Information that We Collect
Personal Information:
Depending on the Services you visit or use, we may gather information from and about you at different times, including details that allow us to personally identify you. Name, age, postal address, email address, phone number, fax number, short message service or text message address, other wireless device address, instant messaging address, demographic information, education and scholastic information (including but not limited to level of education, desired level of educational program, and areas of interest), current occupation, military status, governmental loan status, information, and other information are included in this list, but are not limited to.

For the purposes of fulfilling the purposes for which you provide such information, we may also collect information that you provide to us about other people (such as family members or co-borrowers in the case of www.estudentloan.com). This information may include, but is not limited to, their names, postal addresses, telephone numbers, mobile numbers, and email addresses.
Non-Personal Information:
In addition to collecting Personal Information about you, we also gather Non-Personal Information, such as Usage Information (as described below), and other information from and about you (“Non-Personally Identifiable Information” or “Non-PII”). We may combine Non-PII with other data in a way that makes it possible to identify you or get in touch with you directly. In this case, the combined information will be handled as personal data.
How We Collect Information.
We may collect information from you in the following ways:
information that you supply. When you:
request information about or use our products or services;
email us or otherwise communicate with us;
complete forms or fields on the Services;
register as a user or subscribe to any of our newsletters, materials, or services through the Services;
engage in online transactions;
create profiles;
offer college reviews or take part in our online surveys; and
publish to the Services or send us user-generated content or submissions, such as chat room posts, listserv postings, blog comments, or other contributions to an open forum or community feature we make available on the Services (“User Contributions”).
Information from Other Sources. We might gather data about you from other services we offer, our affiliates, outside or public sources (including blogs, social networks, and open forums), other Service users, and our business partners.
Information gathering that is automatic. Usage Information is gathered and stored by us and our service partners using automatic data collecting tools (as defined below). The quantity and regularity of visitors to each Site, as well as the duration of their visits, are all factors that assist us analyze how our users utilize and navigate the Site in the aggregate. This automatically gathered log data may be combined with other data we have about you. We do this to enhance the services we provide to you, as well as to enhance site functionality or marketing and analytics. Additionally, we might let third-party ad networks and advertising agencies to gather Usage Information through the use of automatic data collection tools in order to deliver interest-based advertisements.
How We Use the Information that We Collect
We may use your information, including Personal Information, to:
Deliver the goods and services you’ve asked for;
Provide customer assistance, which includes attending to your requests and inquiries, troubleshooting and resolving issues or complaints, as well as for any other reasons we feel suitable;
Make sure the data you give us is accurate;
To speak with you;
Verify your eligibility to use the Services and your identity;
Create and maintain your account, as necessary;
Conduct analysis and research to create and enhance the Services and other potential products and services we might offer;
Recognize your use of or interest in our products, services, and content as well as that of others, and anticipate this;
Create and showcase goods, services, and information on the Services and other online domains that are suited to your interests;
Determine the general success of our online advertising, programming, and other efforts;
Provide you with individualized information about our company, our affiliates, or our outside business partners’ goods and services that may be of interest to you;
Control our operations and business;
In order to improve our sites and the services we currently offer on the Sites and may offer in the future, we use the information we automatically collect (such as contact information, IP address, and basic browser and system details);
In order to give you a personalized browsing experience;
Safeguard the services’ integrity and security;
To fulfill our commitments and uphold our rights under the Terms of Use, this Privacy Policy, and any other relevant agreements or policies;
Utilize or publish user contributions in accordance with our terms of service;
Fulfill any additional objectives for which you supply information, as well as any other purposes for which you provided consent or that were disclosed to you at the time your information was obtained.
Our Sharing Practices
We may disclose or share information from or about you, including your Personal Information, as follows:
For the support of our internal and business operations, for the purpose of cross-marketing, or in connection with a request made by you or your opt-in or consent, Education Dynamics may share your information with its affiliated companies (i.e., businesses that control, are controlled by, or share common control with us).

We may share your information with our non-affiliated third-party business partners, service providers, and vendors so they can help us deliver the goods or services you need through the Services or support our internal business operations, such as customer service, data processing, data storage, research, analytics, web hosting, marketing, offering ideas and tactics to enhance our business procedures and the services we offer, and delivery. Your personal information might be given to businesses who offer services to help us with our operations, such providing customer service. Your Personal Information may only be used by these businesses insofar as it is required to carry out the services they are performing for us. When you use certain Services or services sponsored or provided by other non-affiliated companies, parties, or organizations (with whom we maintain business relationships), including, but not limited to, requesting or purchasing goods or services offered by these third parties, choosing to get information or communications from them, or choosing to take part in competitions, sweepstakes, games, scholarships,For instance, if you give us personal information so that we may match you with a school, we will share that information with the schools so that they can get in touch with you about opportunities in the educational or related fields. Your information will be subject to the information use and sharing policies of these third parties after we give it to them, and these third parties will not be constrained by this Privacy Policy in how they use and share your information moving forward.

The information gathered during your visit to the advertiser’s website and the information you provide to the advertiser will be regulated by the advertiser’s privacy policy if you provide information to an advertiser or other third party that is made available on or through EducationDynamics. Please refer to the applicable privacy policy of such advertisers for further information on how they will use your information. Advertisers that are made available on this website have their own policies and procedures, and EducationDynamics disclaims any duty or accountability for them..
Additionally, from time to time, we might give certain third parties access to Personal Information (like email addresses and other contact details like name, email address, and phone number) so they can market educational or non-educational products and services that we think our customers might find interesting. See the section titled “Your Choices about How We Use and Disclose Your Information” for information on how to decline our offer to share your information with such third parties.

Any anyone who, in our reasonable opinion, is qualified to receive your information, such as your agent, lawyer, parent, guardian, or co-signor of a loan application, may have access to it.

When it is necessary to comply with the law, to enforce or apply the terms and conditions and other agreements, to comply with a court order or other similar legal process served on our Site, to protect the rights, property, or safety of our business, our affiliates, our other clients or users of the Services, or other third parties, we may disclose information we have collected from or about you. We may transfer the relevant data pertaining to our clients and users of the Services if some or all of our business assets are sold or transferred, whether through a sale, acquisition, merger, consolidation, reorganization, bankruptcy, or other corporate change involving us and/or our affiliates.providing information, including personal data, to parties evaluating or assisting the transaction. We might additionally keep a copy of this data. Nothing in this privacy statement is meant to limit our right to at any time, for any reason, without restriction, and without notice to you or any other form of payment, transfer all or a portion of our business, equity interests, or assets (including the Services) to a third party, affiliated or unaffiliated.We cannot guarantee that any of your personal information or communications will never be disclosed in methods not explicitly stated in this Policy. For instance, under certain conditions, we might be required to provide information to the government or other parties, third parties might illegally intercept or access transmissions or private communications, or users might abuse or misuse your personal data that they illegally collect from the Site. Although we will make an effort to preserve your privacy, we cannot guarantee it and you shouldn’t count on your personal information or private messages staying private at all times.
User Contributions
The Services may contain public areas, forums, message boards, chat rooms or features that allow you to provide your User Contributions to be published or displayed or transmitted to other users of the Services. Your User Contributions are posted on the Services and transmitted to others at your own risk. For this reason, we recommend that you do not include any sensitive or personally identifiable information about yourself or others in your User Contributions for these areas of the Services. Please see our Terms of Use for more information regarding User Contributions.
We and our service providers automatically gather “Usage Information” from and about you, including details about your computer or mobile device, IP address, web browser, operating system, related software and settings you are using, browsing actions and patterns, the referring page that led you to us, the website you visit after using the Services, and other usage activity on the Services. By allowing us to, among other things:
Estimate our audience size and usage patterns;
Store information about your preferences, allowing us to customize the Services according to your individual interests;
Speed up your searches; and
Recognize you, the collection of Usage Information enables us to improve the Services and to deliver a better and more personalized service.
We and certain third parties, such as but not limited to advertising service providers, may use certain technologies to collect information about your online activities over time and across different services.
The automatic collection technologies we and our service providers may use for this automatic information collection include:
Cookies (or browser cookies). A cookie is a small data file that is sent to your browser or related software and stored on your computer’s hard drive when you visit a website. Generally, cookies can track what you look at and where you travel on websites and what transactions you make. They can also store Personal Information about you, including your username and password. A “session cookie” expires immediately when you end your browsing session with the particular website. A “persistent cookie” stores information on your hard drive so when you end your browsing session and return to the same website later, the cookie information is still available. The Services may use both types of cookies.
Flash Cookies. Certain features of the Services may use locally stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on the Services.
Web Beacons. Pages of the Services and any emails we send to you may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened our emails and for other related website analytics (e.g., recording the popularity of certain website content and verifying system and server integrity).
Local Storage (LSs). We use LSs such as HTML5 to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSs such as HTML5 and Flash to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSs.
We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
For more information about managing your privacy settings regarding automatic collection of Usage Information, see the Your Choices about How We Use and Disclose Your Information section.
Supplementation of Information
If applicable to the Services you are using, in order to provide accurate school matching services to you, we may on occasion supplement the Personal Information you submitted to us with information from third party sources.
Address and Phone Number Verification
If applicable to the Services you are using, we work with service providers to verify your address and phone number, in order to accurately match you to a course of study and school program, if applicable.
Customer Testimonials
We may post customer testimonials Site, which may contain personally identifiable information like a video along with their first and last name. We do obtain the customer’s consent via email or via other means prior to posting the testimonial to post their name and video along with their testimonial.
Third-Party Advertisers and Interest-Based Ads
With the exception of certain of our webpages, services or features that may collect sensitive Personal Information such as financial information, we may permit third-party advertising companies or ad networks to display third-party advertisements on our websites and/or automatically collect Usage Information from our websites for purposes of determining your preferences and delivering interest-based advertising and content to you on the Services or other online properties, including those operated by third parties. Those ads may include ads for our products or services or for other companies’ products or services.

These third-party advertisers may combine the Usage Information with Personal Information you directly submit to them or that they receive from other sources, or the Usage Information they collect may include information that could allow someone to specifically contact you online without necessarily knowing your identity. We do not have access to or control over the automatic collection technologies that these third-party advertisers may use, and the information practices of these third-party advertisers are subject to these parties’ respective privacy policies, not this Privacy Policy.

If you click on a link to a third party site, including on an advertisement, you will leave the Site you are visiting and go to the site you selected. Because we cannot control the activities of third parties, we cannot accept responsibility for any use of your personally identifiable information by such third parties, and we cannot guarantee that they will adhere to the same privacy practices as this Site. We encourage you to review the privacy statements of any other service provider from whom you request services. If you visit a third party website that is linked to this Site, you should read that site’s privacy statement before providing any personally identifiable information.
Third-Party Content
The Services and all electronic communications sent in connection with the Services, may contain links, videos, images, or other content provided by third parties. We do not necessarily endorse these websites, products, services, or practices. We do not control, and are not responsible for, the privacy and security practices of these third parties. We recommend that you review the privacy and security policies of these third parties to determine how they handle information they may collect from or about you once you are on the third party site.

The Services may also allow you to engage with social media features, such as the Facebook Like button, Google Plus, and Twitter widgets, when you are logged into those services. These features may collect information about your IP address and which page you are visiting on the Services, and they may set a cookie to make sure the feature functions properly. Your interactions with these features and the information from or about you collected by them are governed by the privacy policies of the companies that provide them.
Accessing and Correcting Your Information
The appropriate method(s) for accessing your information, if any, will depend on which of our websites and services you have visited or used. Depending on the website and service, you may have the ability to view or edit some of your information online, by logging into the Services and visiting your account profile page. You may also contact us at info@educationdynamics.com to request access to, correct, or delete any Personal Information that you have provided to us; however, we may ask you to verify your identity and provide other details to help us to respond to your request. We will respond to your request within a reasonable timeframe.

We cannot delete your Personal Information except by also deleting your user account, if applicable. Once your user account is deleted, it cannot be recovered. We also may not accommodate a request to change or delete information if we believe the change would violate any law or legal requirements, not allow us to enforce our agreements, be contrary to our Terms of Use or any other applicable agreement between you and us, or cause the information to be incorrect. After deletion of your user account, your Personal Information may remain on our archived database and records.
To request removal of your personal information from our blog or forum, contact us at info@educationdynamics.com. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why. If you delete or request the deletion of your User Contributions from the Services, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied, stored, or reposted to another website by other users of the Services.

Any updates you make or request to be made to your Personal Information will be applied in our own records but will not be updated in the records of the educational institutions or other third parties to which we have already shared your information. If you would like to make updates to the information that has been shared with educational institutions and other third parties, you will need to contact them separately.
Security
We strive to use reasonable security measures to protect your information collected through the Services. However, no method of transmission or electronic storage is 100% effective, and we cannot guarantee absolute security. Therefore, your use of the Services is at your own risk and we do not promise or guarantee, and you should not expect, that your information will always and absolutely remain private and secure. We are not responsible for the circumvention of any privacy settings or security measures contained on or concerning the Services. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse.

In the unlikely event that we believe that the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, if we have your email address, we may notify you by email. You consent to our use of email as a means of such notification. If you prefer for us to use another method to notify you in this situation, please email us at info@educationdynamics.com with the alternative contact information you wish to be used.
The Services Are Not for Children
The Services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. In the event that we learn that we have collected Personal Information from a child younger than 13 years old, we will endeavor to delete that information and terminate the child’s account (if any). If you believe that a child under the age of 13 has provided us with personal information without verification of parental consent, please contact us at info@educationdynamics.com.
International Users
The site was created by and is controlled, operated and administered by EducationDynamics, LLC, a Delaware company, or its agents from offices within the United States of America utilizing servers located in the United States of America. We make no representation that materials at this Site are appropriate or available for transmission to or from, or use in, locations outside of the jurisdiction(s) stated above and accessing any Site from any jurisdiction where such Site’s contents are illegal is prohibited. You may not use the Site or export the materials in violation of import or export laws and regulations. If you access a Site from a location outside of the United States, you are responsible for compliance with all local laws. If you are located outside of the United States, please note that the personal data you provide to us will be transferred to the United States. Whenever you submit any personal data to us, you consent to this transfer.
Changes to This Privacy Policy
We may update or amend this Privacy Policy at any time. This Privacy Policy will reflect the date it was last updated or amended. If we make any material amendments, we will notify you by posting a notice of the updated or amended Privacy Policy on the Services. All amendments will take effect immediately upon our posting of the updated Privacy Policy on the Services. Under certain circumstances, we may also elect to notify you of changes or updates to our Privacy Policy by additional means, such as posting a notice on the homepage of the Services or sending you an email. Please check this Privacy Policy each time you use the Services to ensure you are aware of any changes in our practices. Your continued use of the Services will indicate your acceptance of the changes to the Privacy Policy.
Contacting Us
If you have questions or concerns about this Privacy Policy, our information practices, or wish to make a request regarding your information, please contact us at any of the following:

Compliance Department, c/o EducationDynamics, LLC, 111 River Street, 10th Floor, Hoboken NJ 07030 or

Contact us by email at info@educationdynamics.com.
Privacy Policy Scope
This Privacy Policy applies to the collection of information in association with any of the EducationDynamics, LLC websites and online services that link to this Privacy Policy. Some of our services or offerings may be governed by alternative or additional privacy policies. For example:

This Privacy Policy does not apply to our products, services, and offerings for which a separate privacy policy or privacy terms apply. Those products, services, and offerings may include contests, contest entries, contest awards, scholarship applications, and scholarship awards. See the official rules, terms and privacy policy (if applicable) that apply to the specific product or service being offered.

This Privacy Policy does not apply to Other EducationDynamics, LLC websites or online services (if any) that do not link to this Privacy Policy; third-party websites or features to which this Site may link; and information collected by any non-affiliated third party, even if related to this Site or our services or products.
Special Notice to California Residents — Your California Privacy Rights
California’s Shine the Light law provides California residents with the right to receive disclosures about any sharing of their personal information with other companies.

If you are a California resident and you provided your personal information to EducationDynamics, LLC, then, once each calendar year, you may submit a written request for information about the information we shared, if any, with other companies for their use in direct marketing. To submit your written request, please send a written request to:

EducationDynamics, LLC

Compliance Department, c/o EducationDynamics, LLC

111 River Street, 10th Floor, Hoboken NJ 07030

with “Request for California Privacy” in the letter subject line.

You must include sufficient detail for us to locate your file; at a minimum, your name and postal address.

Within 30 days of receiving your request, we will send you a list of the categories of personal information disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties.

We reserve our right not to respond to requests sent more than once in a calendar year, or requests submitted to an address other than the one posted in this notice. Please note that the California Shine the Light law does not cover all information sharing. Our disclosure only includes information covered by the law.
PRIVACY POLICY – CALIFORNIA
This PRIVACY POLICY FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Policy of EducationDynamics, LLC (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). Any terms defined in the California Consumer Privacy Act (“CCPA”) have the same meaning when used in this notice.
Use of Personal Information
This PRIVACY POLICY FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Policy of EducationDynamics, LLC (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). Any terms defined in the California Consumer Privacy Act (“CCPA”) have the same meaning when used in this notice.
The automatic collection technologies we and our service providers may use for this automatic information collection include:
To fulfill the purpose for which the information is provided. For example, if you share your personal information to request info on any schools or programs, we will use that personal information to respond to your inquiry.
To provide you with information, products or services that you request from us.
To provide you with emails, event registrations, and other notices concerning our products or services, or events or news, that may be of interest to you.
To improve our website and present its contents to you.
For testing, research, analysis and product development.
As necessary or appropriate to protect the rights, property or safety of us, our clients or others, or to enforce our Terms of Use.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

We will not collect additional categories of personal information or use the personal information we collected for additional purposes without providing you notice or obtaining your consent where required by law.
Sharing Personal Information
We may sell your personal information to a third party or disclose your personal information for a business purpose. When we disclose personal information for a business purpose, we enter into a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
Category A:
Identifiers.
Category B:
California Customer Records personal information categories.
Category C:
Protected classification characteristics under California or federal law.
Category D:
Commercial Information.
Category F:
Internet or other similar network activity.
Category J:
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
Business purposes may include, but are not limited to:
Auditing such as advertising analytics or auditing legal and regulatory compliance;
Security such as detecting security breaches, protecting against fraud and malicious activity, or taking action against wrongdoers (e.g. fraudsters and hackers);
Debugging such as identifying and fixing technical errors;
Short-term uses including contextual ad customization that does not involve or contribute to profiling;
Performing services such as account maintenance, customer service, or marketing;
Internal research to develop or demonstrate technology; or
Testing or improvement of any service or device “owned, manufactured, manufactured for, or controlled by” the business.
In the preceding twelve (12) months, we have sold the following categories of personal information:
Category A:
Identifiers.
Category B:
California Customer Records personal information categories.
Category C:
Protected classification characteristics under California or federal law.
Your Rights and Choices
The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information. We will disclose the following information to you upon receiving your verifiable consumer request:
The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you.
Our business or commercial purpose for selling or disclosing that personal information, if applicable.
If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
Sales – Identifying the personal information categories that each category of recipient purchased; and
Disclosures for a business purpose – Identifying the personal information categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request that we delete personal information that we collected from you, subject to certain exceptions. We will delete (and direct our service providers to delete) your personal information from our records upon receiving your verifiable consumer request, unless an exception applies.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a request to us by either:

Calling us at 1-888-266-6010
Data Deletion Requests
Data Access Requests
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a request related to your personal information. You may also make a request on behalf of your minor child.

We are not required to provide personal information to you more than twice within a 12-month period.

We cannot respond to your request or provide you with personal information if we cannot reasonably verify your identity or authority to make the request or confirm the personal information relates to you. We will not require you to create an account with us in order to make a request. We will only use personal information provided in a request to verify your identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time, we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically. Any disclosures we provide will cover the 12-month period preceding our receipt of the verifiable consumer request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
Do Not Sell My Personal Information
You have the right to opt-out of the sale of your personal information; however, exercising this right does not affect any of your personal information that was sold prior to the filing of your opt-out request. To exercise your opt-out right, please submit a request.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you through a notice on our website or obtain consent where required by law.