Date Effective: March 20, 2018
1. Information We Collect.
1.1. We collect general types of information about you when you visit and use our website; examples include personal information, demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information.
1.2. Personal information is information that can be used to identify you or any other individual to whom the information may relate. This is information is only collected when you contact us. Such information may include your name, address, telephone number(s), and email address. We only collect this information during the course of communicating with us about an article or other matters on our website.
1.3. Demographic information is information that may or may not be unique to you in the sense that it refers to selected population characteristics. Such information may include, but is not limited to, zip code, telephone number(s) (including mobile phone number(s) and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests. This may be collected during surveys or contests we may run on our website.
1.4. Behavioral information is information pertaining to how you use our website, the areas of our website that you visit, the articles you read, what services you access, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other websites you have visited.
1.5. Third party information is information about you that we acquire from a third party which may include personal, demographic, behavioral and indirect information.
1.7. No Information Collected from Children. We will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have 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, we have no such information to use or to disclose to third parties.
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2. How We Use Information Collected.
Student Loan News is a data controller. We use the information we collect to resolve any questions or issues you bring to our attention; analyze the effectiveness of our website and marketing; or to carry out various business functions. Examples of how that information is used include:
2.1. Marketing Purposes. We use information we collect from you to determine your interests in the articles on our website. If you review or use “Sponsored Content” we use your to track whether your purchased products or services from the Sponsor of such content. In addition, we may use your information to provide interactive features of our website, such as comments, ratings and reviews. We may also use the information we collect to identify service or advertising preferences. We may also use it so we can determine what articles are most popular or what features are most popular. The information we obtain from “Sponsored Content may be used to provide you information about third party products and services which we believe will be of interest to you. This may be done by us or a third party vendor.
2.2. Internal Operations. We also use the information we gather to improve the effectiveness of our website, advertising on our website, customer service and marketing efforts or conduct research and analysis of our marketing and advertisements or to perform other business activities as needed.
2.3. Legal Compliance. We use the information we gather to detect and prevent fraudulent transactions and monitor against theft. In addition we use such information to protect the security and integrity of our website and our business.
3. Information We Share With Others.
3.1. We disclose your information to third parties throughout the world, or combined personal, demographic, behavioral or indirect information, in the following ways:
(i) Sponsored Content Product and Service Delivery. We share your information with third parties who help us in the delivery of the products and services you have requested on the Sponsored Content pages.
(ii) Website Functionality. We share your information with companies and individuals we employ to perform technical functions on our behalf. Examples include third parties who host our website, analyze our data, provide marketing assistance, process credit card payments, and provide customer service.
(iii) Third Party Products and Services. We share your information with third parties who will provide you with their opportunities, products or services. This includes your personal and non-personal information, and includes your interests and preferences, so they may determine whether you might be interested in their products or services.
(iv) Anonymous information. We share aggregated anonymous information about you, combined with other persons using our website with third parties, so that they can understand the kinds of visitors that come to our website, and how those visitors use our website. This includes demographic information and behavioral information.
(v) Legal Process. We disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
(vi) Acquisition or Merger. We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.
4. Collection and Use of Technology Information.
4.2. Web Beacons. A “web beacon” (often referred to as a pixel tag or a clear gif) is a tiny graphic image placed on website pages and in emails, advertising and other marketing communications that allows us or our vendors to determine whether you have performed specific actions. When you access a page, open an email messages, or click on advertising, the web beacon generates a notice of that action to us, or our vendor. We use that information to analyze our marketing efforts and our website effectiveness.
4.3. Google Analytics. We use Google Analytics on our website. In doing so, Google collects and analyzes information about how people use our website, including information about browsing and buying activities. To perform some of these services, they may collect and use information from ours and third party cookies. To learn more about Google Analytics’ privacy practices and any opt-out choices it offers, click here.
4.4. Third Party Advertising. We may use third-party advertising companies to serve ads to you based on the technology information we have collected. These ads may be our or other third party’s ads. As such, we also allow third-party companies to collect certain information when you visit our website site and to use that information to serve or send you their ads for products and services. We may combine and associate the information we collect through these technologies with other information we have collected from and about you.
4.5. Do not Track Signals. At this time, we do not respond to browser “do not track” signals.
5. Security of Your Information.
We endeavor to safeguard and protect your information. When you submit personal information to us, it is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of personal information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. Although we take commercially reasonable technological precautions to protect your personal information, no information transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our website is at your own risk. However, access to your information is strictly limited and not accessible to the public.
7. Third Party Collection Use of Your Information.
Third parties also collect and use information about you on our website in the following ways: Advertiser cookies and web beacons. Advertising agencies, advertising networks, and other companies who place advertisements on our website and on the internet generally may use their own cookies, web beacons, and other technology to collect information about you. We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you.
Hyperlinks and Sponsored Content. Our website contains hypertext links to the website of third parties. We are not responsible for the privacy practices or the content of such other website. Such links are provided for your convenience and reference only. On Sponsored Content such links are to advertisers who place advertising with us. However each has its own policies and terms which govern the collection and use of your information when you reach their website. Please review those terms and conditions as they are different from ours. The inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Please review
When do we collect information?
We collect information from you when you fill out a form or enter information on our site.
How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
• To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested.
How do we protect your information?
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.
We use regular Malware Scanning.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.
All transactions are processed through a gateway provider and are not stored or processed on our servers.
Do we use ‘cookies’?
• Keep track of advertisements.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.
If users disable cookies in their browser:
If you turn cookies off, Some of the features that make your site experience more efficient may not function properly.Some of the features that make your site experience more efficient and may not function properly.
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it’s release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.
However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en
We have not enabled Google AdSense on our site but we may do so in the future.
California Online Privacy Protection Act
According to CalOPPA, we agree to the following:
Users can visit our site anonymously.
Can change your personal information:
• By emailing us
How does our site handle Do Not Track signals?
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third-party behavioral tracking?
It’s also important to note that we allow third-party behavioral tracking
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under the age of 13 years old.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify you via email
• Within 7 business days
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
• Send information, respond to inquiries, and/or other requests or questions
To be in accordance with CANSPAM, we agree to the following:
• Not use false or misleading subjects or email addresses.
• Identify the message as an advertisement in some reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance, if one is used.
• Honor opt-out/unsubscribe requests quickly.
• Allow users to unsubscribe by using the link at the bottom of each email.
If at any time you would like to unsubscribe from receiving future emails, you can email us at
• Follow the instructions at the bottom of each email.
and we will promptly remove you from ALL correspondence.