of the normal operation of our service and how that information may be used, with whom it may be shared, and
your choices about such uses and disclosures. If you have questions about our privacy practices, please refer
findingadegree.com ("findingadegree.com", "we", "our" or "us"), including, but not limited to,
controlled by findingadegree.com and not to websites maintained by other companies to which we may link.
Links to Third Parties
For your convenience and to improve the usage of the website we may insert links to third parties on this
service and off our Site and are beyond our control. This includes links from partners that may use
findingadegree.com’s logos as part of a co–branding agreement. The sites that such links may direct
activities of those sites. Your visits and access to such websites is at your own risk. Please note that
third parties’ sites may utilize their own cookies with users, collect users’ data, and/or solicit users’
All activities in which you may engage on this website are voluntary. You are not required to provide any
personal information to us unless you choose to access features on this site which require the information.
immediately exit this website and discontinue using the Site. If you do not agree with the terms of our
Website. The Terms of Service of this Site are expressly incorporated herein by reference and made a
well as to our Terms of Service.
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 findingadegree.com under any circumstances, including but not limited
to name, address or email address.
Your Privacy is Important to Us
you disclose to us, including how we may provide your information to our third party partners who
have expressed a willingness to provide you with the products and services associated with this Site.
Who We Are?
We are an online consumer service that introduces consumers such as yourself to certain of our
participating third party partners who have expressed a general willingness to review your information
and determine if they are willing to provide you with the services or products that prompted your
visit to our Site.
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; credit card information; social security number; date of birth; 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. We may also use your personal information
to obtain additional information about you such as your credit score and/or your credit report to
improve our matching service for you. In addition, we may collect certain information regarding the
number and type of products and/or services you have responded to and completed.
your access to our Site and to personalize your online experience. A cookie is a small text file that is
stored on a user’s computer for record keeping purposes. We use both session cookies, which terminate
when a user closes his/her browser, and persistent cookies, which remain on the user’s computer
until manually deleted. You may decline our cookies if your web browser software permits, although this
may prevent you from accessing certain features of the Service.
our Site. When you visit our Site, we track certain non personally identifiable information with respect to
your behavior on the Site. This non–personally identifiable information may include the Internet address
or URL that you just came from and the URL to which you go next; the links you click; any searches
you conduct on our site; your computer browser information; your IP address; and/or other actions
you conduct while on our Websites. We use this non–personally identifiable information in conjunction
with some of the information that you provided to conduct internal research on users’
demographics and behavior and to better understand how to serve users, such as yourself, of the Site.
The aforementioned information cannot, by itself, be used to gather any personally identifiable information
about you, but it will allow us to track the overall effectiveness of our online advertising campaigns.
Third parties may also set cookies on or through the service to track Site usage and to track the
overall effectiveness of our online advertising campaigns.
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 or
web bugs) 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
How We Use Your Information
General: 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,
acknowledgement box, and/or your registration on a Site (i.e., your submission of the requested
information, including your personally identifiable information), 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.
Use for Research: We reserve the right to collect information about you and store it in connection with
other online or offline information we may possess or obtain about you to create a general user profile.
This profile may be created by combining your information with other sources of information such as
information obtained from public databases, or from your browsing habits surrounding your visit to this Site.
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
findingadegree.com and are further requesting, and expressly consenting to, being contacted by
findingadegree.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 findingadegree.com may provide the services set forth on the Site or for other
purposes reasonably related to your service request and the business of findingadegree.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.
Company may make available a service either directly or through third parties by which you can receive
messages on your wireless device via short message service ("SMS Service"). Your provider’s
standard data and messaging rates apply to all SMS correspondence. All charges are billed by and
payable to your mobile service provider. You represent that you are 18 years of age and the owner or
authorized user of the wireless device on which messages will be received, and that you are authorized
to approve the applicable charges.
Program subscribers may opt out of the SMS Service by replying with the keyword "STOP", "END", or
"QUIT" to the SMS text message received or use the convenient Mobile Unsubscribe link on this website.
This process impacts only the future delivery of Company’s SMS message offering and will not unsubscribe
you from other SMS programs to which you may have subscribed. Program subscribers may receive
assistance for the SMS Service by replying with the keyword "HELP" to the message received.
Data obtained from you in connection with this SMS Service may include your name, address, cell
phone number, your provider’s name, and the date, time, and content of your messages. The use of this
wireless account invoice, Company may provide your carrier with your applicable information in
connection therewith. Your wireless carrier and other service providers may also collect data about
your wireless device usage, and their practices are governed by their own policies. You acknowledge
and agree that the SMS Service is provided via wireless systems which use radios (and other means)
to transmit communications over complex networks. Company 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. Company is not responsible for
incomplete, lost, late, damaged, illegible or misdirected mobile messages or for any technical
problems, malfunctions of any telephone lines, computer systems, servers, providers, hardware/software,
lost or unavailable network connections or failed, incomplete, garbled or delayed computer
transmission or any combination thereof. Company is not responsible for any liability for damage
to any computer system resulting from participation in or accessing or downloading information in
connection with this program. Company assumes no responsibility for undeliverable mobile
messages resulting from any form of active or passive mobile filtering by a user’s mobile provider
or for insufficient space in user’s mobile phone account to messages. Company reserves the right,
in its sole discretion, to cancel or suspend this program should a virus, bugs, or other causes
beyond the control of the Company corrupt the administration, security or proper operation of
the program. Company does not guarantee that your use of the SMS Service will be private or secure,
and Company are not liable to you for any lack of privacy or security you may experience. You are
fully responsible for taking precautions and providing security measures best suited for your situation
and intended use of the SMS Service.
Financial Information: To the extent that we collect your credit card information, we will use the
information to verify your identity and/or for transmitting the information to the participating third party
partners authorized by you for the purpose of completing your requested transaction. Your credit card
information will be encrypted during transmission. In addition, by submitting your credit card
information to us, you agree that we and/or our third party partners may verify your credit card account,
and you authorize us and/or our third party partners to charge, and thereafter immediately credit, a
small sum to the card. Such verification may be conducted through a third–party service provider
and, in that case, we would share your specific credit card information with this third–party provider
for verification purposes. Notwithstanding the foregoing, we reserve the right to share with
third–parties the fact that we have credit card information on file for specific users.
In the event we offer product and/or services where your credit card information is required to
process your requested transaction, we will store your credit card information to facilitate your
WE MAY USE INFORMATION THAT WE HAVE COLLECTED FOR ANY LEGALLY PERMISSIBLE
PURPOSE, INCLUDING SELLING OR TRANSFERRING SUCH INFORMATION AT ANY TIME TO
THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE PURPOSE. For example, we may share your
personal information with third party partners so that they can contact you and offer you products
and/or services that we and they believe might be of interest to you. This may include, but is not
limited to, e–mail advertising, telephone marketing, and direct mail marketing. You are under no
obligation to accept any service or product offered by any of our third party partners through
these communications. By providing personal information when using the Sites, you are entering
into a business relationship with findingadegree.com’s third party partners and are requesting, and
expressly consenting to, being contacted by our third party partners 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 our third party
partners may provide the services set forth on the Site or for other purposes reasonably related
to your service and/or product request to which you have expressed interest and the business of
our third party partners, including marketing–related emails.
PLEASE NOTE: submission of YOUR telephone number(s) and a best time to be called is YOUR
authorization and request to be called at the telephone number(s) YOU provide.
We may disclose your personally identifiable information for the purpose of the transfer or sale of
personally identifiable information pursuant to the sale of our business or assets. If we transfer
ownership of the Site to another company, we will notify you by general notice on our Site. We
may also transfer or share non–individualized information, such as summary or aggregated
anonymous information about all persons or sub–groups of persons visiting this Site. In addition,
we may maintain separate e–mail, mailing or phone lists for different purposes based on the
information that you submitted and that we maintain.
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 use external service providers to obtain your credit score and credit report in conjunction
with your loan information request.
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
In order to protect both the personal information and the general information that we receive from
you through our website, we have implemented various security measures. As an initial matter, any
financial information (i.e. credit card information) transmitted to our servers via a secure server is
encrypted using Secure Sockets Layer ("SSL") technology. SSL is a protocol that transmits your
communications over the Internet in an encrypted form. The protocol ensures that the information is
sent, unchanged, only to the server you intended to send it to.
Risk of Interception
Once your Financial Information reaches our server, it is protected by a firewall. In addition to
encryption and firewall protections, 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
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. For example, third parties
may unlawfully intercept personal data or access our servers and obtain personal data. 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 below in the Contact Us section.
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 (e.g. Mortgage, Education etc.) 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.
will remain in effect except with respect to any of its provisions that are changed in the future, in which
case the changes will become effective on the date they are posted on the website or we otherwise notify
policy periodically as its terms may change from time to time. Your continued use of the Site after we post
any such modifications will constitute your acknowledgment of the modified policy and your agreement to
abide and be bound by the modified policy. We will also revise the "last updated" date found at the
request information about our disclosure of personal information to third parties, please contact us by
email at: Privacy@findingadegree.com
Special Notification for California Residents
You may also send your questions or comments to our address: FindingADegree™,
182 Howard Street #509, San Francisco, CA 94105.
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 contact our Legal Department.
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.