Last Modified [10/04/2014]
We collect a variety of different information when you use our online services. We then use your information to measure and improve our services.
When you create an account on the Site, we will ask you to provide us with some information about yourself. This would include information such as your name, birth date, educational background, employment history, residence history, references, and social security number. We ask for this information to ensure that we are not giving access to your account to a person who is not you. We use secure socket layer (SSL) technology to protect your personal information.
If you apply for loan options on the Site, you may be asked to provide personal information. This may include information such as your name, educational background, employment history, and most recent contact information. We ask for this information to verify that you are eligible for the loan options, and to be able to contact you with status updates regarding the loan options.
In carrying out our services (e.g. approving you for a loan option), we may occasionally obtain additional information about you from third-party sources. We use third-party sources to check whether we have the correct contact information for you, to verify your income, and to pull your credit report. We pull the credit reports as a “soft pull,” so these pulls do not affect your credit score.
Pixel tags are small images that can track things like how many users have visited a website. We use a third-party service called Chartbeat that uses pixel tags to inform us of the activity levels on our Site. We use the data on our activity levels to evaluate the effectiveness of different parts of the Site.
We use tracking software that collects non-personal data such as the type of browser you use, host name, IP Address, clicking of links, and the time that any activities on the Site took place. We use this data to analyze the demographics of our users, usage trends, and how we can improve the experience on the Site.
We will use your information to send different types of messages to you via email or on our Site. One type of message would be one in which we provide you with your account status. For example, we will send you a confirmation email after you apply for a loan option on the Site. You cannot opt out of these types of messages as they are meant to provide you with important and necessary information about your account. Another type of message would be one in which we respond to a customer support inquiry posed by you.
We share your information with third-parties only to the extent that they have a legal right to your information. For example, if you’ve authorized your spouse to speak to us, we may provide them with information about your account.
We share information with our service providers (e.g. University Accounting Service) only to the extent that we need to run our everyday business, the sharing is in compliance with our privacy policies, and that the third-parties us your personal information only on our behalf and according to our directions.
We will disclose your personal information as required by law, regulation, or legal request. We will also disclose information if we deem it necessary to protect the safety of an individual, to prevent fraud or security breaches, or to protect YOUNOMICS’s rights and property.
If a business transfer were to occur (e.g. bankruptcy, merger, acquisition, re-organization, or sale of assets), your personally identifiable information may be transferred as part of the transaction. We will notify you of any business transfers, within 30 days of the event, by email and a notice on our Site.
We may share your non-private and non-personal information. For example, we may use your non-private and non-personal information to provide aggregate figures and demographic data to third parties.
We secure your information using Secure Socket Layer (SSL) technology. SSL is a protocol for transmitting private documents via the Internet. URLS that require an SSL connection start with an “https” rather than an http.” The use of SSL technology for security is an industry standard.
If you have any questions, please email us at email@example.com.