Privacy Policy
Privacy Policy
Last Updated and Effective: May 12, 2021
Consumer Privacy Disclosure
You are visiting a website owned and operated by Student Help ME, Inc.. Simple Grad Solutions, Inc. and its subsidiaries (collectively, “StudentHelpMe”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.
This privacy policy applies to www.StudentHelp.Me and all websites and mobile apps owned and operated by StudentHelpMe on which this privacy policy is displayed (such websites and apps referred to hereafter as the “Website(s)” or “Site(s)”, whether individually or collectively, or collectively as “Services”) as well as StudentHelpMe affiliates.
Information We Collect
Identifying Information: We collect information that could identify you such as your name, address, telephone number, mobile number, email address, and Social Security Number. We may also collect this type of information from you about others, such as co-borrowers.
Financial Information: We may also collect your credit history, credit scores, your transaction history, and credit products, rates, and payments in the course of processing any application for our financial company partners’ products or services. For additional information relating to your choices about financial information specifically, see our Consumer Privacy Disclosure .
Other Information: We also collect information such as demographic data, data about your online activity, and other information that is not used to identify you.
How We Collect Information
Information provided by you: We collect information from you when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online form, over the phone, or via other means in which you interact with our Services.
Information from third parties: Information is collected from credit bureaus, lead generators and other partners who may have data on your financial profile, home, or other demographic information.
Information from cookies and other tracking technologies: We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Sites may not function properly.
How We Use Information
We may use collected information to:
- Deliver the products and services you requested
- Improve customer service
- Personalize your user experience
- Communicate with you about products or services that may be of interest to you
- Manage our business
Who Do We Share Your Information With?
StudentHelp Affiliates: We may share information about you or provide by you with the StudentHelpMe affiliates.
Network Partners: When you submit an inquiry or use another Service provided through the Website, you direct StudentHelpMe to share information about you or provided by you with lenders and other third parties in our network to deliver the products and services you request (collectively, “Network Partners”). PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services, and their privacy and information sharing practices are set forth in their respective privacy policies. Pursuant to the contracts between StudentHelpMe and its Network Partners, if you select a Network Partner through our Services, StudentHelpMe may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Loan. StudentHelpMe and its Network Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products. StudentHelpMe may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.
StudentHelpMe Service Providers: We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or Website or product support.
Other Situations: We may also disclose information about you or provided by you at our sole discretion:
In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the StudentHelpMe business, our users, our employees, or others; or to enforce our Site’s terms and conditions or other agreements or policies.
In connection with a substantial corporate transaction involving the StudentHelpMe business, such as a sale of StudentHelpMe or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
In connection with state and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries, we receive from you. You authorize StudentHelpMe to obtain any and all required information from the entities with whom you have interacted in connection with StudentHelpMe in order for StudentHelpMe to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.
Cookies and Do Not Track
We may use cookies and other technologies such as web beacons and pixels to collect information about your online activities over time and across third-party websites or online services or which may allow a third party to track your online activities over time and across different sites when you use the Websites.
The Websites may not respond to Do Not Track requests or headers from some or all browsers.
Marketing and Communications
Communications: You may adjust your communications preferences through your My StudentHelpMe profile. You may also modify your preferences by clicking on an unsubscribe link at the bottom of certain emails sent from StudentHelpMe.
Advertising on third party sites: We may use third-party tracking technology. This technology allows targeted advertisements to you from StudentHelpMe businesses. Please review the “Online Tracking and Opt-Out Guide” section of this Policy below for a detailed list of choices on how to opt out of ad targeting.
Updating and Accessing Your Information
The appropriate method(s) for accessing your information, if any, will depend on which Site or Services you have used. Depending on the respective Site or Service, you may have the ability to view or edit some of your information online using the respective Site or Service’s interface. If you have submitted a loan request through us, you can update your information by contacting our Customer Care Department at support@studenthelp.me. Our address is 3580 Wilshire Blvd Suite 132, Los Angeles, CA 90010.
How We Protect Your Information
We maintain physical, electronic, and procedural measures designed to safeguard your information from unauthorized access and disclosure. No system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure.
Changes to this Privacy Policy
StudentHelpMe has the discretion to update this privacy policy at any time. When we do, we will revise the date at the top of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Visiting our Websites From Outside the United States
The Site is designed to provide services in the United States and is governed by the laws of the United States. We make no representation that the Sites are governed by or operated in accordance with the laws of any other nation.
Compliance with Children’s Online Privacy Protection Rule
Our Services are not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18. If we learn we have collected or received personal information from a person under 18 without verification of parental consent, we will delete the information.
Online Tracking Opt-Out Guide
Like many companies online, we use services provided by Google, Facebook, and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt-out of having your online activity and device data collected through these services, which we have summarized below:
Blocking cookies in your browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
Blocking advertising ID use in your mobile settings. Your mobile device settings may provide the functionality to limit the use of the advertising ID associated with your mobile device for interest-based advertising purposes.
Using privacy plug-ins or browsers. You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery, or uBlock Origin, and configuring them to block third-party cookies/trackers.
Platform opt-outs. The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:
Google: https://adssettings.google.com
Facebook: https://www.facebook.com/about/ads
Twitter: https://twitter.com/personalization
Advertising industry opt-out tools. You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:
Digital Advertising Alliance: http://optout.aboutads.info
Network Advertising Initiative: http://optout.networkadvertising.org/?c=1
Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device that you use.
How to Contact Us If you have any questions about this privacy policy, the practices of any StudentHelpMe Business, or your dealings with a StudentHelpMe Business, please contact us at:
Compliance Officer
StudentHelpMe Inc.
3580 Wilshire Blvd Suite 132
Los Angeles, CA 90010
or
support@StudentHelp.Me or at 1-(800) 429-9568
NOTICE TO CALIFORNIA RESIDENTS
We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to provide this CCPA Notice to California residents to explain how we collect, use and share their personal Information, and the rights and choices we offer California residents regarding our handling of their personal information.
CCPA Scope and Exclusions
This CCPA Notice, including the description of our Privacy Practices and your Privacy Rights, apply only to California residents whose interactions with us are limited to:
- Visiting our consumer websites,
- Signing up for email alerts,
- Commenting on or contributing to our blogs,
- Establishing an account that does not include financial products or services, or
- Applying for our job openings on our websites (however, note that the CCPA limits some of the privacy rights for job applicants).
- This CCPA Notice does not apply to the personal information we collect, use or disclose about:
Consumers who initiate or complete the process of applying for financial products or services. This is because this information is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and implementing regulations, or the California Financial Information Privacy Act (“FIPA”), or Representatives of businesses that seek to obtain our products or services, or to provide products or services to us. For additional information relating to your choices about this information specifically, see our Consumer Privacy Disclosure.
Privacy Practices
We do not sell personal information. As we explain in our Privacy Policy:
We use cookies and other tracking technologies to analyze website traffic and facilitate advertising. If you would like to learn how you may opt out of our (and our third party advertising partners’) use of cookies and other tracking technologies, please review the instructions provided in the Online Tracking Opt-out Guide.
How you interact with us
Personal information collection
CCPA-defined categories
Sources of personal information
Purposes for which we may collect and use the personal information
Sharing
Sign up for email alerts
Interact with our blogs
Establish an account
Name or alias
Email address
Identifiers
Online identifiers
You
Operations
Communications
Research and development
Marketing
Shared with service providers
Made public at your direction
Visit our websites
Receive and respond to marketing emails
Device data
Online activity data
Information derived from device data and online activity data
Identifiers
Inferences
Internet or Network Information
Online identifiers
Automatic collection
Operations
Communications
Marketing
Advertising
Research and development
Collected directly by or shared with our service providers
Collected directly by advertising partners
Apply for our open positions on our website
Contact information
Professional
credentials and skills
Educational and work history
Other resume data you provide
Diversity information you voluntarily provide
Disability information where necessary
Identifiers
Online identifiers
Educational information
Professional or employment information
Protected classification characteristics
You
References
Background check and/or drug testing companies
Employment agencies or recruiters
Facilitate recruitment activities
Process employment applications
Monitoring recruitment statistics
Shared with service providers
Collected directly by or shared with background check and drug testing companies
Please note that we may also disclose all personal information as described in the “Who Do We Share Your Information With?” section of the Privacy Policy.
Privacy Rights
The CCPA grants individuals the following rights:
Information. You can request information about how we have collected, used and shared your Personal Information during the past 12 months.
Access. You can request a copy of the personal information that we maintain about you.
Deletion. You can ask us to delete the personal information that we collected or maintain about you.
Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. We will also respond to requests for information and access only to the extent we are able to associate with a reasonable effort the information we maintain with the identifying details you provide in your request. If we deny your request, we will communicate our decision to you. You are entitled to exercise the rights described above free from discrimination.
How to Submit a Request
To request access to or deletion of personal information:
Call 1-(800) 429-9568
Email: support@StudentHelp.me
Identity verification. The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request. We will ask you to verify your identity when you submit a request.
Authorized agents. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
Notice of Collection of Personal Information. We list the categories of your information that we collect and the business and commercial purposes for our use as described in the detailed chart above.