Consolidation411.com - Your Source for Student Loan Consolidation

CONSOLIDATION411.COM, an Internet property of DIGITRACTION INCORPORATED (“Digitraction,” “us” or “we”), has created this privacy policy (the “Privacy Policy”) in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our web site with this in mind. Digitraction is fully committed to 100% permission-based marketing. You agree to this Privacy Policy, in its entirety, when you: 1) access or use our web site located at www.consolidation411.com (the “web site”); 2) agree to receive e-mail from us; 3) obtain, or attempt to obtain, Student Loan Consolidation services (the “Service”) at this web site or at a web site belonging to an affiliate of Digitraction.

This policy does not apply to the practices of companies that Digitraction does not own or control, or to people that Digitraction does not employ or manage. In addition, certain Digitraction associated companies have their own privacy statements which you should review as well.

This Privacy Policy will address the following:

A. the information this web site collects.
B. What this web site does with the information it collects.
C. With whom this web site shares the information it collects.
D. Our web site's opt-out policy.
E. This web site's policy on deactivating your name from our database.

For purposes of compliance with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the “GLB Act”), this Privacy Policy shall serve as both your initial customer relationship and annual “Privacy Notice” as defined under the GLB Act. If you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for direct marketing purposes, please see the opt out policy below and follow the steps required to opt out.

Information Collected

Online Registration/Application

We provide an online application and/or information request forms to process your request for Service. Understand that the information that you submit is voluntary, but required if you request student loan consolidation service, whether or not you enter into a formal application with any service providers. Upon registration, users may be required to provide personal information on the application and/or request form including, but not limited to, the following: (collectively, “Personal Information”):

Answers to various eligibility questions, including providing information (or authorizing us to locate information) concerning your personal loan status.
Name
E-mail address
Street Address
Zip Code
Home Telephone Number and Work or Mobile Telephone Number
Date of Birth
Social Security Number
Higher Education Information

Digitraction reserves the right to transfer and/or sell aggregate or group data about Digitraction users for lawful purposes. Aggregate or group data is data that describes the demographics, usage or other characteristics of Digitraction users as a group without disclosing personally identifiable information. By submitting your Personal Information to, and/or using, the web site, you agree to allow Digitraction to transfer and/or sell such aggregate data to third-parties. Notwithstanding the foregoing, Digitraction agrees not to share the Social Security Number of California State residents with third-parties without first obtaining their consent to do so pursuant to the terms and conditions set forth in the California Financial Privacy Act (“CFPA”).

IP Addresses

We use your IP address to help diagnose problems with our server, and to administer our web site. Your IP address is used to gather broad and specific demographic information as well as for validation purposes.

Cookies

We may use cookies to deliver content specific to your interests, to save your password so that you do not have to re-enter it each time that you visit our web site (if you choose), and for other purposes.

Web Site Tracking Software

Web servers, or those of third-party vendors, utilize certain tracking software to capture your domain name address (the address of your Internet service provider) for purposes of tracking web site statistics. Note that we only collect information about you when you voluntarily provide that information through an application or registration, by visiting the web site request form, or some other web site activity we may provide from time to time. The capture of your domain name is a common practice among web sites for measuring the number of hits, pages visited, and length of user session. We use this information to measure the effectiveness of the web site offerings in order to service you better.

Sharing of Information

In order for us, and our affiliated companies and vendors, to service your requests, process your applications, and conduct business from day-to-day, we must share your Personal Information (other than user student loan-specific financial information obtained from the National Student Loan Data System (“NSLDS”)) with other companies. These companies may include, but are not limited to, student loan service providers and lenders. We reserve the right to share this Personal Information in accordance with the terms of the GLB Act and, for California State residents only, the CFPA. For purposes of compliance with the CFPA, Digitraction will not share “nonpublic personal information” (as defined in the CFPA) with its affiliates without providing California State residents with an annual notice explaining that Digitraction will be sharing this nonpublic personal information with affiliates of Digitraction. Notwithstanding the foregoing, the nonpublic personal information of California State residents shall not be shared by Digitraction with nonaffiliated third-parties unless: i) Digitraction has obtained a fully executed consent acknowledgement from the applicable California resident; or ii) the California resident already has a relationship with a nonaffiliated financial institution pursuant to, and as defined under, the CFPA.

By submitting your e-mail address at the web site and/or submitting an application for the Service, you agree to receive e-mail marketing from Digitraction, Service providers and our third-party advertisers. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). With respect to the ATSR, and notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List, Digitraction retains the right to contact you via telemarketing in accordance with the terms of the ATSR. Moreover, by registering with, or requesting information from, a Service provider or a third-party advertiser at or through the web site, such action shall constitute a purchase, an inquiry and/or an application with the respective Service provider or third-party advertiser for purposes of their compliance with the ATSR and you may be contacted via e-mail, direct mail and/or telemarketing by such Service provider or third-party advertiser in accordance with the terms of the ATSR.

Sharing of Information (Continued)

We use the registration data that you supply to personalize your experience with the web site, to evaluate whether you are qualified for the Service and for verification purposes. The personally identifiable information that you submit to Digitraction remains your property, but by submitting that information to Digitraction you grant Digitraction the right to use that information for marketing purposes. Any and all student loan-specific financial information that we collect as part of your service application, and from third-parties (including, but not limited to, the NSLDS, consumer reporting agencies, consumer credit bureaus and other outside parties as permitted or required by applicable laws) will be used to determine your eligibility for the service and will not be shared with third-parties other than our affiliate service providers for purposes of evaluating your qualifications for student loan consolidation and provision of such service, should you qualify. If you choose to provide information such as your Social Security Number, we may use that information to determine the status of your student loans by utilizing the NSLDS or for any other lawful purposes. If you do not provide such information, we may also use other information that you provided for the purpose of verifying your eligibility for student loan consolidation or for any other programs, offers, or services.

We may sell our user information (other than: 1) user student loan-specific financial information obtained from the NSLDS; and 2) your Social Security Number if you are a California State resident) and/or join together with other businesses to bring selected opportunities to our members. Digitraction is able to offer its services to you, in part, based on your willingness to be reached by our third-party advertisers. This information may also be shared with advertisers on an aggregate basis. We also use contact information from your registration data to send you information about Digitraction and to keep you informed of our other products and services that may be of interest to you. Please keep in mind, that Digitraction does not control, and is not responsible for, the practices of our third-party advertisers. Your contact information is also used to reach you, when necessary, regarding issues concerning the use of the web site. If you wish to stop receiving future communications from us and/or third-party advertisers, please see the Opt-Out/Unsubscribe section below.

Digitraction reserves the right to release current or past user information: a) in the event that we believe that the web site and/or the Service is being or has been used in violation of the web site Terms and Conditions or to commit unlawful acts; b) if the information is subpoenaed; or c) if Digitraction is sold or acquired. Moreover, you hereby consent to disclosure of any record or communication to any third-party when Digitraction, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your e-mail address with other third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time.

Our Web Site Information

Consolidation411 may revise the information, services, it's special benefit programs and the resources contained in this web site from time to time and we reserve the right to make such changes without obligation to notify past, current or prospective visitors.

Other Web Sites

This web site may contain links to other third-party owned and/or operated web sites. Digitraction is not responsible for the privacy practices or the content of such web sites. Additionally, Service providers and marketing partners provide certain components of the Service. Some of these Service providers and marketing partners may require the transfer of some or all of the registration data that you supplied to Digitraction. When necessary, Digitraction provides this information to the Service providers and our marketing partners (excluding California State resident Social Security Numbers). In some cases, you may be able to make a purchase through one of their third-party web sites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such web site. These third-party web sites have separate privacy and data collection practices and Digitraction has no responsibility or liability relating to them.

Security

All collected information is stored in a technically and physically secure environment. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. Our employees are dedicated to ensuring the security and privacy of all Digitraction user information. Employees not adhering to our firm policies are subject to disciplinary action. All personal information provided to us online is encrypted using SSL or 128-bit encryption technology which is the internet standard for secure communication online.

Minors

Visitors under 18 years of age are not permitted to use and/or submit their personal information at our web site. Digitraction does not knowingly solicit or collect information from visitors under 18 years of age.

Opt-Out/Unsubscribe

To stop receiving future communications from Digitraction, please e-mail us at info@consolidation411.com with unsubscribe - all services. To opt-out of having your information shared with third-parties, other than Service providers, please e-mail us at info@consolidation411.com with unsubscribe – third-parties in the subject header.

Changes in Privacy Policy

Digitraction reserves the right to change or update this Privacy Policy at any time by posting a notice at the Web Site explaining that we are changing our Privacy Policy. If the manner in which we use personally identifiable information Digitraction will notify its users by posting the changes on the web site. The user's continued use of the Digitraction service and/or continued receipt of Digitraction e-mails constitutes an affirmative acknowledgement and acceptance by the user of the modified Privacy Policy.

Contacting the Web Site

Our Contact Us page contains information that allows you to contact us directly with any questions or comments that you may have. We listen to or read every message sent in and endeavor to reply promptly to each one. This information is used to respond directly to your questions or comments. If you have any questions about this Privacy Policy or the practices of CONSOLIDATION411, please feel free to contact us at
info@consolidation411.com.