Privacy Policy

Disclosure Regarding Collection and Use of Personal Information
Through the Site, users may enter Personal Information about themselves. This Policy explains
our online information collection and use practices and the choices you can make about the way
we use and share such information. Please take the time to read and understand this policy so that
you can understand how we use your Personal Information. Please note that our online
information collection and use practices may differ from our practices regarding information
obtained offline.
REMEMBER: If you make use of the site, register with the site, request information that we may
offer or submit information in any way to or through our site you agree to these terms. As we
update and expand our services, this policy might change, so please review it from time to time.
The Information We Collect
We may collect information about you through a variety of methods, such as participation in
surveys, chats, forums or the like or other documents that you submit to us, transactions in which
you may engage with us or our affiliated companies, via phone or through other modes of
communication or through visits that you may make to the Site. This Policy applies to all
personally identifiable information that we collect and maintain about our users, including any
contact information (e.g., name and address), financial information (e.g., account and credit
history), federal loan history information (e.g., loan amount, loan type, school and lender) or
identifying information (e.g., social security number, date of birth) that we may obtain in
connection with providing services (“Personal Information”). You may view or change your
information at any time by contacting us.
Other Collected Information
We also may collect certain non-Personal Information (i.e. generic information that does not
identify you personally) when you visit any of our web pages such as the type of browser you are
using (e.g., Google Chrome, Internet Explorer etc), the type of operating system you are using,
(e.g., Windows or Mac), the IP address you are using to connect to the Site and the domain name
of your Internet service provider (e.g., Comcast, ATT, Time Warner, Verizon etc).
How We Use Your Personal Information
The Site uses your Personal Information to provide you with products or services that you have
requested, to respond to questions or communications and to get in touch with you when
necessary. For example, the Site may use your Personal Information to communicate with you or
to send you information that you have requested. In addition, we may send to you an e-mail
offering products or services which we think you may be interested in or to ask you to participate
in a survey. We do not consider any companies that are within our “family” of companies to be
“third parties” for purposes of this policy. Thus, we may also share Personal Information
provided online with companies affiliated with or owned directly or indirectly by Any of these companies may use and further share this information in the
same ways we do. However, if we pass on Personal Information to a family company, we require
that it protect such information in a manner that is consistent with this policy and your expressed
preferences. For example, a family company may send to you an e-mail regarding special offers
and announcements about products or services that it thinks might be of interest to you. A family
company may also contact you offline. If you want to opt-out from our (or a family company)
using the Personal Information you provided in these ways, please contact us.
Updating or Removing Your Personal Information
Please contact us at any time to update or remove your Personal Information.
How We Share Your Personal Information
We will not share with third parties the Personal Information you provide except (a) if it is for
the purpose(s) you provided it; (b) with your consent; (c) as may be required by law or as we
think necessary to protect our company or others from injury (e.g. in response to a court order or
subpoena, in response to a law enforcement agency request or when we believe that someone is
causing (or about to cause) injury to or interference with the rights or property of another); (d)
with other persons or companies with whom we contract to carry out internal site operations or
our business activities (for example, sending out a product or a promotional item that you have
requested on the Site); and/or (e) notifying you when we make material changes to one of our
subscriber agreements or this policy. Examples of us sharing your Personal Information for the
purposes submitted are if you participate in a third-party survey or request information from a
third-party, we may provide the information provided to such third party so that they can send to
you directly the information you requested. We will seek to obtain your consent at the place
where the information is collected either by an “opt-in” or “opt-out” method, or by other means
(such as sending to you an e-mail). As stated above, we do not consider any companies that are
within our “family” of companies to be “third parties” for purposes of this policy and may also
share Personal Information provided online with companies affiliated with or owned directly or
indirectly by Any of these companies may use and further share this
information in the same ways we do. However, if we pass on Personal Information to a family
company, we require that it protect such information in a manner that is consistent with this
policy. If you want us to stop sharing your Personal Information among PrediqMedia-owned
companies, please contact us.
Additionally, with your consent, we may share the Personal Information you provide online with
companies not affiliated with us (i.e. third party companies) who are interested in marketing their
products or services to you or in asking you questions, both online and offline. We will seek to
obtain your consent either by an “opt-in” or “opt-out” method, or by other means (such as
sending to you an e-mail). Companies with whom we might share your Personal Information
may include consumer products, telecom, financial, military, market research, entertainment, and
educational services companies and their third party service providers. If you want us to stop
sharing your Personal Information with these companies, please CONTACT US. If you consent
to receiving communications from non-affiliated companies, you may need to communicate with
them directly if you later decide that you no longer wish to receive their communications or if

you wish to change any data you provided online. In this instance, any changes or amendments
to your Personal Information must be given directly to each company who communicates with
you as these changes, amendments and/or deletions will not be exchanged between us and non-
affiliated companies. If we do share Personal Information with a non-affiliated company, to the
extent practical, we require that they protect such information in a manner that is consistent with
this policy. We cannot, however, guarantee how these non-affiliated companies will use your
Personal Information.
Use and Disclosure of Anonymous Information
We sometimes use the non-Personal Information that we collect to improve the design and
content of the Site and to enable us to personalize your Internet experience. We also may use this
information in the aggregate to analyze how the Site is used, as well as to offer you products,
programs or services. Sometimes we share aggregate information with others, including
affiliated companies and non-affiliated companies.
Email Choice/Opt-out
If you would prefer not to receive email updates from us that may relate, for example, to new
services or offerings, or other email notifications, you may opt-out of receiving these
communications by contacting us.
Collection of Information by Others
The Site may contain links to other websites, including links that are placed there by us, such as
third-party advertisements or text hyperlinks. Please be aware that we are not responsible for the
privacy practices of any other website. We encourage all users of the Site to be aware of when
they leave the Site, and to read the privacy policies of each and every website that collects
Personal Information. This privacy policy applies solely to information collected by the Site,
through the Site.
We may offer additional e-mail services or promotions that are sponsored by or co-sponsored
with non-affiliated companies. Based on our agreement with them, these third parties may obtain
Personal Information that site visitors voluntarily submit to participate in the contest,
sweepstakes, or promotion. We have no control over the use of this information by these
To enhance your online experience with us, many of our web pages use “cookies.” Cookies are
text files placed on your hard disk by our web server to store your preferences. Cookies, by
themselves, do not tell us your e-mail address or other Personal Information unless you choose to
provide this information to us. However, once you choose to provide the Personal Information,
this information may be linked to the data stored in the cookie. Cookies cannot be used to run
programs or deliver viruses to your computer. We use cookies as a convenience feature to save
you time, to understand how the Site is used, and to improve the content and offerings on the

Site. For example, we may use cookies to personalize your experience at our web pages or recall
your specific information on subsequent visits (e.g. to recognize you by name when you return to
the Site). We also may use cookies to offer you products, programs or services. You can opt to
have your browser reject cookies. If you do that, you may need to re-register with us every time
you visit the Site in order to participate in certain functions of the Site. You should also know
that companies that advertise on the Site (and their agents) might use their own cookies. This
policy does not cover how these companies use their cookies. As you use the Internet, a trail of
electronic information is left at each web site you visit. This information, which is sometimes
referred to as “Clickstream Data,” can be collected and stored by a web site’s server. Clickstream
Data can tell us the type of computer and browsing software you use and the address of the web
site from which you linked to the Site. We may use Clickstream Data as a form of non-Personal
Information to anonymously determine how much time visitors spend on each page of the Site,
how visitors navigate throughout the Site and how we may tailor our web pages to better meet
the needs of visitors. This information will only be used to improve the Site. Any collection or
use of Clickstream Data will be anonymous and aggregate.
Supplementing Information
From time to time we may supplement information you give us with information from other
sources, such as information validating your address. Thus, information we obtain through the
Site may be intermingled with and used in conjunction with information obtained through
sources other than the Site, including both offline and online sources.
Discussions and Community Tools
We may, from time to time, make review lists, chat rooms, forums, message boards, blogs,
newsgroups and other community tools available to you. Please remember that any information
that is disclosed in these areas becomes public information for other users to view and for us to
use. For example, from time to time, we may use the content you write (including your name or
screen name if you post it) for promotional purposes, in e-mail newsletters or elsewhere, and by
using the Site and/or these chat rooms, forums, message boards, news groups, and other
community tools, you agree that we may do so. You should exercise caution when deciding to
disclose your Personal Information in these areas, since anyone – not just us – may use publicly
posted information.
Our Commitment to Security
We believe we have in place the appropriate physical, electronic, and managerial procedures to
safeguard and help prevent unauthorized access, maintain data security and correctly use the
information we collect online as well as offline. Whenever Personal Information is passed on to
non-affiliated companies, to the extent practical, we require that they also have in place the
appropriate safeguards. We cannot, however, guarantee that they do so.
International Users

If you are visiting the Site from a location outside of the United States, your connection will be
through and to servers located in the United States and all information you provide will be
processed and securely maintained in our web servers and internal systems located within the
TO HAVE INADEQUATE DATA PROTECTION. Users of the Site located in countries outside
of the United States of America who submit Personal Information do thereby consent to the
general use of such information as provided in this privacy policy and to the transfer of that
information to and/or storage of the information in the United States of America. This policy and
our legal obligations are subject to the laws of the State of Florida and the United States of
America, regardless of the location of any user. Any claims or complaints must be filed in the
United States of America in the State of Florida.
How You Can Access or Correct Your Personal Information
For instructions on how you can access the Personal Information that we have collected about
you online, or how to correct any errors in such information, please contact us. To protect your
privacy and security, we will take reasonable steps to help verify your identity before granting
access or making corrections.
Special Note for Parents
We will not knowingly accept Personal Information from anyone under 13 years old in violation
of applicable laws. If you believe that your child under 13 has gained access to the Site without
your permission, please CONTACT US. We have taken commercially reasonable steps to restrict
use of the Site to those who are at least 13 years old. We do not market products or services for
purchase by children and all children’s products or services we market are for purchase by adults
only, or with adult permission.
Changes to this Policy
Because our business needs may change over time, we reserve the right, at our discretion, to
change, modify, add, or remove portions from this policy at any time. If at any time in the future
we plan to use your Personal Information in a way that differs from this policy, we will revise
this policy as appropriate. Your continued use of the Site following the posting of any changes to
this policy means you accept such changes. This policy is effective as of August 1, 2012.
How to Contact Us
If you have any questions or concerns about this privacy policy you may contact us through the
form provided on the contact us page.