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Privacy Policy and Terms of Use

Privacy Policy

At Find Colleges USA, we continue to develop technological enhancements for students, families, schools and our partners. We are committed to excellence in customer service, and your privacy is important to us. This is the Privacy Policy for all Find Colleges USA websites, including the website currently located at www.findcollegesusa.com (collectively "Site" or "Sites"). We have prepared this Privacy Policy to explain how we collect, use, and protect Personal Information (defined below) and Non-Personal Information (defined below) when you use the Site and your choices for managing your information preferences. By using the Site, you signify your assent to this Privacy Policy and the Site's Terms of Use.

This Privacy Policy is effective on June 1, 2010.

Personal Information
Find Colleges USA does not collect information that personally identifies you, such as your name, address, email address, social security number and similar identifying information ("Personal Information"), unless you expressly provide it to us through one of our online services. If you choose to register on a Site in order to utilize an online service that requires you to log in, Find Colleges USA may collect basic Personal Information.

The Site enables you to voluntarily provide Personal Information to third parties such as college or university admissions departments. If you choose to submit an online loan application, we may collect information such as your Social Security Number, and that of your endorser or co-borrower, if applicable, date of birth, driver's license number, phone number, and references required for the completion of a student loan application.

Non-Personal Information
We automatically collect information that does not reflect or reference an individually identifiable user to help us understand how our users use the Site. Like most websites, we automatically collect and use the data contained in log files. The information in the log files may include your IP (internet protocol) address, your ISP (internet service provider), the Web browser you used to visit the Site, the time you visited the Site, which Web pages you visited on the Site, and other anonymous Site usage data. We call this type of information "Non-Personal Information."

Cookies and Web Beacons
We use cookies (a small file containing a string of characters that uniquely identifies your Web browser) and Web beacons (an electronic file placed within a Web site that monitors usage). We use cookies and Web beacons to improve the quality of the Site. Most Web browsers are initially set up to accept cookies, but you can reset your Web browser to refuse all cookies or to indicate when a cookie is being sent. However, certain features of the Site may not work if you delete or disable cookies. Certain of our Service Providers (defined below) may use cookies and Web beacons in connection with the services they perform on our behalf, including, without limitation, marketing and advertising campaigns.

How we use Personal Information and Non-Personal Information
We use Personal Information and Non-Personal Information for internal purposes, such as to notify you of new products or services, to send service notifications, to customize the advertising and content you see, to fulfill your requests for products and services, to improve the Site, to conduct research, to solicit your feedback and input about the Site, and to provide more relevant products, services, and advertisements on or through the Site. Personal Information and Non-Personal Information may be combined with data collected from other sources so that we may further improve the relevance of products, services, and advertisements offered on or through the Site.

Unless you provide us consent, information you provide to be shared with colleges, universities or lenders will not be provided by Find Colleges USA to any third party other than the colleges, universities that you select or to prospective lenders, or to third parties acting on their behalf. The selected colleges, universities or lenders or such third parties acting on their behalf will be communicating with you, and their use of your data is governed by their privacy policies.

From time to time, we might establish a business relationship with other persons or entities whom we believe trustworthy and whom we have asked to confirm that their privacy practices are consistent with ours ("Service Providers"). For example, we may contract with Service Providers to provide certain services, such as credit card processing, advertising, analytics tools, widget providers, data management services, Web hosting, and Web development. We provide our Service Providers with the information reasonably necessary for them to perform these services. Each Service Provider must agree to implement and maintain reasonable security procedures and practices appropriate to the nature of the information involved in order to protect your information from unauthorized access, destruction, use, modification, or disclosure.

We may use, and disclose to third parties, certain Non-Personal Information regarding the Site (e.g., number of visits, page views, number of registered members who reside in a particular geographic location, etc.). However, such information does not identify you individually.

We may work with third-party marketing and advertising companies including Yahoo! Inc. and Google Inc. which may use information about your visit to the Site in order to provide advertisements about goods and services that may be of interest to you on the Site and on third-party websites. From the Site, these companies may place or recognize a unique cookie on your computer or use other technologies such as Web beacons or pixel tags. Our Privacy Policy does not cover any use of information that a third-party advertisement serving company may collect from you. For more information about ad cookies and companies that provide users the ability to "opt-out" of the collection of information from such cookies, please click here.

We may share Personal Information and Non-Personal Information with entities controlling, controlled by, or under common control with Find Colleges USA. In the event that Find Colleges USA is merged, sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer Personal Information and Non-Personal Information in connection with such transaction.

In certain instances we may disclose Personal Information and Non-Personal Information when we believe it is necessary to identify, contact, or bring legal action against persons or entities in order to protect Find Colleges USA or our users or when we believe that the law or legal process requires such disclosure.
Communication Tools; Public Areas

If you elect to use our referral service for informing a friend about one of our Sites, Find Colleges USA will automatically send your friend a one-time e-mail inviting them to view the article that you are sending them. Find Colleges USA does not store this information, and it is for the sole purpose of sending the one-time e-mail.

Please be advised that, whenever you voluntarily post information to any community or interactive areas of the Site, such information can and may be accessed by the public. This means that any person or entity with access to such information can potentially use it for any purpose, including sending unsolicited communications.
Confidentiality and Security

Information collected on or through the Site is stored on servers using encryption technology. For security in-house, security procedures are in place to prevent unauthorized access to any user information. However, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect information transmitted on or through the Site, we cannot and do not guarantee or warrant the security of any information you transmit on or through the Site, and you do so at your own risk.
Passwords

Children's Privacy Statement
We do not knowingly collect Personal Information from children under the age of 13. If we become aware that we have inadvertently received Personal Information from a child under the age of 13, we will delete such information from our records.

Changes to this Privacy Policy
Find Colleges USA may, from time to time, amend this Privacy Policy by posting the amended Privacy Policy on the Site. Your continued use of the Site constitutes your agreement to abide by the Privacy Policy as changed. If you object to any such changes, your sole recourse shall be to cease using the Site.

Contact information
If you have any questions about this policy please contact:
Consumer Privacy
Find Colleges USA
contact@findcollegesusa.com

Terms of Use

These Terms of Use govern your use of all Find Colleges USA websites, including the website currently located at www.findcollegesusa.com (collectively "Site" or "Sites"). Please read these Terms of Use carefully before using the Site. By using the Site, you signify your assent to these Terms of Use. If you do not agree to these Terms of Use, you may not use the Site.

These Terms of Use are effective on June 1, 2010..

1. Ownership
The content on the Site, other than User Content (defined below) and certain publicly available information, including, without limitation, text, software, scripts, graphics, photos, sounds, music, videos, interactive features, and the like ("Content") and the Find Colleges USA word marks and Find Colleges USA design marks, as well as certain other of the names, logos, and materials displayed on or through the Site that constitute trademarks ("Marks") are owned by or licensed to Find Colleges USA and are subject to copyright, trademark, and other intellectual property rights under U.S. and international laws.

2. Use of the Site and Content
You agree not to reproduce, duplicate, copy, sell, resell, or exploit for any purposes the Site, or any portion of the Site, including, without limitation, Content and Marks, except as authorized by these Terms of Use or as otherwise authorized in writing by Find Colleges USA and its applicable licensors. The Site is provided for your personal, non-commercial use only. You must abide by all copyright notices, information, or restrictions contained in or associated with any Content. You agree that Find Colleges USA may use any information Find Colleges USA obtains about you in accordance with the provisions of Find Colleges USA's Privacy Policy.

Prohibited content and activities include, without limitation, the following:

(a) violating any local, state, national, or international law or regulation;

(b) transmitting any material that is abusive, harassing, tortious, defamatory, vulgar, pornographic, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable;

(c) transmitting any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation;

(d) knowingly transmitting any material that contains adware, malware, spyware, software viruses, or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;

(e) stalking, harassing, or harming another individual;

(f) impersonating any person or entity, or otherwise misrepresenting your affiliation with a person or entity;

(g) interfering with or disrupting the Site or servers or networks connected to the Site, or disobeying any requirements, procedures, policies, or regulations of networks connected to the Site; and

(h) launching any automated system, including, without limitation, "robots," "spiders," "offline readers," etc., that accesses the Site in a manner that sends more request messages to the Site in a given period of time than a human can reasonably produce in the same period by using a conventional Web browser.

3. User Content
The Site may enable you to submit your personal content to the Site for hosting, display, and distribution to other users of the Site (collectively "User Content"), such as posting messages and other content to community and interactive areas of the Site. When you provide Find Colleges USA with User Content, you hereby grant to Find Colleges USA and its affiliates, representatives, and assigns a non-exclusive, worldwide, fully paid, royalty free, transferable, sub-licensable, license and permission to display, publicly perform, distribute, store, transcode, syndicate, broadcast, transmit, reproduce, edit, modify, create derivative works, and otherwise use and reuse your User Content (or any portions or derivative works thereof) in any manner, in any medium, for any purpose. You acknowledge and agree that you have no expectation of compensation or confidentiality of any nature with respect to any Submission. User Content may be available to other users of the Site. Find Colleges USA reserves the right to display advertisements in connection with your User Content and to use your User Content to advertise and promote your User Content, the Site, and Find Colleges USA. Find Colleges USA reserves the right to modify User Content in its sole and absolute discretion. Find Colleges USA is not required to host, display, or distribute any User Content, and may delete, move, or edit User Content at any time.

Find Colleges USA does not, as part of a regular, established practice, monitor, control, or have knowledge of any User Content transmitted on or through the Site. You agree that you are solely responsible for all User Content you transmit and receive on or through the Site.

You represent and warrant that:

(a) you own all rights in your User Content (including, without limitation, all rights to the audio, video, or digital recording, and the performance contained in your User Content) or, alternatively, you have acquired all necessary rights in your User Content to enable you to grant to Find Colleges USA the rights in your User Content described herein;

(b) you have paid and will pay in full all license fees, clearance fees, and any other financial obligations, of any kind, arising from any use or commercial exploitation of your User Content;

(c) you are the individual pictured or heard in your User Content, or, alternatively, you have obtained permission from each person (including consent from parents or guardians for any individual under the applicable age of majority) who appears or is heard in your User Content to enable you to grant the rights to Find Colleges USA described herein;

(d) you will make such permissions available to Find Colleges USA upon request; and

(e) your User Content do not infringe the intellectual property rights, privacy rights, publicity rights, or any other legal or moral rights of any third party.

You agree to keep all records necessary to establish that your User Content do not violate any of the foregoing representations and warranties and to make such records available to Find Colleges USA upon Find Colleges USA's request.

4. Feedback
You further agree that Find Colleges USA and its affiliates are free to use for any purpose whatsoever, ideas, know-how, concepts, techniques, comments, criticisms, reports, or other feedback other than User Content ("Feedback"), whether oral or written, that you may send to Find Colleges USA or its affiliates. You acknowledge and agree that you have no expectation of compensation or confidentiality of any nature, and that Find Colleges USA has no duties to you, with respect to such Feedback.

5. Digital Millennium Copyright Act
Find Colleges USA respects the intellectual property rights of others. Upon proper notice, Find Colleges USA will remove User Content or other applicable content that violate copyright law and terminate the accounts of repeat infringers. Pursuant to 17 U.S.C. ยง 512, Find Colleges USA has implemented procedures for receiving written notification of claimed copyright infringement and for processing such claims in accordance with such law. If you believe your work has been copied in a way that constitutes copyright infringement, please send Find Colleges USA's copyright agent (listed below) a notification of claimed infringement with all of the following information:

(a) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works;

(b) identification of the claimed infringing material and information reasonably sufficient to permit Find Colleges USA to locate the material on the Site;

(c) information reasonably sufficient to permit Find Colleges USA to contact you, such as an address, telephone number, and, if available, an email address;

(d) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright Find Colleges USA, its agent, or the law;

(e) a statement by you, made under penalty of perjury, that the above information in your notification is accurate and that you are the copyright Find Colleges USA or authorized to act on the copyright Find Colleges USA's behalf; and

(f) your physical or electronic signature.

Please send all of the above enumerated information to the following Find Colleges USA email:

contact@findcollegesusa.com

Please do not send notices or inquiries unrelated to alleged copyright infringement to Find Colleges USA's contact email.

6. Links to and from other Websites
The Site may provide, or users of the Site may provide, links to other websites or resources. Because we have no control over such third-party websites and resources, you acknowledge and agree that Find Colleges USA is not responsible for the availability of such websites or resources, and Find Colleges USA does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources. You further acknowledge and agree that Find Colleges USA shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, products, or services available on or through any such website or resource.

7. Disclaimer
YOU EXPRESSLY AGREE THAT USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, FIND COLLEGES USA AND ITS AFFILIATES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE (INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, AND NON-INFRINGEMENT). Find Colleges USA AND ITS AFFILIATES MAKE NO REPRESENTATION OR WARRANTIES ABOUT THE ACCURACY OR COMPLETENESS OF CONTENT AVAILABLE ON OR THROUGH THE SITE OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY:

(a) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT;

(b) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE SITE;

(c) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR ANY AND ALL PERSONAL INFORMATION OR FINANCIAL INFORMATION STORED THEREIN;

(d) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE;

(e) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY; AND

(f) FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, E-MAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE ON OR THROUGH THE SITE.

FIND COLLEGES USA AND ITS AFFILIATES DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE OR ANY LINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND Find Colleges USA AND ITS AFFILIATES WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD PARTY PROVIDERS OF PRODUCTS OR SERVICES. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE ARISING THEREFROM. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Find Colleges USA OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

8. Limitation of Liability
YOU UNDERSTAND THAT TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL Find Colleges USA OR ITS OFFICERS, EMPLOYEES, DIRECTORS, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE UNDER ANY THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STATUTORY, OR OTHERWISE) FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF SUCH PARTIES WERE ADVISED OF, KNEW OF, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM YOUR (OR ANYONE USING YOUR ACCOUNT'S) USE OF THE SITE.

9. Exclusions and Limitations
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations and disclaimers may not apply to you. To the extent Find Colleges USA may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of Find Colleges USA's liability shall be the minimum permitted under such applicable law.

10. Indemnity
You agree to indemnify, defend, and hold harmless Find Colleges USA, its parents, subsidiaries, affiliates, officers, directors, employees, consultants, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys' fees and costs) that such parties may incur as a result of or arising from (a) any information or content you (or anyone using your account) submit, post, or transmit on or through the Site; (b) your (or anyone using your account's) use of the Site; (c) your (or anyone using your account's) violation of these Terms of Use; or (d) your (or anyone using your account's) violation of any rights of any other person or entity, including, without limitation, any copyright, patent, trademark, trade secret, other intellectual property, or proprietary rights of any person or entity. Find Colleges USA reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with Find Colleges USA in asserting any available defenses.

11. Force Majeure
Without limiting the foregoing, under no circumstances will Find Colleges USA be held liable for any delay or failure in performance due in whole in or in part to any acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, software bugs, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, earthquakes, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

12. Termination
If you violate any of these Terms of Use, your permission to use the Site and the Content automatically terminates.

13. Modifications to the Site
Find Colleges USA reserves the right to modify or discontinue the Site with or without notice to you. Find Colleges USA shall not be liable to you or any third party should Find Colleges USA exercise its right to modify or discontinue the Site.

14. Other Provisions
These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any conflict of laws rules or provisions. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the Site shall be filed only in the state or federal courts located in California and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these Terms of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions. The failure of Find Colleges USA to enforce any right or provision of these Terms of Use will not be deemed a waiver of such right or provision. These Terms of Use, together with Find Colleges USA's Privacy Policy and any other rules or guidelines posted in connection with the Site, are the entire and exclusive agreement between Find Colleges USA and you regarding the Site, and these Terms of Use supersede and replace any prior agreements between Find Colleges USA and you regarding the Site.

15. Terms of Use Changes
Find Colleges USA may, in its sole and absolute discretion, change these Terms of Use from time to time. Find Colleges USA will post a copy of the Terms of Use as changed on the Site. Your continued use of the Site constitutes your agreement to abide by the Terms of Use as changed. If you object to any such changes, your sole recourse shall be to cease using the Site.



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