WHY THIS MATTERS
We want to build an indispensable platform to aid people in making smart comparisons and connecting them to companies for their financial needs. Knowing certain things will help us do that better.
PERSONAL DATA THAT YOU PROVIDE THROUGH THE SERVICES:
We collect Personal Data from you when you voluntarily provide such information, such as when you access, complete and/or use one of our online forms, tools or content items, contact us with inquiries, respond to one of our surveys, register for access to the Services or use certain Services.
If you complete one of our online forms, you may be asked to provide Personal Data in order to provide the Services as described:
Demographic Data: Contact data such as your name, address (including zip code), email, zip code, date of birth, social security number, and phone number.
Personal Records: Estimated credit score, payment history, employment status, ownership or rental history, income, education level and degrees, and other information.
Account Registration: If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account-related functionalities to our users.
Feedback and Support: If you provide us feedback or contact us for support, we may collect your name and e-mail address, as well as any other content that you send to us. We collect and use this data based upon our business need to receive and act upon your feedback or issues.
Surveys: If you voluntarily submit certain information to our services, such as filling out a survey about your user experience, we may collect the information you have provided. We may collect this information to understand your opinions, better market our services, and to collect relevant information about our business.
For clarity, Edukate/FinancialStress collects Personal Data from you to, in part, provide you with personalized content and information related to financial products, but Edukate/FinancialStress is not a lender, credit card issuer, bank or other similarly situated financial institution. Any loan or related product to which you may become a party is solely transacted between you and the applicable provider and is not a part of the Services.
INFORMATION AUTOMATICALLY COLLECTED
Whenever you interact with the Services, Edukate/FinancialStress may automatically receive and record information from your computer, browser and/or mobile device, which may include the following:
IP Addresses: The requests you make to Edukate/FinancialStress may contain your IP address (the Internet address of your computer). We may use visitors’ IP addresses for various purposes, including to display customized content and analyze and report upon usage of the Services; to diagnose and prevent service or technology problems affecting the Services; and to monitor and prevent fraud and abuse.
Device IDs: We may collect information on the type of device you are using, operating system, settings, browser and OS information, unique device identifiers, network information and other device-specific information. The information collected may depend on the type of device you use and its settings.
Location Data: We may collect location data based on your IP address and the geolocation of your device. We collect this data to better tailor our services to you and to help provide service offerings available to you in your geographic area.
Usage Information: We collect information about how you use our Services, such as the types and categories of content that you view or engage with, the features you use, the actions you take, and the time, frequency, and duration of your activities on the Site.
COOKIES, WEB BEACONS AND SIMILAR TECHNOLOGIES
Cookies & Analytics: A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Cookies help provide additional functionality to the Services, customize users’ experiences with the Services and help us analyze Services usage more accurately for research, advertising and marketing purposes. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Services’ features.
Please note that we use Google Analytics cookies for data analytics purposes, and you can find more information on how Google uses data from these cookies at google.com/policies/privacy/partners. You may choose to opt-out of Google Analytics by installing their opt-out browser add-on https://tools.google.com/dlpage/gaoptout/
You can learn more about cookies and the following third-party websites:
All About Cookies: http://www.allaboutcookies.org/
Network Advertising Initiative: http://www.networkadvertising.org/
Aggregated Personal Data: In an ongoing effort to better understand and serve the users of the Services, Edukate/FinancialStress often conducts research on our consumer demographics, interests, and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and Edukate/FinancialStress may share this aggregate data with our affiliates, agents, service providers, and other third parties with whom we do business. This includes, but is not limited to, information such as consumer financial trends, choices, and comparisons. This aggregate information does not identify you personally. Edukate/FinancialStress may also disclose aggregated user statistics in order to describe our services to current and prospective financial service providers, and to other third parties for other lawful purposes.
OUR USE OF YOUR PERSONAL DATA AND OTHER INFORMATION
- To identify and potentially personalize the Services when you visit our Site
- To provide products and services
- For fraud and information security
- To improve the Services
- To conduct analytics such as usage trends
- To respond to inquiries related to support or other requests
- To send marketing and promotional materials about the Services
- To manage our relationships
- To build aggregated user-profiles and segments
For more clarity, if you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email or provide feedback in any way such as to ask a question or report an issue with the Services, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to learn about certain products that may be available to you through third-party providers, we will use your Personal Data to provide you with information on such products and providers, to provide other personalized services, and/or to monitor your use of the Services.
Edukate/FinancialStress and our subsidiaries and affiliates (the “Edukate/FinancialStress Related Companies”) may also use your Personal Data and other personally non-identifiable information collected through the Services to help us improve the content and functionality of the Services, to better understand our users and to improve the Services.
Marketing: Edukate/FinancialStress and Edukate/FinancialStress’ financial providers with whom we share your information for product pricing may use your Personal Data to communicate with you by email, postal mail or by text message to provide you with:
- Information regarding your application status, or transactional information relevant to your account.
- Opportunities, surveys, and promotions related to your submitted request available through the services or products of our financial providers that we think may be of interest to you.
- Information or content – such as articles or white papers – that we believe would be of interest to you through email, text messages, or postal mail.
You may choose to unsubscribe from marketing emails or mail by emailing email@example.com or at the address below and asking to be removed from any correspondence. Although we will remove you from our marketing lists you may still receive transactional messages related to the Services.
OUR DISCLOSURE OF YOUR PERSONAL DATA
Edukate/FinancialStress is not in the business of selling your information to third parties. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below:
Certain Business Partners: When we partner with other businesses to provide content or services to you or to such business partners, we may share relevant Personal Data in connection with such content or services. For example, we will share your contact and other information with a lender and/or service provider if the information you provide in one of our online forms or tools matches certain criteria for loan products offered by such lender and/or loan originator.
Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets. Your Personal Data could also be shared with professional advisors and counterparties during such events.
Agents, Consultants and Related Third Parties: Edukate/FinancialStress, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases, and providing marketing assistance. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
Legal Requirements: Edukate/FinancialStress may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, including responding to a subpoena, warrant, or other legal process, (ii) protect and defend the rights or property of Edukate/FinancialStress, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.
OTHER IMPORTANT INFORMATION
Your Choices: In general, you can visit the Services without providing Personal Data. If you choose not to provide any Personal Data, however, you may not be able to use certain features of the Services.
Registration/Account Information: If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users. If you choose to register and/or provide information, you agree to provide and maintain true, accurate, current, and complete information about yourself.
Please note that if you allow others to use your account (including others you permit to set up profiles under your account), they may be able to view information about your account or any of the profiles under your account.
If you no longer what to use our Services, you can deactivate your account by contacting us at firstname.lastname@example.org or at the address below.
Due to regulatory and information retention requirements, we do not delete your information when you deactivate your account. We will, disable your account and cease sending any communications.
Access To Information: We rely on you to ensure your information is accurate and up-to-date. To keep your Personal Data accurate, current and complete, please contact us as specified at the below address or email@example.com. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.
Social Media: Through the Site, you can choose to access certain social media websites and services that are owned and/or controlled by third parties (including, without limitation, Facebook, Twitter, Instagram, and others) (such websites and services, collectively, the “Social Media Services”). When you elect to access and use the Social Media Services, you will be sharing your information (which will include personal information if you elect to share such information) with those Social Media Services. As with other Third-Party Sites, the information that you share with the Social Media Services will be governed by the privacy policies and terms of service of the providers of such Social Media Services and not by the policies and procedures we describe here. You may also be able to modify your privacy settings with these Social Media Services to, for example, control what information the Social Media Services disclose to other entities, including Edukate/FinancialStress. However, please remember that the manner in which Social Media Services use, store, and disclose your information is governed by the policies of the applicable Social Media Services provider.
Security: Edukate/FinancialStress takes reasonable steps to protect the Personal Data provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or email transmission is ever fully secure or error-free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to Edukate/FinancialStress via the Internet.
By using the Services or providing Personal Data to us, you agree that we may communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services or by sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us at firstname.lastname@example.org.
If you are or believe you have become, a victim of identity theft, you may visit the website of the Federal Trade Commission at https://www.identitytheft.gov for free information to help guard against identity theft and guidance on the recovery steps you can take.
Other Terms and Conditions: Your access to and use of the Services is subject to the Terms of Service at https://financialstress.com/terms/.
YOUR CALIFORNIA PRIVACY RIGHTS
California Consumer Privacy Act (CCPA)
To keep your Personal Data accurate, current, and complete, please contact us as specified below. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.
You may contact us as follows:
101 S Garland Ave #108,
Orlando, FL 32801