Through the Site, users may enter Personal Information about themselves. This Policy explains our online information collection and use practices and the choices you can make about the way we use and share such information. Please take the time to read and understand this policy so that you can understand how we use your Personal Information. Please note that our online information collection and use practices may differ from our practices regarding information obtained offline.
REMEMBER: If you make use of the site, register with the site, request information that we may offer or submit information in any way to or through our site you agree to these terms. As we update and expand our services, this policy might change, so please review it from time to time.
We may collect information about you through a variety of methods, such as participation in surveys, chats, forums or the like or other documents that you submit to us, transactions in which you may engage with us or our affiliated companies, via phone or through other modes of communication or through visits that you may make to the Site. This Policy applies to all personally identifiable information that we collect and maintain about our users, including any contact information (e.g., name and address), financial information (e.g., account and credit history), federal loan history information (e.g., loan amount, loan type, school and lender) or identifying information (e.g., social security number, date of birth) that we may obtain in connection with providing services (“Personal Information”). You may view or change your information at any time by contacting us.
We also may collect certain non-Personal Information (i.e. generic information that does not identify you personally) when you visit any of our web pages such as the type of browser you are using (e.g., Google Chrome, Internet Explorer etc), the type of operating system you are using, (e.g., Windows or Mac), the IP address you are using to connect to the Site and the domain name of your Internet service provider (e.g., Comcast, ATT, Time Warner, Verizon etc).
The Site uses your Personal Information to provide you with products or services that you have requested, to respond to questions or communications and to get in touch with you when necessary. For example, the Site may use your Personal Information to communicate with you or to send you information that you have requested. In addition, we may send to you an e-mail offering products or services which we think you may be interested in or to ask you to participate in a survey. We do not consider any companies that are within our “family” of companies to be “third parties” for purposes of this policy. Thus, we may also share Personal Information provided online with companies affiliated with or owned directly or indirectly by PrediqMedia.com. Any of these companies may use and further share this information in the same ways we do. However, if we pass on Personal Information to a family company, we require that it protect such information in a manner that is consistent with this policy and your expressed preferences. For example, a family company may send to you an e-mail regarding special offers and announcements about products or services that it thinks might be of interest to you. A family company may also contact you offline. If you want to opt-out from our (or a family company) using the Personal Information you provided in these ways, please contact us.
Please contact us at any time to update or remove your Personal Information.
We will not share with third parties the Personal Information you provide except (a) if it is for the purpose(s) you provided it; (b) with your consent; (c) as may be required by law or as we think necessary to protect our company or others from injury (e.g. in response to a court order or subpoena, in response to a law enforcement agency request or when we believe that someone is causing (or about to cause) injury to or interference with the rights or property of another); (d) with other persons or companies with whom we contract to carry out internal site operations or our business activities (for example, sending out a product or a promotional item that you have requested on the Site); and/or (e) notifying you when we make material changes to one of our subscriber agreements or this policy. Examples of us sharing your Personal Information for the purposes submitted are if you participate in a third-party survey or request information from a third-party, we may provide the information provided to such third party so that they can send to you directly the information you requested. We will seek to obtain your consent at the place where the information is collected either by an “opt-in” or “opt-out” method, or by other means (such as sending to you an e-mail). As stated above, we do not consider any companies that are within our “family” of companies to be “third parties” for purposes of this policy and may also share Personal Information provided online with companies affiliated with or owned directly or indirectly by PrediqMedia.com. Any of these companies may use and further share this information in the same ways we do. However, if we pass on Personal Information to a family company, we require that it protect such information in a manner that is consistent with this policy. If you want us to stop sharing your Personal Information among PrediqMedia-owned companies, please contact us.
Additionally, with your consent, we may share the Personal Information you provide online with companies not affiliated with us (i.e. third party companies) who are interested in marketing their products or services to you or in asking you questions, both online and offline. We will seek to obtain your consent either by an “opt-in” or “opt-out” method, or by other means (such as sending to you an e-mail). Companies with whom we might share your Personal Information may include consumer products, telecom, financial, military, market research, entertainment, and educational services companies and their third party service providers. If you want us to stop sharing your Personal Information with these companies, please CONTACT US. If you consent to receiving communications from non-affiliated companies, you may need to communicate with them directly if you later decide that you no longer wish to receive their communications or if you wish to change any data you provided online. In this instance, any changes or amendments to your Personal Information must be given directly to each company who communicates with you as these changes, amendments and/or deletions will not be exchanged between us and non-affiliated companies. If we do share Personal Information with a non-affiliated company, to the extent practical, we require that they protect such information in a manner that is consistent with this policy. We cannot, however, guarantee how these non-affiliated companies will use your Personal Information.
We sometimes use the non-Personal Information that we collect to improve the design and content of the Site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze how the Site is used, as well as to offer you products, programs or services. Sometimes we share aggregate information with others, including affiliated companies and non-affiliated companies.
If you would prefer not to receive email updates from us that may relate, for example, to new services or offerings, or other email notifications, you may opt-out of receiving these communications by contacting us.
We may offer additional e-mail services or promotions that are sponsored by or co-sponsored with non-affiliated companies. Based on our agreement with them, these third parties may obtain Personal Information that site visitors voluntarily submit to participate in the contest, sweepstakes, or promotion. We have no control over the use of this information by these companies.
From time to time we may supplement information you give us with information from other sources, such as information validating your address. Thus, information we obtain through the Site may be intermingled with and used in conjunction with information obtained through sources other than the Site, including both offline and online sources.
We may, from time to time, make review lists, chat rooms, forums, message boards, blogs, newsgroups and other community tools available to you. Please remember that any information that is disclosed in these areas becomes public information for other users to view and for us to use. For example, from time to time, we may use the content you write (including your name or screen name if you post it) for promotional purposes, in e-mail newsletters or elsewhere, and by using the Site and/or these chat rooms, forums, message boards, news groups, and other community tools, you agree that we may do so. You should exercise caution when deciding to disclose your Personal Information in these areas, since anyone – not just us – may use publicly posted information.
We believe we have in place the appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security and correctly use the information we collect online as well as offline. Whenever Personal Information is passed on to non-affiliated companies, to the extent practical, we require that they also have in place the appropriate safeguards. We cannot, however, guarantee that they do so.
For instructions on how you can access the Personal Information that we have collected about you online, or how to correct any errors in such information, please contact us. To protect your privacy and security, we will take reasonable steps to help verify your identity before granting access or making corrections.
We will not knowingly accept Personal Information from anyone under 13 years old in violation of applicable laws. If you believe that your child under 13 has gained access to the Site without your permission, please CONTACT US. We have taken commercially reasonable steps to restrict use of the Site to those who are at least 13 years old. We do not market products or services for purchase by children and all children’s products or services we market are for purchase by adults only, or with adult permission.
Because our business needs may change over time, we reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time. If at any time in the future we plan to use your Personal Information in a way that differs from this policy, we will revise this policy as appropriate. Your continued use of the Site following the posting of any changes to this policy means you accept such changes. This policy is effective as of August 1, 2012.