1. Information We Collect.
1.1. We collect general types of information about you when you visit and use our website; examples include personal information, demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information.
1.2. Personal information is information that can be used to identify you or any other individual to whom the information may relate. This is information is only collected when you contact us. Such information may include your name, address, telephone number(s), and email address. We only collect this information during the course of communicating with us about an article or other matters on our website.
1.3. Demographic information is information that may or may not be unique to you in the sense that it refers to selected population characteristics. Such information may include, but is not limited to, zip code, telephone number(s) (including mobile phone number(s). This may be collected when we send out promotional emails.
1.4. Behavioral information is information pertaining to how you use our website, the areas of our website that you visit, the articles you read, what services you access, and information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other websites you have visited.
1.5. Third party information is information about you that we acquire from a third party which may include personal, demographic, behavioral and indirect information.
1.7. No Information Collected from Children. We will never knowingly collect any Personal Information from children under the age of 13. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, we have no such information to use or to disclose to third parties.
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2. How We Use Information Collected.
Student Loan News is a data controller. We use the information we collect to resolve any questions or issues you bring to our attention; analyze the effectiveness of our website and marketing; or to carry out various business functions. Examples of how that information is used include:
2.1. Marketing Purposes. We use information we collect from you to determine your interests in the articles on our website. If you review or use “Sponsored Content” we use your to track whether your purchased products or services from the Sponsor of such content. In addition, we may use your information to provide interactive features of our website, such as comments, ratings and reviews. We may also use the information we collect to identify service or advertising preferences. We may also use it so we can determine what articles are most popular or what features are most popular. The information we obtain from “Sponsored Content” may be used to provide you information about third party products and services which we believe will be of interest to you. This may be done by us or a third party vendor.
2.2. Internal Operations. We also use the information we gather to improve the effectiveness of our website, customer service and marketing efforts or conduct research and analysis of our marketing and advertisements or to perform other business activities as needed.
2.3. Legal Compliance. We use the information we gather to detect and prevent fraudulent transactions and monitor against theft. In addition we use such information to protect the security and integrity of our website and our business.
3. Information We Share With Others.
3.1. We disclose your information to third parties throughout the world, or combined personal, demographic, behavioral or indirect information, in the following ways:
(i) Sponsored Content Product and Service Delivery. We share your information with third parties who help us in the delivery of the products and services you have requested on the Sponsored Content pages.
(ii) Website Functionality. We share your information with companies and individuals we employ to perform technical functions on our behalf. Examples include third parties who host our website, analyze our data, provide marketing assistance, process credit card payments, and provide customer service.
(iii) Third Party Products and Services. We share your information with third parties who will provide you with their opportunities, products or services. This includes your personal and non-personal information, and includes your interests and preferences, so they may determine whether you might be interested in their products or services.
(iv) Anonymous information. We share aggregated anonymous information about you, combined with other persons using our website with third parties, so that they can understand the kinds of visitors that come to our website, and how those visitors use our website. This includes demographic information and behavioral information.
(v) Legal Process. We disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
(vi) Acquisition or Merger. We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.