Privacy Policy

The Information We Collect and How We Use That Information

  Self-Reported Data. During your interactions with the Site, including when you provide any self-reported information, the Company collects personally identifiable information or other nonpublic personal information from you. The type of self-reported information we may collect includes, without limitation: First and Last Name; City; State; Address; Zip Code; Phone; Email Address, Last College Attended, Date of Birth and Social Security Number (used only to look up your loans information in the National Student Loan Data Base System).

We collect self-reported personally identifiable information or other nonpublic personal information from you in order to, among other things, provide you with the services and/or products offered by the Site, including, without limitation, student loan consolidation services provided by unrelated third parties ("Third Parties").

  Electronically Produced Data.

  Cookies. The Company may use cookies and other tools to collect information about how you use the Site. A cookie is a small, unique text file that a website can send to your computer hard drive when you visit a site. We use both session cookies, which terminate when a user closes his or her browser, and persistent cookies, which remain on the user's computer until manually deleted. Most web browsers can either alert you to the use of cookies or refuse to accept cookies entirely. If you do not want the Company to deploy cookies in your browser, you can set your browser to reject cookies or to notify you when a website tries to put a cookie on your computer. Rejecting cookies may affect your ability to use the Site.

  Action Tags. We may employ a software technology called action tags (also known as "web beacons", "single pixel gifs", "clear gifs" or "web bugs"), which are similar to cookies, in order to gather information about the Site. Action tags help us identify and track the performance of web pages on the Site, therefore allowing us to measure the performance and quality of the Site and to manage Site content. In addition, the Company, its advertisers and/or Third Parties may use action tags in emails. This allows us to gauge the effectiveness of certain communications and the effectiveness of marketing campaigns by showing, for example, how many emails have been opened.

  IP Addresses. An IP (Internet Protocol) address is a number that is assigned to your computer when you use the Internet. The Company collects IP addresses and other technical information about your machine through your web browser such as your operating system, browser type and referring URL for the purposes of, among other things, system administration, to report aggregate information to our advertisers and others, and to ensure the validity of user requests.

  Log Files. Like most standard website servers, we gather certain information automatically and store it in log files, which contain information such as, among other things, IP addresses, browser type, operating system, ISP, date/time stamps and referring pages. Among other things, this information allows us to track statistics and trends on an aggregate basis.

Disclosure of Information to Nonaffiliated Third Parties Other than Service Providers

  The Company may disclose all of the information described above under the heading "The Information We Collect and How We Use That Information" (collectively, the "Personal Information") to other market participants that provide and/or that market consumer services and/or products. These nonaffiliated third parties may include, but are not limited to: (i) Third Parties outside of our network (i.e., outside of the Third Parties that we have contracted with to provide your Personal Information in connection with the student loan consolidation services offered by the Site) or within our network but for purposes other than the student loan consolidation services offered by the Site, which Third Parties may include financial service providers such as brokerage and insurance companies; (ii) retailers; and (iii) direct marketers, including without limitation e-mail marketers. These nonaffiliated third parties may compensate us for your Personal Information and we may be compensated by Third Parties within our network for your Personal Information. The Company may also disclose your Personal Information and/or aggregate, anonymous, statistical data, such as usage, traffic patterns and user demographics based on your Personal Information, to investors and potential investors, business partners and others.

  We also may disclose Personal Information about you to nonaffiliated third parties as permitted by law, which includes disclosures to service providers as described in the next section. Disclosure permitted by law includes, without limitation, disclosure to Third Parties that may contact you regarding a service or product offered by the Site. (To the extent disclosure of your Personal Information to Third Parties is not permitted by law, by submitting any self-reported personal information to the Site, you consent to the disclosure of your Personal Information to Third Parties).

  You may opt out of the Company's disclosure of your nonpublic personal information to nonaffiliated third parties (other than disclosures permitted by law, which includes disclosures to service providers) by following the instructions in the "Opt Out Notice and Opportunity to Opt Out" section of this Privacy Policy.

Disclosure of Information to Service Providers

  In order to provide you with the services and/or products offered by the Site, including, without limitation, student loan consolidation services, you may be contacted by telephone by a call center that will verify your self-reported information and will confirm that you are interested in loan consolidation services and/or by Third Parties that we have contracted with to provide your Personal Information in connection with the student loan consolidation services offered by the Site. The Company may disclose all of the information described above in the section titled "Self-Reported Data" under the heading "The Information We Collect and How We Use That Information" to such persons for such purposes.

Maintenance of Information and Security

  We maintain physical, electronic and procedural safeguards to safeguard the confidentiality and security of your nonpublic personal information. We utilize what we believe to be industry standard security measures to protect the loss, misuse and alteration of the information under our control, and we limit access to your nonpublic personal information within our organization to those employees who need to know the information to provide services and/or products to you. However, due to the nature of the Internet, computer networks, systems and other factors, no transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of the Company to intercept or access transmissions or private communications unlawfully, regardless of our best intentions. As such, we cannot ensure or warrant the security of any information you transmit to us.

Other Information

  Consent to Receive Notices Via the Site. By submitting any self-reported information to the Site, you are agreeing that the Company may deliver all privacy and opt out notices to you electronically, via the Site or other electronic means.

  Links. The Site may contain links to third party sites at which your personal information is collected and used. Your visit to any third party website is governed by the privacy and other policies applicable to that site. The Company cannot control nor is it responsible for any such third party collection or use of your personal information or the content or policies of such sites, and the Company expressly disclaims any liability related to such sites.

  Chat Rooms and Newsgroups. The Site may offer chat rooms, newsgroups or other forums which permit users to interact online. Any information you transmit online in such forums will be made public and the Company cannot control nor is it responsible for the use any third party may make of such information.

  Privacy Policy Changes. The Company reserves the right to change this Privacy Policy at any time at its sole discretion. All Privacy Policy changes will be posted on the Site. Consequently, we recommend that you visit and review this Privacy Policy frequently. The last date on which this Privacy Policy has been updated is noted below.

  Limitation of Liability. YOU UNDERSTAND AND AGREE THAT ANY DISPUTE OVER PRIVACY IS SUBJECT TO THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY AND OUR TERMS OF USE (INCLUDING ANY LIMITATIONS ON DAMAGES CONTAINED THEREIN). TERM OF USE

  Special Notification for California Residents. California Civil Code Section 1798.83 permits individuals who reside in California and use our Site for private, family or household purposes to request information about our disclosures of certain categories of personal information to third parties for their direct marketing purposes. Such requests must be submitted to us at the email address provided below. Within thirty days of receiving such a request, we will provide 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. This request may be made no more than once per calendar year. We reserve our right not to respond to such requests submitted other than to the address specifically referenced in this Section.

  Company Contact Information. If you have any questions or comments regarding this Privacy Policy, please email us at info@governmentloanservices.com.

Opt Out Notice and Opportunity to Opt Out

  As described above under the heading "Disclosure of Information to Nonaffiliated Third Parties Other than Service Providers," we may disclose your Personal Information to nonaffiliated third parties. If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties (other than disclosures permitted by law, which includes disclosures to service providers), you may opt out of those disclosures at any time, whether before or after you provide us with any nonpublic personal information. In other words, you may direct us not to make disclosures of your nonpublic personal information to nonaffiliated third parties (other than disclosures permitted by law, which includes disclosures to service providers).

  Please be advised that if you resubmit nonpublic personal information to us after you elect to opt out, you will have to submit a new opt out request with respect to the resubmitted information. Also, once we provide your Personal Information to a nonaffiliated third party, we cannot control how those third parties will use your Personal Information. Therefore, your opting out of our ability to disclose your nonpublic personal information after we have already disclosed the information to a third party will not affect the third party's use of such information.

  If you wish to opt out, please click here.

Last Updated on May 1, 2007

PLEASE RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.