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Student Debt Modifications

HOW TO DEFER OR DISCHARGE STUDENT LOAN DEBT student loan forgiveness program

Privacy Policy

1.1. Welcome to the websites, applications and services provided by Student Debt Modifications and their subdomains (the "Sites").

1.2 This policy is based on our goal to provide our visitors with quality information and resources while maintaining personal privacy. Please forward any comments you may have regarding this policy to info@studentloanforgiveness4dummies.com.

1.3 By visiting the Sites, registering with us or contacting, you signify that you understand and agree to the collection, use and transfer of your information (including your personal data) under the terms of this policy. If you do not accept,

 or do not wish to be bound by this policy, please do not use the Sites.

1.4 "Personal data" is any information that enables us to identify you, directly or indirectly, such as your email address, name, shipping and billing address, telephone number, financial information, user names, any form of identification number or one or more factors specific to your physical, physiological, mental, economic, cultural or social identity.

1.5 For the purposes of the EU General Data Protection Regulation 2016/679 (the "GDPR"), the data controller is Student Debt Modifications.

, a Online Buisness with the place of business located at 1078 E. Ocean Blvd #6 Long Beach, CA 90802.

2. INFORMATION WE COLLECT FROM YOU.

2.1 When you access our Sites, we collect different types of information, described as "access information",

 "contact information" and "third party information", below. Some of the information we collect will be personal 

data relating to you, and we will be subject to certain obligations in respect of such personal data.

3. ACCESS INFORMATION


3.1 We may collect information about your computer, including where available your geographic location, IP address, 

operating system and browser type, device type, bandwidth, etc. for system administration and to report aggregate information 

to our advertisers. We will only share anonymised statistical data about our users' browsing actions and patterns from the Sites which

 cannot be used to identify any individual.

3.1 We may collect information about your computer, including where available your geographic location, IP address, operating system and browser type, device type, bandwidth, etc. for system administration and to report aggregate information 

to our advertisers. We will only share anonymised statistical data about our users' browsing actions and patterns from the Sites which cannot be used to identify any individual.

3.2 We may also keep details of your visits to our Sites including, but not limited to, traffic data, location data, 

weblogs and other communication data, time spent on the Sites, number of pages viewed, referring web pages, the resources

 that you access and the date and time of access, etc. To the extent this information can identify you directly, or indirectly when combined with other information, it will be personal data and will be subject to this privacy policy.

3.3 Our Sites use cookies, web beacons, and other technologies in order to provide you with an improved browsing experience,

 to allow us to improve our Sites and to serve targeted advertising. We may collect advertising information, including but not limited to, 

type of ads seen, number of times ads were served, pages where the ads were served, etc. When you first access the Sites, depending on your

 location, you may receive a message advising you that cookies and similar technologies are in use. By clicking "accept", closing the message, 

or continuing to browse the Sites, you signify that you understand and agree to the use of cookies in accordance with our Cookies Policy.

4. CONTACT INFORMATION


4.1 When you contact us via the Sites or otherwise (for example, by clicking a link to send us an email or if you telephone or write to us),

 you may provide certain personal data about yourself including your name, contact details and address which will be stored by us.

4.2 You may also give us information about you by filling in forms on the Sites. This includes personal data you provide when you register 

to use our Sites, subscribe to our services, participate in discussion boards or other social media functions on our Sites, enter a competition,

 promotion or survey and when you report a problem with our Sites. The personal data you give us may include your name, address, e-mail address and phone number, financial and credit card information, personal description and photograph.

4.3 You can also create an account on our Sites and subscribe to our services using your social media profile.

 If you select this option, we will automatically collect selected personal data about you from your social media account. 

The personal data we collect depends on your social media privacy settings for sharing such personal data, and may include name, profile picture, age range, gender, language, country and other public information.

5.1 We may also receive information about you if you use any of the other websites we operate or the other services we provide. 

We also work closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery

services, search information providers, credit reference agencies, advertising networks, advertising exchanges, data management platforms,

 content recommendation platforms and analytics providers) and may receive information about you from them. Depending on its nature, this 

third-party information will either be "access information" or "contact information", as described above. We will take reasonable steps to notify you where your personal data is received from third parties as required.

6. THE WAY WE USE PERSONAL DATA


6.1 We use your personal data according to the terms of the privacy policy in effect at the time of our use.

 We will process your personal data where:


6.1.1 you have provided your consent which can be withdrawn at any time;

6.1.2 where the processing is necessary for the performance of a contract to which you are a party or to perform services you have requested;


6.1.3 where we are required by law;

6.1.4 where processing is required to protect your vital interests or those of another person; or


6.1.5 where the processing is necessary for the purposes of our legitimate commercial interests, except where

 such interests are overridden by your rights and interests.

6.2 Your "access information" is used to route the requested web page to your computer or mobile device for viewing. 


6.3 Your "contact information" enables us to provide services to you, or information tailored more specifically to your needs,

 or to forward your message or enquiry to another entity that is better able to do so. As such, it may enable us or our selected 

partners to contact you, for example, to respond to a query you have submitted to us. We will also use and analyse the information

 we collect so that we can administer, support, improve and develop our business, customer service and the features of our Sites and our 

services generally. We will not share your personal data for marketing purposes without your consent.

6.4 The "third party information" we receive will be combined with access information and/or contact information. 

We will use this personal data and the combined personal data for the purposes set out above 

(depending on the types of personal data we receive).


6.5 We will use the personal data you provide to us to contact you by email, telephone, post and/or fax to notify you occasionally about important changes or developments to the Sites.

 Where you have provided the appropriate form of consent, we may also use your personal data to let you know by email, telephone, post and/or fax about other goods and services 

which we, or our selected partners, offer which may be of interest to you.

6.6 We will ask you to give your consent to the use of your personal data for marketing purposes, and to provide you with 

information about our goods and services, or those of third parties, which we believe, may be of interest to you. 

If you change your mind about being contacted by selected third parties or us, please click "unsubscribe" from any emails received.


6.7 With your opt-in consent, we may also permit selected third parties to use your personal data, to provide you 

with information about goods and services which may be of interest to you. We or they may contact you about these by email.

 In the event that you are given (or where you have chosen) a password which enables you to access certain parts of the Sites, you are responsible for keeping this password confidential. You must not share a password with anyone.

7. DISCLOSURE OF YOUR PERSONAL DATA


7.1 Where necessary, we will share your personal data for the purposes described in this privacy policy with:


7.1.1 members of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries;


7.1.2 business partners, suppliers and sub-contractors who require access to personal data to assist in the performance

 of any contract we enter into with them or you;


7.1.3 trusted third-party companies and individuals to perform functions in certain situations on our behalf. 

These functions include cloud storage providers, email services, providing marketing assistance and data analysis,

 handling transactions, fulfilling orders and providing customer service and credit referencing. These agents have access to the personal data required in order to perform their functions but may not use it for any other purpose; and 

7.1.4 analytics and search engine providers that assist us in the improvement and optimisation of our Site.


7.2 For personal data from the European Union or the European Economic Area (the "EEA"):


7.2.1 We will only transfer your personal data to trusted third-parties who provide sufficient security guarantees and who demonstrate a commitment to compliance with applicable law and this privacy policy.


7.2.2 We will not transfer personal data originating from the EEA to third parties located outside of the EU without

 ensuring adequate protection under European law.

7.2.3 Where transfer is to a third party is located in a country not recognised by the EU Commission

 as ensuring an adequate level of protection, we will take appropriate steps, such as enforcing standard contractual

 clauses recognised by the EU Commission, to safeguard your personal data and to ensure legally enforceable remedies are available.


7.3 We may also disclose your personal data to third parties:


7.3.1 where we are required to do so by law;

7.2.3 Where transfer is to a third party is located in a country not recognised by the EU Commission

 as ensuring an adequate level of protection, we will take appropriate steps, such as enforcing standard contractual

 clauses recognised by the EU Commission, to safeguard your personal data and to ensure legally enforceable remedies are available.


7.3 We may also disclose your personal data to third parties:


7.3.1 where we are required to do so by law;

7.2.3 Where transfer is to a third party is located in a country not recognised by the EU Commission

 as ensuring an adequate level of protection, we will take appropriate steps, such as enforcing standard contractual

 clauses recognised by the EU Commission, to safeguard your personal data and to ensure legally enforceable remedies are available.


7.3 We may also disclose your personal data to third parties:


7.3.1 where we are required to do so by law;

8.2 For any "contact information" that is requested on a Site, failure to provide the requested information 

will mean that the particular feature or service associated with that part of the Site may not be available to you.


9. HOW LONG WE STORE YOUR PERSONAL DATA


9.1 We will only retain your personal data, in a form which permits us to identify you, for as long as necessary to 

fulfil the purposes we collected it for. We will retain and use your personal data as necessary to satisfy any legal,


10. OUR COMMITMENT TO DATA SECURITY


10.2 Our Sites may, from time to time, contain links to and from the websites of our partner networks, advertisers 

and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy

 policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

11. YOUR EUROPEAN PRIVACY RIGHTS


11.1 For individuals within the EEA only. Under the GDPR, in certain circumstances, you have the right to (a)

 request access to any personal data we hold about you and related information, (b) obtain without undue delay the

 rectification of any inaccurate personal data, (c) request that your personal data is deleted provided the personal data is not 

required by us for compliance with a legal obligation under European or Member State law or for the establishment, exercise or defence 

of a legal claim, (d) prevent or restrict processing of your personal data, except to the extent processing is required for the

 establishment, exercise or defence of legal claims; and (e) request transfer of your personal data directly to a third party wherethis is technically feasible.

11.2 In addition, where you believe that we have not complied with its obligation under this privacy policy or European law,

 you have the right to make a complaint to an EU Data Protection Authority, such as the UK Information Commissioner's Office.


11.3 If you would like to exercise any of these rights, please click here.


12. EMAIL POLICY


12. 1 Insider Inc. offers email newsletters. If you no longer wish to receive emails, follow the "unsubscribe" instructions

 located near the bottom of each newsletter.


12.2 We will not share, sell, rent, swap or authorize any third party to use your email address for commercial 

purposes without your permission.


12.3 We use Sailthru services to provide you with email content that is relevant and personalized to your reading interests.

 You can read Sailthru's privacy policy here.


13. CHILDREN UNDER 16


13. 1 The Sites are not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Sites. Insider Inc. does not knowingly target advertising to, or collect information from, children under the age of 16. If you are under 16, do not use or provide any information on the Sites or on or through any of its features, register on the Sites, use any of the interactive or public comment features on the Sites, or provide any information about yourself to us, including your name, telephone number, email address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at privacy@insider-inc.com


14. GENERAL


14.1 We may edit this policy from time to time. Please check this policy regularly for any changes.

14.2 Should you have other questions or concerns about our privacy policies and practices, please contact us at info@studentloanforgiveness4dummies.com.

com.



1. COOKIES POLICY


1.1 This page tells you about the use of Cookies and similar technologies by Student Debt Modifications  (on behalf of itself and its

 subsidiaries, "us" or "we"), on our websites and other online or mobile applications that link to this Cookies Policy (each a "Site" or

 collectively "Sites"). Should you have any queries about this policy, please contact us at info@studentloanforgiveness4dummie.com.



1.2 We use these technologies to administer the Sites, analyse trends, to track users' movements around the Sites and to 

serve targeted advertisements. This page explains what these technologies are and sets out your rights to control our use of them.

1.3 When you first access the Sites, you may receive a message advising you that cookies and similar technologies

 are in use. By clicking "accept", closing the message, or continuing to browse the Sites, you signify that you understand and

 agree to the use of these technologies, as described in this Cookies Policy.


1.4 You do not have to accept cookies and consent can be withdrawn at any time (see How to Control Cookies, below).

 You can change your browser settings to refuse or restrict cookies, and you may delete them after they have been placed 

on your device at any time. If you do not accept or delete our cookies, some areas of our Sites that you access may take more 

time to work, or may not function properly.

2. WHAT ARE COOKIES?


2.1 Cookies are small files containing a string of characters which we store on your computer or mobile device when you visit the Sites. 

When you visit the Sites again, the cookies allow us to recognise your browser. Cookies may store your preferences and other 

information but cannot read data off your hard disk or read cookie files created by other sites.


2.2 Cookies set by a website owner are called "first party cookies". Cookies set by parties other than the website owner are called

 "third party cookies". Third party cookies enable third party features or functionality to be provided on or through the Sites (i.e. adver

tising, social media functions and analytics). Third parties that place cookies on the Site control the personal data they collect about

 you and are likely to be considered "data controllers" under European law. You are encouraged to read their privacy policies to understand

 their data processing activities, policies and procedures.

3. THE COOKIES WE USE


3.1 We use cookies for a variety of reasons. Cookies make it easier for you to log on to and use the Sites during visits. 

The aggregate information collected permits us to analyze traffic patterns and target the interests of our users. 

This helps us provide you with a better experience by improving the content and making our Sites easier to use.


3.2 We use the following categories of cookies:


3.2.1 Strictly Necessary Cookies. These are cookies that are required for the operation of our Site. They include, 

for example, cookies that enable you to log into secure areas of our websites, use a shopping cart or make use of e-billing services.


3.2.2 Performance and Functionality Cookies. These are used to recognize you when you return to our Site.

 This enables us to personalize our content for you and remember your preferences (for example, your choice of language or region),

but are non-essential to the performance of the Site.


3.2.3 Analytical or Customization Cookies. These cookies collect information about how users access and move through the Site.

 We use this information in either aggregate form to help us to improve the way our Site works, or to personalize our Site to your interests.


3.2.1 Strictly Necessary Cookies. These are cookies that are required for the operation of our Site. They include, 

for example, cookies that enable you to log into secure areas of our websites, use a shopping cart or make use of e-billing services.


3.2.2 Performance and Functionality Cookies. These are used to recognize you when you return to our Site.

 This enables us to personalize our content for you and remember your preferences (for example, your choice of language or region),

but are non-essential to the performance of the Site.


3.2.3 Analytical or Customization Cookies. These cookies collect information about how users access and move through the Site.

 We use this information in either aggregate form to help us to improve the way our Site works, or to personalize our Site

 to your interests.


3.2.4 Advertising Cookies. These cookies are used to make the advertising displayed on the Site more relevant to you.

 These cookies prevent ads reappearing and ensure that ads are properly displayed. Certain third party cookies may track users 

over different websites are will provide ads relevant to your interests.


3.2.5 Social Media Cookies. These cookies allow us to integrate social media functions into our Site and may also be used for 

advertising purposes.


4. How to Control Cookies


4.1 When you first access the Sites, you may receive a message advising you that cookies and similar technologies are in use.

 By clicking "accept", closing the message, or continuing to browse the Sites, you signify that you understand and agree to the use 

of these technologies, as described in this Cookies Policy.


4.2 You do not have to accept cookies and consent can be withdrawn at any time, although you may not be able to use certain 

features on the Sites. You can do this by activating the setting on your browser that allows you to refuse the setting of all or

 some cookies.


4.3 Please follow the links below to helpful information for the most popular browsers:


4.3.1 Microsoft Internet Explorer:

https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies


4.3.2 Google Chrome:

https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DDesktop&hl=en


4.3.3 Mozilla Firefox:

https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences


4.3.4 Apple Safari:

https://support.apple.com/kb/PH21411?locale=en_US


4.4 In addition, you can exercise advertising cookie choices by visiting:


4.4.1 http://www.aboutads.info/choices/,


4.4.2 http://www.networkadvertising.org/choices/; or


4.4.3 http://youronlinechoices.com/


5. Web Beacons


5.1 As well as cookies, we use other technologies to recognise and track visitors to our Sites. A web beacon 

(also known as a "tracking pixel" or "clear GIF") is a clear graphic image (typically a one-pixel tag) 

that is delivered through a web browser or HTML e-mail, typically in conjunction with a cookie.


5.2 Web beacons allows us, for example, to monitor how users move from one page within our Sites to another, 

to track access to our communications, to understand whether users have come to our Sites from an online advertisement

 displayed on a third-party website, to measure how ads have been viewed and to improve site performance.


6. Targeted Advertising


6.1 Please note that third parties (including, for example, advertising networks and providers of external services like web

 traffic analysis services) use cookies, over which we have no control. These cookies are likely to be analytical/performance 

cookies or targeting cookies. These companies may use information about your visits to this and other websites in order to provide

 relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure

 the effectiveness of advertisements.


6.2 Below are links to the privacy policies of our key third party partners and links to advertising opt outs to help you to further

 manage your online privacy.


6.2.1 Google's DoubleClick and Ad Exchange technology powers the ad serving on Sites. For more information about Google 

and DoubleClick's privacy policy, visit http://www.google.com/policies/technologies/ads.


6.2.2 We use a Data Management Platform (DMP) from Krux. To learn more about Krux's 

privacy policy, visit http://www.krux.com/krux_privacy. To opt-out from our DMP, 

visit http://www.krux.com/krux_privacy/consumer_choice.



6.2.3 The Rubicon Project help deliver ads on Sites and related mobile apps. For more information about Rubicon's

 privacy policy, visit http://www.rubiconproject.com/privacy. If you want to opt-out of receiving targeted ads from Rubicon,

visit this link.


6.2.4 We use the AppNexus digital advertising technology platform. To learn more about the platform privacy,

 visit https://www.appnexus.com/en/company/platform-privacy-policy. To opt out, visit this link.


6.2.5 We use the Index Exchange Online Advertising Exchange. To learn more about Index Exchange's privacy policy,

 visit http://www.indexexchange.com/privacy. To opt out, visit this link.


6.2.6 Our Sites may feature Nielsen's proprietary measurement software. To learn more about this information and

 to opt-out of Nielsen's digital measurement research, visit http://priv-policy.imrworldwide.com/priv/browser/us/en/optout.html.


7. GENERAL


7.1 Further information about how we use your information is available in our Privacy Policy: http://www.studentdebtmodifications.com

/privacy-policy.


7.2 We may edit this policy from time to time. Please check this policy regularly for any changes.


7.3 Should you have other questions or concerns about our cookies policy and practices, please contact us at info2studentloanforgiveness4dummies.com.













































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