Privacy

StudentLoansAndGrants.com recognizes the importance of protecting the privacy of all information provided by users of our website, registrants for our events, recipients of our e-mail newsletters and all of our customers. We created this policy with a fundamental respect for our users’ right to privacy and to guide our relationships with our users.

Information Collected & Use

StudentLoansAndGrants.com collects information from our website users, subscribers and customers. In this section of our privacy policy, we will describe the type of information we collect and how we use it to provide better services to our customers.

Information not collected by StudentLoansAndGrants.com:

A user can access our Website and utilize many of our services without providing any information at all. Nor will their browsing path outside of our website be followed.

We do develop summary – not individual – reports for our advertisers. The people that make it possible for visitors to use StudentLoansAndGrants.com services for free – our advertisers – need this information to determine how effective their advertising investments are. We never tell our advertisers the identity of a user who saw or clicked on their advertisements unless the user has expressly given permission to do so.

In accordance with the Children’s Online Privacy Protection Act (COPPA), StudentLoansAndGrants.com does not collect or store any personal information, even in aggregate, about children under the age of 13.

Information StudentLoansAndGrants.com does Collect:

Optional sign ups

If users wish to utilize certain services located on the StudentLoansAndGrants.com website, they must sign up. Services that require some form of sign up currently include:

• Participation in contests
• Volunteer Search
• Use of StudentLoansAndGrants.com subscriber services
• E-mail newsletters

The information collected when a user signs up for a service can include an e-mail address (which also functions as an account ID in some instances), name, phone number or address. When signing up for a service, a user may also “opt out” of various e-mail notifications or offers.

Surveys, Contests & Lead Forms

From time to time we invite users to provide information via forms. Participation in these is completely voluntary and the user therefore has a choice whether to disclose requested contact information (such as name and mailing address) and demographic information (such as zip code or job title). In addition to other uses set forth in this policy, contact information collected in connection with surveys and contests is used to notify the winners and award prizes, to monitor or improve the use and satisfaction of the site, and may be shared with sponsors of such surveys or contests. By choosing to opt-in (check off) where remarked “Yes. I would like StudentLoansAndGrants.com to advise me of scholarships, financial aid, contests and other features.” participants agree to accept emails, letters and all forms of communication that utilize the information provided by the participant. Participants may opt-out at any time by using the provided link in all email correspondence or by contacting StudentLoansAndGrants.com by phone, fax, email or mail.

Interactive Features

Occasionally, we offer interactive and community features such as discussion boards, webcasts and chatrooms. While no personal information needs to be disclosed to gain such access, users should understand that should they choose to disclose personal information in these areas, it will become public information.

E-Mail Newsletters

If users wish to subscribe to our e-mail newsletters, we ask for contact information (such as name, e-mail address and, occasionally, demographic information). We use this information in the same manner as we use contact information in the registration and ordering process described above. Recipients of our newsletters can opt-out using the instructions listed at the end of the e-mail newsletter.

Tell a Friend

If users elect to use our referral service for informing a friend about our sites and services, we may ask them for the friend’s name, job title and e-mail address. StudentLoansAndGrants.com will store and use this information to send the friend an invitation. This information may also be used to provide information about our company and related products and services. The friend may contact us as specified in the tell-a-friend message to request that no further communications be sent.

Communications With Us

We have features where users can submit information to us (such as our feedback forms). Letters to the editor and similar submissions may be made public. Requests for service, support or information may be forwarded as needed to best respond to a specific request. We may retain e-mails and other information sent to us for our internal administrative purposes, and to help us to serve customers better.

Automatic Data Collection & Cookies

A cookie is a small data file that a Website transfers to a user’s hard drive when a user visits the Website. A cookie file can contain information such as a user ID that the site uses to track the pages visited. The only personal information a cookie can contain is that which a user supplies. A cookie can’t read data off a hard disk or read cookie files created by other sites. StudentLoansAndGrants.com does not use cookies to store passwords or any other personal information about a user.
For our internal purposes, we gather date, time, browser type, navigation history and IP address of all visitors to our site. This information does not contain anything that can identify users personally. We use this information for our internal security audit log, trend analysis and system administration, and to gather broad demographic information about our user base for aggregate use.

We may combine demographic information supplied by a subscriber at registration with site usage data to provide general profiles, in aggregate non-personally identifiable form, about our users and their preferences in the content of the site and advertising. We may share this composite information with our advertisers and business affiliates to help them better understand our services.

With Whom Your Information is Shared

When we have co-branded, customized, private label, powered by or sponsored products and services, or when we join with other parties to provide specific services, we may share (provide and receive) personal information with them. Credit Card information is never shared.

Other than as set forth above, we do not share personally identifiable information with other companies, apart from those acting as our agents in providing our product(s)/service(s), and which agree to use it only for that purpose and to keep the information secure and confidential. Also, our parent, subsidiary and affiliate companies, entities into which our company may be merged, or entities to which any of our assets, products, sites or operations may be transferred, will be able to use personal information.
We will also disclose information we maintain when required to do so by law, for example, in response to a court order or a subpoena or other legal obligation, in response to a law enforcement agency’s request, or in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property. Users should also be aware that courts of equity, such as Canadian Bankruptcy Courts, might have the authority under certain circumstances to permit personal information to be shared or transferred to third parties without permission.
Security

We use reasonable precautions to protect our users’ personal information and to store it securely. Sensitive information that is transmitted to us online (such as credit card number) is encrypted and is transmitted to us securely. In addition, access to all of our users’ information, not just the sensitive information mentioned above, is restricted. Only employees who need the information to perform a specific job (for example, a billing clerk or a customer service representative) are granted access to personally identifiable information. Finally, the servers on which we store personally identifiable information are kept in a secure environment.
Links

Our website contains links to other sites. StudentLoansAndGrants.com is not responsible for the privacy practices or content of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each website to which we may link that may collect personally identifiable information.

Notification & Changes

If we change our privacy policy, we will post those changes on this page so our users are aware of what information we collect, how we use it and under which circumstances, if any, we disclose it. Users should check this policy frequently to keep abreast of any changes.

For questions about this privacy statement, the practices of this site or any dealings with StudentLoansAndGrants.com, contact us at:

Address: 940 King Street West
Toronto, ON Canada, M5V 1P5
Telephone: 416-850-4679
Fax: 416-850-4680
Email: Info@StudentLoansAndGrants.com
Url: https://www.StudentLoansAndGrants.com