Last updated: March 10, 2018
Information We Collect
Information You Provide Us
We may also ask you to create login information for your 1CAVEAT account, such as a username and password. When you provide your mobile phone number, we may ask for your consent to receive or send text messages relating to our Services at that number. You may withdraw your consent by contacting us as indicated below. Please note that if you withdraw your consent to receive text messages from us, you may not be able to use some of our Services. Your mobile carrier's standard text message and data charges may apply to text messages you receive from us, and you are responsible for any fees charged by your mobile carrier if we contact you.
Information About Your Transactions
We collect Personal Information about your transactions with us and others.
Information From Third Parties
We also collect Personal Information about you from other companies. For instance, we may receive Personal Information about you from a consumer reporting agency, loan agency or banking institution. We may be required to validate student loan lien holder information for purpose of automated payments to the institution.
Information Automatically Collected
Information that we automatically collect in connection with your access or use of our Services may include:
Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your 1CAVEAT account.
Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:
The Device's Internet Protocol ("IP") address
Identification numbers associated with your Devices
Device event information, such as crashes, system activity, and hardware settings
Date and time stamps of transactions
System configuration information
Other interactions with our Services
Information Collected Through Cookies and Similar Technologies
The cookies we use in connection with our Services include:
Session cookies: Session cookies are temporary cookies that expire and are automatically erased whenever you close your browser window. We use session cookies to grant users access to content and to enable actions they must be logged into their 1CAVEAT account to perform.
Persistent cookies: Persistent cookies usually have an expiration date in the distant future and remain in your browser until they expire or you manually delete them. We use persistent cookies to better understand usage patterns so we can improve our Services. For example, we may use a persistent cookie to associate you with your 1CAVEAT account or to remember your choices for our Services.
Third-party cookies: We permit certain third parties to place cookies through our Services to provide us with better insights into the use of our Services and user demographics and to advertise our Services to you. These third parties may collect information about your online activities over time and across different websites when you access or use our Services. For example, we may utilize Google Analytics to analyze usage patterns for our Services. Google Analytics generates a cookie to capture information about your use of our Services, which Google uses to compile reports on website activity for us and to provide other related services. Google may use a portion of your IP address to identify its cookie, but this will not be associated with any other data held by Google. We may also permit third-party service providers to place cookies for our Services, as indicated above, to perform analytic or marketing functions where you are notified of them and you have consented to the usage. We do not control the use of such third-party cookies or the resulting information, and we are not responsible for any actions or policies of such third parties.
How We Use Information
How We Share Information
We do not share your Personal Information with: (1) other financial companies for joint marketing purposes; (2) affiliated companies for their everyday business purposes; or (3) any third parties so they can market to you.
Accessing Your Information
You must notify us of any change in your Personal Information by updating your 1CAVEAT account profile through our Services. Any changes will affect only future uses of your Personal Information.
You can ask us whether we are storing your Personal Information and you can ask to receive a copy of that Personal Information. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information we hold about you.
Information You Share Socially
Our Services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends.
Our Services may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others, as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.
We have, and require our third-party service providers that receive Personal Information from us to have, a comprehensive written information security program that contains administrative, technical, and physical safeguards for our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect information contained within such systems from loss, misuse, or alteration. When your bank account information is transmitted via our Services, it will be protected by encryption technology, such as Secure Sockets Layer (SSL).
No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your username and password for your 1CAVEAT account and do not share them with others. If we receive instructions using your 1CAVEAT account login information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your 1CAVEAT account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate 1CAVEAT accounts, and to remove or edit content.
Protecting Children's Privacy
Our Services are not directed, or intended to be attractive, to children under the age of 18. We do not knowingly collect Personal Information from children under the age of 18. If you are under the age of 18, do not use our Services or submit any information to us.
Links to Third-Party Websites
Using the Service from Outside the United States
If you are accessing or otherwise making use of the Service from outside the United States, please be aware that your information may be transferred to, stored or processed in the United States, where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country, but please be assured that we take steps to protect your privacy. By accessing or otherwise making use of the Service, you acknowledge and agree that we have the express right to transfer your information across jurisdictions and international borders to our facilities and to those third parties with whom we share it as described in this Policy.