Please read this entire Policy carefully before using this Site or providing us with any information. When you access or use this Site, you consent to the collection, use and disclosure of your information in accordance with this Policy. By providing personal information to the Site, all Users fully understand and consent to the collection, use and processing of such information by CHALLENGESTUDENTDEBT.COM or third parties as set forth herein. If you do not agree to the terms of this Policy, you are not authorized to use the Site.
CHALLENGESTUDENTDEBT.COM offer programs to help consumers with their debt. Challengestudentdebt only suggests programs that could provide benefit to their financial situation.
Links to Third Parties
No Use of This Site by Persons Under 18 Permitted
This Site is not directed at persons under the age of 18. Persons under the age of 18 must not send any personal information to CHALLENGESTUDENTDEBT.COM under any circumstances, including but not limited to name, address or email address.
Information We Collect
You may be required to provide “personal information” to access or use certain parts of our Website or features of the Site. If you do not provide the requested personal information, you may not be able to access or use the features of the site where such information is requested. We may ask you for personal information, which includes information that pertains to your identity, that we or certain of our participating third party partners consider necessary for performing a preliminary evaluation of your qualifications to receive applicable products and/or services. Such information may include, but is not limited to, items such as: your name; address; e-mail address; telephone number; fax number; age; gender; information about your interests in and use of various products, programs, and services; education level; educational interests; home owner status; income; debt level; current mortgage; mortgage rate and the like and other information that does not identify you. In addition, we may collect certain information regarding the number and type of products and/or services you have responded to and completed.
Third Party Cookies
Notwithstanding anything else in this policy, we or a data provider we have engaged may place or recognize a unique cookie on your browser to enable you to receive customized ads or content. These cookies contain no personally identifiable information. The cookies may reflect de-identified demographic or other data linked to data you voluntarily have submitted to us, e.g., your email address, that we may share with a data provider solely in hashed, non-human readable form. To opt-out of these cookies, please go to http://www.aboutads.info/choices.
When you visit our Website, we track internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp and number of clicks to analyze trends and administer the Site, track user’s movement in the aggregate and gather broad demographic information for aggregate use. We use your IP address at times to help identify you as you browse and to gather broad technical and demographic information on who uses the Site.
We may use standard internet technology, called Web Beacons (also called clear gifs, pixel tags) that are tiny graphics with a unique identifier that are used to track online movements. Unlike cookies which are stored on the user’s computer, a web beacon is embedded invisibly on a webpage (or email). Web beacons help us better manage content through the service by informing us what content and which campaigns are effective. This allows us and our participating third party partners to gauge the effectiveness of marketing campaigns by showing how many emails the recipients have opened or by sending/receiving an anonymous identification number when you travel to a site from an online advertisement. We do not tie clear gifs to personally identifiable information.
How We Use Your Information
In general we may use information we collect about you to:
-Provide the products and services that you have requested;
-Perform research and analysis about your use of, or interest in our products, services, content, or the products, services, or content offered by third parties;
-Communicate with you via email, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us or third parties;
-Develop and display content and advertisement tailored to your interests on our site and other sites;
-Verify your eligibility to receive products and/or services;
-Enforce our Terms of Service;
-Manage our business; and Perform functions as otherwise described to you at the time of collection.
For example, we may compare and review your personal information for errors, omissions, and accuracy based upon past usage and response; or compare your information against other publicly available files; or validate some of the personal information to verify that the information you submitted has a high probability of being valid information. Based upon your affirmative consent, as evidenced by your clicking on the applicable “submit” button, acknowledgment box, and/or your registration on a Site, we may use the information you provide to attempt to match you with providers of products and services (for example, using your zip code to check for service providers whose service area covers your location) and/or we may forward the information that you provided directly to certain of our third party partners.
Email and Telephone Calls: From time to time, we may contact you via e-mail advertising, telephone marketing, direct mail marketing, or other means to inform you of additional opportunities to receive special offers for other services and/or products that we believe may be of interest to you. By providing your contact information when using our service, you are entering into a business relationship with CHALLENGESTUDENTDEBT.COM and are further requesting, and expressly consenting to, being contacted by CHALLENGESTUDENTDEBT.COM via telephone, fax, email, surface mail, or any other means, at any of your contact numbers or addresses, even if you are listed on any federal, state or other applicable “Do Not Call” list, in order that CHALLENGESTUDENTDEBT.COM may provide the services set forth on the Site or for other purposes reasonably related to your service request and the business of CHALLENGESTUDENTDEBT.COM, including marketing-related emails. You are under no obligation to accept any service or product offered through these communications. If you no longer wish to receive any e-mails from us, or if you want to modify your personal data or want your personal data removed from our database, you may cancel your registration at anytime and you may OPT OUT by following the opt out instructions provided herein.
In order to provide the products or services you have requested, we may disclose the information we collect to companies that facilitate or provide elements of our service on our behalf, including without limitation, credit card processors, email management firms, and call center providers.
We may also disclose your personally identifiable information when required by law, such as in response to a subpoena, court order, or other legal process, or to prevent imminent harm to any person or entity. We will fully cooperate with law enforcement agencies in identifying those who use our services for illegal purposes.
How We Protect Your Privacy
We follow generally accepted industry standards to protect the personal information submitted to us. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee the security of any information you disclose online. By using this site, you expressly acknowledge and agree that we do not guarantee the security of any data provided to or received by us through this site and that any personal information, general information, or other data or information received from you through the site is provided to us at your own risk, which you expressly assume. If you have any questions about security on our Web site, you can mail us at the address indicated above in the Contact Us section. Our third party partners are required to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the FTC. If we learn that any of our third party partners is breaching our agreement, we will take corrective actions including, if necessary, terminate our relationship with such third party partner.
If you wish to opt-out from receiving additional email offers, advertisements and promotions relating to this Site, please click on this link to “opt-out”. If you choose to opt-out, your e-mail address will be added to the suppression files associated with this Site within ten (10) business days of your request. Thereafter, you should not receive any further email offers, advertisements and promotions from this Site. However you may still receive promotional communications from our third party partners with whom we have shared your information. To stop receiving further communications from these third party partners you will need to contact them directly in order to opt-out. Please note that after we process your request to opt-out from receiving additional email offers, advertisements and promotions from this Site, we will no longer make your information available to our third party partners relating to this Site.
Special Notification for California Residents
Individual customers who reside in California and have provided their personal information may request information regarding disclosures of this information to third parties for direct marketing purposes. Such requests must be submitted through our Contact Us instructions.
Notification of Intellectual Property Rights Infringement
We are committed to uphold and respect intellectual property rights. If you are an intellectual property owner and believe that your rights have been infringed by materials on this webpage, please refer to the Contact Us section and we will ensure that your issue will be addressed by the appropriate parties within CHALLENGESTUDENTDEBT.COM. Please provide the following information in your correspondence to us: your name and contact information, identification of the copyrighted work claimed to be infringed, identification of the material that is claimed to be infringing, and sufficient information for us to locate the material. Please include with your correspondence, (i) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by you (copyright owner), your agent, or the law; (ii) a statement that the information you provided is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.