Privacy Policy: Your Privacy Rights

Last modified: September 10, 2014

This website, and portions of other webpages or web content through which you have accessed this Privacy Notice (collectively, this “Website”), is owned and operated by EDPlus Holdings, LLC, doing business as Unigo Group (hereafter referred to as “we,” “us,” “our” or “Unigo”). For a list of Unigo’s divisions or lines of business and websites (collectively, the “Unigo Businesses”), please refer to the Unigo Businesses section below.

We want you to understand what information we gather from or about you, how we use it and the safeguards we have in place to protect it. Except in cases where alternative or additional information practices and privacy policies apply, this Privacy Notice applies to information collected through this Website and as otherwise specified in this Privacy Notice. See the Privacy Notice Scope section for more information.

Your use of this Website and our services, and any disputes arising from it, are subject to this Privacy Notice and this Website’s Terms of Use and all of its dispute resolution provisions, including arbitration, limitation on damages and choice of law.

Please read this Privacy Notice and the Terms of Use carefully to understand our policies and practices regarding your personal information and how we will treat it.

By accessing, using or submitting information to this Website, you agree to this Privacy Notice and our Terms of Use. Read below about your choices with respect to the information you provide to us and how you can opt-out of certain disclosures or activities. Additional privacy rights applicable to California residents are provided below.

Children’s Personal Information

This Website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

In the event that we learn that we have collected personal information from a child younger than 13 years old, we will delete that information and terminate the child’s account (if any). If you believe that a child under the age of 13 has provided us with personal information without verification of parental consent, please contact us at privacy@unigogroup.com.

Information We Collect About You

Depending which of our websites and services you are visiting or using, we collect and may collect several types of information from and about you, including information that can personally identify you, such as your name, postal address, e-mail address, telephone number, mobile number, fax number, short message service or text message address or other wireless device address, instant messaging address, credit card and other payment information, and social security number, as well as demographic information, education and scholastic information and any transaction you conduct or submit to on or through this Website, and any other information that would allow online or offline contact with you as an individual (collectively, “Personal Information”).

We also collect Website Usage Information (as defined below) and other information from and about you in a way that does not personally identify you or would allow online or offline contact with you as an individual (“Non-Personally Identifiable Information” or “Non-PII”). Non-PII, and in most instances, Website Usage Information (as defined below), by themselves, do not personally identify you or allow you to be personally contacted, but they can be combined with other information in a way that allows you to be identified or personally contacted. If this happens, we will treat the combined information as Personal Information.

We may also collect or collect and store information that you provide to us about other people (such as family members or co-borrowers in the case of www.estudentloan.com), including their name, postal address, telephone number, mobile number, and e-mail address for purposes of fulfilling the purposes for which you provide such information.

We may collect information from or about you in the following ways:

  • Information Provided by You. We collect information provided by you when you (1) inquire about or obtain our services or products; (2) communicate with us or request information about or from us, whether via e-mail or other means; (3) fill out forms or fields on this Website; (4) register as a user or sign-up for any of our newsletters, materials or services through this Website; (5) enter into online transactions; (6) create profiles; (7) provide college reviews or participate in our online surveys or questionnaires; (8) input information into our interactive programming features or participate in our online forums; (9) participate in any of our marketing initiatives, including contests, scholarship offers, events, or promotions; and (10) post to this Website or provide user-generated content or submissions to us, including without limitation media files, photos, videos, documents or other information, and contributions to a chat room, list serve, blog, or other open forum or community feature that we make available on this Website (“User Contributions”).
  • Information from Other Sources. We may collect information about you from other third party or public sources, such as from public forums, social networks (i.e., Facebook, LinkedIn, Twitter, or others), blogs, other users, or our business partners.
  • Automatic Information Collection. We and our service providers use automatic data collection technologies to collect and store Website Usage Information (as defined below). We also may allow third party advertising companies and ad networks to use automatic data collection technologies to collect Website Usage Information for purposes of providing interest based ads. See the Automatic Information Collection Technologies and Website Usage Information and the Third Party Advertisers and Interest-Based Ads sections for more information.

User Contributions

This Website may contain public areas, forums, or features that allow you to provide your User Contributions to be published or displayed or transmitted to other users of this Website. Your User Contributions are posted on this Website and transmitted to others at your own risk. For this reason, we recommend that you do not include any sensitive or personally identifiable information about yourself or others in your User Contributions for these areas of this Website. Please see our Terms of Use for more information concerning User Contributions.

Automatic Information Collection Technologies and Website Usage Information

We and our service providers automatically collect “Website Usage Information” from or about you, such as information about your computer or mobile device, IP address, web browser, computer or device platform, related software and settings you are using, browsing actions and patterns, the referring page that linked you to us and the website you visit after this Website, and other usage activity on this Website. Collection of Website Usage Information helps us to improve this Website and to deliver a better and more personalized service by enabling us to, among other things: (1) estimate our audience size and usage patterns; (2) store information about your preferences, allowing us to customize this Website according to your individual interests; (3) speed up your searches; and (4) recognize you when you return to this Website.

The automatic collection technologies we and our service providers may use for this automatic information collection include:

  • Cookies (or browser cookies). A cookie is a small data file that is sent to your browser or related software and stored on your computer’s hard drive when you visit a website. Generally, cookies can track what you look at and where you travel on websites and what transactions you make. They can also store Personal Information about you, including your username and password. A “session cookie” expires immediately when you end your browsing session with the particular website. A “persistent cookie” stores information on your hard drive so when you end your browsing session and return to the same website later, the cookie information is still available. This Website may use both types of cookies.
  • Flash Cookies. Certain features of this Website may use locally stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on this Website.
  • Web Beacons. Pages of this Website and any e-mails we send to you may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened our e-mails and for other related website analytics (e.g., recording the popularity of certain website content and verifying system and server integrity).

For more information about managing your privacy settings regarding automatic collection of Website Usage Information, see the Choices about How We Use and Disclose Your Information section.

Third Party Advertisers and Interest-Based Ads

With the exception of certain of our webpages, services or features that may collect sensitive Personal Information such as financial information, we may permit third party advertising companies or ad networks to display third party advertisements on our websites and/or automatically collect Website Usage Information from our websites for purposes of determining your preferences and delivering interest-based advertising and content to you, whether for our products or services or other companies’ products or services.

These third party advertisers may combine the Website Usage Information with Personal Information you directly submit to them or that they receive from other sources, or the Website Usage Information they collect may include information that could allow someone to specifically contact you online without necessarily knowing your identity. We do not have access to or control over the automatic collection technologies that these third party advertisers may use, and the information practices of these third party advertisers are subject to these parties’ respective privacy policies, not this Privacy Notice.

You may want to receive interest-based ads for several reasons. Interest-based ads are helpful because they are more likely to be tailored to your particular interests. They are also more likely to help you discover new products and services that are actually relevant to you and your interests. Also if interest-based tracking is enabled, you likely will not see the same ads over and over because the number of times you see a particular interest-based ad is usually limited. By opting-out of interest-based ads, you lose all of these benefits. If you would like more information about opting-out of interest-based ads or would like to opt-out, see the Choices about How We Use and Disclose Your Information section or visit the opt-out pages of the Network Advertising Initiative (“NAI”) and Digital Advertising Alliance (“DAA”). We follow the DAA’s Self-Regulatory Principles for Online Behavioral Advertising.

Links to Third Party Websites and Social Media Widgets

This Website and all electronic communications sent in connection with this Website, may contain links to other websites that are owned and operated by third parties. Links to third parties from this Website are not an endorsement by us of such third parties, or their websites, products, services, or practices. We do not control, and are not responsible for, the privacy and security practices of these third parties. We recommend that you review the privacy and security policies of these third parties to determine how they handle information they may collect from or about you.

This Website may also include social media features, such as the Facebook Like button, Google Plus, and Twitter widgets. These features may collect information about your IP address and which page you are visiting on this Website, and they may set a cookie to make sure the feature functions properly. Your interactions with these features and the information from or about you collected by them are governed by the privacy policies of the companies that provide them.

How We Use Your Information

We use your information, including any Personal Information, to:

  • Provide products and services requested by you;
  • Provide customer support, including responding to your requests and questions and troubleshooting and resolving problems or complaints;
  • Verify the information you provide to us;
  • Communicate with you;
  • Understand and anticipate your use of or interest in, our products, services, and content, and the products, services, and content offered by others;
  • Develop and display products, services, and content tailored to your interests on our websites and other websites;
  • Measure the overall effectiveness of our online advertising, content, and programming, and other activities;
  • Offer you personalized information and products, services, promotions, contests, or scholarships of ours, our affiliates, or our third party business partners that may be of interest to you;
  • Manage our business and operations;
  • Protect the security and integrity of this Website;
  • Carry out our obligations and enforce our rights arising from this Privacy Notice, the Terms of Use and any other applicable agreements and policies;
  • Use or post User Contributions as permitted in our Terms of Use; and
  • Fulfill any other purposes for which you provide your information and for any other purpose as described to you at the time your information is collected or for which your consent is given.

Disclosure of Your Information

We may disclose and share anonymized or aggregated information about you (information that does not directly and personally identify you) or any other of your Non-PII at our discretion.

We may disclose or share other information from or about you, including your Personal Information, as follows:

  • With any Unigo Businesses for support of our internal and business operations, for cross-marketing purposes, or in connection with a request made by you or your opt-in or consent. However, unless you are otherwise first given notice, the evaluation of any request or application by you for any of our products or services offered through our websites will be based on the information you specifically submit to obtain such product or service and not any other information you may submit to us for other purposes or for other products or services we may offer (except for your sign-in, basic account registration information, and any other information that we may pre-populate on your request or application form for your convenience). Refer to the Unigo Businesses section below to see a list of all Unigo Businesses.
  • With our affiliated companies (i.e., companies that control, are controlled by, or are under common control with us).
  • With our non-affiliated third party business partners, service providers, and vendors to enable them to assist us in providing you the products or services you request through this Website or to provide us with support for our internal and business operations, such as data processing, data storage, research, analytics, web hosting, marketing, and delivery of promotional or transactional materials.
  • With other non-affiliated companies, parties, or organizations when you engage in certain activities through this Website or our services that are sponsored or provided by them, such as requesting or purchasing products or services offered by these third parties, electing to receive information or communications from them, or electing to participate in contests, sweepstakes, games, scholarships, or other programs sponsored or provided by these third parties, in whole or in part. When we disclose your information to these third parties, your information will become subject to the information use and sharing practices of these third parties, and these third parties will not be restricted by this Privacy Notice with respect to their use and further sharing of your information.
  • With non-affiliated third parties that are interested in contacting you or providing offers to you that may be related to our products or services or about other products or services you may find interesting. To opt-out of our sharing of your information with such third parties, see the Choices about How We Use and Disclose Your Information section.
  • Elsewhere at your direction or request. For example, through https://www.unigo.com, we share your name and contact information with schools, to which you request us to introduce you, and through any refer-a-friend or email-a-friend function offered on this Website, we may share your name and e-mail address with any person to whom you request that we send such e-mail.
  • With any person who, in our reasonable judgment, is authorized to receive your information, such as your agent, attorney, parent, legal guardian, or co-signor of a loan application.
  • We may disclose information we collect from or about you when we believe disclosure is appropriate to comply with the law, to enforce or apply applicable terms and conditions and other agreements, or to protect the rights, property, or safety of our company, our affiliates, our other customers or users of this Website, or others.
  • If some or all of our business assets are sold or transferred, whether through a sale, acquisition, merger, consolidation, reorganization, bankruptcy, or other corporate change involving us and/or our affiliates, we may transfer the corresponding information regarding our customers and users of this Website, including Personal Information. We also may retain a copy of such information. Nothing in this Privacy Notice is intended to interfere with our ability to transfer all or part of our business, equity interests, or assets (including this Website) to an affiliate or non-affiliated third party at any time, for any purpose, without any limitation, and without notice or any compensation to you, whatsoever.

Special Notice to California Residents – Your California Privacy Rights

If you are a California resident and have provided your personally identifiable Personal Information to us, you may request a notice disclosing the categories of Personal Information we have shared with third parties for their direct marketing purposes during the preceding calendar year. To request a notice, your request must be submitted to us at privacy@unigogroup.com with the words “California Privacy Information Request” in the subject line, or by mail addressed to: Unigo Group, Attn: Customer Support – California Privacy Information Request, 5300 Meadows Road, Suite 400, Lake Oswego, OR 97035.

Your request must include the e-mail address or mailing address, as applicable, for us to send our response. These requests may be made no more than once per calendar year.

Choices about How We Use and Disclose Your Information

We strive to provide you with choices regarding the Personal Information you provide to us. Below are some mechanisms that provide you with control over your information:

  • Promotional E-mails. If you do not wish to receive promotional e-mails from us, including our e-newsletters, contact us at privacy@unigogroup.com to opt-out or follow the unsubscribe process at the bottom of the promotional e-mail. Note that even if you opt-out, you may still receive transactional e-mails from us (e.g., e-mails related to the completion of your registration, correction of user data, password reset requests, reminder e-mails that you have requested, and any other similar communications essential to your transactions on or made through this Website).
  • Telephone Calls. If you do not wish to receive promotional telephone calls, contact us at privacy@unigogroup.com to opt-out. This opt-out does not apply to any informational telephone calls.
  • Automatic Information Collection Technologies and Advertising. Our systems currently recognize “do not track” signals from your browser. In addition, the “help” function of your browser should contain instructions on how to set your browser to not accept new cookies, to notify you when a cookie is issued, or how to disable cookies altogether. If Flash cookies are used on this Website, you can manage your Flash cookie settings, by visiting the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this Website may be inaccessible or not function properly.
  • Third Party Interest-Based Ads. We do not control third parties’ collection or use of your information to serve interest-based ads. However, you can opt-out of receiving interest-based ads from third party advertisers and ad networks who are members of the NAI or who follow the DAA’s Self-Regulatory Principles for Online Behavioral Advertising by visiting the NAI and DAA websites. If you opt-out, you may still see contextual advertising from us, meaning you may still see personalized recommendations about our products and services and other similar features on this Website. You may also still see ads provided by us or others on other third party websites; they just will not be based on your particular interests. Also note that your opt-out will be managed through the use of cookies, so if you delete these cookies or use a different browser or computer, you will have to make this same election again.
  • Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your Personal Information with non-affiliated third parties for promotional purposes (i.e., do not opt-out) concerning such information sharing on this Website’s registration page contact us at privacy@unigogroup.com to opt-out. You can also always opt-out by logging into this Website and adjusting your user preferences in your account profile by checking or unchecking the relevant boxes. However, any subsequent opt-out request will only apply from the date of your request, and we will not be responsible for any communications that you may receive from third parties who received your Personal Information prior to your request. In these cases, please contact the third parties directly.

Accessing and Correcting Your Information

The appropriate method(s) for accessing your information, if any, will depend on which of our websites and services you have visited or used. Depending on the website and service, you may have the ability to view or edit some of your information online, by logging into the website and visiting your account profile page. You may also contact us at privacy@unigogroup.com to request access to, correct, or delete any Personal Information that you have provided to us; however, we may ask you to verify your identity and provide other details to help us to respond to your request.

We cannot delete your Personal Information except by also deleting your user account. Once your user account is deleted, it cannot be recovered. We also may not accommodate a request to change or delete information if we believe the change would violate any law or legal requirements, be contrary to our Terms of Use or any other applicable agreement between you and us, or cause the information to be incorrect. After deletion of your user account, your Personal Information may remain on our archived database and records.

Also, if you delete or request the deletion of your User Contributions from this Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied, stored, or reposted to another website by other users of this Website.

Protection of Your Information

We use reasonable security measures to protect your information collected through this Website. However, no method of transmission or electronic storage is 100% effective, and we cannot guarantee absolute security. Therefore, your use of this Website is at your own risk and we do not promise or guarantee, and you should not expect, that your information will always and absolutely remain private and secure. We are not responsible for the circumvention of any privacy settings or security measures contained on or concerning this Website. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse.

In the unlikely event that we believe that the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, if we have your e-mail address, we may notify you by e-mail. You consent to our use of e-mail as a means of such notification. If you prefer for us to use another method to notify you in this situation, please e-mail us at support@unigogroup.com with the alternative contact information you wish to be used.

Visiting this Website from Outside the United States

This Website is operated in the United States is not intended for international users. This Privacy Notice is intended to cover the collection of information on this Website from residents of the United States. If you are visiting this Website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States and other countries and territories. The information protection laws of the United States and the other countries and territories might not be as comprehensive or protective as those in your country. By using this Website and our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Notice. We make no claim that this Website may be lawfully viewed or used outside of the United States.

Changes to this Privacy Notice

We may update or amend this Privacy Notice at any time. This Privacy Notice will reflect the date it was last updated or amended. If we make any material amendments, we will notify you by posting a notice of the updated or amended Privacy Notice on this Website. All amendments will take effect immediately upon our posting of the updated Privacy Notice on this Website. Under certain circumstances, we may also elect to notify you of changes or updates to our Privacy Notice by additional means, such as posting a notice on the homepage of this Website or sending you an e-mail. Please check this Privacy Notice each time you use this Website to ensure you are aware of any changes in our practices. Your continued use of this Website will indicate your acceptance of the changes to the Privacy Notice.

Contacting Us

If you have questions or concerns about this Privacy Notice, our information practices, or wish to make a request regarding your information, please contact us at any of the following:

Via postal mail: Unigo Group, Attn: Customer Support, 5300 Meadows Road, Suite 400, Lake Oswego, OR 97035

Via e-mail: privacy@unigogroup.com

Unigo Businesses

Unigo Businesses, doing business as Unigo Group, include, without limitation: Unigo (www.unigo.com), Scholarship Experts (www.scholarshipexperts.com), Campus Discovery (www.campusdiscovery.com), SchoolBound (www.schoolbound.com) and eStudentLoan (www.estudentloan.com). We may change, remove or add a Unigo Business in our discretion and without notice to you.

Privacy Notice Scope

This Privacy Notice applies to all current and former customer and user personal information, except in cases where alternative or additional information practices and privacy policies apply, such as in connection with information collected by the following or provided for under:

  • Unigo Return on Education™ (MyROE™) service offered through www.unigo.com. See Unigo Return on Education™ Privacy Notice.
  • eStudentLoan’s products or services offered through www.estudentloan.com. See eStudentLoan GLBA Privacy Notice.
  • Any of our products or services for which a separate privacy notice or terms apply, such as any contests, contest entries, contest awards, scholarship applications, and scholarship awards. See the official rules, terms and privacy notice (if applicable) that apply to the specific product or service being offered.

This Privacy Notice also does not apply to:

  • Other Unigo websites or online services (if any) that do not link to this Privacy Notice;
  • Third party websites or features to which this Website may link; or
  • Information collected by any non-affiliated third party, even if related to this Website or our services or products.