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Privacy & Security Policy

Date Last Revised: October 21, 2015

Welcome to iontuition.com

THIS IONTUITION.COM PRIVACY AND SECURITY POLICY (THIS "PRIVACY POLICY") DESCRIBES HOW CERTAIN INFORMATION MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW THIS PRIVACY POLICY CAREFULLY.

By accessing and using of this Internet web site and any other web site and all devices or applications that link to this Privacy Policy (each a "Site"), providing your Personal Information (as defined below) in connection with a Site, your use of our products or services through a Site ("Services"), or your use of products or services offered through a site by a third party service provider ("Service Provider"), you signify your assent to this Privacy Policy. The Sites are owned and operated by or on behalf of IonTuition, a Delaware corporation, and/or its successors, parents, subsidiaries, affiliates, or related companies (collectively referred to as "IonTuition," "we," "our," or "us").

In addition to this Privacy Policy, IonTuition has established Terms of Use that set forth the general rules and policies governing your use of the Sites (the "TOU"). A copy of the TOU can be found here.

1. IonTuition's Commitment to Your Privacy

IonTuition is committed to maintaining the privacy of your Personal Information. We have created this Privacy Policy in order to demonstrate our commitment to privacy for our online users. This Privacy Policy discloses our information gathering and dissemination practices. At IonTuition, our most important asset is our relationship with you.

Please note:The laws and regulations in different countries impose different (and even conflicting) requirements on the Internet and data protection. IonTuition is located in the United States and the services we provide through the Sites are intended for U.S. users only. All matters relating to the Sites are governed by the laws of the State of Delaware in the U.S., without reference to its conflicts of law rules that would result in the application of the laws of another jurisdiction. Please note that any information you provide will be transferred to the U.S., and by using a Site or providing IonTuition your Personal Information, you expressly consent to, and authorize, this transfer.

2. Collection, Use, and Disclosure of Your Personal Information

Under this Privacy Policy, "Personal Information" refers to information that specifically identifies you, such as your name, social security number, date of birth, address, phone number, fax number, and email address. Personal Information also includes payment information, such as your payment card number, expiration date, card verification number, and any other information necessary to complete payment transactions.

Neither IonTuition nor The i3 Group, will sell or rent your Personal Information. IonTuition and Service Providers may use and disclose your Personal Information only as follows:

  • to analyze Site usage and improve the Sites and the Services;
  • to deliver to you any administrative notices, alerts, and communications relevant to your use of the Services;
  • to facilitate and fulfill payment orders placed on Sites for a subscription to our Services;
  • to fulfill your requests for Services and provide you with support;
  • for market research and project planning;
  • to provide you with information about IonTuition's and our business partners' products and services that may be of interest to you;
  • to troubleshoot problems and detect and protect against error, fraud, or other criminal activity;
  • to third-party contractors that provide services to IonTuition who are bound by these same privacy restrictions;
  • to enforce our rights against you or in connection with a breach by you of this Privacy Policy or the TOU;
  • to investigate, prevent, defend against, or take other action regarding violations of the TOU, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of IonTuition's network or the Services;
  • when required by any applicable law, rule, regulation, subpoena, or other legal process; and
  • as otherwise set forth in this Privacy Policy.

In the event that you access the Services as brought to you by one of our co-brand partners, through a co-branded URL, your email address used for registration on the Services may be provided to that co-brand partner.

Employees and agents of IonTuition or Service Providers for IonTuition may have access to your Personal Information. All IonTuition and Service Provider employees and agents who may have access to your Personal Information are bound by the security policies and practices described herein and are bound by confidentiality obligations to IonTuition.

IonTuition may also share your Personal Information with third party vendors or Service Providers we use to send email messages on our behalf or to host and/or operate a particular feature or functionality of the Services, such as to process your purchases or notify you of account registration, password changes, profile updates, or loan status changes. Additionally, IonTuition may share your Personal Information with Service Providers, including The i3 Group, that we use to offer you support via telephone or web chat. All third party vendors or Service Providers are bound by confidentiality obligations that require the protection of your Personal Information.

When you visit a Site, we may collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on the Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve application or web design and functionality.

When you use the mobile versions of a Site, we may collect the unique device identifier assigned to your mobile device by phone makers, carriers, or makers of the operating system (the "Device ID"). Device IDs allow app developers, advertisers, and others to uniquely identify your device for purposes of storing application preferences and other data. We may use your Device ID for security purposes.

If IonTuition or our assets are acquired by another company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, IonTuition may transfer, sell, or assign to third parties information concerning your relationship with IonTuition, including, without limitation, Personal Information that you provide or that has been provided on your behalf (e.g., by your parent or guardian) and other information concerning your relationship with IonTuition. Such third parties will assume responsibility for the Personal Information collected by IonTuition or its Service Providers in connection with IonTuition's business operations or through the Sites and such third parties will assume the rights and obligations regarding such information as described in this Privacy Policy.

3. Registration for the Sites

You are required to register on the designated Site to use certain features of the Services. To register, you must provide your email address, a password, and certain Personal Information (collectively the "Registration Information") via the Site. Certain functions of the Services, such as retrieval of Account Information (as defined in the TOU), require your username, passwords, and other account credentials ("Account Credentials") in order for us to access and retrieve Account Information from third party loan providers, servicers, and other Data Providers (as defined in the TOU) on your behalf. Certain versions of the Sites (e.g., mobile phone apps) may require that you first sign up on the web version of the Site before you can use the other version of the Sites.

From time to time we may request other Personal Information to provide you with other benefits of the Services. In all such instances, you are not required to provide such Personal Information and you may decline to participate in the Services.

4. Information Uploaded to a Site

In addition to the types of information we collect from you disclosed herein, you may be allowed to upload personal documents and other information to a Site. The documents and other information that you upload may include Personal Information. We are not responsible for the information you choose to upload to a Site. Please see our applicable TOU on this point and for other guidelines about uploading content to the Sites.

5. Collection of Social Security Numbers

In connection with accessing Account Information from third party Data Providers, you are required to provide your social security number ("SSN") to validate your identity with such Data Providers' sites and only to the extent required by such third party Data Provider. You are not required to submit your SSN to become a registered user of a Site. If you do provide your SSN where required to access and retrieve Account Information from a Data Provider, IonTuition will use it only as necessary to access Account Information from such Data Provider on your behalf, in connection with the Account Credentials or other authorization you provide to us.

When your SSN is collected or transmitted over the Internet, the data transmission will be encrypted. We will endeavor, to the extent practicable, that no individual associated with IonTuition obtains, stores, transfers, uses, discloses, or disposes of an SSN that IonTuition has obtained or possesses except in accordance with applicable law and this Privacy Policy. Access to and/or disclosure of your SSN is restricted to employees, agents, and authorized third parties who have a legitimate business need for access. We may disclose your SSN to other third parties as legally required.

6. IonTuition's Disclosure of Non-Identifiable Personal Information

IonTuition and The i3 Group may make anonymous or aggregate disclosure of your Non-Identifiable Information relating to your access or use of the Sites and Services to advertisers and other third parties for informational, marketing, or promotional purposes. Such disclosure may result from cookies, widgets, and beacons on a Site.

"Non-Identifiable Information" does not identify you individually. Access to your Registration Information, Account Credentials, Account Information, and any other Personal Information you provide is completely restricted and used in accordance with specific internal procedures and safeguards governing access to operate, develop, or improve the Services.

7. IonTuition's Use of Cookies and Other Technologies on the Sites

The Sites may include cookies, including "persistent cookies," and other user tracking technologies (e.g., local shared objects) ("Cookies"). Cookies are text files that are placed on your device (e.g., computer) to store your preferences or for other record-keeping purposes. Cookies, by themselves, do not tell IonTuition or its Service Providers your Personal Information unless you choose to provide this information to IonTuition by, for example, registering on the Sites. However, once you choose to furnish IonTuition with Personal Information, this information may be linked to the data stored in the Cookie. Generally, we encode our Cookies so that only we can interpret the information stored in them.

IonTuition may use Cookies that remain on your device even after you close your browser or application, to understand general Services usage and volume statistical information (which does not include Personal Information) and improve the content and offerings on the Sites. For example, IonTuition may use Cookies to keep track of and personalize your experience at the Sites (e.g., to recognize you by name when you return to a Site) and to save your password in password-protected areas. IonTuition also may use Cookies to offer you products, programs, or services. While most browsers are set to accept Cookies by default, you can set yours to refuse tracking devices or to alert you before accepting them. However, by disabling tracking devices, you may not have access to the entire set of features of the Services. Your browser manufacturer has information on changing the default setting for your specific browser.

The Sites may also incorporate widgets, which are interactive mini-programs that run on the Sites to provide specific services from another company (e.g., displaying news, opinions, music, etc.). Personal Information, such as your email address, may be collected through a widget. Cookies may be used in conjunction with the widgets. Information collected by a widget is governed by the privacy policy of the company that created it. Though information may be directly collected from you by a widget, no Personal Information will be provided directly by IonTuition to third parties via widgets.

IonTuition may also use other standard Internet technologies, such as web beacons and similar technologies, to track your use of the Sites or to track your response to email messages that IonTuition sends you in connection with the Sites. Web beacons (sometimes called transparent GIFs, clear GIFs, or web bugs) are small strings of code that provide a way for IonTuition to deliver a small graphic image (usually invisible) on a web page or in an email. Web beacons can recognize certain types of information on your computer such as Cookies, the time and date a page is viewed, and a description of the page where the web beacon is placed. IonTuition may use web beacons to improve your experience on the Sites, including to provide you with content customized to your interests and to understand whether users read email messages and click on links contained within those messages so that the Sites can deliver relevant content. IonTuition's web beacons may collect some contact information (for example, the email address associated with an email message that contains a web beacon). The Sites also may include third-party web beacons so that these third parties may receive auditing, research, and reporting information about advertisements viewed on the Sites.

8. Changes to Your Registration Information

If your Personal Information changes you may update your profile by making the change on your My Profile page.

9. Third Party Service Providers

We may use Service Providers to help us analyze certain online activities. For example, these Service Providers may help us measure the performance of our online campaigns or analyze visitor activity on the Sites. We may permit these Service Providers to use Cookies to perform these services for IonTuition.

There may be a number of separate products and services offered by third parties advertised by us on the Sites and through the Services that may be complementary to your use of the Sites, such as lenders, banks, credit card issuers, and brokerage institutions (collectively, "Site Offers"). If you choose to use these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of external services providers before deciding to use their services. If you click on a link to a third party site, IonTuition encourages you to check the privacy policy of that site. IonTuition may present links in a format that enables us to keep track of whether these links have been followed and whether any action has been taken on a third party web site. We use this information to improve the quality of the Site Offers and customized content on the Sites.

Additionally, the Sites may contain links to other sites whose information practices may be different than ours. Visitors should consult the other sites' privacy notices, as IonTuition has no control over information that is submitted to, or collected by, these third parties.

IONTUITION DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR WHAT THIRD PARTIES DO IN CONNECTION WITH THEIR SITES OR HOW THEY HANDLE YOUR PERSONAL INFORMATION. PLEASE EXERCISE CAUTION AND CONSULT THE PRIVACY POLICIES POSTED ON EACH THIRD PARTY SITE FOR FURTHER INFORMATION.

10. Blogs and Other Forums on the Sites

If you use a bulletin board, blog, chat room, or similar public forums on a Site, you should be aware that any information you submit there can be read, collected, or used by other users and could be used to send you unsolicited messages. The protections described in this Privacy Policy do not apply when you provide information (including Personal Information) in connection with your use of these public forums. We may use personally identifiable and Non-Identifiable Information about you to identify you with a posting you make in a public forum. These forums may be hosted by IonTuition or by one of our Service Providers on IonTuition's behalf. We are not responsible for events arising from the distribution of any information you choose to publicly post or share through the Sites.

11. Contests, Giveaways, Promotions, and Surveys

From time to time, IonTuition or one of its Service Providers may offer you the opportunity to participate in contests, giveaways, and other promotions. You may decline to participate in any or all of the contests, giveaways, and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy Policy, except as specifically set forth in the rules for the applicable contest, giveaway, or promotion. We may use the information you provide when registering for a contest, giveaway, or promotion to manage your entry, fulfill prizes, which may include disclosure to third party entities that assist with such fulfillment, and for other marketing and promotional purposes related to the contests or sweepstakes as disclosed on the rules applicable to a particular contest, giveaway, or promotion.

From time to time, IonTuition or its Service Providers may also ask you to participate in surveys designed to help improve the Sites. Any Personal Information provided in connection with any survey will be used only in relation to that survey and as elsewhere set forth in this Privacy Policy.

12. Children

The features, programs, promotions, and other aspects of the Sites requiring the submission of Personal Information are not intended for anyone under 13 years of age. We do not knowingly collect personally identifiable information from children under the age of 13. If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed personally identifiable information to us please contact us at security@iontuition.com. A parent or guardian of a child under the age of 13 may review and request deletion of such child's personally identifiable information as well as prohibit the use thereof.

13. You Can Deactivate Your Account

If you wish to deactivate your account, please follow the applicable instructions in the TOU. When you request us to deactivate your account and/or cancel your subscription, we will promptly disconnect any connection we had established to third party Data Providers using your Account Credentials and we will use commercially reasonable efforts to remove from our servers any data you provided to us or that we collected on your behalf using your Account Credentials. To the extent that we have received data about you from other sources (e.g., your college, university, or other institution at which you are enrolled and/or currently attending or have attended in the past), we reserve the right to retain such data except as otherwise agreed with such other source. Despite the removal of any of the data you provided to us or that we collected on your behalf, portions of such data may remain on our production and back-up servers indefinitely. We keep these backups to ensure our continued ability to provide the Services to you in the event of malfunction or damage to our primary production servers. We also reserve the right to retain and use any aggregated or anonymous data derived from or incorporating your Personal Information, but we will not use such data in any way that identifies you personally.

14. Email Communications From Us

From time to time, we may send you emails in connection with certain features of your account(s), such as reminders of the due dates of loan payments. We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting the Sites or third-party goods or services.

Users have the ability to opt-out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails, such as email alerts.

15. Security

When IonTuition or one of its Service Providers collects Personal Information directly from you, we follow generally accepted industry standards to protect the submitted Personal Information. All personally identifiable and confidential information is segregated from other information and appropriate protection mechanisms are in place based on the criticality of the information being protected. The only information that is stored is that which is needed to retrieve initial student loan information and subsequent student loan updates. All Personal Information is encrypted using a minimum of AES-256 encryption while in storage, in transit, and at rest. Multi-level encryption is used to this end. IonTuition takes every precaution possible and conducts consistent and regular security assessments, penetration tests, and vulnerability scans to ensure the safety and security of your Personal Information at all times.

IonTuition uses a combination of firewall barriers, encryption techniques, and authentication procedures, among others, to maintain the security of your online session and to protect Site accounts and systems from unauthorized access. However, no method of transmission over the Internet or method of electronic storage is 100% secure. If you have any questions about security on the Sites, you can contact IonTuition at security@iontuition.com.

16. Our Service Ensures Secure Communications with Encryption

From the time you submit your email address and password to log in to a Site, communications between your computer and the Site are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering, and message forgery.

17. You Are Responsible For Maintaining the Confidentiality of Your Password

We maintain strict rules to help prevent others from guessing your password. We also recommend that you change your password periodically. You are responsible for maintaining the security of your password. You may not provide your password to any third party. If you believe that it has been stolen or been made known to others, you must contact us immediately at security@iontuition.com, but in any event you should change your password immediately via the Site. We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy Policy or the TOU.

If you have a security related concern, please contact us at security@iontuition.com. We will work closely with you to ensure a rapid and personal response to your concerns.

18. We Post Updates on the Sites Whenever there is a Change to Our Privacy Policy

IonTuition and its Service Providers will abide by the terms of this Privacy Policy while it is in effect. This current Privacy Policy takes effect on the date specified above, and will remain in effect until IonTuition replaces it. IonTuition reserves the right to change the terms of this Privacy Policy at any time, as long as the changes are in compliance with applicable law. If IonTuition changes the terms of this Privacy Policy, changes take effect immediately upon posting, and the new terms will apply to all Personal Information that we maintain, including Personal Information that was created or received before such changes were made. If we change this Privacy Policy, we will post the new Privacy Policy on the Sites and will make the new Privacy Policy available to you upon request. You agree to accept electronic communications and/or postings of revised versions of this Privacy Policy on the Sites and agree that such electronic communications or postings constitute notice to you of the revised version of this Privacy Policy.

19. Your California Privacy Rights

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our customers 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 IonTuition 1701 Golf Road Rolling Meadows, IL 60008 , Attn: Chief Information Officer. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response.

20. Contact Us if You Have Any Questions or Concerns

If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy or security concern, please contact us.

Our postal address is:

IonTuition
1701 Golf Road
Rolling Meadows, IL 60008

We can be reached via email at: security@iontuition.com

You can reach us by telephone at: 1-855-456-2656

During the following hours:

Monday-Thursday: 8am – 8pm (Central time)
Friday: 8am – 5pm (Central time)

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