PRIVACY STATEMENT
This privacy statement discloses the privacy practices for
www.educationfinanceandloan.com.
Because this web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices published on the following areas.
1.
What personally
identifiable information of yours or third party personally identification is
collected from you through the web site
2.
The organization collecting the information
3.
How the information is used
4.
With whom the information may be shared
5.
What choices are available to you regarding collection, use and
distribution of the information
6.
How you can correct any inaccuracies in the information.
David
W Clark & Associates is the sole owner of the information collected on this site.
We will not sell, share, or rent this information to others in ways
different from what is disclosed in this statement.
Registration
In order to use certain parts of this website, a user must first complete the registration form.
During registration a user is required to give their contact information
(such as name and email address). This
information is used to contact the user about the services on our site for which
they have expressed interest. It is
optional for the user to provide demographic information (such as income level
and gender), and unique identifiers (such as social security number), but
encouraged so we can provide a more personalized experience on our site.
Order
We request information from the user on our order form.
Here a user must provide contact information (like name and shipping
address) and financial information (like credit card number, expiration date).
This information is used for billing purposes and to fill customer’s
orders. If we have trouble
processing an order, this contact information is used to get in touch with the
user.
Cookies
A cookie is a piece of data stored on the user’s hard drive containing
information about the user. Usage
of a cookie is in no way linked to any personally identifiable information while
on our site. Once the user closes
their browser, the cookie simply terminates.
For instance, by setting a cookie on our site, the user would not have to
log in a password more than once, thereby saving time while on our site.
If a user rejects the cookie, they may still use our site.
The only drawback to this is that the user will be limited in some areas
of our site. For example, the user
will not be able to participate in any of our Sweepstakes, Contests or monthly
Drawings that take place. Cookies can also enable us to track and target the
interests of our users to enhance the experience on our site.
Some
of our business partners use cookies on our site (for example, advertisers).
However, we have no access to or control over these cookies.
Log Files
We use IP addresses to analyze trends, administer the site, track user’s
movement, and gather broad demographic information for aggregate use.
IP addresses are not linked to personally identifiable information.
Sharing
We will share aggregated demographic information with our partners and
advertisers. This is not linked to any personal information that can identify
any individual person.
We
use an outside shipping company to ship orders, and a credit card processing
company to bill users for goods and services. These companies do not retain,
share, store or use personally identifiable information for any secondary
purposes.
We
partner with another party to provide specific services. When the user signs up
for these services, we will share names, or other contact information that is
necessary for the third party to provide these services.
These
parties are not allowed to use personally identifiable information except for
the purpose of providing these services.
Links
This web site contains links to other sites. Please be aware that we [David
W Clark & Associates] are not responsible for the privacy practices of such other sites.
We encourage our users to be aware when they leave our site and to read
the privacy statements of each and every web site that collects personally
identifiable information. This
privacy statement applies solely to information collected by this Web site.
Newsletter
If a user wishes to subscribe to our newsletter, we ask for contact
information such as name and email address.
Surveys & Contests
From time-to-time our site requests information from users via surveys or
contests. Participation in these
surveys or contests is completely voluntary and the user therefore has a choice
whether or not to disclose this information.
Information requested may include contact information (such as name and
shipping address), and demographic information (such as zip code, age level).
Contact information will be used to notify the winners and award prizes.
Survey information will be used for purposes of monitoring or improving
the use and satisfaction of this site.
Security
This website takes every precaution to protect our users’ information.
When users submit sensitive information via the website, your information
is protected both online and off-line.
When our registration/order form asks users to enter sensitive information (such as credit card number and/or social security number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when you are just ‘surfing’.
While
we use SSL encryption to protect sensitive information online, we also do
everything in our power to protect user-information off-line.
All of our users’ information, not just the sensitive information
mentioned above, is restricted in our offices.
Only employees who need the information to perform a specific job (for
example, our billing clerk or a customer service representative) are granted
access to personally identifiable information.
Our employees must use password-protected screen-savers when they leave
their desk. When they return, they
must re-enter their password to re-gain access to your information.
Furthermore, ALL employees are kept up-to-date on our security and
privacy practices. Every quarter,
as well as any time new policies are added, our employees are notified and/or
reminded about the importance we place on privacy, and what they can do to
ensure our customers’ information is protected.
Finally, the servers that we store personally identifiable information on
are kept in a secure environment, behind a locked cage.
If
you have any questions about the security at our website, you can send an email
to security@gallerydavid.com.
Special Offers
We
send all new members a welcoming email to verify password and username.
Established members will occasionally receive information on products, services,
special deals, and a newsletter. Out of respect for the privacy of our users we
present the option to not receive these types of communications. Please see our
choice and opt-out below.
Site
and Service Updates
We
also send the user site and service announcement updates. Members are not able
to un-subscribe from service announcements, which contain important information
about the service. We communicate with the user to provide requested services
and in regards to issues relating to their account via email or phone.
Correction/Updating
Personal Information:
If
a user’s personally identifiable information changes (such as your zip code),
or if a user no longer desires our service, we will endeavor to provide a way to
correct, update or remove that user’s personal data provided to us.
This can usually be done at the member information page
or by emailing our Customer Support.
[Some sites may also provide telephone or postal mail options for
updating or correcting
personal information].
Choice/Opt-out
Users
who no longer wish to receive our newsletter or promotional materials from our
partners may opt-out of receiving these communications by replying to
unsubscribe in the subject line in the email or clicking on an unsubscribe link
provided. [Some sites are able to offer opt-out mechanisms on member information
pages and also supply a telephone or postal option as a way to opt-out.]
Notification of Changes
If we decide to change our privacy policy, we will post those changes on our
Homepage so our users are always aware of what information we collect, how we
use it, and under circumstances, if any, we disclose it.
If at any point we decide to use personally identifiable information in a
manner different from that stated at the time it was collected, we will notify
users by way of an email. Users
will have a choice as to whether or not we use their information in this
different manner. We will use information in accordance with the privacy policy
under which the information was collected.