At www.momairsa.com 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 www.momairsa.com, Inc. websites, including the website currently located at www.momairsa.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, 2016.
Personal Information
www.momairsa.com 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, www.momairsa.com may collect basic Personal Information. You may verify, correct, update, or change your registration information at any time by e-mailing us at info@www.momairsa.com
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 or relevant 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 to you or on or through the Site.
When you request information regarding colleges, universities or lenders, we may provide your Personal Information to those colleges, universities or lenders or to third parties acting on their behalf. Unless otherwise stated in this Privacy Policy, your Personal Information will not be provided by www.momairsa.com 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 may communicate with you, and their use of your data is governed by their privacy policies.
When you provide us with your telephone number, you acknowledge that we or the selected colleges, universities or lenders or such third parties acting on their behalf may contact you at that number and may do so using an automatic telephone dialing system and/or an artificial or prerecorded voice. If you subsequently request that we not contact you at that number, we will attempt to honor your request as soon as possible.
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. We may use Google Analytics and the Doubleclick cookie to serve ads based on a user’s prior visit to the Site. Users may opt out of the Doubleclick cookie by visiting this page. Users may opt out of Google Analytics by visiting this page. Our Privacy Policy does not cover any use of information that a third-party advertisement serving company may collect from you.
We may share Personal Information and Non-Personal Information with entities controlling, controlled by, or under common control with www.momairsa.com. In the event that www.momairsa.com 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 www.momairsa.com 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, College-
Locator will automatically send your friend a one-time e-mail inviting them to view the article that you are sending them. www.momairsa.com 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
There is a link available on the www.momairsa.com log-in page to enable you to change your password at any time. If you forget your password, there is a link on the log-in page that will enable you to enter your Username or e-mail address with which you originally registered. When you submit this information, if your information matches what www.momairsa.com has recorded for you, your username and password will be e-mailed to you.
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
www.momairsa.com 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.