YOUNOMICS Online Privacy Policy

Last Modified [10/04/2014]

Younomics Private Student Loan Trust (“YOUNOMICS”, “we,” “us,” and “our”) takes your privacy very seriously. This is our privacy policy specifically for online activities (“Online Privacy Policy”) on the Younomics Web Site (“Site”).

Information Collection and Use

We collect a variety of different information when you use our online services. We then use your information to measure and improve our services.

Registration

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.

Applications

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.

Third-Parties

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.

Cookies

Cookies are small text files that are stored on your computer, mobile device, or other device. They are created when you visit a website that uses cookies to track how you use the website, help you resume where you left off, and remember your customized settings. These files do not contain any personally identifiable information, and cannot carry viruses. It is an industry-standard to use cookies. We use cookies on our Site and collect data from the cookies. You can set your browser to not accept cookies, but this may prevent you from accessing certain features of our Site.

Pixel Tags

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.

Log Data

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.

Communication

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.

Sharing With Others

Third Parties

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.

Service Providers

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.

Law and Acts of Harm

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.

Business Transfer

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.

Non-Private and Non-Personal Information

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.

External Links

We have links to third-party websites on our Site. This online privacy policy only applies to the information collected on our Site. If you decide to visit a third-party website that is linked on our Site, you should make sure to review the online privacy policies of that website.

Security

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.

Revised Terms

From time to time, YOUNOMICS may modify this online privacy policy. This may be done without prior notice to you. YOUNOMICS will post the revised online privacy policy here. It is your responsibility to regularly review the online privacy policy on the Site to stay up-to-date on any changes. Modifications will not be applied retroactively. Your continued access or use of the Site after the modifications have become effective shall be considered your acceptance of the modified online privacy policy.

Questions

If you have any questions, please email us at privacypolicy@younomics.com.