stephenkwood.com does not collect information that personally identifies you, such as your name, address, email address, social security number and similar identifying information (“Personal Information”), unless you expressly provide it to us through one of our online services. If you choose to register on a Site in order to utilize an online service that requires you to log in, stephenkwood.com may collect basic Personal Information. You may verify, correct, update, or change your registration information at any time by e-mailing us at firstname.lastname@example.org
The Site enables you to voluntarily provide Personal Information to third parties such as college or university admissions departments. If you choose to submit an online loan application, we may collect information such as your Social Security Number, and that of your endorser or co-borrower, if applicable, date of birth, driver’s license number, phone number, and references required for the completion of a student loan application.
We automatically collect information that does not reflect or reference an individually identifiable user to help us understand how our users use the Site. Like most websites, we automatically collect and use the data contained in log files. The information in the log files may include your IP (internet protocol) address, your ISP (internet service provider), the Web browser you used to visit the Site, the time you visited the Site, which Web pages you visited on the Site, and other anonymous Site usage data. We call this type of information “Non-Personal Information.”
Cookies and Web Beacons
How we use Personal Information and Non-Personal Information
We use Personal Information and Non-Personal Information for internal purposes, such as to notify you of new or relevant products or services, to send service notifications, to customize the advertising and content you see, to fulfill your requests for products and services, to improve the Site, to conduct research, to solicit your feedback and input about the Site, and to provide more relevant products, services, and advertisements on or through the Site. Personal Information and Non-
Personal Information may be combined with data collected from other sources so that we may further improve the relevance of products, services, and advertisements offered to you or on or through the Site.
When you provide us with your telephone number, you acknowledge that we or the selected colleges, universities or lenders or such third parties acting on their behalf may contact you at that number and may do so using an automatic telephone dialing system and/or an artificial or prerecorded voice. If you subsequently request that we not contact you at that number, we will attempt to honor your request as soon as possible.
From time to time, we might establish a business relationship with other persons or entities whom we believe trustworthy and whom we have asked to confirm that their privacy practices are consistent with ours (“Service Providers”). For example, we may contract with Service Providers to provide certain services, such as credit card processing, advertising, analytics tools, widget providers, data management services, Web hosting, and Web development. We provide our Service Providers with the information reasonably necessary for them to perform these services. Each Service Provider must agree to implement and maintain reasonable security procedures and practices appropriate to the nature of the information involved in order to protect your information from unauthorized access, destruction, use, modification, or disclosure.
We may use, and disclose to third parties, certain Non-Personal Information regarding the Site (e.g., number of visits, page views, number of registered members who reside in a particular geographic location, etc.). However, such information does not identify you individually.
We may share Personal Information and Non-Personal Information with entities controlling, controlled by, or under common control with stephenkwood.com. In the event that stephenkwood.com is merged, sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer Personal Information and Non-Personal Information in connection with such transaction.
In certain instances we may disclose Personal Information and Non-Personal Information when we believe it is necessary to identify, contact, or bring legal action against persons or entities in order to protect stephenkwood.com or our users or when we believe that the law or legal process requires such disclosure.
Communication Tools; Public Areas
If you elect to use our referral service for informing a friend about one of our Sites, College-
Locator will automatically send your friend a one-time e-mail inviting them to view the article that you are sending them. stephenkwood.com does not store this information, and it is for the sole purpose of sending the one-time e-mail.
Please be advised that, whenever you voluntarily post information to any community or interactive areas of the Site, such information can and may be accessed by the public. This means that any person or entity with access to such information can potentially use it for any purpose, including sending unsolicited communications.
Confidentiality and Security
Information collected on or through the Site is stored on servers using encryption technology. For security in-house, security procedures are in place to prevent unauthorized access to any user information. However, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect information transmitted on or through the Site, we cannot and do not guarantee or warrant the security of any information you transmit on or through the Site, and you do so at your own risk.
There is a link available on the stephenkwood.com log-in page to enable you to change your password at any time. If you forget your password, there is a link on the log-in page that will enable you to enter your Username or e-mail address with which you originally registered. When you submit this information, if your information matches what stephenkwood.com has recorded for you, your username and password will be e-mailed to you.
Children’s Privacy Statement
We do not knowingly collect Personal Information from children under the age of 13. If we become aware that we have inadvertently received Personal Information from a child under the age of 13, we will delete such information from our records.