PRIVACY POLICY
Updated January 7th 2020
About Us
Your privacy is very important to us. Accordingly, we have developed this
Policy in order for you to understand how we collect, use, communicate and
disclose and make use of personal information. CollegeEducationInformation.com
collects a variety of information in order to provide the highest quality
service to our users. We want you to understand what information we gather from
or about you, how we use it and the safeguards we have in place to protect it.
This Privacy Notice applies to CollegeEducationInformation.com and all other
CollegeEducationInformation.com websites and applications that link to this
policy (the "Services").
By accessing, using or submitting information
to the Services, you agree to this Privacy Notice and our Terms of Use and all
of its dispute resolution provisions, including arbitration, limitation on
damages and choice of law.
Please read this Privacy Notice and the Terms
of Use carefully to understand our policies and practices regarding your
personal information and how we will treat it.
CollegeEducationInformation.com,
has created this privacy policy (hereinafter the "Privacy Policy") in
order to disclose our information gathering and dissemination practices. We
understand the importance that Internet users place on privacy and have
designed our service with this in mind. You agree to this Privacy Policy, in
its entirety, when you: 1) access or use CollegeEducationInformation.com (the
"Website"); and/or 2) select and register for an offer(s) on the
Website by clicking the offer(s) presented. If you do not agree with the terms
and conditions of our Privacy Policy, please do not use or access the Website.
What We Collect
The information that we collect is generally limited to personal information
about you that you submit on the Website. The personally identifiable
information that may be collected includes: your name; address; email address;
telephone number; fax number; information about your interests in and use of
various products, programs, and services; and education level and interests.
Although we are not collecting credit card information at this time, we reserve
the right to do so in the future. To the extent that customer credit
card-specific information is collected by CollegeEducationInformation.com and
any of its affiliates and/or subsidiaries, said information will be kept in
confidence and will not be shared with any third parties (other than consumer
credit agencies) without the customer's prior informed consent. Notwithstanding
the foregoing, CollegeEducationInformation.com and its affiliates and
subsidiaries reserve the right to share with third parties the fact that they
have credit card information on file for specific customers but they will not
share this credit card information with third parties without the customer's
prior informed consent.
Like
most standard website servers, we use log files. Log files track anonymous user
information including, but not limited to, Internet Protocol ("IP")
addresses, browser type, Internet Service Provider ("ISP"),
referring/exit pages, platform type, date/time stamp, and number of clicks.
This information is tracked in order to analyze trends, administer the Website,
track users' movements in the aggregate and gather broad demographic
information for aggregate use. The information tracked via log files is not
linked to personally identifiable information.
Depending
which of the Services you are visiting or using, we may collect various types
of information from and about you, including information that can personally
identify you. This information includes, but is not limited to: your name,
postal address, email address, telephone number, demographic information,
education information, financial information, Information about any transaction
you conduct or submit to on or through the Services, other information that
would allow online or offline contact with you as an individual (collectively,
"Personal Information").
We also collect Usage Information (as defined below) and other information from
and about you that does not personally identify you or allow us or others to
contact you individually online or offline. We may combine information which is
not Personal Information ("Non-PII") with other information in a way
that allows you to be identified or personally contacted. If this happens, we
will treat the combined information as Personal Information.
We may also collect
information that you provide to us about other people, including, but not
limited to, their names, postal addresses, telephone numbers, mobile numbers,
and email addresses for purposes of fulfilling the purposes for which you
provide such information.
We may collect information from or about you in
the following ways:
Information Provided by You. We collect information provided by you when you
(1) inquire about or obtain our services or products; (2) communicate with us
or request information about or from us, whether via email or other means; (3)
fill out forms or fields on the Services; (4) register as a user or sign-up for
any of our newsletters, materials or services through the Services; (5) enter
into online transactions; (6) create profiles; (7) provide feedback or
participate in online surveys or questionnaires; (8) input information into our
interactive programming features; (9) participate in any of our marketing
initiatives, including contests, scholarship offers, events, or promotions; and
(10) post to the Services or provide user-generated content or submissions to
us, including without limitation media files, photos, videos, documents or
other information, and contributions to a chat room, list serve, blog, or other
open forum or community feature that we make available on the Services
("User Contributions").
Information from Other Sources: We may collect
information about you from other services that we may provide, our affiliates,
third-party or public sources (such as from public forums, social networks, and
blogs), other users of the Services, and our business partners.
Automatic Information Collection: We and our
service providers use automatic data collection technologies to collect and
store Usage Information (as defined below). We also may allow third-party
advertising companies and ad networks to use automatic data collection
technologies to collect Usage Information for purposes of providing interest-based
ads. See the Automatic Information Collection Technologies and Usage
Information and the Third-Party Advertisers and Interest-Based Ads sections for
more information.
How We Use the Information That We Collect
In order to provide you with the best user experience, we may use your
information, including Personal Information, to: Provide products and services
requested by you; Provide customer support, including responding to your
requests and questions and troubleshooting and resolving problems or
complaints; Verify the information you provide to us; Communicate with you;
Confirm your identity and eligibility to use the Services; Establish and manage
your account; Perform research and analysis to develop and improve the Services
and other products and services that we may offer; Understand and anticipate
your use of or interest in, our products, services, and content, and the
products, services, and content offered by others; Develop and display
products, services, and content tailored to your interests on the Services and
other online properties; Measure the overall effectiveness of our online
advertising, content, and programming, and other activities; Offer you
personalized information and products, services, promotions, contests, or
scholarships of ours, our affiliates, or our third-party business partners that
may be of interest to you; Manage our business and operations; Protect the
security and integrity of the Services; Carry out our obligations and enforce
our rights arising from this Privacy Notice, the Terms of Use and any other
applicable agreements and policies; Use or post User Contributions as permitted
in our Terms of Use; and Fulfill any other purposes for which you provide your
information and for any other purpose as described to you at the time your
information is collected or for which your consent is given.
Any
personal information that you supply to us remains your personal property.
However, by submitting that information to CollegeEducationInformation.com, you
grant us the right to use your personal information for any legal purpose
including, without limitation: a) providing promotional offers to you via email
advertising and/or online banner advertising; b) transferring the personal
information that you provided to a third party, when necessary, to receive a
product, service, or information that you may have requested from such third
party while using the Website; c) tracking compliance with our Terms and
Conditions; and d) for validation, suppression, content improvement and feedback
purposes.
By
submitting your information to the Website, you grant
CollegeEducationInformation.com the right to use that information for marketing
purposes, and agree to receive email marketing from the Website, marketing
partners, advertisers, and third parties. We may maintain separate email
lists for different purposes. In order to end your email subscription to a
particular list, you must follow the instructions contained in any email
correspondence that you receive from CollegeEducationInformation.com, marketing
partners, advertisers, or third parties. Unsubscribing from one list will not
automatically unsubscribe you from all email lists. We only send email
marketing to individuals that have agreed, whether by visiting this Website or
through third party websites, to receive email marketing from
CollegeEducationInformation.com, marketing partners, advertisers, and
third parties. We do not send unsolicited bulk email. As a result, certain
statutes, requiring particular formatting for unsolicited bulk email may not be
applicable to the bulk email that is sent by
CollegeEducationInformation.com, marketing partners, advertisers, and
third parties.
Though
we make every effort to preserve user privacy, we may be required to disclose
personal information in some instances, such as: 1) when required by law
wherein we have a good faith belief that such action is necessary to comply
with a judicial proceeding, court order, and/or subpoena; 2) in the event that
CollegeEducationInformation.com is sold or acquired; or 3) in the event that we
believe that the Website is being, or has been, used in violation of our terms
and conditions or to commit unlawful acts. Moreover, you hereby consent to the
disclosure of any record or communication to any third party when
CollegeEducationInformation.com, in its sole discretion, determines the
disclosure to be appropriate including, without limitation, sharing your email
address with other third parties for suppression purposes in compliance with
the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time. By
submitting your e-mail address at the Website you agree to receive e-mail
marketing from CollegeEducationInformation.com and our third-party advertisers.
We may sell our user information and/or join together with other businesses to
bring selected opportunities to our users. In addition, you agree that such act
constitutes a purchase, an inquiry and/or an application for purposes of the
Amended Telemarketing Sales Rule, 16 C.F.R. 310, et seq. (the "ATSR").
Notwithstanding that your telephone number may be listed on the Federal Trade
Commissions Do-Not-Call List, CollegeEducationInformation.com retains the right
to contact you via telemarketing in accordance with the ATSR.
Our Sharing Practices
We may disclose or share other information from or about you, including your
Personal Information, as follows:
With any CollegeEducationInformation.com
business or our affiliated companies (i.e., companies that control, are
controlled by, or are under common control with us) for support of our internal
and business operations, for cross-marketing purposes, or in connection with a
request made by you or your opt-in or consent. However, unless you are
otherwise first given notice through an opt-in option or otherwise, the
evaluation of any request or application by you for any of our products or
services offered through our websites will be based on the information you
specifically submit to obtain such product or service and not any other
information you may submit to us for other purposes or for other products or
services we may offer (except for your sign-in, basic account registration
information, and any other information that we may pre-populate on your request
or application form for your convenience).
With our non-affiliated third-party business
partners, service providers, and vendors to enable them to assist us in
providing you the products or services you request through the Services or to
provide us with support for our internal and business operations, such as data
processing, data storage, research, analytics, web hosting, marketing, and
delivery of promotional or transactional materials.
With other non-affiliated companies, parties,
or organizations when you engage in certain activities through the Services or services
that are sponsored or provided by them, including, but not limited to
requesting or purchasing products or services
offered by these third parties
electing to receive information or communications from them, or
electing to participate in contests, sweepstakes, games, scholarships, or other
programs sponsored or provided by these third parties, in whole or in part.
With non-affiliated third parties that are
interested in contacting you or providing offers to you that may be related to
our products or services or about other products or services you may find
interesting.
With other parties at your direction or
request. For example, through us we share your name and contact
information with schools, to which you request us to introduce you, and through
any refer-a-friend or email-a-friend function offered on the Services, we may
share your name and email address with any person to whom you request that we
share such information.
With any person who, in our reasonable
judgment, is authorized to receive your information, such as your agent,
attorney, parent, legal guardian, or co-signor of a loan application.
We may disclose information we collect from or
about you when we believe disclosure is appropriate to comply with the law, to
enforce or apply applicable terms and conditions and other agreements, or to
protect the rights, property, or safety of our company, our affiliates, our
other customers or users of the Services, or others.
If some or all of our business assets are sold
or transferred, whether through a sale, acquisition, merger, consolidation,
reorganization, bankruptcy, or other corporate change involving us and/or our
affiliates, we may transfer the corresponding information regarding our
customers and users of the Services, including Personal Information, to third
parties evaluating or facilitating the transaction. We also may retain a copy
of such information. Nothing in this Privacy Notice is intended to interfere
with our ability to transfer all or part of our business, equity interests, or assets
(including the Services) to an affiliate or non-affiliated third party at any
time, for any purpose, without any limitation, and without notice or any
compensation to you, whatsoever.
We may disclose and share anonymized or aggregated information about you
(information that does not directly and personally identify you) or any other
of your Non-PII at our discretion.
In each case when we disclose your information
to third parties, your information will become subject to the information use
and sharing practices of such third parties, and such third parties will not be
restricted by this Privacy Notice with respect to their use and further sharing
of your information. To opt-out of our sharing of your information with such
third parties, see the Choices about How We Use and Disclose Your Information
section.
The Services may contain public areas, forums, or features that allow you to
provide your User Contributions to be published or displayed or transmitted to
other users of the Services. Your User Contributions are posted on the Services
and transmitted to others at your own risk. For this reason, we recommend that
you do not include any sensitive or personally identifiable information about
yourself or others in your User Contributions for these areas of the Services.
Please see our Terms of Use for more information concerning User Contributions.
Automatic Information Collection Technologies and Usage Information
We and our service providers automatically collect "Usage
Information" from or about you, such as information about your computer or
mobile device, IP address, web browser, computer or device platform, related
software and settings you are using, browsing actions and patterns, the
referring page that linked you to us and the website you visit after using the
Services, and other usage activity on the Services. Collection of Usage
Information helps us to improve the Services and to deliver a better and more
personalized service by enabling us to, among other things: (1) estimate our
audience size and usage patterns; (2) store information about your preferences,
allowing us to customize the Services according to your individual interests;
(3) speed up your searches; and (4) recognize you when you return to the
Services. We and certain third parties, such as advertising service providers,
may use certain technologies to collect information about your online
activities over time and across different services.
The automatic collection technologies we and
our service providers may use for this automatic information collection include:
Cookies
The Website uses a "cookie" to assign a
unique identifier to your computer. The cookies we use are persistent files
that your web browser places on your computer's hard drive. Cookies may be used
to help save information on past activities and other preferences, so that you
are not required to reenter information each time that you visit the Website,
and to deliver content specific to your interests. No personally identifiable
information is gathered by the cookie.
Flash Cookies. Certain features of the Services
may use locally stored objects (or Flash cookies) to collect and store
information about your preferences and navigation to, from and on the Services.
Web Beacons. Pages of the Services and any
emails we send to you may contain small electronic files known as web beacons
(also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit
us, for example, to count users who have visited those pages or opened our
emails and for other related website analytics (e.g., recording the popularity
of certain website content and verifying system and server integrity).
For more information about managing your
privacy settings regarding automatic collection of Usage Information, see the
Choices about How We Use and Disclose Your Information section.
Third-Party Advertisers and Interest-Based Ads
With the exception of certain of our webpages, services or features that may
collect sensitive Personal Information such as financial information, we may
permit third-party advertising companies or ad networks to display third-party
advertisements on our websites and/or automatically collect Usage Information
from our websites for purposes of determining your preferences and delivering
interest-based advertising and content to you on the Services or other online
properties, including those operated by third parties. Those ads may include
ads for our products or services or for other companies' products or services.
These third-party advertisers may combine the
Usage Information with Personal Information you directly submit to them or that
they receive from other sources, or the Usage Information they collect may
include information that could allow someone to specifically contact you online
without necessarily knowing your identity. We do not have access to or control
over the automatic collection technologies that these third-party advertisers
may use, and the information practices of these third-party advertisers are
subject to these parties' respective privacy policies, not this Privacy Notice.
You may want to receive interest-based ads for
several reasons. Interest-based ads are helpful because they are more likely to
be tailored to your particular interests. They are also more likely to help you
discover new products and services that are actually relevant to you and your
interests. Also, if interest-based tracking is enabled, you likely will not see
the same ads over and over because the number of times you see a particular
interest-based ad is usually limited. By opting-out of interest-based ads, you
lose all of these benefits. If you would like more information about opting-out
of interest-based ads or would like to opt-out, see the Choices about How We
Use and Disclose Your Information section or visit the opt-out pages of the
Network Advertising Initiative ("NAI") and Digital Advertising
Alliance ("DAA"). We follow the DAA's Self-Regulatory Principles for
Online Behavioral Advertising.
Third-Party Content
The Services and all electronic communications sent in connection with the
Services, may contain links, videos, images, or other content provided by third
parties. We do not necessarily endorse these websites, products, services, or
practices. We do not control, and are not responsible for, the privacy and
security practices of these third parties. We recommend that you review the
privacy and security policies of these third parties to determine how they
handle information they may collect from or about you.
The Services may also allow you to engage with
social media features, such as the Facebook Like button, Google Plus, and
Twitter widgets, when you are logged into those services. These features may
collect information about your IP address and which page you are visiting on
the Services, and they may set a cookie to make sure the feature functions
properly. Your interactions with these features and the information from or
about you collected by them are governed by the privacy policies of the
companies that provide them.
Special Notice to California Residents — Your California Privacy Rights
(CCPA)
Right To Know
If you are a California resident and have provided your personally identifiable
Personal Information to us, you may request a notice disclosing the categories
of Personal Information we have shared with third parties for their direct
marketing purposes during the preceding calendar year. To request a notice,
your request must be submitted to us at info@collegeeducationinformation.com with
the words "Request To Know" in the
subject line and please include the following information so that we can
accurately identify you: full name, address, and telephone number. This is a
security measure to ensure that personal data is not disclosed to any person
who has no right to receive it. We may also contact you to ask you for further
information related to your request to speed up our response to your request.
Right To Remove
If you have submitted or provided your personally identifiable Personal
Information to us, and would like us to remove it from our database (where
applicable by law), please click
here.
Right To Opt-Out (Do Not Sell My Personal Information)
To exercise the right to opt-out, you (or your authorized representative) please click here.
We commit to respond to a verifiable consumer request within forty-five (45)
days of its receipt. If we require more time (up to 90 days), we will inform
you of the reason and extension period by email. These requests may be made no
more than twice within a 12-month period.
Your Choices About Use and Disclosure of Your Information
We strive to provide you with choices regarding the Personal Information you
provide to us. Below are some mechanisms that provide you with control over
your information:
Promotional Emails: If you do not wish to receive promotional
emails from us, including our e-newsletters, contact us at info@collegeeducationinformation.com to
opt-out or follow the unsubscribe process at the bottom of the promotional
email. Note that even if you opt-out, you may still receive transactional
emails from us (e.g., emails related to the completion of your registration,
correction of user data, password reset requests, reminder emails that you have
requested, and any other similar communications essential to your transactions
on or made through the Services).
Telephone Calls: If you do not wish to receive promotional
telephone calls, contact us at info@collegeeducationinformation.com
opt-out. This opt-out does not apply to any informational telephone calls.
Third-Party Interest-Based Ads: We do not control third parties'
collection or use of your information to serve interest-based ads. However, you
can opt-out of receiving interest-based ads from third-party advertisers and ad
networks who are members of the NAI or who follow the DAA's Self-Regulatory
Principles for Online Behavioral Advertising by visiting the NAI and DAA
websites. If you opt-out, you may still see contextual advertising from us,
meaning you may still see personalized recommendations about our products and
services and other similar features on the Services. You may also still see ads
provided by us or others on other third-party websites; they just will not be
based on your particular interests. Also note that your opt-out will be managed
through the use of cookies, so if you disable or delete cookies on your browser
or use a different browser or computer, you will need to opt out again.
Disclosure of Your Information for Third-Party Advertising: If you
do not want us to share your Personal Information with non-affiliated third
parties for promotional purposes, contact us at info@collegeeducationinformation.com
to opt-out. Any opt-out request will only apply from the date of your request,
and we will not be responsible for any communications that you may receive from
third parties who received your Personal Information prior to your request. In
these cases, please contact the third parties directly. Note, that opting out
may inhibit your ability to use all or part of the
CollegeEducationInformation.com service.
Accessing and Correcting Your Information
The appropriate method(s) for accessing your information, if any, will depend
on which of our websites and services you have visited or used. Depending on
the website and service, you may have the ability to view or edit some of your
information online, by logging into the CollegeEducationInformation.com and
visiting your account settings page. You may also contact us at info@collegeeducationinformation.com
to request access to, correct, or delete any Personal Information that you have
provided to us; however, we may ask you to verify your identity and provide
other details to help us to respond to your request.
We cannot delete your Personal Information
except by also deleting your user account. Once your user account is deleted,
it cannot be recovered. We also may not accommodate a request to change or
delete information if we believe the change would violate any law or legal
requirements, be contrary to our Terms of Use or any other applicable agreement
between you and us, or cause the information to be incorrect. After deletion of
your user account, your Personal Information may remain on our archived database
and records.
Also, if you delete or request the deletion of
your User Contributions from the Services, copies of your User Contributions
may remain viewable in cached and archived pages, or might have been copied,
stored, or reposted to another website by other users of the Services.
Permanently Deleting Your Information from Our
Database
We respect your privacy and your ability to choose whether to share or not
share information with the Site or any third party. You may choose to
"opt-out" of having us share your personal information in several
ways. You can choose to decline to provide personal information on the Site. If
you have previously submitted personal information to the Site, you may request
that we discontinue sharing such information with third parties, by
communicating this preference in writing to us through our contact form.
Similarly, if you receive communications from us that you prefer not to
receive, you may opt out from receiving these communications by specifically
indicating this preference through our contact form or by following the
unsubscribe instructions contained in the email communications you receive. If
you opt-out, we will not contact you after we have processed your opt-out
request (up to 3 days) unless otherwise provided in this privacy policy.
However, if we shared your information with third parties prior to the
processing of your opt-out request, such third parties may continue to contact
you. If you receive email correspondence from third parties, you should contact
such third parties directly with respect to opting out of such third party
communications.
If you have submitted or provided your personally identifiable Personal
Information to us, and would like us to remove it from our database (where
applicable by law), please send your request to us at info@collegeeducationinformation.com with
the words "Opt-Out and Unsubscribe" in the subject line. Please
include your name, address, phone, and email that we have on record for you,
for us to cross reference, in which you would like removed.
Security
All collected information is stored in a technically and physically secure
environment. Furthermore, access to this information is strictly limited, and
the information is not accessible to the public. Our employees are dedicated to
ensuring the security and privacy of all CollegeEducationInformation.com user
information. To prevent unauthorized access, maintain data accuracy and ensure
the correct use of information, we use appropriate industry standard procedures
to safeguard the confidentiality of your personal information, such as
firewall, encryption, token authentication, application proxies, monitoring
technology, and adaptive analysis of network traffic to track abuse of our
network and its data.
In
addition, CollegeEducationInformation.com has security measures in place to
protect the loss, misuse and alteration of personal information under our
control. Please be advised that, although we take every reasonable
technological precaution available to protect your data, no data transmission
over the Internet can be guaranteed to be 100% secure. Therefore, your use
of the Services is at your own risk and we do not promise or guarantee, and you
should not expect, that your information will always and absolutely remain
private and secure. We are not responsible for the circumvention of any privacy
settings or security measures contained on or concerning the Services. You are
also responsible for taking reasonable steps to protect your personal
information against unauthorized disclosure or misuse. In the unlikely event
that we believe that the security of your Personal Information in our
possession or control may have been compromised, we may seek to notify you of
that development. If a notification is appropriate, we would endeavor to do so
as promptly as possible under the circumstances, and, if we have your email
address, we may notify you by email. You consent to our use of email as a means
of such notification. If you prefer for us to use another method to notify you
in this situation, please email us at info@collegeeducationinformation.com with
the alternative contact information you wish to be used.
The Services Are Not for Children
Visitors under 18 years of age are not permitted to
use and/or submit their personal information at the Website.
CollegeEducationInformation.com does not knowingly solicit or collect
information from individuals under the age of 18. We encourage parents and
guardians to spend time online with their children and to participate and
monitor the interactive activities of their children.
In the event that we learn that we have
collected personal information from a person younger than 13 years old, we will
delete that information and terminate the child's account (if any). If you
believe that a child under the age of 13 has provided us with personal
information without verification of parental consent, please contact us
at info@collegeeducationinformation.com.
The Services Are Intended for Use in the United States
The Services are operated in the United States and are not intended for
international users. This Privacy Notice is intended to cover the collection of
information on the Services from residents of the United States. By using this
site, you agree to be a resident of the United States. If you are not a
resident of the United States, you are not permitted to use this site and our
Services. If you are accessing the Services from outside the United
States, please be aware that your information may be transferred to, stored,
and processed in the United States and other countries and territories. The
information protection laws of the United States and the other countries and
territories might not be as comprehensive or protective as those in your
country. By using the Services and our services, you understand that your
information may be transferred to our facilities and those third parties with
whom we share it as described in this Privacy Notice. We make no claim that the
Services may be lawfully viewed or used outside of the United States.
Changes to This Privacy Notice
We may update or amend this Privacy Notice at any time. This Privacy Notice
will reflect the date it was last updated or amended. If the manner in
which we use personally identifiable information changes, we will notify users
by posting the changes on this Website. All amendments will take effect
immediately upon our posting of the updated Privacy Notice on the Services.
Under certain circumstances, we may also elect to notify you of changes or
updates to our Privacy Notice by additional means, such as posting a notice on
the homepage of the Services or sending you an email. Please check this Privacy
Notice each time you use the Services to ensure you are aware of any changes in
our practices. The users continued use of the Website and/or continued receipt
of CollegeEducationInformation.com e-mails constitutes an affirmative
acknowledgement and acceptance by the user to the terms of the modified Privacy
Policy.
Contacting the Website:
If you have any questions about this Privacy Policy or the practices CollegeEducationInformation.com
please feel free to contact us via email at info@collegeeducationinformation.com.
Acceptance of Privacy Policy and Terms of Use – Your use of
CollegeEducationInformation.com indicates an acceptance of the terms of the
Privacy Policy and Terms of Use. Please refer to our Terms of Use for more
information at