Browsing Our Website
This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. National Student Loan servers automatically record non-personally identifiable information when you visit our website or use some of our products. When you request a page from our website, our servers log the information provided in the HTTP request header including the IP number, the date and time of the request, the URL of your request, the language used, the browser type and any other information that is provided in the HTTP header. We collect the HTTP request header information in order to make our website function correctly and provide you the
functionality that you see on this website. We also use this information to better understand how visitors use our website and how we can better tune it, its contents and functionality to meet your needs.
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 No More Loans service or otherwise volunteer information, such as your income, assets you possess, and account payment history; 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. Aside from the ways mentioned above, we sometimes use your personally identifiable information in other ways, including sending you promotional materials, and sharing your information with third parties so that these third parties can send you promotional materials. (By “promotional materials,” we mean communications that directly promote the use of Websites, or the purchase of products or services.). However, you may “opt-out” of certain uses of your personal information.
How No More Loans Uses Personally Identifiable Information
We may disclose a consumer’s personally identifiable 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. The personal information collected on this site and by third parties will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. We Reserve The Right To, And Will, Sell Or Transfer Your Personal Information To Third Parties For Any Purpose In Our Sole Discretion. 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 share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of No More Loans. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, No More Loans. We may use this personally identifiable information for auditing, research and analysis to operate and improve No More Loans 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. No More Loans may also share aggregated information that does not identify you, the consumer, with outside companies. Aggregated Information refers to information No More Loans 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.
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. No More Loans 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 No More Loans, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of No More Loans. 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. If you have any questions about the security on our Website, please feel free to contact us.
As is true of most Websites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users movements around the site and to gather demographic
information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.
We employ a software technology called clear gifs, that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers personally identifiable information. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please see “Choice and Opt-out.”
Third Party Advertisers
Any ads appearing on this Website are delivered to users by our advertising partner. We share Website usage information about users with a reputable third party for the purpose of targeting our Internet banner advertisements on this site. The information collected and shared through this technology is not personally identifiable.
Links to Other Sites
We may be co-branded with “partners and affiliates” or part of a corporate group. We may share information about customers and former customers with these co-branded / corporate group companies. These business to business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by No More Loans.
Access to Personally Identifiable Information
We will make good faith efforts to provide you access to your personal information upon request. If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing our Customer Support by contacting us by telephone or postal mail at the contact information listed below.
Consistent with the Federal Children’s Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of 13 without requesting parental consent.
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 purchase marketing data from third parties and add it to our existing user database, to better target our advertising and to provide pertinent offers in which we think you would be interested. To enrich our database of individual customers, we tie this information to the personally identifiable information they have provided to us.
In the event No More Loans 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.
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