Last modified: 03/11/2018

Welcome to, a service of the Group, Inc. (“,” “we,” or “us”). We are committed to protecting your privacy. This “Privacy Policy” explains how we collect, use, disclose, and protect information that applies to our Service, and your choices about the collection and use of your information. Capitalized terms that are not defined in this Privacy Policy have the meaning given to them in our Terms of Service.

When you use the Service, you consent to our collection, use, disclosure, and protection of information about you as described in this Privacy Policy.


1. Collection of Your Information

We may collect and store various information about you, including information that you provide to us, information that we automatically collect through your use of the Service, and information from publicly-available sources or third parties, as follows:

A. Information you provide us directly

The information we collect from you will vary depending on the product or service requested. When you download, register for a account or use our Services we may ask for certain information such as your username, first and last name, birth date, telephone number, email address, college or university, year of graduation, course of study, and other details related to your personal and/or financial situation.  If you register for a account, in order to provide you full access to and use of the Services, you will also be asked to link your account with your accounts at various institutions and other financial services companies (collectively, “Third Party Providers”) and provide your usernames, passwords and other account information for such accounts (“Account Information”). This Account Information is used and stored in accordance with this Privacy Policy and the Terms of Use governing your use of the Services. The Account Information may be submitted to Third Party Providers in order to access, retrieve and use the information associated with your account with the Third Party Providers as provided in the Terms of Use. In addition, may store this data for your use of the Services and/or configure or transmit the Account Information to make it compatible with the websites or access portals of the Third Party Providers.

We may collect information that you voluntarily provide to us when using the Service.  All of the information that we collect from you directly is identified in the forms, other places where you respond to questions, or where you indicate preferences throughout the Service, either online or communicated through our customer service representatives.

We may also collect and store information that you provide to us about other people. By submitting information about someone other than yourself, you represent that you are authorized to provide us with that person’s information for the purposes identified in this Privacy Policy and/or in connection with the Service.

We may also retain any messages you send through the Service, customer service correspondence (via telephone, chat, text, email or otherwise), and may collect information you provide in User Content you post to the Service.

Calls to or to third-parties through by you or to you may be recorded or monitored for quality assurance, customer service, training and/or risk management purposes.

B. Information That Is Collected Automatically

In addition to the information you provide to us directly, we may automatically collect information about your use of the Service, as described below.

  • Log file information. Log file information is automatically reported by your browser each time you access the Service. When you use our Service, our servers may automatically record certain log file information. These server logs may include information such as your web request, Internet Protocol (“IP”) address, browser type, browser language, operating system, platform type, the state or country from which you accessed the Service, software and hardware attributes (including Device ID), referring / exit pages and URLs, number of clicks and how you interact with links on the Service, domain names, landing pages, pages viewed and the order of those pages, the data and time you used the Service and uploaded or posted content, error logs, files you download, and other such information.
  • Location information. When you use the Service, we may automatically collect general location information (e.g., IP address, city/state and or zip code associated with an IP address) from your computer or mobile device. Please note that if you disable such features, you may not be able to access or receive some or all of the services, content, features and/or products made available via the Service.
  • Cookies and other technologies. We and our third-party service providers may use cookies, clear GIFs, pixel tags, beacons, and other technologies that help us better understand user behavior, personalize preferences, perform research and analytics, deliver tailored advertising, and improve the products and services we provide. You can choose to accept or decline certain cookies. Most web browsers automatically accept cookies, but your browser may allow you to modify your browser settings to decline certain cookies if you prefer. If you disable cookies, you may be prevented from accessing or taking full advantage of the Services.

Cookies. When you visit the Service, we may send one or more cookies — a small text file containing a string of alphanumeric characters — to your computer that uniquely identifies your browser or stores information or settings on your device. Cookies let us help you log in faster and enhance your navigation through the site. A cookie may also convey information to us about how you use the Service (e.g., the pages you view, the links you click and other actions you take on the Service) and allow us or our business partners to track your usage of the Service over time. A persistent cookie remains on your hard drive after you close your browser. Persistent cookies may be used by your browser on subsequent visits to the site. Persistent cookies can be removed by following your web browser’s directions. A session cookie is temporary and disappears after you close your browser. Our Service may use HTTP cookies, HTML5 cookies and other types of local storage (such as browser-based or plugin-based local storage).

Clear gifs/web beacons. When you use the Service, we may employ clear gifs (also known as web beacons) which are used to anonymously track the online usage patterns of our Users. In addition, we may also use clear gifs in HTML-based emails sent to our users to track which emails are opened, which links are clicked by recipients, and whether our emails are forwarded. The information allows for more accurate reporting and improvement of the Service.

Web analytics. We may use third-party Web analytics services on our Service, such as those of Google Analytics. These service providers use the technology described above to help us analyze how users use the Service. The information collected by the technology (including your IP address) will be disclosed to or collected directly by these service providers. To prevent Google Analytics from using information for analytics, a user may install the Google Analytics Opt-Out Browser Add-on by clicking here.

Third-Party Ad Targeting. We sometimes use the above technologies for interest-based advertising, which may be based on your device or browser’s signals received across websites or applications, and over time. Please see the section titled “Tailored Advertising” to learn how you can opt out of these marketing methods and technologies.

We may use this information in a number of ways, including: (a) to remember information so that you will not have to re-enter it during your visit or the next time you visit the site; (b) to provide custom, personalized content and information; (c) to provide our Service and monitor its effectiveness; (d) to monitor aggregate metrics such as total number of visitors, traffic, and demographic patterns; (e) to diagnose or fix technology problems; (f) to help you efficiently access your information after you sign in and; (g) to deliver advertising to you.

C. Information from Third-Party Sources

We may receive information about you from publicly and commercially available sources, as permitted by law, which we may combine with other information we receive from or about you.

2. Tailored Advertising

We may use third-party advertising technologies that allow for the delivery of relevant content and advertising on the Service, as well as on other websites you visit and other applications you use. The ads may be based on various factors such as the content of the page you are visiting, information you enter such as your age and gender, your searches, demographic data, user-generated content, and other information we collect from you. These ads may be based on your current activity or your activity over time and across other websites and online services and may be tailored to your interests.

Also, third-parties whose products or services are accessible or advertised via the Service may place cookies or other tracking technologies on your computer, mobile phone, or other device to collect information about your use of the Service as discussed above. We may also allow other third-parties (e.g., ad networks and ad servers such as Google Analytics, DoubleClick and others) to serve tailored ads to you on the Service, other sites, and in other applications, and to access their own cookies or other tracking technologies on your computer, mobile phone, or other device you use to access the Service. does not sell, rent, or share the information we collect directly from you or about you from third-parties with these third-party ad servers or ad networks for such parties’ own marketing purposes.

Please note that an advertiser may ask to show an ad to a certain audience of Users (e.g., based on demographics or other interests). In that situation, determines the target audience and serves the advertising to that audience and only provides anonymous aggregated data to the advertiser. If you respond to such an ad, the advertiser or ad server may conclude that you fit the description of the audience they are trying to reach.

We neither have access to, nor does this Privacy Policy govern, the use of cookies or other tracking technologies that may be placed on your computer, mobile phone, or other device you use to access the Service by non-affiliated, third-party ad technology, ad servers, ad networks or any other non-affiliated third-parties. Those parties that use these technologies may offer you a way to opt out of ad targeting as described below. If you receive tailored advertising on your computer through a web browser, you can learn more about such tailored browser advertising and how you can generally control cookies from being put on your computer to deliver tailored advertising, by visiting the Network Advertising Initiative’s Consumer Opt-Out or the Digital Advertising Alliance’s Consumer Opt-Out to opt-out of receiving tailored advertising from companies that participate in those programs. To opt out of Google Analytics for display advertising or customize Google display network ads, you can visit the Google Ads Settings page.

Please note that to the extent advertising technology is integrated into the Service, you may still receive advertisements even if you opt out. In that case, the advertising will not be tailored to your interests. Also, we do not control any of the above opt-out links or whether any particular company chooses to participate in these opt-out programs. We are not responsible for any choices you make using these mechanisms or the continued availability or accuracy of these mechanisms.

3. Do Not Track Signals and Similar Mechanisms

We do not respond to browser-initiated Do Not Track signals, as the Internet industry is currently still working on Do Not Track standards, implementations, and solutions.

4. Use of Your Information

We may use your information and/or combine any or all elements of your information for a number of purposes, including:

  • To provide you with and manage the Service. We use your information to operate, maintain and provide to you the features and functionality of the Service. This may include customization and tailoring the Service features according to the information that you provide.
  • To communicate with you. We use the information we collect or receive to communicate directly with you. We may send you emails containing newsletters, promotions and special offers. If you do not want to receive such email messages, you will be given the option to opt out or change your preferences. We also use your information to send you Service-related emails (e.g., account verification, changes/updates to features of the Service, technical and security notices). You may not opt out of Service-related emails.
  • To improve the Service and advertise. We may use the information we collect to analyze and improve the Service and to provide advertising to you.
  • To protect the rights of and others. We may use your information as we believe is necessary or appropriate to protect, enforce, or defend the legal rights, privacy, safety, security, or property of, its employees or agents, or other users and to comply with applicable law.
  • When collecting information across personal devices, and applications. Sometimes, we (or our service providers) may use the information we collect – for instance, log-in credentials, IP addresses and unique mobile device identifiers – to locate or try to locate the same unique users across multiple browsers or devices (such as smartphones, tablets, or computer), or work with providers that do this, in order to better tailor advertising, content, and features, and provide you with a seamless experience across devices. If you wish to opt out of cross device tracking for purposes of interest-based advertising, you may do so through your Android or Apple device-based settings.
  • With your consent. We may otherwise use your information with your consent or at your direction.
  • To aggregate/de-identify data. We may aggregate and/or de-identify information collected through the Service. We may use de-identified and/or aggregated data for any purpose and without any restrictions, including without limitation for research and marketing purposes, and may also share such data with any third-parties, including advertisers, promotional partners, sponsors, event promoters, and/or others.

5. Sharing of your information

We may share the information we collect or receive from you in a variety of circumstances, including:

  • Providers and co-signers. We may share your information with Providers and other third parties for the purpose of providing the Service to you such that they may provide you with information about your request, offers, and information related to other products and services they offer.

You agree that when you submit information to a Provider or third-party through the Service, submission of your information may also be governed by Provider or third-party privacy and security policies which differ from our Privacy Policy. For details of these policies, please consult the policies of the Providers or third-parties directly.

You understand that Providers may keep your information that relates to any submission of information that you may make through your use of the Service and any other information provided by in the processing of any submission of information, whether or not you are eligible for the Provider’s products or services. You agree to notify any particular Provider directly if you no longer want to them to keep your information.

As an applicant of a Provider’s products or services, you agree that when you provide information, may share with Provider responses relating to your submission.

We may also share certain automatically-collected information, including information obtained through tools such as cookies, log files, and clear gifs (such as anonymous usage data, referring/exit pages and URLs, platform types, number of clicks, etc.) with Providers as described in the section titled “Information that is collected automatically.”

  • Affiliates. We may share information with our affiliates.
  • Service providers. We may share information with third-parties that help us operate our business and provide our services, such as parties that provide us with technology, services, data or content. For example, we may share information with third-party service providers who assist in the verification of your identity. This may include (but is not limited to); credit bureaus, service providers that provide access to your existing accounts (at your request), your school, and other parties. We also remind you that under our Terms of Service you authorize the use of your third-party Account Information to help complete your requests and submissions.
  • Marketing partners. We may also share your information with marketing partners where the marketing partner maintains a link to our Service on their site and you click from their site to our Service.
  • Colleges, Universities and Department of Education. In order to provide Services to you, we may share personal information with college and school administrators (such as college financial aid offices), educational or governmental organizations, as well as the U.S. Department of Education’s (“ED”). Personal information may also be transmitted for the purpose of providing or determining Services requested by you or for which you might be eligible.
  • Other parties when required by law or as necessary to protect our users and services. may share your information where required to do so by law or subpoena or if we reasonably believe that such action is necessary to (a) comply with the law and the reasonable requests of law enforcement; (b) enforce our Terms of Service or to protect the security or integrity of our Service; and/or (c) exercise or protect the rights, property, or personal safety of, our Users or others.
  • Business transfers. We may buy or sell/divest/transfer (including any shares in, or any combination of its products, services, assets and/or businesses. Your information such as user names and email addresses, User Content and other user information related to the Service may be among the items sold or otherwise transferred in these types of transactions. We may also sell, assign or otherwise transfer such information in the course of corporate divestitures, mergers, acquisitions, bankruptcies, dissolutions, reorganizations, liquidations, similar transactions or proceedings involving all or a portion of
  • Information you post on the Service. Any information or content that you voluntarily disclose for posting to the Service, such as User Content, becomes available to the public, as controlled by any applicable privacy settings. Subject to your profile and privacy settings, any User Content that you make public is searchable by other Users. If we remove information that you posted to the Service, copies may remain viewable in cached and archived pages of the Service, or if other Users have copied or saved that information. We are not responsible for the information that you choose to submit in your User Content, and any such information can be used, monetized, distributed, repackaged or otherwise commercialized for the benefit of, its Users and/or its Affiliates, business partners, marketing partners or other entities.
  • Aggregated or de-identified information. We may also aggregate or de-identify data and may share that data without restriction.
  • Advertising. We may also share certain information with our business partners to deliver advertisements that may be of interest to you. The Privacy Policy does not apply to, and we cannot control the activities of, third-party advertisers. Please consult the respective privacy policies of such advertisers or contact such advertisers directly in the event that you are communicated with in connection with the Service.
  • Otherwise with your consent or at your direction. In addition to the sharing described in this Privacy Policy, we may share information about you with third-parties whenever you consent to or direct such sharing.

6. How We Store and Protect Your Information

A. Storage and Processing

Your information collected through the Service may be stored and processed in the United States or any other country in which or its subsidiaries, affiliates or service providers maintain facilities. may transfer information that we collect about you, including personal information, to affiliated entities, or to other third-parties across borders and from your country or jurisdiction to other countries or jurisdictions around the world. If you are located in the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please note that we may transfer information, including personal information, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction, and you consent to the transfer of information to the U.S. or any other country in which or its parent, subsidiaries, affiliates or service providers maintain facilities and the use and disclosure of information about you as described in this Privacy Policy.

B. Keeping Your Information Safe cares about the security of your information and takes technical and organization measures to protect your data against accidental or unlawful destruction or accidental loss, alteration, unauthorized disclosure or access. These measures vary depending on the sensitivity of the information we have collected from you. However, no method of transmission over the Internet or via mobile device, or method of electronic storage, is absolutely secure. Therefore, while we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security. is not responsible for the functionality or security measures of any third-party or Provider.

To protect your privacy and security, we take steps (such as requesting a unique password) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from at all times. Do not share your password with anyone and do limit your access to your computer or other devices by signing off after you have finished accessing your account.

Participation in official “beta” trials may impose additional limitations specific to the trial due to technical limitations such as bugs and other errors. Due to the nature of the beta trials we cannot not guarantee the security of your Personal Information during such trials. You acknowledge and agree that your participation in any beta trials and your use of the Services during any such trial is at your own risk.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain Services, or parts thereof, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

For information about how to protect yourself against identity theft, please refer to the Federal Trade Commission’s website at

To find out more about’s security measures, visit

7. Your Choices About Your Information

A. Your Account Information and Settings

If you choose to set up a profile, you may update your account information at any time by logging into your account and changing your profile settings. You can also contact us at to change your preferences.

B. Email Promotions

You can stop receiving promotional email communications from us by clicking on the “unsubscribe link” provided in such communications. We make every effort to promptly process all unsubscribe requests. You may not opt out of Service-related communications (e.g., account verification, purchase and billing confirmations and reminders, changes/updates to features of the Service, and technical and security notices). If you have any questions about reviewing or modifying your account information, you can contact us directly at

8. How Long We Keep Your User Content

Following termination or deactivation of your User account, may retain your profile information and User Content for an additional period of time for backup, archival, or audit purposes. In certain circumstances, we are required by Federal and State regulations to store various information. In order to comply with those requirements, we may be unable to delete your information from our database until the expiration of the applicable period.

9. Children’s Privacy does not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as Users. The Service and its content are not directed at children under the age of 13. In the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at

10. Links to Other Web Sites and Services

We are not responsible for the practices employed by websites or services linked to or from the Service or to which you direct to retrieve information, including the information or content contained therein. Please remember that when you use a link to go from the Service to another website, our Privacy Policy does not apply to third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on our website, are subject to that third-party’s own rules and policies. In addition, you agree that we are not responsible, and we do not have control over, any third-parties that you authorize to access your User Content. If you are using a third-party website or service and you allow such a third-party access to your User Content, you do so at your own risk. is also not responsible for sites directing you to Our Terms of Service and Privacy Policy do not apply to those third-party sites either.

11. Your California Privacy Rights

California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits Users who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third-parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third-parties with which we shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to:

Online Privacy Coordinator Group Inc.
156 2nd Street
San Francisco, CA 94111

12. Complaints and How to Contact Us

To make a complaint about a privacy-related matter, or to request access or correction of your personal information, or if you have any questions about this Privacy Policy or the Service, please contact us at or by phone at (916) 438-9262. We will review all complaints and determine whether the matter needs further investigation. In the event an investigation is conducted concerning your personal information, we will notify you of the outcome of the investigation.

13. Changes to Our Privacy Policy may modify or update this Privacy Policy from time to time to reflect the changes in our business and practices, and so you should review this page periodically (  By downloading, registering with, accessing or using the Services, you agree to this Policy. This Policy may change from time to time. Your continued use of the Services after we make changes is deemed to be acceptance of those changes, so please check this Policy periodically for updates.