Collection, Use, and Sharing of Data
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on website forms and in other communications;
- Information about your transactions with us, our affiliated companies, or others; and
- Information we receive from third parties (if we receive personal information from a third-party source and/or if we combine the information we receive from these third-party sources with your personal information, we will treat that information as personal information. We are not responsible for the accuracy of the information provided by third parties or how such third parties collect, use, and share such information).
We may store your information indefinitely, including the period after which any customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis. We may, in our sole discretion, share with third parties information that is not associated with your name or identity, such as website usage information, non-personally identifiable demographic information, and aggregate user statistics.
We may share your personal information with non-affiliated third parties as necessary for us to provide the product or service you or your lender/service provider have requested of us, as permitted by law, with third-party service providers so that they may perform certain services for us, or as otherwise specified herein. Such disclosures may include situations in which we are required to respond to subpoenas or other legal process, or are responding to the request of governmental authorities conducting an investigation.
We may also provide all of the types of nonpublic personal information listed above to one or more of our affiliated companies.
It is possible that CourseMark, its subsidiaries, affiliates, joint venture companies, or any combination of them, could merge with or be acquired by another legal entity. In such event, or in the event of any other proposed or actual purchase, sale (including a liquidation, realization, foreclosure, or repossession), lease, merger, amalgamation, or any other type of acquisition, disposal, transfer, conveyance, or financing of all or any portion of CourseMark or of any of the business or assets or shares of CourseMark or a subsidiary or division thereof, CourseMark may share your information with third parties. Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies or to other financial institutions with which we or our affiliated companies have joint marketing agreements. In some circumstances, we will request your consent to share your information with nonaffiliated third parties, such as lenders, realtors, and insurers, so that they may offer you products and services that may be of interest to you.
Cookies and Other Tracking Technologies
The website uses “cookie” technology to measure website activity and to collect information such as browser type, time spent on the website, pages visited and other information about your visit to the website. Cookies are also used to prefill information previously entered into forms and to customize information to your personal tastes. A cookie is an element of data that an Internet site can send to your browser. Cookies are stored on your computer. We may share information about you that we collect through a cookie with third parties who help us analyze Website data.
We may also include small graphic images called web beacons, also known as “Internet tags” or “clear gifs,” in our web pages and email messages. We may use web beacons or similar technologies for a number of purposes, including, without limitation, to count the number of visitors to the website, to monitor how users navigate the website, and to count how many emails that we sent were actually opened or how many particular articles or links were actually viewed.
We may also use embedded scripts on the website. An embedded script is programming code that is designed to collect information about your interactions with the website. It is temporarily downloaded onto your computer from our web server or a third party with whom we work, is active only while you are connected to the website, and is deleted or deactivated thereafter.
Automatically collected information about you, such as how you interact with the website, may be combined with your personal information. If we associate any such automatically collected information with personal information about you, we will treat the combined information as personal information.
We maintain reasonable safeguards to help secure personal information that is disclosed to CourseMark via the website. We maintain appropriate physical, electronic, and procedural safeguards to help guard your personal information. We provide information to our subsidiaries, affiliated companies, and other businesses or persons for the purposes of processing such information on our behalf, some or all of which may store your information on servers located outside of the United States.
California Privacy Rights
When California customers provide personal information to a business, they have the right to request certain disclosures if that business shares personal information with third parties for the third parties’ direct marketing purposes. Once per calendar year the customer may request that the business provide a list of companies with which it shares personal information for those companies’ direct marketing purposes, and a list of the categories of personal information that the business shares. CourseMark generally does not sell products or services directly to individual California consumers. However, if we engage in such contact, you may request information about our compliance with this law by contacting us at:
1005 Blairs Ferry Road NE
Cedar Rapids, IA 52402
Any such inquiry must include “California Privacy Rights Request” in the first line of the description and include your name, street address, city, state, and ZIP code. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address or mail address.
Children’s Online Privacy
Our site is not intended for children under the age of 13. We do not intentionally or knowingly collect personally identifiable information from children under the age of 13 and we request that individuals under the age of 13 do not submit any personal information on the website. If we learn that we have received identifying information from a user under the age of 13, we will delete this information.
There may be hyperlinks on the website to other websites or locations that are operated and controlled by third parties (“third-party websites”). These third-party websites may solicit personal information from you. We make no representations regarding the policies or business practices of such third-party websites and encourage you to familiarize yourself with their privacy policies before providing them with your personal information.
Consent to Transfer Information and Safe Harbor Certification
The website is operated in the United States. If you are located outside of the United States, and are accessing or using the website, please be aware that information we collect, including personal information, will be transferred to, processed, and stored in the United States. By using the website or providing us with any information through the website, you consent to this transfer, processing, and storage of your information in the United States.
Changes to This Statement
1005 Blairs Ferry Road NE
Cedar Rapids, IA 52402