Privacy and Cookie Notice
StudentLoanExchange.org (“Student Loan Exchange,” “we,” “us,” or “our”) is committed to maintaining your confidence and trust as it relates to the privacy of your information. Please read this Privacy and Cookie Notice (“Privacy Notice”) below and learn how we collect, protect, share and use your information as part of our technology platforms, including, without limitation, this website (the “Site”) and related web pages and interactive features, and our social media pages.
1. INFORMATION WE COLLECT ON OUR SITE.
Information You Provide To Us
When you sign-up on the Site, you may provide us with Personal Information (information that can be used to identify you as an individual) such as your name, email, and telephone number. We may also ask you to provide information, such as your home address, student loan debt amount, and credit card debt amount.
Information We Collect Automatically
Usage Information. Whenever you visit or interact with the Site, we, as well as third-party service providers, may use a variety of technologies that automatically or passively collect information about how the Site is accessed and used (“Usage Information”). Usage Information may include browser type, device type, operating system, application version, the page served, the time, and the preceding page views. This information helps us keep the Site fresh and interesting to our users and allows us to tailor content to a user’s interests.
Device Identifier. Each time a user visits the Site, our web server automatically recognizes the user’s IP address, the Web page from which the user came, or other unique identifier (“Device Identifier”) for the computer, mobile phone, tablet or other device (“Device”) you use to access the Site. A Device Identifier is a number that is assigned to your Device when you access a website or its servers, and our computers identify your Device by its Device Identifier. We may use a Device Identifier to, among other things, administer the Site, help diagnose problems with our servers, analyze trends, track users’ web page movements, help identify you and your shopping cart, and gather broad demographic information for aggregate use.
Cookies; Action Tags.The technologies used on the Site to collect Usage Information, including Device Identifiers, include but are not limited to: cookies (data files placed on a Device when it is used to visit the Site), and action tags (transparent graphic image, sometimes called a web beacon or tracking beacon, placed on a web page or in an email, which indicates that a page or email has been viewed). We, or our vendors, may place cookies or similar files on your Device for security purposes, to facilitate site navigation, and to personalize your experience while visiting the Site. A pixel tag may tell your browser to get content from another server.
The first time a user provides an e-mail address in connection with their activities at a Site, we assign an identification number to that e-mail address and deploy a cookie to the user’s Device. Whenever that user comes back to a Site using the same Device, the cookie allows the Site to identify the user and to recall the user’s e-mail address. If, at any time, a user provides other information in connection with their activities on a Site (such as name, address, birth date, gender, etc.), we may store that information, along with the user’s e-mail address, in our user database. We may use the information stored in our database (i) for the purpose for which the information was originally provided by a user; (ii) to pre-populate information fields in the event a user wishes to sign up for and/or subscribe to services, promotions or offers in the future; (iii) to ensure that a user will not be repeatedly exposed to the same ads, offers and promotions while visiting Sites; and (iv) to, in connection with regular communication with a user, include offers, promotions or advertisements historically, or likely to be, of interest to that user.
To learn how you may be able to reduce the number of cookies you receive from us, or delete cookies that have already been installed in your browser’s cookie folder, please refer to your browser’s help menu or other instructions related to your browser. If you do disable or opt out of receiving cookies, please be aware that some features and services on the Site may not work properly.
2. HOW WE USE THE INFORMATION WE COLLECT.
We use the information we collect about and from you for a variety of business purposes such as to respond to your questions and requests; provide you with access to certain areas and features of the Site; verify your identity; communicate with you about transactions entered into on the Site and, in our discretion, changes to any Student Loan Exchange policy; tailor content we serve you; improve the Site; comply with license obligations; and for purposes disclosed at the time you provide your Personal Information or otherwise with your consent.
We may combine the information we have gathered about users with information from other sources.
By providing a telephone number users agree and specifically thereby request that we, our partners, associates and/or certain approved third parties may contact you via such telephone number whether or not such number may be included in any State, Federal or other Do Not Call Registry.
We and/or our marketing partners and affiliated companies enhance and/or merge Personal Information about users with data collected from other sources to use in direct and/or online marketing.
3. SHARING OF INFORMATION.
We may share Personal Information, including your social security number, with certain approved outside service providers for evaluation of user’s applications and provision of loan services. By entering your Social Security Number into the website, you consent to allow us to share your social security number.
We may share non-Personal Information, such as aggregate data and Usage Information with third parties. We may also share your information as disclosed at the time you provide your information, as set forth in this Privacy Notice and in the following circumstances:
Third Parties Providing Services On Our Behalf. We may share your Personal Information with third parties that perform functions on our behalf (or on behalf of our partners) such as service providers that host or operate our Site, analyze data, or provide customer service. Your Personal Information may also be used by us or shared with our subsidiaries, affiliates, advertising or marketing partners or other third parties to provide you with information or services that you may request or for other marketing and promotional purposes. Requested information or information regarding Site updates, new products and services, upcoming events and/or status of any requests or orders that users may have made may be provided to users by e-mail, postal mail, telephone SMS text-messaging or by any other means of contact that users may provide.
Business Transfers. We may share your Personal Information with other entities and our affiliates primarily for business and operational purposes. In the event that Student Loan Exchange is involved in a bankruptcy, merger, acquisition, reorganization or sale of assets, your information may be sold or transferred as part of that transaction.
4. INFORMATION WE RECEIVE FROM THIRD PARTIES
We may receive information about you from third parties. For example, if you are on another website and you opt-in to receive information from Student Loan Exchange, that website will submit to us your email address and other information about you so that we may contact you as requested. We may supplement the information we collect about you through the Site with such information from third parties in order to enhance our ability to serve you, to tailor our content to you and/or to offer you opportunities to purchase products or services that we believe may be of interest to you.
5. OTHER SITES.
6. YOUR PRIVACY RIGHTS, CHOICE AND ACCESS.
You may always direct us not to share your Personal Information with third parties, not to use your Personal Information to provide you with information or offers, or not to send you emails or other communications by: (i) modifying your registered user information on the Site; (ii) sending us an email at email@example.com; (iii) contacting us by mail at Student Loan Exchange, 117 North 4th Street, Ironton, OH 45638 or (iv) following the removal instructions in the communication that you receive. Your opt-out request will be processed within 30 days of the date on which we receive it.
If you wish to modify, verify, correct, or delete any of your Personal Information collected through the Site, you may contact us at the above address or email. However, deleting Personal Information or otherwise opting-out of receipt of communications from us or third parties will only change or delete the data in our database for purposes of transacting future business on a Site and for managing future communications from us and third parties. These deletions will not change or delete Personal Information already collected as part of a particular transaction in our database, which may have already been shared with third parties, all as provided above in this Privacy Notice. Users may need to contact third parties who may contact you directly in order to change the preferences for the use of personal information that they may have or use.
In accordance with our routine record keeping, we may delete certain records that contain Personal Information you have submitted through the Site. We are under no obligation to store such Personal Information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Personal Information. It may not always possible to completely remove or delete all of your information from our databases without some residual data because of backups and other reasons. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We provide users the option to opt-out from receiving information sent via electronic mailings on behalf of third party advertisers. Users may unsubscribe from receiving e-mails at any time by following the instructions contained at the end of every e-mailing. Unsubscribe requests can only be processed if you have registered with us in the first instance. If you have not registered with us and wish to opt out of receiving e-mails from a particular sender, please consult that sender’s opt out policies or contact that sender directly. Information sent on behalf of third party advertisers is prepared several days in advance, so users may continue to receive e-mail from us for up to 5 days after following the unsubscribe procedures detailed above.
The Site is not directed to children under 18. We do not knowingly collect, use or disclose personally identifiable information from anyone under 18 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her Personal Information without the parent/guardian’s consent. If we become aware that we have unknowingly collected Personal Information from a child under the age of 18, we will make reasonable efforts to delete such information from our records.
8. SECURITY OF YOUR INFORMATION
We take information security seriously and use certain reasonable security measures to help protect your Personal Information. The Site has security measures in place to protect against the loss, misuse and alteration of the information under our control. We encrypt all of your personal and financial information and use our best efforts to prevent it from being read or intercepted as the information travels over the Internet.
While we are committed to protecting your information, we cannot ensure or warrant the security of any information you transmit to us. No electronic data transmission or storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure or warrant the security of any information you transmit to us, and you use the Site and provide us with your information at your own risk.
9. CONSENT TO PROCESSING AND TRANSFER OF INFORMATION
The Site is governed by and operated in, and in accordance with the laws of, the United States, and is intended for the enjoyment of residents of the United States. Student Loan Exchange makes no representation that the Site is governed by or operated in accordance with the laws of any other nation. By using the Site, or providing us with any information, you (a) acknowledge that the Site is subject to the laws of the United States, (b) consent to the collection, processing, maintenance and transfer of such information in and to the United States and other applicable territories in which the privacy laws may not be as comprehensive as or equivalent to those in the country where you reside and/or are a citizen, and (c) waive any claims that may arise under those laws.
10. MONITORING AND RECORDING OF TELEPHONE CALLS.
You consent to and authorize us, any of our affiliates, or our marketing associates to monitor and/or record any of your telephone conversations with our representatives or the representatives of any of those companies.
We may update this Privacy Notice to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on our Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
12 CONTACT US
If you have any questions or concerns about this Privacy Notice, the practices of the Site, or your experiences with the Site, please contact us at:
117 North 4th Street
Ironton, OH 45638
Re: Student Loan Echange Privacy Notice