LeverEdge
Effective December 2, 2018

This is our first privacy policy. Future changes, at our discretion, will be summarized for your convenience.

LeverEdge Privacy Policy

This Privacy Policy describes how your personal information is collected, used, and shared when you visit or submit information from https://leveredge.org (the “Site”).

1. INFORMATION WE COLLECT ABOUT YOU

Information you provide us

When you submit any form through the Site, we collect certain information from you, including:

  • Your Name
  • Your Email Address
  • Your School / University Information
  • Your Educational Program Information
  • Your Graduation Year
  • Your Immigration Status
  • If you have a cosigner
  • Your Cosigner's Immigration Status
  • Your Credit Score
  • Your Cosigner's Credit Score
  • Your Annual Income
  • Your Loan Balance
  • If you have a job offer
  • If you are employed

We refer to this information as "Order Information."

Information we collect automatically about you

When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”

We collect Device Information using the following technologies:

  • “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
  • “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
  • “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.
Personal Information

When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Order Information.

2. HOW DO WE USE YOUR PERSONAL INFORMATION?

We never intend to collect personal information from children under 13 years of age. If we learn or are notified that we have collected this information from a child under the age of 13, we will promptly remove the data from our system to the best of our abilities.

We use the Order Information that we collect generally to fulfill any requests or orders placed through the Site. We use this Order Information to:

  • Negotiate with lenders;
  • Communicate with you;
  • Screen our requests/orders for potential risk or fraud; and
  • Provide you with information or advertising relating to our products or services.

We use the Device Information that we collect to help us screen for potential risk and fraud, and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).

3. SHARING YOUR PERSONAL INFORMATION

We share your Personal Information with third parties to help us collect and use your Personal Information, as described above. For example,

  • We share your information with many lenders when we engage in negotiations with them.
  • We use a third-party (currently TypeForm) to collect order information from you.
  • We use Google Analytics to help us understand how our customers use the Site--you can read more about how Google uses your Personal Information here: https://www.google.com/intl/en/policies/privacy/. You can also opt-out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.

Third parties may retain or use your Personal Information whether or not you use their services. You should contact these Partners directly concerning their privacy practices.

Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

4. HOW WE STORE INFORMATION

We use Amazon Web Services Infrastructure, Google Drive infrastructure, MailChimp infrastructure, TypeForm infrastructure and computers owned by LeverEdge Association or employee/managers of LeverEdge Association to store, process, and transfer your information collected through our Site and Service. You can read more about the privacy policy of third parties we use here:

  • Amazon Web Services - https://aws.amazon.com/privacy/ and https://aws.amazon.com/compliance/data-privacy-faq/
  • Google Drive - https://policies.google.com/privacy
  • MailChimp - https://mailchimp.com/legal/privacy/
  • TypeForm - https://www.typeform.com/help/category/billing/ (See Privacy + Security Section)

5. HOW WE PROTECT YOUR INFORMATION

We maintain physical, administrative and technological safeguards to preserve the integrity and security of all information collected. We use authentication and encryption code and protocols to encrypt your information in transit and storage. However, our security system is likely not impenetrable. In the event that any information under our control is compromised, and we become aware of that compromise, we will take reasonable steps to investigate the situation and where appropriate notify those individuals whose information may have been compromised.

6. HOW WE RETAIN OR SHARE INFORMATION OF PERSONS WHO ARE NO LONGER CUSTOMERS

We retain information, including Personally Identifiable Information for as long as permitted by applicable law. We may retain aggregated data indefinitely.

7. BEHAVIOURAL ADVERTISING

As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

You can opt out of targeted advertising by:

  • FACEBOOK - https://www.facebook.com/settings/?tab=ads
  • GOOGLE - https://www.google.com/settings/ads/anonymous
  • BING - https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads

Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: http://optout.aboutads.info/.

8. HOW USERS CAN REVIEW AND REQUEST CHANGES TO THEIR INFORMATION

If you would like to update Order Information that you have provided us, you may contact us through one of the means listed in the "Contact Us" section below. Note that certain information is required to respond and process requests/orders/inquiries; requests to delete required information may result in our inability to respond and process requests/orders/inquiries.

Data shared with some third parties as described above, (such as lenders), will not be modified or deleted via a request to LeverEdge Association. Please contact third parties directly to update any information provided to them. We may require up to 12 months to share a list of third parties with whom we have shared your data with.

We are unable to respond to or act on requests to modify Device Information.

9. DO NOT TRACK

Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.

10. CHANGES

We may add to, delete, or change the terms of this Privacy Policy from time to time by posting a notice of the change (or an amended Privacy Policy) at this Site and updating the "effective" date at the top of this page.

11. CONTACT US

For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at privacy@leveredge.org or by mail using the details provided below:

6 Soldiers Field Park APT 505,
Boston,
MA, 02163,
United States

Nikhil Agarwal is designated as the employee responsible for the information security program at LeverEdge Association. Nikhil Agarwal can be contacted via email at privacy@leveredge.org for any privacy related concerns.