Information We Collect

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

As described in the Terms of Use, we may provide services to your Company to enable your Company to provide the Company Services to you. When acting as a service provider to your Company to enable your Company to provide the Company Services to you, your Company will provide us with Personal Information about you, including, but not limited to, your first name, last name, employee id and email address. In some cases, your Company may also provide us with the last 4 digits of your social security number for account authentication purposes. You authorize us to collect, store, and use, in accordance with this Privacy Policy, any and all such Personal Information. This Privacy Policy governs our use of this Personal Information; it does not govern, and we have no control over and will not have any responsibility or liability for, collection or use of your Personal Information by your Company.

When we are acting as a service provider to the Company to enable the Company to provide the Company Services to you, if your Company requires us to verify your student loan account(s) that are designated to receive Company contributions pursuant to the Company Services, we will ask you to provide an authorization pursuant to the Fair Credit Reporting Act (“FCRA”) permitting us to share your personal information (e.g., your name, address, and last four digits of your social security number, collective the “Credit Report Request Information”) with a Third Party Processor to run a credit report (“FCRA Authorization”). We will pass such Credit Report Request Information to our Third Party Processor and the Credit Report Request Information will be used by the Third Party Processor pursuant to the terms and conditions of their privacy policies and terms of use. You may opt-out of providing the Credit Report Request Information by refusing to provide the FCRA Authorization. If you opt-out, we may ask you to provide a copy of your student loan statement to verify your student loan accounts that are designated to receive Company contributions pursuant to the Company Services.

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 Third Party Service Providers) to access, collect, use and share your Student Loan Account Information as necessary to provide you with the Services.

We will, for example, 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 the Services to apply for some forms of loan restructuring (such as through a federal loan program, loan consolidation, deferment, or forbearance). If you provide us in our capacity as service provider to your Company with your Student Loan Account Information in connection with student loan contributions made by your Company pursuant to the Company Services, we will use that information in order to apply the Company contributions towards your Student Loan Account. We may subsequently access your Student Loan Account when you: (a) log back in to use the Services (for example, 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 Company student loan contribution we scheduled for you in our capacity as service provider for your Company has gone through.

We may automatically collect other types of non-personally identifiable information when you visit the Website and use the Services 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 privacy 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 the 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 Tuition.io 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 provide you a customer survey to assess your satisfaction with the 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 in connection with the Services. Examples may include providing marketing assistance and customer service. These other companies and individuals 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 the Services to current and prospective business affiliates, customers and investors, 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 Tuition.io or others.

How We Use and Share the Information of Company Registered Users

We use and share the information of Company Registered Users in the same manner as described for Registered Users in the preceding section of this Privacy Policy.

In addition, as described in the Terms of Use, we may provide services to your Company to enable your Company to provide the Company Services to you. Our use and sharing of information of Company Registered Users described below in this Section of the Privacy Policy occurs when we are acting as a service provider to your Company.

We may, based on your use of the Company Services, disclose aggregate information (based on your Personal Information) to your Company.

By registering via the Website as a Company Registered User, you thereby consent to Tuition.io disclosing your aggregate information (based on your Personal Information) to your Company for use in connection with the Company Services. Tuition.io makes every effort to report this data to your Company in aggregate or anonymized fashion. You acknowledge, however, that in some instances your data may be de-aggregated or unintentionally shared with your Company due to reasons beyond our control such as sample size. You further consent to Tuition.io disclosing your Personal Information and specific information regarding Company contribution(s) made and/or to be made to your student loan(s) on your behalf to your Company so that the Company can provide the Company Services to you, to satisfy tax reporting obligations and for other purposes. Information disclosed to your Company is subject to your Company’s privacy and security policies, and not this Privacy Policy. Tuition.io does not monitor and has no responsibility for your Company’s use of your 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.

If your Company requires us to verify your student loan accounts that are designated to receive Company contributions pursuant to the Company Services, we will share your Credit Report Request Information with a Third Party Processor who will use the information to run a credit report; provided you have provided the FCRA Authorization. We will use your credit report solely as necessary to verify the information that your Company has asked us to verify, including but not limited to, verifying that you are the legal owner of the student loans for which you are seeking contributions from your Company.

We also may disclose your Personal Information and specific information about Company contribution(s) made and/or to be made to your student loan(s) pursuant to the Company Services on your behalf to other companies we use to process these student loan contributions.

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 Tuition.io at privacy@tuition.io. 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 Tuition.io 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, and we may be required by law or by contractual obligations to retain certain Personal Information in order to document the services, including but not limited to the Company Services, that Tuition.io has performed.. You cannot opt-out of receiving transactional e-mails related to your account with Tuition.io.

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 Personal 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 Tuition.io, you should then contact:

Tuition.io, Inc.
1453 Third Street Promenade
Suite 335
Santa Monica, CA 90401
Please email: privacy@tuition.io

External Websites

The Website may contain links to third-party web sites. Tuition.io 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, Tuition.io 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 “Last Updated” date stated at the top of the Privacy Policy. This Privacy Policy may be amended by Tuition.io in its sole discretion from time to time without notice to you by posting a revised Privacy Policy on the Website. By accessing this Website, providing us Personal Information and/or using any of the Services available through the Website after such posting, you acknowledge that you have read, understood, and agree to be legally bound by the revised Privacy Policy. If you do not agree to the revised Privacy Policy, then please do not use the Website, provide us any Personal Information or use any of the Services available through the Website after such posting. 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 Tuition.io via e-mail at privacy@tuition.io with “PRIVACY POLICY” in the subject line or by mailing us at the following address:

Tuition.io, Inc.
1453 Third Street Promenade
Suite 335
Santa Monica, CA 90401