Privacy Policy

Effective July 15, 2010
EduLender, Inc. doing business as Alltuition
Address: 875 N. Michigan Ave Suite 3100 Chicago, IL 60611
Phone: (888) 316-4515
E-mail: info@alltuition.com

We greatly respect your right to privacy. We will not give your name or personal information to third parties without your consent.

1. E-mail

We want to communicate with you only if you want to hear from us. We will send you emails relating to your personal transactions or containing information that concerns your account. We will keep these emails to a minimum. You may also receive certain email notifications (ex. account status updates), alerts (ex. reminders about essential student loan deadlines), and a newsletter, from which you may opt out of by clicking the unsubscribe link at the bottom of any email, or by logging into your alltution.com account and unchecking the "Send me Email" option, (found in "Account settings", once logged in). On the rare occasions when it is necessary to do so, we may send you service-related announcements.

2. Security

We maintain physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access to, maintain confidentiality of, and correctly use your personal information. We use a variety of security measures, including encryption and authentication tools, to keep your personal information secure. Your personal information is stored behind firewalls and access is restricted to a limited number of people who are required to keep the information confidential. However, no Internet or email transmission is ever fully secure or error free.

Your bank login credentials for the Unified Application are stored securely in a separate database using multi-layered hardware and software encryption. When storing a student’s credentials for the lender’s or servicer’s websites, Alltuition encrypts the password and the answers to the user’s personal identity verification questions.

3. Changes to Our Policy

Alltuition reserves the right to update this privacy policy at any time. If we decide to use your information in a manner different from that stated at the time of collection, we will notify you via email. You may choose whether or not we may use such information in this manner. In addition, if we make any material changes in our privacy practices that do not affect your information already stored in our database, we will post a prominent notice on the Website notifying you of the change. In some cases when we post such notice, we may also email you to notify you of the changes to this Policy.

4. The information we collect

A. Personal Information

At the Website, you may be able to request information or register and save your information for later reference. The types of Personal Information that may be collected at these pages of the Website include name and email address, address, and telephone number. Except as permitted by law or as otherwise disclosed in this Policy, we will not share your Personal Information with any person or entity without your consent.

B. Click-stream Data

We also may collect certain non-personally identifiable information (that is, generic information that does not identify you personally) when you visit the Website or any of our web pages. Such generic information may include the type of loans you are interested in, the amounts of these loans, the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using, (e.g., Windows ‘98 or Mac OS), your IP address, and the domain name of your Internet service provider (e.g., America Online or Earthlink). As you use the Internet, a trail of electronic information is left at each website you visit. This information (which is sometimes referred to as click- stream data) can be collected and stored by a website’s server. Click-stream data can tell us the type of computer and browsing software you use and the address of the website from which you linked to our Website. We may use click-stream data and other non-personally identifiable information to anonymously determine how much time visitors spend on each page of our Website, how visitors navigate throughout our Website and how we may tailor our web pages to better meet the needs of visitors. We sometimes may use the non-personally identifiable information that we collect to improve the design and content of our Website and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze how our Website is used, as well as to offer you additional products, programs or services. We may share aggregate information with others, including our affiliates (Related Companies) and non-affiliated companies.

C. Cookies

We may use cookies to store your preferences, recognize you as a repeat visitor, and track traffic patterns on our site. We use this information to make your experience with us more user-friendly. We may use cookies to personalize your experience at our web pages, recall your specific information on subsequent visits, or offer you products, programs or services. Companies that may advertise on our Website (and their agents) might use their own cookies. This Policy does not cover how these companies use their cookies. You can opt to have your browser reject cookies.

5. How we use your personal information

We will use the Personal Information you provide to the Website for the purposes you have requested or we have disclosed in this Policy. If you want us to stop using the Personal Information you provided in these ways, please email us at: info@alltuition.com.

5a. How We Use the Information You Provide As a Donor in Fundraisers

We will use the information you provide in Fundraisers only to complete your donation and to provide you with tools to manage and monitor your transactions. When you make a donation to a Fundraiser page listed on the Website, you grant us permission to access your donation records at any time. We will make available to your selected Fundraiser online reports identifying, where available, the name, address, email, and transaction accounting details of the donation. If you choose to make your donation anonymously, we will share only the donation amount on the webpage but the donee will always know the email address and name associated with the PayPal account. Alltuition will not share your personal information, donation activity, or email address with any third party without your prior written consent. We will use your contact information to send you information concerning your donation, including without limitation a donation confirmation and any notices about problems with your credit card.

6. How we share your personal information

We will not share the Personal Information you provide except (a) where such disclosure has been described on the Website or in this Policy or you have otherwise consented to such disclosure; (b) as a result of our belief that the disclosure may be permitted or required by law or may be necessary to protect our company or others from injury (e.g., in response to a court order or subpoena or law enforcement agency request or when we believe that someone is causing or may cause injury or is interfering with the rights or property of another).

7. Voluntary disclosure

Any information or content that you voluntarily disclose in public areas becomes publicly available and can be collected and used by other users. Any personal information or content that you voluntarily disclose in public areas becomes publicly available and can be collected and used by other users. You should exercise caution before disclosing your personal information via these public areas.

7a. Voluntary Disclosure - Fundraisers

If you choose to create a Fundraisers account with us, you will be asked to select a username and password. We will ask you to provide personal information including your first name, last name, and email address when you create your Fundraisers page. Once your Fundraisers page is created, it will become publicly available. You may cancel and take down your Fundraisers page at any time via your profile settings. You may post information, such as comments, videos, images, and other content (“Materials”) to the Website. Any Materials you post to the Website may be viewable by the general public and are governed by our Terms of Use.

Except as otherwise indicated in this Policy, we will only supply your Personal Information to a third party with your consent. In these cases, you will be given the option to opt in or opt out based upon information disclosed at the time your information is collected. If you do not opt in, or you opt out, your information will not be disclosed. Finally, please note that the Personal Information you provide to the Website is considered a company asset and may be included among transferred assets if Alltuition, any of its Related Companies or any of their assets are ever acquired by a third party.

9. Collection of information by others

Our Website may contain links to other websites operated by third parties (collectively, the Third-Party Sites). Such Third-Party Sites may have information practices that are different from those described in this Policy. You should check the other privacy notices made available on such Third-Party Sites.

10. What happens when you refer a friend to us

On this Website, when you provide us with an email address for a referral, we will share your name and email address as well as the recipient’s email address with a third party as necessary in order to provide this referral service. This information will not be used for any other purpose. If you choose to use our referral service to tell a friend about our Website, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the Website. This third party stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. You or your friend may contact us at info@alltuition.com, or use the link provided in each email, to request that we remove this information from our database.

11. Supplemental information

From time to time we may supplement the Personal Information you provide through our Website with information from other sources, such as information validating your address. Thus, information we obtain through our Website may be intermingled with and used in conjunction with information obtained through sources other than our Website, including both offline and online sources.

12. Discussions and community tools

We may, from time to time, make chat rooms, forums, message boards, news groups and other community tools available to you. Please remember that any information, including any Personal Information that is disclosed in these areas becomes public information for other users to view and for us to use. For example, from time to time, we may use the content you write (including your name or screen name if you post it) for promotional purposes, in email newsletters or elsewhere, and by using our Website or these chat rooms, forums, message boards, news groups, and other community tools, you agree that we may do so. You should exercise caution when deciding to disclose your personal information in these areas, since anyone — not just us - -may use publicly posted information.

13. Correcting or changing your personal information

If your Personal Information changes, or if you no longer desire our service, you may correct or delete it in your account settings or by contacting us at info@alltuition.com.

14. Our site is not meant for people under 13 years old

Children under the age of 13 are not permitted to use Alltuition on their own, and so this privacy policy makes no provision for their use of the site.

15. Alltuition fundraisers are not meant for people under 18 years old

We will not knowingly permit persons under the age of 18 to provide information to us through Alltuition Fundraisers. If we later learn that any user is under the age of 18, we will take appropriate steps to remove that user’s information from the database and restrict that user’s access to Alltuition Fundraisers.

16. Questions

You can email us at info@alltuition.com or call us at (888) 316-4515 if you have any questions about this policy, security, or privacy.

Updated: February 16, 2012