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Privacy & Security Policy

Date Last Revised: August 15, 2018

Iontuition respects the privacy of visitors to iontuition.com (the “Website”) and users of Iontuition’s services (the “Services”). This Privacy Policy outlines the information we will collect and how we will use that information. Please read this web page carefully. If you are not comfortable with the policies and practices it describes, you should not use the Website or the Services. As noted below, we may change this Privacy Policy at any time in our sole discretion.

As used herein, the words “User,” “you” and “your” mean users of the Website and the words “we,” “our,” “us” and “Iontuition” mean Iontuition, Inc., the owner and operator of the Website, and Iontuition, Inc.’s affiliate i3 Group, LLC, the provider of certain of the services provided through the Website.

Collection of personal information from you

We will not collect any personal information about you unless you provide it to us voluntarily. For example, we request personal information, such as your name, mailing address, e-mail address and credit card information when you register for Services.

When you provide us with personal information, we will use that information to provide the Services and may, among other uses: use the information to provide services and products; store and process the information to better understand your needs and how we can improve our services and products; use the information to contact you for informational, marketing and promotional purposes; or disclose that information when we contract with a third party to deliver e-mail or provide other services on our behalf. Any manner in which we will use any personal information other than those listed in the preceding sentence will be disclosed when you provide the information. We will, and by your use of our Services you expressly authorize us to, use the information you provide in the manner disclosed.

Except as stated in this Privacy Policy or the Terms of Use, or as otherwise stated at the time personal information is gathered, we will not provide personal information to third parties, although certain non-personal User information may be provided in aggregate form to third parties.

Collection of personal information from third parties

We gather and consolidate available account information from institutions with which you have a relationship, including your or your dependent’s government-guaranteed 20 USC 1070 Title IV loan type data, account information, personal data, payment data, historical account data, and other data on each of your loans under the Title IV program ("Account Information"). You acknowledge and agree that the Account Information is obtained from various third party entities ("Data Providers") on your behalf, and as your agent and service provider. Such Data Providers include the U.S. Department of Education's ("ED") National Student Loan Database System, your institution, your employer, your Title IV lender or loan servicer appointed by the lender, the guaranty agency or the ED from time to time or any private student loan lender you have authorized data to be provided from. The Account Information is obtained by using data access credentials you provide at the time of registration, or pursuant to these Terms of Use and through an agreement between us and the applicable Data Provider. All of your Account Information is stored in our databases for your use in connection with the Services.

You agree that the Data Providers, not Iontuition, are responsible for maintaining Account Information with proper and sufficient accuracy and authority in accordance with all governing laws and regulations. Iontuition makes no effort to verify any Account Information for any purpose, including accuracy, legality, or non-infringement.

Sharing your personal information

We do not sell, trade or rent your personal information to others. We will provide information to third parties to the extent necessary to enable them to provide Services for which you subscribe. These third parties may also require more information from you. You acknowledge that these third parties have their own privacy practices and that you should review and understand their privacy policies and website terms of use when using services provided by them.

You agree that we may share your information with Lenders and other third parties to provide you with potential loan choices.

We may also provide information to third parties to the extent necessary to enable them to provide services on the Website, such as delivery or tracking of advertisements.

In each instance, your information would not be used by Iontuition in any manner that is inconsistent with this Privacy Policy without your prior permission.

As discussed below under “Collection and use of non- personal information,” we may provide aggregate statistics about our users, traffic patterns and related site information to our clients or for other marketing and promotional purposes.

Compliance with Law

Any collection or use of personal information will comply with applicable law.

The Website and our services are designed solely for residents of the United States. Although we maintain appropriate administrative, physical, and technical safeguards for protection of the security, confidentiality and integrity of all electronic data or information submitted to our service, neither the Website or our Services have been certified as compliant with the EU General Data Protection Regulation (GDPR), which covers personal information of residents of the European Union. If you are a resident of the European Union you should not use the Services or submit personal information.

Effect of Legal Obligations upon this Privacy Policy

We may disclose your personal information in special cases when we have reason to believe that disclosing this information is necessary to comply with law; to cooperate with or seek assistance from law enforcement; or to identify, contact or bring legal action against someone who may be causing injury to or interference with our rights or property, other Website users or anyone else. We may also disclose User information when necessary to enforce our Terms of Use.

How You Can Access Or Correct Your Information

You can edit, correct or remove any or all of the personal information you provide us by accessing the account you create when you subscribe for a Service. Remember, however, that removing personal information may limit your ability to access some or all of the features of the Services and Website. In addition, to keep you in control of your personal information and the communications directed to you, we allow you to opt-out of receiving communications from us about new Services or Website features.

Collection and use of non-personal information

We may also collect information about you that is not personal. Examples of this type of information may include:

  • your age, gender, interests and preferences;
  • the domain name of the website from which you linked to the Website; your domain type (com, .net, .edu, etc.); the server your computer is logged into; your IP address (a unique number that is automatically assigned to your computer whenever you are surfing the Web; many Web servers automatically identify your computer by its IP address); and other standard information included with every communication sent on the Internet, such as browser type, operating system, browser language, service provider, and local time.

We may share this information with advertisers, business partners, sponsors and other third parties. For example, we may inform a sponsor that the membership of the Website is x percent females and y percent males. This data is used to customize the Website’s content and advertising, and to deliver a better experience for our members and users.

We also collect data from the Web logs of our computers that deliver content on the Website, including information about what you view. Along with information gathered from our other users, we create “aggregate data” reports that we may disclose to third parties. We may also study aggregate data in order to enhance our existing services or develop new services.

We can and will use IP addresses to identify a user when we feel it is necessary to enforce compliance with our terms of use or to protect our service, site, customers, or others.

Use of cookies

When you view the Website, we may store some information on your computer. This information will be in the form of a “Cookie” or similar file and will help us in many ways. Cookies are small text files placed on your computer’s hard drive, so that we can recognize you the next time you visit the Website. For example, cookies are used to allow us to track your movements when you visit the Website to help us determine what type of information to present to you and to tailor the Website to better match your interests and preferences.

The use of cookies is an industry standard - you’ll find them used at most websites. With most Internet browsers, you can erase Cookies from your computer’s hard drive, block all Cookies, or receive a warning before a Cookie is stored. Please refer to your browser instructions or help screen to learn more about these functions.

Public Forums

The Website may make discussion boards, groups and/or other public forums available to its users. Please remember that any information that is disclosed to these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

Children

This Website is not directed at persons under 18 years of age and our content and other services are not written, intended, or designed for persons under 18 years of age. We do not intend to collect any personal information from such individuals. Where appropriate, we will specifically instruct children not to submit such information on the Website. If a child has provided us with personal information, a parent or guardian of that child should contact us at the mailing address or e-mail address listed at the bottom of this Policy if he would like this information deleted from our records. We will use reasonable efforts to delete the child’s information from our existing files.

Links to Other Websites

The Website may allow links to other websites as stated in our Terms of Use. When you click on such a link, you will leave the Website. The privacy policy of the external Web site will then be in effect, not Iontuition’s. We assumes no responsibility for the information practices of sites you are able to access through the Website. These links to other sites do not imply affiliation or endorsement of a linked site in any way.

Confidentiality and Security

We have implemented generally accepted security standards to protect information from loss, misuse and unauthorized access, disclosure, alteration or destruction. Only Iontuition employees and independent contractors have access to the information we collect, and these employees and independent contractors are made aware of and required to comply with our privacy policy.

Any personal information you give out online – such as in discussion boards or groups -- can be collected and used by people you don’t know. While we strive to protect your information and privacy, we cannot guarantee the security of any information you disclose online and you do so at your own risk.

The importance of security for all personal information associated with our users and members is of utmost concern to us. Unfortunately, no data transmission over the Internet can be guaranteed to be secure. As a result, while we strive to protect your personal information, we can’t ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your personal information, we will take reasonable efforts to ensure its security on our systems.

Your account on the Website is password-protected so that only you can access it and view the member information relevant to the account. We recommend that you do not divulge your password to anyone. We will never ask you for your password in an unsolicited phone call or e-mail. Ultimately, you are responsible for maintaining the secrecy of your passwords and any account information. Remember to sign out of your account on the Website and close your browser window when you have finished your work. This is to ensure that others cannot access your personal information and correspondence if your computer is accessible to others, if you share a computer with someone else or if you are using a computer in a public place like a library or an Internet café.

Who is collecting your information

Your information is being collected solely by Iontuition. See Sharing your personal information above concerning the circumstances under which we may disclose certain of your information to third parties.

Retention of information

Any information we collect may be retained for an indeterminate period of time.

Business Transfers

As Iontuition continues to develop, our business may be sold, merged or otherwise transferred to another entity. The personal information you have provided at the Website may be transferred as part of that transaction. However, we will take steps to assure that any personal information is used in a manner consistent with the Iontuition privacy policy under which it was collected.

Questions

If you have questions or concerns regarding this Privacy Policy, please contact us at info@iontuition.com

Changes to this privacy policy

This page sets forth our Privacy Policy as of August 15, 2018. All versions of this privacy policy are dated with the effective date (the date on which the policy was posted to the Website). We will only use the information we learn about you in the manner described in the Privacy Policy in effect when the information was collected from you. However, we reserve the right to change the terms of this Privacy Policy at any time by posting revisions to our site.

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