Disclosure Regarding Collection and Use of Personal Information.
Through the Site, users may enter personal information about themselves. This policy explains our online information collection and use practices and the choices you can make about the way we use and share such information. Please take the time to read and understand this policy so that you can understand how we use your personal information. Please note that our online information collection and use practices may differ from our practices regarding information obtained offline.
REMEMBER: IF YOU MAKE USE OF THE SITE, REGISTER WITH THE SITE, REQUEST INFORMATION THAT WE MAY OFFER OR SUBMIT INFORMATION IN ANY WAY TO OR THROUGH THE SITE YOU AGREE TO THESE TERMS. AS WE UPDATE AND EXPAND OUR SERVICES, THIS POLICY MIGHT CHANGE, SO PLEASE REVIEW IT FROM TIME TO TIME.
The Information We Collect.
We may collect information about you through a variety of methods, such as your participation in games, quizzes, contests, chat rooms, forums or the like or other documents that you submit to us, transactions in which you may engage with us or our affiliated companies, or through visits that you may make to the Site. This policy applies to all personally identifiable information that we collect and maintain about our users, including any contact information (e.g., name and address), financial information (e.g., account and credit history), federal loan history information (e.g., loan amount, loan type, school and lender) or identifying information (e.g., social security number, date of birth) that we may obtain in connection with providing services. You may view or change your information at any time by contacting us.
Other Collected Information
We also may collect certain non-personal information (i.e. generic information that does not identify you personally) when you visit any of our web pages such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using, (e.g., Windows '98 or Mac OS), the IP address you are using to connect to the Site and the domain name of your Internet service provider (e.g., America Online or Earthlink).
How We Use Your Personal Information.
We use your personal information to provide you with products or services that you have requested, to respond to questions or communications and to get in touch with you when necessary. For example, we may use your personal information to communicate with you or to send you information that you have requested. Except as otherwise set forth on the Site, in addition, we may send to you an e-mail offering products or services which we think you may be interested in or to ask you to participate in a survey. We do not consider any companies that are within our "family" of companies to be "third parties" for purposes of this policy. Thus, we may also share personal information provided online with companies affiliated with or owned directly or indirectly by our parent company, Carnegie Dartlet LLC. ("Carnegie"). Any of these companies may use and further share this information in the same ways we do. However, if we pass on personal information to a family company, we require that it protect such information in a manner that is consistent with this policy and your expressed preferences. For example, a family company may send to you an e-mail regarding special offers and announcements about products or services that it thinks might be of interest to you. A family company may also contact you offline. If you want to opt-out from our (or a family company) using the personal information you provided in these ways, please contact us.
Updating or Removing Your Personal Information.
Please contact us at any time to update or change your personal information.
How We Share Your Personal Information.
We will not share with third parties the personal information you provide except (a) if it is for the purpose(s) you provided it; (b) with your consent; (c) as may be required by law or as we think necessary to protect our company or others from injury (e.g. in response to a court order or subpoena, in response to a law enforcement agency request or when we believe that someone is causing (or about to cause) injury to or interference with the rights or property of another); (d) with other persons, service providers or companies with whom we contract to carry out internal site operations or our business activities (for example, sending out a product or a promotional item that you have requested on the Site); and/or (e) notifying you when we make material changes to one of our subscriber agreements or this policy. Examples of us sharing your personal information for the purposes submitted are if you participate in a third-party survey or request information from a third-party, we may provide the information provided to such third party so that they can send to you directly the information you requested. We will seek to obtain your consent at the place where the information is collected either by an "opt-in" or "opt-out" method, or by other means (such as sending to you an e-mail). As stated above, we do not consider any companies that are within our "family" of companies to be "third parties" for purposes of this policy and may also share personal information provided online with companies affiliated with or owned directly or indirectly by Carnegie. Any of these companies may use and further share this information in the same ways we do. However, if we pass on personal information to a family company, we require that it protect such information in a manner that is consistent with this policy. If you want us to stop sharing your personal information among Carnegie-owned companies, please contact us.
Additionally, with your consent, we may share the personal information you provide online with companies not affiliated with us (i.e. third party companies) who are interested in marketing their products or services to you or in asking you questions, both online and offline. We will seek to obtain your consent either by an "opt-in" or "opt-out" method, or by other means (such as sending to you an e-mail). Companies with whom we might share your personal information may include consumer products, telecom, financial, military, market research, entertainment, and educational services companies and their third party service providers. If you want us to stop sharing your personal information with these companies, please contact us. If you consent to receiving communications from non-affiliated companies, you may need to communicate with them directly if you later decide that you no longer wish to receive their communications or if you wish to change any data you provided online. In this instance, any changes or amendments to your personal information must be given directly to each company who communicates with you as these changes, amendments and/or deletions will not be exchanged between us and non-affiliated companies.
If we do share personal information with a non-affiliated company, to the extent practical, we require that they protect such information in a manner that is consistent with this policy. We cannot, however, guarantee how these non-affiliated companies will use your personal information.
Use and Disclosure of Anonymous Information.
We sometimes use the non-personal information that we collect to improve the design and content of the Site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze how the Site is used, as well as to offer you products, programs or services. Sometimes we share aggregate information with others, including affiliated companies and non-affiliated companies.
Receipt of Communications; Opt-Out.
If you would prefer not to receive marketing or promotional e-mails from us that may relate, for example, to new services or offerings, you may opt-out of receiving these communications by clicking here to (i) deregister your account; or (ii) change or edit your preferences. You may also use the opt-out mechanism that is contained in an email.
If you would like to opt-out of receiving marketing or promotional postal mail from us, please clicking here or let us know in writing via letter addressed to: Attn: Privacy Carnegie Communications LLC 2 LAN Drive, Suite 100, Westford, MA 01886. For all postal mail opt-out requests, please include your name, street address, city, state, and zip code. We cannot accept postal mail opt-out requests via telephone or facsimile, nor will we be responsible for notices that are not labeled or sent properly or lack complete information. Please note that we may require up to sixty (60) days to fully remove your postal mail information from our mailings.
Following your opt-out, please be aware that we, or our affiliates, may continue to contact you via email or postal mail for administrative or informational purposes, including, but not limited to, follow-up messages regarding the administration of your account, any services, features or functions you have affirmatively enrolled in or registered to use, any promotions or sweepstakes you have participated in or have entered, goods, services or products you have ordered or other transactions you have undertaken on the Site.
Collection of Information By Others.
To enhance your online experience with us, many of our web pages use "cookies." Cookies are text files placed on your hard disk by our web server to store your preferences. Cookies, by themselves, do not tell us your e-mail address or other personal information unless you choose to provide this information to us. However, once you choose to provide the personal information, this information may be linked to the data stored in the cookie. Cookies cannot be used to run programs or deliver viruses to your computer.
As you use the Internet, a trail of electronic information is left at each web site you visit. This information, which is sometimes referred to as "Clickstream Data," can be collected and stored by a web site's server. Clickstream Data can tell us the type of computer and browsing software you use and the address of the web site from which you linked to the Site. We may use Clickstream Data as a form of non-personal information to anonymously determine how much time visitors spend on each page of the Site, how visitors navigate throughout the Site and how we may tailor our web pages to better meet the needs of visitors. This information will only be used to improve the Site. Any collection or use of Clickstream Data will be anonymous and aggregate.
From time to time we may supplement information you give us with information from other sources, such as information validating your address. Thus, information we obtain through the Site may be intermingled with and used in conjunction with information obtained through sources other than the Site, including both offline and online sources.
Discussions and Community Tools.
We may, from time to time, make review lists, chat rooms, forums, message boards, blogs, newsgroups and other community tools available to you. Please remember that any information that is disclosed in these areas becomes public information for other users to view and for us to use. For example, from time to time, we may use the content you write (including your name or screen name if you post it) for promotional purposes, in e-mail newsletters or elsewhere, and by using the Site and/or these chat rooms, forums, message boards, news groups, and other community tools, you agree that we may do so. You should exercise caution when deciding to disclose your personal information in these areas, since anyone - not just us - may access your publicly posted information.
Our Commitment to Security.
We believe we have in place the appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security and correctly use the information we collect online. Whenever personal information is passed on to non-affiliated companies, to the extent practical, we require that they also have in place the appropriate safeguards. We cannot, however, guarantee that they do so.
How You Can Access or Correct Your Personal Information.
For instructions on how you can access the personal information that we have collected about you online, or how to correct any errors in such information, please contact us.
To protect your privacy and security, we will take reasonable steps to help verify your identity before granting access or making corrections.
Special Note for Parents.
We will not knowingly accept personal information from anyone under 13 years old in violation of applicable laws. If you believe that your child under 13 has gained access to the Site without your permission, please contact us. We have taken commercially reasonable steps to restrict use of the Site to those who are at least 13 years old. We do not market products or services for purchase by children and all children's products or services we market are for purchase by adults only, or with adult permission.
Transfer of Business Assets.
The personal information you provide is considered a company asset and may be included among transferred assets if the Site, we, or parent(s) or any or all of our subsidiaries or affiliates or any of our assets are ever acquired by a third party.
Changes to this Policy.
Because our business needs may change over time, we reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time. If at any time in the future we plan to use your personal information in a way that differs from this policy, we will revise this policy as appropriate. Your continued use of the Site following the posting of any changes to this policy means you accept such changes. This policy is effective as of 7/21/2011.
How to Contact Us.
c/o Carnegie Dartlet LLC
2 LAN Drive, Suite 100
Westford, MA 01886