Last Updated: May 17, 2015 created this Privacy Policy (“Privacy Policy”) to describe our information collection and use practices in connection with our Website and Services available through the Website. By visiting our Website, and/or using our Services, you are agreeing to the terms of this Privacy Policy and the Terms of Use. Unless otherwise stated, all defined terms have the meaning set forth in the Terms of Use.

Information We Collect

When you visit our Website and use our Services, you may provide us with certain personally identifiable information including, but not limited to, your e-mail address, phone number, social security number, Student Loan Account Information (as defined below), and password. We refer to all of this information as “Personal Information.” We do not collect any Personal Information from Visitors to the Website unless you provide us with the Personal Information voluntarily (for example, by registering for an account).

You may ask us to access your student loan accounts on your behalf in order to collect certain information about your student loans. We refer to your account with a third party that maintains information about your student loans (such as a loan servicer, collection agency, bank, or other financial institution or organization) as your “Student Loan Account,” and we refer to the information we collect from your Student Loan Account as the “Student Loan Account Information.” If you provide us with your user name and password/pin in order for us to access your Student Loan Account, you authorize us (and/or our trusted third party service provider) to access, collect, use and share your Student Loan Account Information as necessary to provide you with this Service. If you provide us with your Student Loan Account Information in connection with employer student loan contributions, we will use that information in order to apply the payments towards your Student Loan Account.

We will use your Student Loan Account Information and other Personal Information to provide you with information regarding your financial situation and to help you find out whether you are eligible to restructure your student loans and to enable you to use our Services to apply for some forms of loan restructuring (such as through a federal loan program, loan consolidation, deferment, or forbearance). We may subsequently access your Student Loan Account when you: (a) log back in to use our Services (so we can make sure we have the most up to date information about your student loans), and/or (b) to see if the loan restructuring we helped you apply for or the payment we scheduled for you has gone through.

We may automatically collect other types of non-personally identifiable information when you visit the Website and use our services online such as your network location, the IP address of your computer, and what sections of the Website you visit.

The Website may use “cookie” technology to help us collect other non-personally identifiable information and to enhance your experience using the Website. Cookies are small packets of data that a web site stores on your computer’s hard drive so that your computer will “remember” information about your visit. We may allow third-party companies that are presenting advertisements on some pages of the Website to set and access their own cookies. Such third- party cookies are not governed by this Privacy Policy, but by the priva

cy policy of such third party. Also, the Website may use web beacons, commonly known as bots, to access our cookies within and outside our network of web sites and in connection with our products and services. If you do not want the Website to place cookies on your hard drive, you may be able to turn that feature off on your computer. Please consult your Internet browser’s documentation for information on how to do this. However, if you decide not to accept cookies from our Website, the Website may not function properly.

How We Use and Share the Information of Registered Users

We use the Personal Information and the other information (a) to provide you the Services, (b) to send you information about or the Services, (c) to customize and tailor your experience on the Website, and (d) to provide you with content that we think you might be interested in and according to your preferences. We may also use your contact information to inform you about other products and services that may be available through, our family of companies, and/or companies with which we have a marketing relationship, and to provide you a customer survey to assess your satisfaction with our Services.

We may share Personal Information with third parties as described below:

We may employ other companies and individuals to perform functions on our behalf. Examples may include providing marketing assistance, customer service, and processing of student loan payments. These other companies will have access to the Personal Information only as necessary to perform their functions and to the extent permitted by law.

In an ongoing effort to better understand our customers, we might aggregate Personal Information that is provided through the Website. In aggregate form, this Personal Information does not identify you personally. We may share this aggregate data with our business affiliates and agents. We may also disclose aggregated user statistics in order to describe our services to current and prospective business affiliates and to other third parties for other lawful purposes.

If we or any of our family of companies (or all or substantially all of our assets or the assets of any of our family of companies) are acquired or merged into another company, we expect that the Personal Information would be transferred along with the other business assets.

To the extent permitted by law, we may also disclose Personal Information when required by law, court order, or other government or law enforcement authority or regulatory agency, or whenever we believe that disclosing the Personal Information is necessary or advisable, for example, to protect the rights, property, or safety of or others.

How We Use and Share the Information of Company Registered Users

We may, based on your continued enrollment in a company sponsored student loan contribution program, disclose aggregate information (based on your Personal Information) to your employer or your university, as applicable.

By registering via the Website as a Company Registered User, you thereby consent to disclosing your aggregate information (based on your Personal Information) to Company for use in connection with the Company Services. Information disclosed to Company is subject to Company’s privacy and security policies, and not this Privacy Policy. does not monitor and has no responsibility for Company’s use of your aggregate information (based on your Personal Information), or operation of the Company Services including, without limitation, the structure of the Company Services, or compliance with applicable laws.

Accessing and Modifying Personal Information and Communication Preferences

You may access, remove, review, and/or make changes to Personal Information that you have provided to us by e-mailing at In addition, you may manage your receipt of marketing and non-transactional communications by clicking on the “unsubscribe” link located on the bottom of any marketing e-mails. We will use commercially reasonable efforts to process such requests in a timely manner. You should be aware, however, that it is not always possible to completely remove or modify information in our subscription databases. You cannot opt-out of receiving transactional e-mails related to your account with

User Generated Content

If you choose to post User Generated Content on the Website, you should be aware that any personally identifiable information included with your User Generated Content can be read, collected, or used by other users, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in your User Generated Content.

How We Protect Visitor Information

We strive to maintain reasonable physical, electronic, and procedural safeguards to secure Personal Information from loss, misuse and unauthorized access, disclosure, alteration, and destruction. We use industry-standard SSL (“Secure Socket Layer”) encryption technology, a secure server, and other physical and procedural safeguards to protect the security of such information. Please understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet.

If you have any questions regarding this Privacy Policy, please contact us as described in the “How to Contact Us” section. We will investigate your question, respond to your inquiry, and attempt to resolve any concerns regarding your privacy question. If you do not receive acknowledgement of your complaint or if your complaint is not satisfactorily addressed by, you should then contact:, Inc. 1409 3rd Street Promenade, Suite B, Santa Monica, CA 90401 Email – /

External Web Websites

The Website may contain links to third-party web sites. has no control over the privacy practices or the content of any of our business affiliates, advertisers, sponsors, or other web sites to which we provide links from the Website. As such, is not responsible for the content or the privacy policies of web sites to which our Website may link. You should check the applicable privacy policy of the web site sponsor when visiting any other web sites.

Changes to This Privacy Policy

This Privacy Policy is effective as of the date stated at the top of this Privacy Policy. We may change this Privacy Policy from time to time. By accessing this Website or providing us Personal Information after we make any such changes to this Privacy Policy, you are deemed to have accepted such changes. Please refer back to this Privacy Policy on a regular basis.

How to Contact Us

If you have questions about this Privacy Policy, please contact via e-mail at with “PRIVACY POLICY” in the subject line or by mailing us at the following address:, Inc. 1409 3rd Street Promenade, Suite B
 Santa Monica, CA 90401