Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally identifiable information’ (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your Name, Email address, Mailing address, Phone number, Credit card information, Student loan debt information, Income information, or other details to help you with your experience.

When do we collect information?

We collect information from you when you place an order, subscribe to a newsletter, respond to a survey, fill out a form or enter information on our site.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

• To personalize user’s experience and to allow us to deliver the type of content and product offerings in which you are most interested.

• To improve our website in order to better serve you.

• To allow us to better service you in responding to your customer service requests.

• To administer a contest, promotion, survey or other site feature.

• To quickly process your transactions.

• To send periodic emails regarding your order or other products and services.

How do we protect visitor information?

We do not use vulnerability scanning and/or scanning to PCI standards. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user places an order. For your convenience, we may store your credit card information kept for more than 60 days in order

Do we use ‘cookies’?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:

Understand and save user’s preferences for future visits. Keep track of advertisements. Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies. If you disable cookies off, some features will be disabled It won’t affect the users experience that make your site experience more efficient and some of our services will not function properly. However, you can still place orders.

Third Party Disclosure

Do we disclose the information we collect to Third Parties?

Yes, you should be advised that we sell, trade, or otherwise transfer to outside parties your name, address, city, town, any form or online contact identifier email, name of chat account, etc., phone number, SSN, and student loan balances. We share your information to other companies who provide us with services to help promote our content via email and text alerts, as well as with reputable companies who may be able to offer you assistance with your debt.

Third party links

We may include third party links & products or services on our website. You must review the privacy policy of each website you visit as we are not responsible for third parties privacy policy or practices.

We explain below in detail what are cookies and tags, and how you can decide to allow us to run this analysis, or to block our use of our technology.

WHAT ARE COOKIES?

A cookie is a small data file that is sent to the browser that a Visitor is using at the time of the Visitor’s visit to a website. Cookies are used to serve as an identifier, to navigate through a website, and to enable certain features of the website.

Cookies can last only for the duration of a session (session cookies) or for several days, months, or years (persistent cookies). They can be sent by a website (first party cookie) or by or on behalf of another entity (third party cookies).

The following sections explain the different categories of cookies

SESSION COOKIES AND PERSISTENT COOKIES

There are session cookies and persistent cookies.

A session cookie is deleted from a Visitor’s browser when the Visitor disconnects from or leaves a website or closes down his browser.

A persistent cookie is not deleted. It remains associated with the browser, so that that browser may use it on subsequent visits to the website.

FIRST PARTY COOKIES AND THIRD PARTY COOKIES

There are first party cookies and third party cookies

A first party cookie is generated by the owner or operator of a website for its own use.

A third party cookie is generated by an entity other than the owner or operator of a website, for the benefit of the owner or operator of a website. A third party cookie may be generated while a Visitor visits a website, or clicks on an advertisement that is managed by the third party for the benefit of a website owner.

COOKIES ARE BROWSER SPECIFIC

Cookies are browser specific. This means that a cookie is attached to, and stored in, a specific browser. For example, if you use either Firefox or Explorer to visit the same website, you may have some cookies stored in your Firefox files and other cookies stored in your Explorer file. Each of these cookies may have a different identification number. Even though these cookies may have been initiated by the same website, or the same entity, they are independent from each other. Any action you take – such as deleting one cookie in a particular browser – will not affect the similar cookie that might be attached to or stored with another browser. That similar cookie will remain in effect unless and until you delete that cookie in that other browser file.

WHAT ARE TAGS?

Tags or “clear GIFs” or “web beacons” are transparent electronic images that are placed into the code of a website, an advertisement, an email, or a newsletter. IPR Holdings, Inc provides the coding for the IPR Holdings, Inc tags to its Customer, and each Customer installs the tags in the code of those pages of its website, advertisement, or email, for which it wishes to keep statistics.

Tags allow counting the number of individual visitors who visit or interact with a particular page of a website. They are used in combination with cookies to collect data. If you have prevented IPR Holdings, Inc from placing a cookie on your browser, or if you have deleted the IPR Holdings, Inc cookie, the Marin tag located on a Customer website cannot transmit information about your visit to that Customer website.

HOW TO CONTROL AND MANAGE COOKIES

Using your browser settings — You can instruct your browser to stop accepting cookies or to prompt you before accepting all cookies, or only third party cookies, from any website that you visit. This is done by editing the options in your browser.

The instructions for performing these functions are usually found in the “options” or “preferences” or “settings” menu of your browser. You may also check the “help” option of your browser.

The methods described above can be used to block all cookies or certain categories of cookies, such as third parties cookies. They would not be applicable to block or deactivate one specific cookie, or all cookies originated by a specific entity. To do so, other methods must be used.

Using a special opt-out cookie — To deactivate and block future cookies from a specific company, a special cookie must be used. Some companies may provide the information on how to block their cookies on their website. Alternatively, some sites provide a compilation of information about opt-out cookies for most of the major service providers: See for example:

Please remember that:

Since cookies are browser specific, changing the CAN SPAM on one browser will not change the setting in another browser, or on another Device. If you block all cookies, you may not be able to access some of the content offered on the websites that you visit and that had relied on that cookie as a way to identify your browser as a permitted user of certain content.

How does our site handle do not track signals?

We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third party behavioral tracking?

It’s also important to note that we allow third party behavioral tracking

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the national consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under 13.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

We will notify the users via email

Within 7 business days

We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.

All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law. For permission requests, write to the publisher, addressed “Attention: Copyright Legal Department or Permissions Coordinator,” at the address below.

CAN-SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

Send information, respond to inquiries, and/or other requests or questions. Process orders and to send information and updates pertaining to orders We may also send you additional information related to your product and/or service. Market to our mailing list or continue to send emails to our clients after the original transaction has occurred

To be accordance with CANSPAM we agree to the following:

NOT use false, or misleading subjects or email addresses Identify the message as an advertisement in some reasonable way Include the physical address of our business or site headquarters Monitor third party email marketing services for compliance, if one is used. Honor opt-out/unsubscribe requests quickly Allow users to unsubscribe by using the link at the bottom of each email

If at any time you would like to unsubscribe from receiving future emails, you can

Follow the instructions at the bottom of each email.

Contacting Us