Privacy
Policy
We recognize the importance of
protecting your
privacy
and our policy is designed to
assist you in understanding how
we collect, use and safeguard
the personal information you
provide to us and to assist you
in making informed decisions
when using our site. This
policy will be continuously
assessed against new
technologies, business
practices and our customers'
needs.
What
Information Do We
Collect?
When you
visit this web site you may
provide us with two types of
information: personal
information you knowingly
choose to disclose that is
collected on an individual
basis and Web site use
information collected on an
aggregate basis as you and
others browse our Web
site.
1. Personal
Information You Choose to
Provide
Registration
Information
When you register for any of
our products, services or
newsletters you will provide us
information about
yourself.
Credit Card
Information
If you
choose to avail of our
services, you may need to give
personal information and
authorization to obtain
information from various credit
services. For example, you may
need to provide the following
information:
-Name
-Mailing address
-Email address
-Credit card
number
-Name on
credit
card
-Credit
card billing address
-Business and home phone
number
Email
Information
If you
choose to correspond with us
through email, we may retain
the content of your email
messages together with your
email address and our
responses. We provide the same
protections for these
electronic communications that
we employ in the maintenance of
information received by mail
and
telephone.
Web
Site Use
Information
Similar to other commercial Web
sites, our Web site utilizes a
standard technology called
"cookies" (see explanation
below, "What Are Cookies?") and
web server log files to collect
information about how our Web
site is used. Information
gathered through cookies and
Web server logs may include the
date and time of visits, the
pages viewed, time spent at our
Web site, and the Web sites
visited just before and just
after our Web
site.
How Do We
Use the Information That You
Provide to
Us?
Broadly speaking, we use
personal information for
purposes of administering our
business activities, providing
the products and services you
requested, to process your
payment,
,
to monitor the use of the
service,
our marketing and promotional
efforts
and
improve our content and service
offerings, and customize our
site's content, layout,
services
and for other lawful
purposes.
These uses improve our site and
better tailor it to meet your
needs.
Furthermore,
such information may be shared
with others on an aggregate
basis. Personally identifiable
information or business
information will not be shared
with parties except as required
by law.
Occasionally,
we may also use the information
we collect to notify you about
important changes to our
Website, new services, and
special offers we think you
will find valuable. You may
notify us at any time if you do
not wish to receive these
offers by emailing us at the
link provided on the
newsletter.
What Are
Cookies?
A cookie is
a very small text document,
which often includes an
anonymous unique identifier.
When you visit a Web site, that
site's computer asks your
computer for permission to
store this file in a part of
your hard drive specifically
designated for cookies. Each
Web site can send its own
cookie to your browser if your
browser's preferences allow it,
but (to protect your privacy)
your browser only permits a Web
site to access the cookies it
has already sent to you, not
the cookies sent to you by
other sites. Browsers are
usually set to accept cookies.
However, if you would prefer
not to receive cookies, you may
alter the configuration of your
browser to refuse cookies. If
you choose to have your browser
refuse cookies, it is possible
that some areas of our site
will not function as
effectively when viewed by the
users.
A cookie cannot retrieve any
other data from your hard drive
or pass on computer
viruses.
How Do We
Use Information We Collect from
Cookies?
As you
visit and browse our Web site,
the site uses cookies to
differentiate you from other
users. In some cases, we also
use cookies to prevent you from
having to log in more than is
necessary for security.
Cookies, in conjunction with
our Web server's log files,
allow us to calculate the
aggregate number of people
visiting our Web site and which
parts of the site are most
popular. This helps us gather
feedback to constantly improve
our Web site and better serve
our clients. Cookies do not
allow us to gather any personal
information about you and we do
not intentionally store any
personal information that your
browser provided to us in your
cookies.
IP
Addresses
IP
addresses are used by your
computer every time you are
connected to the Internet. Your
IP address is a number that is
used by computers on the
network to identify your
computer. IP addresses are
automatically collected by our
web server as part of
demographic and profile data
known as traffic data so that
data (such as the Web pages you
request) can be sent to
you.
Sharing and
Selling
Information
We do
not share, sell, lend or
lease any of the information
that uniquely identify a
subscriber (such as email
addresses or personal details)
with anyone except to the
extent it is necessary to
process transactions or provide
services that you have
requested.
How Can You
Access and Correct Your
Information?
You may
request access to all your
personally identifiable
information that we collect
online and maintain in our
database by emailing us at the
usual
address.
What About Legally Compelled
Disclosure of
Information?
We may disclose information
when legally compelled to do
so, in other words, when we, in
good faith, believe that the
law requires it or for the
protection of our legal
rights.
We may also disclose account
information when we have reason
to believe that disclosing this
information is necessary to
identify, contact or bring
legal action against someone
who may be violating our Terms
of Service or to protect the
safety of our users and the
Public.
What About
Other Web Sites Linked to
StudentLoans-Consolidation.com?
We are not
responsible for the practices
employed by Web sites linked to
or from our Web site or the
information or content
contained therein. Often links
to other Web sites are provided
solely as pointers to
information on topics that may
be useful to the users of our
Web site.
Please
remember that when you use a
link to go from our Website to
another web site, our Privacy
Policy is no longer in effect.
Your browsing and interaction
on any other web site,
including web sites, which have
a link on our Website, is
subject to that Web site's own
rules and policies. Please read
over those rules and policies
before
proceeding.
Your
Consent
By using
our Web site you consent to our
collection and use of your
personal information as
described in this Privacy
Policy. We reserve the right to
amend this privacy policy at
any time with or without
notice.
Our
Commitment To Data
Security:
Please note that your
information will be stored and
processed on our computers in
the United States. The laws on
holding personal data in the
United States may be less
stringent than the laws of your
Country of residence or
citizenship.
To prevent unauthorized access,
maintain data accuracy, and
ensure the correct use of
information, we have put in
place appropriate physical,
electronic, and managerial
procedures to safeguard and
secure the information we
collect
online.
Choice/Opt-In/Opt-Out
This site allows visitors to
unsubscribe so that they will
not receive future messages.
After unsubscribing we will
discontinue sending the
particular messages as soon as
technically
feasible.
Surveys
&
Contests
From
time-to-time our site requests
information from users via
surveys or contests.
Participation in these surveys
or contests is completely
voluntary and the user
therefore has a choice whether
or not to disclose this
information. Information
requested may include contact
information (such as name and
shipping address), and
demographic information (such
as zip code, age level).
Contact information will be
used to notify the winners and
award prizes. Survey
information will be used for
purposes of monitoring or
improving the use and
satisfaction of this
site.
A Special
Note About
Children
Children are not eligible to
use our services
unsupervised and we ask that
children
(under the age of 14) do not
submit any personal information
to us. If you are a minor, you
can use this service only in
conjunction with permission and
guidance from your parents or
guardians.
Acquisition
or Changes in
Ownership
In the
event that the web site (or a
substantial portion of its
assets) is acquired, your
information would be considered
part of those assets, and may
be part of those assets that
are
transferred.
Policy Modifications
We may change this Privacy
Policy from time to time.
If/when changes are made to
this privacy policy, we will
email users who have given us
permission to do so. We will
post any changes here, so be
sure to check back
periodically. However, please
be assured that if the Privacy
Policy changes in the future,
we will not use the personal
information you have submitted
to us under this Privacy Policy
in a manner that is materially
inconsistent with this Privacy
Policy, without your prior
consent.
Governing
Law
This policy and the use of this
Site are governed by Georgia,
USA law. If a dispute arises
under this Policy we agree to
first try to resolve it with
the help of a mutually
agreed-upon mediator in the
following location: Atlanta,
GA, USA. Any costs and fees
other than attorney fees
associated with the mediation
will be shared equally by each
of us.
If it proves impossible to
arrive at a mutually
satisfactory solution through
mediation, we agree to submit
the dispute to binding
arbitration at the following
location: Atlanta, GA, USA,
under the rules of the American
Arbitration Association.
Judgment upon the award
rendered by the arbitration may
be entered in any court with
jurisdiction to do
so.
StudentLoans-Consolidation.com
is controlled, operated and
administered entirely
within the state of
Georgia, USA. This statement
and the policies outlined
herein are not intended to
usurp any local governing
law.
If you would like to contact us
you may do so at:
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