PLEASE NOTE: OUR PRIVACY POLICY CHANGES FROM TIME TO TIME. PLEASE
CHECK BACK FOR UPDATES
This Web site is not directed at persons under the age of 18. By registering
on this Site through the submission of the information requested, you agree
that the following terms and conditions of this Privacy Policy shall govern
our use and disclosure of your personal information. If you do not agree
with the terms and conditions of our Privacy Policy, please do not complete
the information request form (i.e., do not register) or otherwise use or
access this Site. If you have already registered by completing the
information disclosure forms, and you wish to opt-out from receiving more
information from us, please click on this link to
"Opt-out." Your e-mail
address will be added to the suppression files associated with this Site
within ten (10) business days of your request. Thereafter, you should not
receive any email correspondence from us. However you will still receive
promotional communications from our third party partners with whom we have
shared your information. To stop receiving further communications from these
third parties you will need to contact them directly in order to opt-out.
Please note when you opt-out of receiving promotional communications from
us, we will no longer make your information available to our third party
partners.
This Privacy Policy describes in some detail the information that we collect
from you as part of the normal operation of our service, and what may happen
to the information we collect.
Your privacy is very important to us
We understand that some of the information that you might provide on our
Site is personal and private. By submitting your personal information, you
are entrusting us to handle information that you regard as private, for the
purposes and in the manner set forth in this Privacy Policy. In exchange for
your trust, you expect us to handle your personal and private information in
a professional manner that will be in keeping with your trust. Our Privacy
Policy explains what information we obtain on this Site, and how we use the
information disclosed to us to link you to our business affiliates who have
expressed a willingness to provide you with the products and services
associated with this Site.
Who We Are
We are an on-line consumer service that introduces persons such as yourself
to certain of our business affiliates who have expressed a general
willingness to review your information and determine if they are willing to
provide you with the services or products that prompted you to visit our
Site. These business affiliates / partners may charge a fee for their
service, many of which may be done on your own with no charge. When you visit our Site, you will be requested to complete provide
certain information that our business affiliates request in order to perform
a preliminary analysis of your qualifications to receive the service or
products. Based upon your consent, as evidenced by your registering with us
on this Site (i.e., your submission of the requested information on the
application), we will forward the information that you provided to certain
of our business affiliates.
We are not affiliated with the government, any government agency, department
of education, non-profit organization or your student loan servicer.
In addition, from time to time, we or our business affiliates may provide
you the additional service (the "Premium Service") of sending you e-mail
or otherwise corresponding with you to inform you of additional
opportunities to receive special offers for other services and/or products
that we believe may be of interest. There are no fees for Premium Service,
and you are under no obligation to accept any service or product with any of
our business affiliates offered under the Premium Service.
Information We Collect
The information that we collect is generally limited to personal information
about you that our business affiliates consider necessary for performing a
preliminary evaluation of your qualifications. To the extent that you can
order products, enter contests, express an opinion, or subscribe to a
service(s), the type of personally identifiable information that may be
collected may include: name; address; e-mail address; telephone number; fax
number; credit card information; information about your interests in and use
of various products, programs, and services; education level; educational
interests; home owner status; income; debt level; current mortgage; mortgage
rate and the like. To the extent that you are requested and you do submit
information about other people, such information will be limited recipient's
name, address, e-mail address, and telephone number.
We also collect user information that can help us optimize and enhance your
experience on our Site; as well as provide you with an efficient, safe,
smooth, and customized experience. For example, if you came to this Site
from an online banner ad, pop-up or other advertisement, an anonymous
identification number may be passed to our Site. In some cases, we may place
a cookie in your browser. The aforementioned information cannot, by itself,
be used to gather any personally identifiable information about you, but it
will allow us to track the overall effectiveness of our online advertising
campaigns. We also automatically track certain information with respect to
your behavior on the Site through the forgoing cookie or identification
number. This non personally identifiable information may include the
Internet address or URL that you just came from and which URL you go to
next; your computer browser information; and your IP address. We use this
non personally identifiable information in conjunction with some of the
information that you provided to us to do internal research on our users'
demographics and behavior; and to better understand how to best serve other
users of this Site. Third parties may also set cookies on our sites to
determine proper site usage and click count.
We also utilize Web Logs to track aggregate information about how our site
is being used. Web Logs track anonymous user information, including but not
limited to the number of visitors to our site, operating systems and browser
type. Unlike cookies, Web Logs are maintained only on our servers and do not
store or place anything on the user's computer.
How We Use Your Information
We collect the information that you submit and which our business affiliates
consider necessary for performing a preliminary evaluation of your
qualifications for their products and services. Prior to sending your
information to our business affiliates, we attempt to validate it. For
example, we may compare and review your personal information for errors,
omissions, and accuracy based upon past usage and response; or compare your
information against other publicly available files; or validate some of the
personal information submitted to verify that the information inputted has a
high probability of being valid information.
After we submit your information to our business affiliates, our business
affiliates may begin a separate and independent evaluation of the
information you submitted (the "Preliminary Application"). If our business
affiliates find that the Preliminary Application meets with their more
specific acceptance criterion, they may contact you directly by phone, mail
or e-mail. For more information on how our business affiliates will handle
your personal information, please visit our business affiliate's website,
and review their privacy policy. We are not responsible for the privacy
practices or the content of our business affiliates' Web sites.
Once you have registered with us, you are automatically enrolled to receive
our Premium Service. We use the information you provided, along with other
information described below, to create a general user profile. This profile
can be created by combining your information with other sources of
information such as information obtained from public databases, or from your
browsing habits surrounding your visit to this Site.
We may use personal information to provide the services you've requested,
including wireless services that display customized content and advertising.
In addition to any fee of which you are notified, your provider's standard
messaging rates apply to our confirmation and all subsequent SMS
correspondence. You may opt-out and remove your SMS information by sending
"STOP", "END", "QUIT" to the SMS text message you have received. If you
remove your SMS information from our database it will no longer be used by
us for secondary purposes, disclosed to third parties, or used by us or
third parties to send promotional correspondence to you.
WE MAY USE INFORMATION THAT WE HAVE COLLECTED FOR ANY LEGALLY PERMISSIBLE
PURPOSE, INCLUDING SELLING OR TRANSFERING SUCH INFORMATION AT ANY TIME TO
THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE PURPOSE.
For example, we may share your personal information with select business
affiliates so that they can contact you and offer you products and or
services that we believe might be of interest to you. This may include
e-mail advertising, telephone marketing, direct mail marketing, and online
banner advertising to name a few. In addition, we may maintain separate
e-mail, mailing or phone lists for different purposes based on the
information that you submitted and that we maintain. For your information,
our business affiliates have all agreed to operate in accordance with
federal and state laws and regulations relating to the handling of your
personal information. You may learn more about any of our business
affiliate's privacy policy by visiting our business affiliates' Web sites at
such times as such affiliate may contact you. We are not responsible for the
privacy practices or the content of our business affiliates' Web sites. If
you wish to end any e-mail correspondence from us, you will need to Opt-out
from receiving further correspondence by advising us of your decision to
Opt-out by clicking a link in the e-mail to our Opt-out procedures. Within
ten (10) business days, your e-mail address will be placed on a suppression
list and we will no longer correspond with you by email or resell or
transfer your information to third parties. If you wish to end future
correspondence with any of our business affiliates, you will need to follow
the instructions at the end of any such each e-mail message from them to
unsubscribe from such business affiliate's e-mail. You are able to opt-out
when registering with us.
We may also disclose your personally identifiable information in response to
a subpoena, court order, or other legal process; as well as the transfer or
sale of personally identifiable information pursuant to the sale of our
business or assets. Should such a combination or acquisition occur, we will
require that the new combined or acquiring entity follow this privacy policy
with respect to your personal information. If we transfer ownership of the
site to another company, we will notify you by email or by general notice on
our site. In addition to the forgoing, we may also sell, transfer or share
non-individualized information, such as summary or aggregated anonymous
information about all persons or sub-groups of persons visiting this site.
We cannot ensure that all of your private communications and other personal
information will never be disclosed in ways not otherwise described in this
Privacy Policy. For example, third parties may unlawfully intercept personal
data or access our servers and obtain personal data. Therefore, although we
use industry standard practices to protect your privacy, we do not promise,
nor you should not expect, that your personal information would always
remain private.
Certain sensitive information such as credit card numbers or other
information such as social security numbers and drivers licenses ("Financial
Information") collected on the site and associated data is encrypted and
protected with SSL encryption software from the time it is captured by our
application to the time it is transmitted to our servers. For more
information on the encryption and protection of your information, please see
How We Protect Your Privacy.
Application of this Privacy Policy
This Privacy Policy applies to consumers that have signed up on the website.
We may sell the personal information that you supply to us and we may work
with other third party businesses to bring selected retail opportunities to
our members via direct mail, email and telemarketing. These businesses may
include providers of direct marketing services and applications, including
lookup and reference, data enhancement, suppression and validation and email
marketing
How We Protect Your Privacy
We protect your privacy in a number of ways. As an initial matter, any
Financial Information transmitted to our servers via a secure server is
encrypted using SSL technology. SSL is a protocol that transmits your
communications over the Internet in an encrypted form. The protocol ensures
that the information is sent, unchanged, only to the server you intended to
send it to.
Once your information reaches our server, it is protected by a firewall.
With a firewall in place, your information is virtually inaccessible to
third parties. In addition to encryption and firewall protections, we have
all of our business affiliates agree to operate in accordance with federal
and state laws and regulations, including regulations relating to CAN-SPAM
and rules promulgated by the FTC. If we learn that any of our business
affiliates are breaching our agreement, and therefore your trust, we will
take corrective actions immediately or terminate our relationship with such
business affiliate.
We follow generally accepted industry standards to protect the personal
information submitted to us, both during transmission and once we receive
it. No method of transmission over the Internet, or method of electronic
storage, is 100% secure, however. Therefore, while we strive to use
commercially acceptable means to protect your personal information, we
cannot guarantee its absolute security. If you have any questions about
security on our Web site, you can mail us at the address indicated below in
the Contact Us section.
Changes; Opting-Out
If you want to change the information that you submitted, please do so by
making another request through our site our
Clicking Here to Opt Out of Calls or Emails. Please not that we will not be able to change
information that is forwarded on to our business affiliates. Please contact
the business affiliates directly to change any of your information.
If you want to request to be removed from further communication with this
Site, including our Premium Services. We will place your e-mail address on a suppression file
associated with this Site. Persons whose names appear on our suppression
file, will have their e-mail addresses checked against all correspondence to
be sent by us. Where there is a match, the planned email correspondence will
be withheld, and such person will receive no further email correspondence
from us. Your e-mail address will be placed on the suppression list
associated with this Site within ten business (10) days of your request.
Once you have opted out, we will no longer forward you email from this site
but we are not responsible or in control of the business practices of our
business affiliates who have been forwarded your information.
Notification of Changes to Privacy Policy
We may update this Privacy Policy at any time by posting a new privacy
policy on the Site. Be sure to check the current terms of any privacy policy
in effect by visiting this Site. By checking the effective date of the
policy, you will be immediately alerted on whether the Privacy Policy has
been updated. Please note however, that the updated privacy policy will go
into effect automatically 30 days after initial posting. From time to time,
we may use your information for new, unanticipated uses not previously
disclosed in our Privacy Policy. Please note that if our information
practices change at some time in the future, we will use only data collected
from the time of the new privacy policy amendment forward for those new
purposes. If we make material changes to this policy, we will notify you
here, by email, or by means of a notice on our home page.
Contact Us
If you have any questions or suggestions regarding our privacy policy,
please contact us at:
StudentPaymentRelief.com
301 McCullough Dr, Charlotte, NC 28262
Email: info@studentpaymentrelief.com
Special Notification for California Residents
Individual customers who reside in California and have provided their
personal information may request information regarding disclosures of this
information to third parties for direct marketing purposes. Such requests
must be submitted to us at the following mailing address:
StudentPaymentRelief.com
301 McCullough Dr, Charlotte, NC 28262
Email: info@studentpaymentrelief.com
This request may be made no more than once per calendar year. We reserve our
right not to respond to requests submitted other than to the address
specified in this paragraph.