Last Modified: 2021-10-28
4. Children’s Privacy
You understand and acknowledge that: (a) the Website is not intended for children under 13 years of age; (b) in order to comply with the Children’s Online Privacy Protection Act, we do not knowingly or intentionally collect any personal information about children under 13 years of age; and (c) if we obtain actual knowledge that we have collected personal information about a child under 13 years of age without verification of parental consent, that information will be immediately deleted from our database. If you are under 13 years of age, you must not: (a) make any donations through the Website; or (2) send any information about yourself to us or any third party through the Website (including your name, address, telephone number, or e-mail address). If you believe that we might have any information from or about a child under 13 years of age, please contact us at firstname.lastname@example.org.
5. Information Collected
We may request at times that you voluntarily supply us with personal information to register an account on or make a donation through the Website. Such personal information includes any information that may be used to identify you (including, but not limited to, first and last name, home or other physical address, email address, and additional information that you may choose to provide us).
We may request at times that you voluntarily supply our payment processors with financial information. Our payment processors may request to collect your credit card, automatic clearing house (“ACH”), or other payment instrument details and other financial information necessary to process your donation.
We may request at times that you voluntarily supply us with personal information that is necessary to directly process your received donation funds to your student loan account. Such personal information includes any information that may be used to identify you, your student loan account, and the entity that holds your student loan account (including, but not limited to, first and last name, address on file for the student loan account, you associated accounts’ routing and account numbers, email address, and additional information necessary to process the received donation funds to your student loan account).
As you navigate through the Website, we may also collect: (a) details of your visits to the Website, (including, but not limited to, traffic data, location data, logs, and other communication data and the resources that you access); and (b) information about your computer and internet connection (including, but not limited to, your IP address, operating system, and browser type, for system administration). This is statistical data about your equipment, browsing actions, and patterns, and does not identify you personally.
6. Use of Information
By entering personal information on the Website, you consent to our use of your personal information for purposes related to the Website, its Content and any other the services offered and/or provided on, or in connection with the Website. Without limiting the foregoing, by giving us personal information you are giving us, as well as our third-party service providers, permission to contact you and/or send information about services and offerings. By using the Website to give a donation or transfer donated funds to a student loan account, you consent to our or our payment processor’s use of the necessary personal and financial information for their related purposes.
7. Disclosure of Information
We may disclose personal information that you provide via the Website to the following:
a. Our subsidiaries and affiliates
b. Contractors, employees, agents, and service providers we use to support our business.
We may also disclose your personal information to third parties under the following circumstances:
a. We are legally required to respond to subpoenas, court orders, or legal process.
b. We believe it is necessary for us to establish or exercise our legal rights or defend against legal claims.
c. We believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Service, or as otherwise required or permitted by law.
d. We are a party to a merger, divestiture, restructuring, reorganization, dissolution, or any other form of sale of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by the Company about its participants is among the assets transferred.
8. Disclosure of Aggregated, Non-Personal Information
We may share collected aggregated and non-personal information with third parties to conduct research, enhance our services, or for any other legally permissible use.
9. Accessing and Correcting Your Personal Information
You may send us an e-mail at [CUSTOMER SUPPORT EMAIL ADDRESS] to request access to, correct, or delete any personal information that you have provided to us.
10. Information Protection
We take reasonable measures to protect the confidentiality, security, and integrity of the personal information collected from you. Personal information is stored in secure operating environments that are not available to the public and that are only accessible to authorized employees. We also practice measures to protect against the loss, misuse, and alteration of the information under our control. Unfortunately, there is no such thing as perfect security. As a result, although we strive to protect personally identifying information, we cannot ensure or warrant the security of any information transmitted to us through or in connection with our Website, that we store on our systems or that is stored on our service providers’ systems.
11. Retention of Information
We will only retain the information for as long as necessary for the purpose for which that information was collected and to the extent permitted or required by applicable laws. When we no longer need to use your information, we will remove it from our systems and records and/or take step to anonymize it so that you can no longer be identified from it in accordance with our internal document retention policies.
When determining the retention period, we take into account various criteria, such as the type of products and services requested by or provided to you, the nature and length of our relationship with you, possible re-enrolment with our products or services, the impact on the services we provide to you if we delete some information about you, mandatory retention periods provided by law and the statute of limitations.
13. Do Not Track
Online tracking technology allows website operators to collect personally identifiable information about you as you move through websites and other online service providers. When enabled from most browser privacy settings, a “do not track” (“DNT”) signal or request notifies a website operator that you do not wish to be tracked online. As currently constituted, we only track your movement within the Website.
However, some third-party sites keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you. Third parties cannot collect any other personally identifiable information from our Website unless you provide it to them directly.
We do not honor DNT requests, and we do not treat visitors who make DNT requests differently from visitors who do not make DNT requests. We also do not differentiate between visitors who make DNT requests and visitors who do not make such requests, when it comes to collecting or using personally identifiable information.
14. MEDIATION AND ARBITRATION; JURY TRIAL AND CLASS ACTION WAIVER
Any dispute arising from these Terms of Service which cannot be resolved by the parties in good faith after making the best effort for a period of not less than 15 days, shall first be submitted to mediation with a neutral mediator agreed upon by the parties, with the cost of the mediator to be borne equally by them. In the event the parties are unable to mutually agree upon a mediator, the Company has the exclusive right to select the mediator. If a dispute cannot be resolved through mediation, the parties agree to submit to binding arbitration with a neutral arbitrator mutually agreed upon by the parties. The cost of binding arbitration will be borne by the parties equally. In the event the parties are unable to mutually agree upon an arbitrator, the Company has the exclusive right to select the arbitrator. The place of arbitration shall be Lake County, Indiana and Indiana law shall apply. The parties further agree that the parties will perform any award rendered by the arbitrator, and that a judgment of any court having jurisdiction may be entered on the award.
15. Governing Law; Venue
Except as described above in Section 14, this Privacy shall be governed by and construed in accordance with the laws of the State of Indiana, regardless of any conflicts of law principles. You and the Company submit to the exclusive jurisdiction of the Indiana state courts in Lake County, Indiana or federal courts in the Northern District of Indiana for any and all actions or proceedings arising out of or relating to these Terms of Service, with the exception that we may bring any action or proceeding against you for breach of these Terms of Service in your country of residence or any other relevant country. You must waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
16. Visitors from Outside of the United States
17. Your Comments and Concerns