Center For Student Loan Relief (hereinafter "Company") is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains what Company does to keep information about you private and secure. All Center For Student Loan Relief employees and agents are strictly held to the standards outlined in a Confidentiality Policy, which includes appropriate disciplinary action for knowingly or unknowingly revealing information of a confidential nature. This Policy covers only information that you provide to Company or that it obtains about you from companies that you have chosen to do business with. Please read this Policy carefully and contact us if you have any questions.
Information Collected
When we need to collect personally identifiable information from you to execute the requested transaction or provide you with a particular service, we will ask you to voluntarily supply us with the information we need. We will ask you for information such as, but not limited to: name, address, telephone number, email address, and demographic information (such as income level and gender) to process your submission. In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal, we will use the contact information to keep you updated about future offers or promotions unless you opt-out online or otherwise notify us. This information may be collected from, but not limited to, the following sources:
- Our communications with you, including information obtained when you register for a Company service or otherwise
- Your transactions with us, our affiliates, or others;
- Outside companies, such as consumer reporting agencies, to evaluate your creditworthiness and credit history;
- Public sources, such as bankruptcy records and real estate records
Use of Information
Contact information from the forms is used to respond to inquiries, provide information about our company, to create personalized plans, make referral to services for help with issues identified during counseling and to assist you in making payments. Your contact information is also used to get in touch with you when necessary. We may disclose some or all of the information that we collect to creditors, related financial institutions or third parties that you have authorized who need this information in order for us to assist you after a counseling session. We use your IP address to help diagnose problems with our server and to administer our website.
We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out. We may disclose such information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services, or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or our business assets to another provider. We Reserve The Right To, Share, Sell, Rent Or Otherwise Transfer/Disclose Your Personal Information To Third Parties For Any Purpose In Our Sole Discretion In Accordance With Applicable Laws.
By carrying out those services, we may disclose your information, as we see fit and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services.
We may use this personally identifiable information for auditing, research and analysis to operate and improve Company’s technologies and services. We may change or broaden the use of your personal information at any time. We may use your personal information to provide customized content, promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.
Company may also share aggregated information that does not identify you, the consumer, with outside companies. “Aggregated Information” refers to information the Company gathers by aggregating non-personally identifiable information to provide summaries of use of the website. The aggregated information is used to show usage patterns and to do such things as negotiate with vendors of internet services. Such Information is not linked to the consumer’s personal information.
Your Choices/Opt-out
We offer you choices when we ask for personal information, whenever reasonably possible. We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes. By providing information to Company you are consenting to the collection, use and disclosure of such personal information in the manner described in this privacy policy. We provide you the opportunity to withdraw your consent when such information is collected however the ability to effectively deliver some services is dependent upon the ability to disseminate information regarding your financial and educational plans. You may be informed of this upon choosing to Opt Out.
Such consent may be withdrawn by calling the telephone number provided below or may be done in writing/email and sent to our customer service department at the following physical address or email address:
SMS/Text Messages
By providing your cellular phone number you are opting-in to receive information including alerts and updates about your situation and account via mobile and email messages from Center For Student Loan Relief. Data obtained from you in connection with this service will be kept private and used for internal purposes only.
Standard text and data rates may apply. I understand I can opt-out at anytime by sending “STOP” to the SMS text message you have received. To request help please send “HELP” to the SMS text message you have received. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an “as is” basis. I understand that opting out may prevent me from receiving some or all services that rely upon communication for effectiveness.
Email Communications
By providing your email address(es) you consent that we may send email messages to the email address(es). Please add info@creditadvisors.org to your safe sender list or email address book. Email services are provided on an “as is” basis. If you wish to unsubscribe or review/change your email subscription options please follow the instructions included in the email you received. I understand that opting out may prevent me from receiving some or all services that rely upon communication for effectiveness.
Service Providers
We require the use of outside companies, other third parties, to provide certain services including clerical and information processing and shipping services. When you sign up for our services, we will share only as much information as is necessary for the provision of those services. We require that all third parties, hired by Company, to comply with our Privacy Policy in order to keep your information safe and secure.
These third parties are prohibited from using or sharing your personally identifiable information for any purpose other than the job they were hired to do or in compliance with their own privacy requirements once you become a customer of theirs.
Securing the Transmission and Storage of Information
The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. We maintain physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to prevent ID theft. Company processes personal information on servers in the United States and in other countries. Access to information about you is restricted to authorized employees obtaining the information for business purposes.
Our site uses SSL (Secure Sockets Layer) security technology to encrypt information you provide to us through the site when entering sensitive information (such as credit card number and/or social security number) on our registration or order forms. This ensures that your information is encrypted as it travels over the Internet. SSL is an industry-standard protocol for encryption over the internet.
After information reaches Company, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of Company. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted) Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security
Access to Personally Identifiable Information
The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. We maintain physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to prevent ID theft. Company processes personal information on servers in the United States and in other countries. Access to information about you is restricted to authorized employees obtaining the information for business purposes.
How We Protect Your Information
We train our employees to protect all customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure.
Legal Disclaimer
We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, or to protect the property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.), and to ensure the security of our network and services.
Enhancement of Information
We may obtain marketing data from third parties and add it to our existing user database, to better target services and to provide pertinent programs and assistance which we think you would be appropriate for your situation.
Business Transitions
In the event Company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Website for 30 days of any such change in ownership or control of your personal information.
Changes to this Privacy Policy
We reserve the right to modify this Privacy Policy at any time. We will not jeopardize your privacy. The provisions contained in this Privacy Policy supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this Privacy Policy.
We encourage you to check our site frequently to see the current Privacy Policy to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the Privacy Policy, we will post those changes to this Privacy Policy, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.