CollegeLoansUSA.com - Your Financial Aid and Student Loan Debt Consolidation Center - On-Line Schools

Privacy Policy

At CollegeLoansUSA.com, we value your privacy. This privacy policy was created to provide a clear explanation of how your personal information and privacy will be safeguarded.

CollegeLoansUSA.com is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement.

Since many of the financial services offered via links on our site do require the collection of sensitive information, we want you to understand what types of information is being collected and what may happen to that information.

If you have any questions about our Privacy Policy, please email us at: privacy@collegeloansusa.com

COLLECTION OF INFORMATION

Information is collected from our users at several different points during your visit to CollegeLoansUSA.com via links to third party loan lending sites.

Qualification - A user must complete the qualification page in order to apply for Student Loan Consolidation. During Qualification, a user is required to provide certain pieces of information, such as name, mailing address, e-mail address, phone number, Social Security Number(optional) and answer three qualifying questions. This information is used to determine your eligibility for a student consolidation loan and may be provided to the lender and/or servicer who completes your consolidation.

Application - During the Application Process the user can choose to enter additional information, such as former name, Driver License #, date of birth, employer information, reference information and Loan Information. It is not required that this information be completed online, but the user will have to complete this information on the paper application in order for the Student Loan Consolidation to be approved. A Social Security Number must also be provided by the applicant during some point, either online or on the paper form. This Application information will be used to determine your eligibility for a student consolidation loan and may be provided to the lender and/or servicer who completes your consolidation.

Optional Information - At various other points during your visit to CollegeLoansUSA.com, you may be asked to provide information about yourself. For example, you may wish to participate in a survey or a contest. Participation in surveys or contests or the use of other services which require the input of additional information is completely voluntary on your part, and you have the choice about whether to disclose the information necessary to use these features of our site.

Passive Collection of Information - In addition to the information which you actively provide to CollegeLoansUSA.com by methods described above, CollegeLoansUSA.com collects information about how you interact with our site. CollegeLoansUSA.com collects passive information for purposes such as testing and improving a user's experience at the site and the compilation of broad aggregate demographic data and related usage information for internal purposes and for disclosure to third parties such as advertisers and content partners. The types of passive information collected by this site include, without limitation, your IP address, which type of browser you are using, where you go on our site, and how long you stay on any part of our site. Passive information does not identify you to CollegeLoansUSA.com by name, and CollegeLoansUSA.com does not link your IP address to your personally identifiable information.

Collection of Information from Children - CollegeLoansUSA.com abides by federal law and the "Youth Privacy" guidelines set up by the Federal Trade Commission. Therefore, CollegeLoansUSA.com will not knowingly collect any personal information from or allow the registration of young people under the age of 13.

USE OF INFORMATION

CollegeLoansUSA.com may use the your information you have provided in order to customize our site to your interests and enhance your overall experience at our site. CollegeLoansUSA.com utilizes passive information to learn more about how you interact with our site. This passive information may be combined with your other information for purposes such as testing and improving your experience at our site and the compilation of broad aggregate demographic data and related usage information for internal purposes and for disclosure to third parties such as advertisers and content partners. This aggregate passive information does not contain any personal information which can identify any individual user.

Contacting You by E-Mail - CollegeLoansUSA.com may use your contact information periodically in order to send you e-mail regarding updates at the CollegeLoansUSA.com site, such as new financial opportunities and additional listings which may be of interest to you. The frequency of these messages will vary depending upon your demographic interests. In addition, we may send you free informational newsletters or notices relating to topics which may be of special interest to you, including financial aid and financial services. If you voluntarily opt-in to receive offers from specific partners or third parties, you may also receive promotional e-mails from those partners. Out of respect for the privacy of our users, we present the option to opt-out of receiving newsletters and/or commercial e-mails whenever such messages are sent by CollegeLoansUSA.com. E-mail messages from third parties are not governed by the opt-out provisions of this Privacy Policy, but all such third parties are strongly encouraged t include opt-out procedures in their messages to you.

SHARING OF INFORMATION

CollegeLoansUSA.com will not knowingly sell, share, rent or otherwise transfer your information other than in accordance with the terms set forth in this Privacy Policy.

General Policy - CollegeLoansUSA.com understands how important your personal information is to you. Therefore, CollegeLoansUSA.com does not share any information that can be tied to you without your permission. If you give your permission to allow third parties to contact you, personal information about you (such as your contact information and other information collected during your visit to CollegeLoansUSA.com) may be shared with data aggregators, marketers (possibly in the form of list rental), and other organizations. Regardless of your decision regarding the sharing of your personal information, we may share broad aggregate demographic data and related usage information with our business partners. This aggregate information does not contain any personal information which can identify any individual user.

Third Party Service Providers - From time to time, CollegeLoansUSA.com may decide that it is more efficient to use third parties to perform specific services, such as sending newsletters to CollegeLoansUSA.com's users. If we use a third party to provide specific services (such as sending newsletters to our users on our behalf), then information (such as contact information, applicable demographic information, or account information) may be shared with that party to the extent necessary for the third party to provide these services. These third party service providers are only allowed to use personally identifiable information for the purpose of providing the specific services requested by CollegeLoansUSA.com. The third party services covered by this paragraph do not include links to third party sites found on our site, which are governed by a more specific provision (Links to Other Sites) below.

Disclosure to Law Enforcement and Similar Disclosures - While CollegeLoansUSA.com strives to protect the personal information of our users, CollegeLoansUSA.com will release personal information if required by law or in the good-faith belief that such action is necessary or appropriate.

OTHER PROVISIONS

Acceptance of Terms/Changes to Privacy Policy - Your use of this site indicates an acceptance of the terms of the Privacy Policy. CollegeLoansUSA.com reserves the right to update or amend this Privacy Policy at any time.

Disclaimer - CollegeLoansUSA.com provides information on many topics. Some of this information is created by CollegeLoansUSA.com, and some of it is created by third parties. While our site strives to provide accurate expert advice, commentary and other information, CollegeLoansUSA.com does not make any warranty regarding the accuracy, reliability or use of any information provided on this site, including calculators and other tools.

Other - In the event that CollegeLoansUSA.com sells, assigns or transfers some or all of its business to a successor or acquirer, CollegeLoansUSA.com may sell, assign or transfer all of your information, regardless of your opt status, to such successor or acquirer.

Links to Other Sites - This site contains links to other sites. Please be aware that CollegeLoansUSA.com does not exercise control over the information, products, services or policies of third party companies accessible through our site. We encourage our users to be aware when they leave our site and to read the privacy policies of each and every third party site. This Privacy Policy applies solely to the information collected by this site.

Changes to Private Policy - CollegeLoansUSA.com reserves the right to update this Privacy Policy at any point. Users will always have access to our current Privacy Policy by visiting www.CollegeLoansUSA.com.