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Information Collection, Use, and Dissemination practices.
This policy applies to Company's collection, use, storage and disclosure of information by Company on its, (a) websites, including all its parent companies, divisions, subsidiaries and related companies (collectively, the "Websites").
1. Collection of Information.
1.1. User Direct Information.
Each time you provide transmit information via the Website or by other means, Company may obtain and collect personally identifiable information provided by you, including, but not limited to, your name, email address, mailing address, social security number, credit card information, and telephone or cell phone number. You may also provide us with information that, when combined with personally identifiable information, provides us with a better idea of who you are, including but not limited to your gender, birthday, marital status, and education level (collectively referred to as "personal information"). If you choose to access our website, use our services or purchase our products, we may require you to provide personal information as indicated on the forms throughout the site.
1.2. Survey Information.
Company may collect information from you when you voluntarily complete a Company survey, order form, or a registration page either online by using the internet, offline by providing this information through the mail, in person or using a telephone. This information may be collected by surveys, order forms, or registration pages operated by third parties. Company may also collect such information concerning you from another source and uses that information in combination with information provided from the Websites. Completing the Surveys is completely voluntary, and you are under no obligation to provide Survey Information to Company or a third party this includes, but is not limited to, your name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of 1.3. Other Methods of Collecting Personal Information. Other occasions when Company obtains information from you include (1) your claiming a prize or seeking to redeem an offer by Company or by a third party, (2) your requests for assistance through Company's customer service department, and (3) when you voluntarily subscribe to a Company service or newsletter.
1.3. Cookies, Web Beacons, and Other Info Collected Using Technology.
Company currently uses cookie and web beacon technology to associate certain Internet-related information about you with information about you in its database. Additionally, Company may use other new and evolving sources of information in the future.
(b) Tracking Pixels/Heat Mapping.
Company may use clear GIF Tracking pixels to track user movement through the site for aggregated site traffic metrics. Technologies such as heat mapping may be used from time to time to track user movement and frequently visited locations on a page/s within the website.
(c) IP Addresses.
Company automatically tracks certain information based upon your behavior on the site. We may use this information to do internal research on our users' demographics, interests, and behavior to better understand, protect and serve you and our community. This information may include the URL that you just came from (whether this URL is on the site or not), which URL you next go to (whether this URL is on the site or not), your computer browser information, and your IP address. Your Internet Protocol ("IP") is a unique Internet "address" which is assigned to you by your Internet Service Provider ("ISP"). For local area network ("LAN"), DSL, or cable modem users, an IP address may be permanently assigned to a particular computer. IP addresses are automatically logged by Web servers, collecting information about a user's traffic patterns. While the IP address does not identify an individual by name, it may, with the cooperation of the ISP, be used to locate and identify an individual using the Web. Your IP address can, however, reveal what geographic area you are connecting from, or which ISP you are using. Finally, other websites you visit have IP addresses, and we may collect the IP addresses of those websites and their pages.
(d) Computer Profiles.
(e) Data Analysis.
Data Analysis technology may be employed from time to time.
(f) New Technology.
The use of technology on the Internet, including cookies and web beacons, is rapidly developing. As a result, Company strongly encourages individuals to revisit this policy for any updates regarding its use of new technology.
1.4. No Information Collected from Children.
Company will never knowingly collect any personal information about children under the age of 13. If Company obtains actual knowledge that it has collected personal information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, Company has no such information to use or to disclose to third parties. Company has designed this policy in order to comply with the Children's Online Privacy Protection Act ("COPPA").
1.5. Credit Card and Checking Account Information.
Company may, in certain instances, collect credit card numbers and related information when an individual requests service from Company. When the credit card information or check account information is submitted to Company, such information is encrypted and is protected with SSL encryption software. Company will use the credit card or checking information for purposes of processing and completing the requested transaction, and the credit card or checking account information will be disclosed to third parties only as necessary to complete the requested transaction.
Company understands the importance of security for our consumers. When applicable, we use an SSL (Secure Socket Layer) encryption technology to protect sensitive personal or financial information during transmission. This allows your personal information to be submitted in a secure environment while reaching the intended parties. An SSL-capable web browser is needed to support this encryption technology. Netscape Navigator 4.6 or higher or Microsoft's Internet Explorer 4.01 or higher will support SSL technology. To verify that you are on a secure web page in Netscape Navigator, right-click while your cursor is on the form (not the border) and select "view Frame information" in Netscape Navigator. To view security certificates in Internet Explorer, click Internet Options on the View menu in the browser and then the Content tab. In the Certificates area, click the Personal, Sites, and Publishers buttons to view the current certificates.
2. Use of Individual Information.
2.1. General Use.
The following paragraphs in Section 2 describe how Company currently uses Individual Information, but Company may change or broaden its use at any time. As noted below, Company may update this policy from time to time. Company may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.
2.2. Solicited Email.
Company only sends email to individuals who have agreed on the Website to receive email from Company. As such, Company does not send unsolicited email messages. As a result, United States statutes requiring certain formatting for unsolicited email are not applicable to Company's email messages.
2.3. Targeted Advertising.
Company may use Individual Information to target advertising to an individual. When an individual is using the Internet, Company uses Technology Information to associate an individual with that person's Individual Information, and Company attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. Company may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.
Company may use Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones. We may use individual information to provide the services you've requested, including services that display customized content and advertising.
2.5. Wireless Addresses.
If the e-mail address you provide to Company is a wireless e-mail address, you agree to receive messages at such address from Company or its business associates (unless and until you have elected not to receive such messages by contacting a company sales/customer service representative by email or phone requesting so). You understand that your wireless carrier's standard rates apply to these messages. You represent that you are the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges.
2.6. Use of Technology Information.
Company uses Technology Information (1) to match a person's Survey Information and Third Party List Information to other categories of Individual Information to make and improve profiles of individuals, (2) to track a person's online browsing habits on the Internet, (3) to determine which areas of Company's websites are most frequently visited. This information helps Company to better understand the online habits of individuals so that Company can target advertising and promotions to them.
2.7. Profiles of Individuals.
Company uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as information obtained from public databases.
2.8. Storage of Individual Information.
Company stores the Individual Information in a database on its' computers and/or cloud based SAAS (software as a service, programs such as Salesforce CRM, Microsoft Office 365 Online, Vocalocity Voice Over IP virtual calling center service, etc. These cloud based programs are encrypted and secured by the program providers). Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Company's control. Notwithstanding such measures, Company cannot guarantee that its security measures (and the security measures of all cloud based programs used by company) will prevent its computers (or cloud based programs) from being illegally accessed, and the Individual Information on them stolen or altered.
3. Use of Personal Information.
Company may use your personal information in the following ways:
3.1. Public Forums.
3.2. Third Party Offers.
Company will not make customer lists available to companies or other entities not affiliated with the Company that have goods, services and offers that might be of interest to you. USA Student Loans does not partake in the sharing of information with third party companies and only uses collected information for internal company use.
3.3. Service Providers.
We may use third parties to help operate our Web Site and deliver products and services, and may share your Personal Information with our affiliates, service providers and other third parties that provide products or services for or through this Web Site or for our business (such as Web Site or database hosting companies, address list hosting companies, e-mail service providers, analytics companies, distribution companies, fulfillment companies, and other similar service providers that use such information on our behalf). Unless otherwise stated, these companies do not have any right to use the Personal Information we provide to them beyond what is necessary for them to assist us.
3.4. Aggregate Statistics.
We may disclose aggregate statistics regarding user behavior as a measure of interest in, and use of, our Web Site and e-mails to third parties in the form of aggregate data, such as overall patterns or demographic reports that do not describe or identify any individual user.
3.5. Complying with Legal Process.
Company will use or disclose your personal information in response to subpoenas, court orders, warrants, or legal process, or to otherwise establish or exercise our legal rights or defend against legal claims or in the event you violate or breach an agreement with Company. Company will use and disclose your personal information if we believe you will harm the property or rights of Company, its owners, or those of Company 's other customers. Finally, we will use or disclose your personal information if we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Company's acceptable use policy, or as otherwise required by law when responding to subpoenas, court orders and other legal processes.
3.6. Service Fulfillment.
Company will transfer your personal information to third parties when necessary to provide service/s you request from Company through its website. Company works in conjunction with the Department of Education among other federally controlled entities and will need to provide your personal information to these federally governed and controlled third party Federal Institutions to file, process and fulfill requested services.
3.7. Third Parties.
Company may provide your personal information to third parties with whom they have a business relationship for the purposes of securing the services and products you have requested.
4. Privacy Practices of Third Parties.
The websites and email messages sometimes contain hypertext links to the websites of third parties. Company is not responsible for the privacy practices or the content of such other websites. Linked websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. Company does not operate or control in any respect any information, software, products or services available on such third party websites. The inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
If Company changes ownership through an acquisition, merger, sale or other change of business status, it reserves the right to transfer or assign the right to use your Personal Information collected from the Website.
6. Foreign use of the Website.
To the extent that you are accessing the Website while domiciled outside of the United States, you acknowledge that the Personal Information you are providing Company is collected and stored in the United States and therefore consent to the transfer of information to and storage of the information outside of your domiciled country and in the United States.Type your paragraph here.