Our Data Collection & Use Policy ("Policy") is effective as of August 15, 2021.
This Policy sets forth how Student Loan Doc Pros LLC (“We” or “Us"), collects and uses the information you provide to us and certain other information that we automatically collect through your access and use of [sbadisasterpros.com] (“Website”), or through any communications with us generally.
HOW TO CONTACT US
If you have any general questions or concerns about this Policy, you can also email us at [email protected]
MODIFICATIONS TO THIS POLICY
If we decide at any time to change this Policy, we will revise the effective revision date posted at the top of this Policy and we will also notify you by posting a notice of the change prominently on our home page (we may also elect to notify you upon the next time you log-in to access any of our Websites after the effective date of the change(s)). Failure to opt-out after receiving notice and following the opt-out instructions contained in the notice shall be deemed to be your assent to any such changes.
HOW WE COLLECT PERSONAL INFORMATION
Check-out & Application Data
We collect and store only your email address, physical address and your first and last name (collectively “PII”) during the check-out process. We use the PII we do collect and store as set forth in the remainder of this Policy. All credit card or other billing information you submit is only used for payment processing or fraud prevention and we do not share or disclose your credit card or other billing information with third parties except with our third party payment processor. Any specific credit card or billing information will not be kept on our server logs longer than necessary in order to complete any single transaction, unless you elect that we retain your credit card information for future purchases, or pursuant to any recurring fees required to be paid pursuant to any product(s) we sell, if any.
We collect certain PII with the United States Department of Education (“Application Data”) in connection with your student loan consolidation or Income-driven repayment plan application. We store your PII and Application Data on our servers indefinitely.
When you provide any PII or other personally identifiable data through any form contained on our Websites in order to contact us, we collect and store this information as expressly set forth in this Policy.
We collect your past purchase history on this Website and any websites wholly owned and operated by our parent company Axe Equity, LLC, a Wyoming limited liability company, and bundle such data with your PII. Such bundled information is referred to hereinafter as “Purchase Data.”
Personal Information from Children Under 13
Children under the age of 13 are expressly prohibited from submitting or posting any PII on any of our Websites. If it does come to our attention that any child under the age of 13 has submitted any personal information on any of our Websites, we will delete all such information that we have collected immediately. If you are a parent or guardian and you discover that your child under the age of 13 has submitted any of his or her PII without your permission or consent, we will remove the information immediately upon your request. All requests should be made by email and sent to [email protected]Please include your child's name and a description of the type of information you think he or she may have submitted to our Websites.
HOW WE AUTOMATICALLY COLLECT DATA
When you access our Websites, we may collect and store through our host provider certain data sent automatically by your browser using standard web server logs and automatic data collection tools such as cookies and web beacons. This information may include your IP address, which may tell us your general location information such as your country and sometimes your city, state and/or zip code, the domain name from which you access our Websites, your browser type and language, the pages you access, the date and time you access pages on our Websites and your operating system version. We also may determine what technology is available through your browser in order to provide you with the most appropriate version of any of our web pages.
Cookies & Similar Tracking Technologies
that don't require login, like shared reports, does not set cookies. We reserve the right to monitor your use of our Websites and track you as described in this Cookies policy by the use of any automatic data collection tools at all times and you consent to the use of these tools when you use and access our Websites.
Our Websites use "first-party cookies". (Third-party cookies are cookies that are set by a third-party source other than our Websites.) We also use both "persistent cookies" that remain on your device for the period of time specified in the cookie (these cookies are activated each time you visit our Websites), and "session cookies," which allows us to track your actions on our Websites during a browser session.
The cookies and tracking technologies that may be used on our Websites can be broadly divided into the following categories:
-Necessary cookies help make our Websites usable by enabling basic functions like page navigation and access to secure areas of the Website. Our Websites cannot function properly without these cookies.
-Statistic cookies helps us understand how visitors interact with our Websites by collecting and reporting information anonymously.
content or product/services offers. Through the use of unique identifiers contained in the URL of tools such as web beacons, we are able to record the exact time that you read our emails, as well as your IP address. Requests to the server to send the additional content typically includes the IP address of the requesting computer, the time the content was requested, the type of web browser that made the request and the existence of cookies previously set by that server, which may be linked to a unique tracking “token”. When you open a promotional email form us whichcontains a tracking pixel, this action is also tracked to trigger the display targeted interest-basedads to you on third party “Ad partner” sites that you visit.
Currently, we do not use any specific third-party cookies on our Websites. III. How To Manage Cookies
You can block our cookies or third-party cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies), you will not be able to use our Websites in any meaningful manner as intended. Your Internet browser allows you to change your cookie settings in the 'options' or 'preferences' menu of your browser.
Our Data Processors & Subprocessors
A data processor is any third-party that we use to operate our Websites who has or potentially will have access to or process any PII you provide to us or any PII or Purchase Date we collect. These data processors may engage different types of subprocessors to perform various functions. This limited access is incidental to the services being provided by such third parties to us to operate our Websites and no permission or consent is granted by us to use or disclose this information in any manner other than as necessary to provide the applicable services to us or to facilitate any transactions with you. By using our Websites, you affirmatively consent to have that information shared with these third parties for the limited purposes stated herein.
We use the following data processors:
We use Vultr, Digital Ocean, Cloudflare and Google Cloudto host our Websites and we store collected data on their cloud-based servers.
-Payment Processors. When you purchase anything from this Website, we also share the PII you provide, your credit/debit card or bank account information you provide with third party credit card and payment processors including NMI (which may include fraud screening and/or automated data processors). Any disclosure of this information is necessary to facilitate the specific transaction and will only be used by us for that strict purpose, unless otherwise stated in this Policy.
-Email Marketing Service Providers
We use third party service providers necessary for providing our email marketing services and similar content marketing services to our users.
-Administrative/Customer Service Support
We share our files and some PII we collect through the Websites directly with third party independent contractors that provide customer support and other administrative services on our behalf. We will only contract such third parties for the limited purpose of assisting us to operate this Websites and/or provide support or administrative services in conjunction with any products or services that we may offer through this Website from time to time. This limited access would be incidental to the services being provided by such third party contractors and no permission or consent shall be granted by us to use or disclose this information in any manner whatsoever, other than as necessary to provide the applicable services to us. We require that our independent contractors commit to uphold the privacy of any PII or other information regarding our Website visitors or customers that we may share with them. We will require that each of our contractors agree not to use or disclose any PII, which may be disclosed to or shared with these parties during the course of their duties to us, except as absolutely necessary to perform their duties to us.
-Marketing & Business Consultants
We may share general aggregated website use information, Purchase Data in association with certain PII, or certain PII by itself, that we collect through your use of the Websites with our marketing and/or business consultants (or partners) and any other similar such parties. We do this strictly in order to improve upon any aspect of our marketing strategies, sales practices or upon some other business practice. We may also share this information with third-party website and SEO consultants in order to help improve the functionality or accessibility of the Websites, search engine visibility or to help us increase our web traffic. This limited access is incidental to the services being provided by such third parties and no permission or consent is granted by us to use or disclose this information in any manner other than as necessary to provide the applicable services or responsibilities to us.
Social Media and Plugins
HOW WE USE/SHARE YOUR DATA
Governmental Agency Sharing
We share and disclose your PII and your Application Data with the student loan consolidation or Income-driven repayment plan application.
We may provide your PII and Purchase Data as described in this Policy to any of our affiliated business entities that are wholly owned and operated by our parent company, Axe Equity, LLC, a Wyoming limited liability company (“Affiliated Entities”). We may bundle your PII with your Purchase Data and share the same with our Affiliated Entities. Any such separate subsidiary entity shall use, share and disclose your PII and any Purchase Data will be used and protected in the same manner that is strictly in consistent with this Policy.
Past Purchase History
We also bundle certain items constituting your PII with your Purchase Data from any of our Websites. We do not share this bundled information with any third-parties other than as may be set forth in this Policy in connection with the operation of any of our Websites.
Promotional & Informational Use of PII
We use the e-mail address provided by You to send periodic promotional emails about any of our related services through our Affiliated Entities or about any new or upcoming products or services.
Email Marketing Opt-Out
It is our intention to fully comply with the CAN-SPAM Act of 2003. If you no longer wish to have any emails sent to you, please click on the ’unsubscribe’ button at the bottom of any and all emails to opt-out. This does not apply to any transactional based emails sent by us that we are required to send to you and fulfillment of any contractual obligations to deliver any services to you.
Do We Share Your PII or Purchase Data?
We do not directly share or sell any PII or any aggregated or non-aggregated Purchase Data with any advertising agencies, direct marketers, lead generation companies or ad networks. We make every effort to respect the your privacy and purchase history data and we will never sell, license or disclose any PII or any Purchase Data, by itself, or bundled with any Website use information, or other information you provide directly, or that we collect automatically, to any third parties, for any purpose not expressly set forth in this Policy without your prior express written consent.
We may disclose certain PII if i) requested via a subpoena, court order, or local, state, federal or international law enforcement request to release any such information; or ii) in order to investigate and help prevent security threats, fraud or other malicious activity; or iii) to protect our rights or protect our property, or any of the rights of our customers or other third parties.
When you visit our Websites, submit posts on our forums or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that all agreements, notices and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. All posts submitted by you on the forums of our Websites shall not be treated as confidential and shall be deemed to be accessible to the general public. You should not transmit any information in your posts that you intend only the intended recipient(s) to read. Notice is hereby given that all messages or electronic data transmitted onto our Websites can and may be read by us, regardless of whether we are the intended recipient of any such message(s).
—CALIFORNIA CONSUMER PRIVACY NOTICE
-Effective Date: August 1st, 2021
-Last Reviewed on: August 1st, 2021
Further, California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of their personal information to third parties for their direct marketing purposes. California law also allows California residents to opt-out of having this information disclosed.
Under California Law SB 27, California residents have the right to receive, up to twice a year, information about third parties with whom we have shared information about you or your family for their marketing purposes during the previous calendar year, and a description of the categories of personal information shared. If You are a California resident and desire to make such a request, please contact [email protected] Please include the words "California Privacy Disclosure Request" in the subject line.
To learn more about your California privacy rights, visit https://oag.ca.gov/privacy/ccpa.
Information We Collect From California Residents
Our Websites has collected the following categories of personal information from visitors including California residents within the last twelve (12) months:
We obtain the categories of PII listed above from the following sources:
Perosnal Information does not include:
How We Use Your Personal Information
We may use, or disclose the personal information we collect for one or more of the following business purposes:
How We Share Personal Information
We disclose your Personal Information to each of our third-party vendors for a business purpose.
We may share your personal information with the following categories of third parties: • Vendors who provide email marketing and general promotions technology; • Vendors who provide to us metrics, trends data and analytics reports;
In the preceding twelve (12) months, we have disclosed personal information for the following business purposes:
Sales of Personal Information
In the preceding twelve (12) months, we have not directly sold any personal information. Your California Consumer Rights
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights as set forth below.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by sending a message to [email protected] Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
Please note that we cannot respond to any request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Verifiable Request Response Time
We shall respond to a verifiable consumer request within forty-five (45) days of its receipt. If we need more time, we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
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THIRD-PARTY PRIVACY PRACTICES
HOW WE PROTECT DATA
We take the security of your data very seriously. All traffic between your browser and our servers is encrypted during transmission using Secure Sockets Layer (SSL) encryption.
However, we make no guarantee, warranty or representation that any information provided through our Websites will remain secure at all times from any illegal or unauthorized access of any data including any PII or Purchase Data by third parties. We will report any unauthorized access to your information promptly upon discovery, and we will use our best efforts to remedy any security vulnerability that contributed to unauthorized access.
Information Storage And International Transfer
Any PII and all other information that we collect on any of our Websites will be stored and processed in our servers located in the United States. If you reside outside the United States, you consent to the collection, transfer, storage, and processing of any information from your country to the United States.
How to View Your PII
You can request any PII at any time and can view all Purchase Data by emailing us at [email protected]
Upon any acquisition, merger, sale or other change of control of our business/organization, we reserve the right to transfer any PII you have submitted to our Websites as part of the property owned by us to our successor resulting from such merger, acquisition, sale, etc. In the event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors' rights generally, We reserve the right to transfer your PII to protect any of our rights or as required by law.