(1) Terms and Conditions

This SAGE Scholars, Inc. (“SAGE Scholars”) Tuition Rewards Member Agreement contains details about the relationship between you and SAGE Scholars relating to the Tuition Rewards program (the “Program”). You must accept the terms of this Sponsor Agreement in order to participate in the Program. By enrolling as a Tuition Rewards sponsor, you agree to these terms and conditions, as may be amended from time to time. These terms and conditions, as well as other information on the Program, including the listing of SAGE member schools and the maximum tuition discount honored by each member school, can be obtained online at www.tuitionrewards.com. If you do not agree to all of the terms of this Agreement, then do not complete the enrollment process.

(2) Eligibility for the Tuition Rewards

Multiple account holders (“Sponsors”) from the family (e.g., parents, grandparents, guardians, foster parents and other family members, etc.) may earn Tuition Rewards points to benefit one or more designated children. Usage of Tuition Rewards points is limited to full-time, traditional, undergraduate tuition at Participating Colleges beginning with the freshman year. Students are eligible to be enrolled and designated as a student beneficiary (“student”) of a Sponsor from birth until, primarily, August 31st of the year that 12th grade starts. Students must be U.S. residents to participate in Tuition Rewards.

To be eligible, the student must be a member of the Sponsor’s immediate or extended family. This includes children, grandchildren, nieces, nephews, and great/grand nieces and nephews. Sponsorship of one or more students by an individual, group or organization, rather than by a member of the immediate or extended family, is not permitted.

(3) Calculation of Rewards

For investment products, Tuition Rewards points are typically calculated by multiplying designated account balances by 5% annually (or 2.5% semi-annually or 1.25% quarterly, unless otherwise specified). 1 point shall have the value of $1.00. For example, an annual account balance of $20,000 over six years would earn 1,000 Tuition Rewards Points per year, for a total Tuition Reward of 6,000 points (assuming no change in the net asset value ($20,000) of the eligible investment). Tuition Reward points are calculated independently and are not part of the total returns on eligible investment balances. For healthcare and life insurance products, Tuition Rewards points may be assigned a fixed annual value. Or, students may receive annual Tuition Rewards points on their birthdays. In all programs, new points are added to the Sponsor (or student) account balances. The maximum Tuition Reward per student varies by Participating Colleges but is typically one full year of tuition (divided evenly over four years of attendance) - or as contractually agreed between SAGE and the Participating College. The colleges may include Tuition Rewards as part of their normal financial aid and scholarship packages and may require completion of an application for financial aid consistent with standard requirements for applications for financial aid. There is no limit on the number of Tuition Reward points that a Sponsor (parent, grandparent, aunt/uncle) can earn.

(3.1) Tracking of Rewards - Pennsylvania 529 College Savings Program Participants

Tuition Rewards are accumulated on a quarterly basis, with new points added directly to a student-specific account. No Tuition Rewards points will be earned after either (a) the quarter ending June 30th between the student’s junior and senior years in high school, or (b) after the student’s 17th birthday, whichever comes first.

(3.2) Tracking of Rewards - Asset Based Sources

Tuition Rewards points are typically accumulated on a quarterly, semi-annual or annual basis; new points earned are added to the previous balance. The Tuition Rewards points are accumulated in the Sponsor’s account; it is up to the Sponsor to determine how to allocate his or her points among enrolled student beneficiaries. No points can be allocated to a student beneficiary after August 31st of the year that 12th grade begins.

(3.3) Tracking of Rewards - Non-Asset Based Sources

Tuition Rewards points generated by a Sponsor’s participation in a non-asset based program are typically accumulated on an annual basis. The calculation methods and amounts (if fixed amounts) vary between Clients of SAGE. Please consult the documentation or literature specific to your program for specific information.

(4) Redemption of Rewards Points

The Sponsor, or Student, must, within ten (10) days of application, submit a Tuition Rewards statement to each Participating College to which a student beneficiary applies. Failure to submit the Tuition Rewards Statement within ten (10) days of the student’s application may invalidate eligibility to use Tuition Rewards points. The Tuition Rewards Statement must be submitted electronically by the means provided on www.tuitionrewards.com. No other method will be accepted. The Sponsor or Student may submit multiple Tuition Rewards statements with each application, as long as the student is applying to the school. The submission of multiple Tuition Rewards statements shall not affect the maximum amount of Tuition Rewards points per student (as set forth in Item (3) above).

(5) Use of Rewards Points

The Tuition Rewards will be remitted solely as a guaranteed minimum reduction from the Participating College’s (“College”) full tuition bill and will not be awarded in cash. Assets used to establish Tuition Rewards points need not be used to finance beneficiaries’ college costs.

Sponsors, or students, must electronically submit a student’s Tuition Rewards to a participating College within ten (10) days of the student’s application to that College.

The Tuition Rewards redeemed represent a minimum amount of scholarship or grant aid that a College will provide if the student is admitted and attends that College. If the student receives a larger scholarship or grant based on his or her application, merit award, FAFSA, or other criteria, the College, at the Colleges’ sole discretion, reserves the right to include the Tuition Rewards as part of its institutional award. Colleges may disburse Tuition Rewards as part of, or separate from, any financial aid award or package. Each College controls the method of how it applies Tuition Rewards and SAGE Scholars Inc. is not responsible for any disputes between a College and a Tuition Rewards Sponsor or Student regarding the application of Tuition Rewards in a Student’s financial aid package.

Participating Colleges and Universities have the right to impose academic performance guidelines, student conduct guidelines, and other rules and regulations of general applicability to all students, on students participating in Tuition Rewards in regard to the continuation of an original financial aid award, of which Tuition Rewards may be a part.

Unless otherwise specifically stated by a College, Tuition Rewards are divided equally over the first four years of a Student’s traditional undergraduate education. Colleges offering a co-op program may divided the Tuition Rewards equally over five years. If the Student completes undergrade education in other than four years, it is at the College’s sole discretion to determine how a Student’s Tuition Rewards will be applied.

Unless specifically listed as an alternate campus on the tuitionrewards.com website, Colleges are only obligated to honor submitted Tuition Rewards points for students enrolled at the College’s main campus.

All Colleges in the Program, including colleges newly added in the future and those that may discontinue participation, have agreed to honor Tuition Rewards points of all students enrolled in the program as long as the students were in the program at some point concurrent with the college's participation. If a school discontinues participation, it agrees to honor points earned either directly by a student, or transferred by one or more sponsors into a student's account, until the discontinuation date.

Nothing in the contractual relationship between SAGE and any Participating Colleges shall be deemed to make any Sponsor or Student beneficiary a third-party beneficiary of the contract with the Participating Colleges.

(6) Reporting of Tuition Rewards to Sponsors and to Participating Colleges

Sponsors will have access to their Tuition Rewards via a secure web-based internet site provided by SAGE Scholars. SAGE Scholars will also provide Participating Colleges with access to student data, including the accumulated Tuition Rewards points, for all students in 9th grade and older in the Program.

(7) Participating College Information, Admission and Transfers

Students need not select a Participating College prior to the time of college application. Students must apply to and be accepted through a Participating College's normal admissions and financial aid procedures to qualify to use Tuition Rewards at that college. Eligibility for a tuition discount through Tuition Rewards neither helps nor hurts in the admissions process. If a student transfers from a participating or non-participating college to a Participating College, the college accepting the student has the right to decide whether it will honor the remaining Tuition Rewards points.

Participating Colleges and Universities have the right to impose academic performance guidelines, student conduct guidelines, and other rules and regulations of general applicability to all students, on students participating in Tuition Rewards in regard to the continuation of an original financial aid award, of which Tuition Rewards may be a part.

(8) Transfer of Rewards Points Between Sponsors and Students & Expiration of Student Points

Student-specific Tuition Rewards points are those awarded directly for the benefit of a specific Student Beneficiary in accordance with the terms of the underlying contract between SAGE and a Partner. Student-specific Tuition Rewards points include student enrollment bonus points and “birthday points” (awarded on a student’s birthday). Student-specific points are only for use of the specific Student Beneficiary on whose behalf they were awarded and they cannot, under any circumstances, be transferred or allocated to another Student Beneficiary or be placed back in the account the Sponsor.

Other than student-specific Tuition Rewards points, subject to the restrictions set forth herein, Sponsors may allocate and transfer Tuition Rewards points to and from eligible Student Beneficiaries as the Sponsor wishes, until August 31 of the year in which a particular Student Beneficiary enters his or her senior year in high school. After August 31 of that year, the Student Beneficiary’s account is frozen. No additional Tuition Rewards points can be added to the account, whether newly-earned or transferred from a Sponsor.

If a Student Beneficiary submits his or her Tuition Rewards points to a Participating College, those points shall be considered used. However, should the student not attend a Participating College, the Sponsor shall be able to reclaim all of the student’s points that are not “student-specific”, so long as notification to SAGE of attendance at a Non-Participating College occurs within three years of the date of the student’s high school graduation. The Sponsor can then transfer such points to another eligible Student Beneficiary in the family. (Proof of matriculation at a non-Participating College may be required.)

All Tuition Rewards points in a student’s account, whether student-specific or allocated to the Student Beneficiary by a Sponsor, can expire if not been used within three years following the date the Student Beneficiary graduates from high school. This expiration date will be extended by the length of time a Student is on full-time active military duty. It shall be the Sponsor’s responsibility to reclaim non-student-specific points within three years following a Student Beneficiary’s high school graduation, enabling transfer or allocation to another eligible Student Beneficiary. Upon expiration, however, all points not reclaimed lapse and have no residual value.

(9) Enrollment and Referral Bonus Points

As an incentive for completing registration and activating a new account, SAGE awards enrollment bonus points to new Sponsors and to new Students. Sponsors and students may receive enrollment bonus points only one time and from one source, even if participating in the Program through multiple SAGE Clients. In the event that a Sponsor has multiple sources of Tuition Rewards (participating through more than one SAGE Client), and those Clients have different registration bonus amounts, only the highest value registration bonus will be credited to the Sponsor's account.

Referral Bonus Points are available to allow Sponsors to encourage eligible friends, family and coworkers to sign up for Tuition Rewards. Both the Sponsor giving the referral code, and the Sponsor signing up with the referral code will receive 500 Tuition Rewards Bonus Points. To be eligible to receive these bonus points, both individuals must be eligible to participate in the Program by having an account with, membership in, benefiting from, or having a relationship with one of our affiliate organizations.

Sponsors are strictly prohibited from deliberately creating multiple accounts solely to earn additional Tuition Rewards Enrollment Bonus Points, or Referral Bonus Points. If SAGE Scholars Inc. determines that a Sponsor has violated this prohibition, it reserves the right to cancel that Sponsor's, and any associated Student Beneficiary's participation in the Program, and void any Tuition Rewards Points accrued through such violations.

The maximum amount of enrollment bonus points that any one student may use towards tuition reduction at a Participating College is 1,000 points.

(10) Membership of a New Participating College

In the event that a student whom you sponsor in the Program is already attending or has already applied to a college or university that, at the student’s time of application, is not a member of the Program, but which later joins the Tuition Rewards consortium, that school is under no obligation to alter existing financial aid awards to reduce tuition by the amount of any Tuition Rewards points associated with matriculated or applied students.

(11) Access to Information and Privacy

Participating Colleges will be granted access to the following student information, provided by you to SAGE Scholars, when a student begins his or her freshman year in high school: Name, mailing address, phone number, date of birth, high school graduation date, email address (if provided by Sponsor), any optional information provided by the Sponsor (GPA, SAT, ACT, etc.) and the total number of Tuition Rewards points in the student’s account.

As specified in the SAGE privacy policy, Participating Colleges will NOT be permitted access to any Sponsor information, including the name of the asset owner, the asset balances or the type of asset that is the source of Tuition Rewards points.

SAGE Clients may request certain reports from SAGE on their own account holders/members who have registered for Tuition Rewards. SAGE has agreed to provide Sponsor account holder information, including the sum of Tuition Rewards posted by the Client for the client’s account holders/members. . With the exception of the Tuition Rewards QuickStart Program (see below), however, Sponsor information is not shared with other SAGE Clients.

The Tuition Rewards QuickStart Program may make Sponsor registration information (name, address, phone and email address, as well as any optional information provided) to Participating Colleges. Sponsor (not student) information may also be shared with current SAGE Clients.

Please refer to our Privacy Policy for additional information.

(12) Emails We Send

You may opt out of certain email announcements, including updates on new Participating Colleges and Clients. However, to remain enrolled in the Program, you may not opt out from receiving emails that pertain to your account balance and important reminders, such as deadlines to submit Tuition Rewards to member schools.

It is the sole responsibility of the Sponsor to verify that he or she can receive emails from SAGE Scholars — and to maintain an accurate and working email address in our system. Furthermore, SAGE Scholars, Inc. is not responsible for any junk email, SPAM filtering or other email filtering you or your email provider may have in place. For help with email filtering, including information on how to add sagescholars.com and tuitionrewards.com as an approved email sender to your account, please consult your email documentation or contact your email provider.

(13) Responsibilities of Sponsors and of Participating Colleges

Participating Colleges are exclusively responsible for providing all Tuition Rewards. Participating Colleges may individually impose reasonable rules and regulations, neither substantially inconsistent with this application, nor with the individual college’s normal conditions imposed upon their institutional financial aid award, governing the use of Tuition Rewards. Participating Colleges have the right to impose reasonable academic performance guidelines, student conduct, or other restrictions on participating students in regards to the continuation of the original financial aid award, of which SAGE Tuition Rewards may be a part of.

Sponsors who choose to earn Tuition Rewards points based on eligible accounts opened at participating financial institutions (“Investment Accounts”), invest solely at their own risk and must determine for themselves the suitability of those financial vehicles. SAGE Scholars does not give advice or offer any opinion or recommendation on the suitability of any security or investment strategy. Neither the Participating Colleges nor SAGE Scholars, Inc. are security underwriters or brokers and bear no responsibility whatsoever for the performance of investments designated in accordance with the Program except as otherwise set forth in this Agreement.

By enrolling in the Program, sponsors are authorizing and directing one or more of our SAGE financial partners to provide SAGE Scholars with information regarding the amount of SAGE Scholars Tuition Rewards points to which they are entitled.

Each sponsor enrolling in the Program, both on his/her own behalf and on behalf of each designated student as a third-party beneficiary, hereby acknowledges and agrees that SAGE Scholars, its financial partners, and any of its affiliates, subcontractors, and any officers, directors, employees, or agents of these entities (collectively “partners”) have no responsibility or liability whatsoever for any Tuition Reward provided pursuant to the Program, and further agrees to hold harmless SAGE Scholars and its financial partners (“partners”), in the event of the failure of any member school(s) to provide a Tuition Reward.

By enrolling in the Program, Sponsors are authorizing and directing one or more of our SAGE Clients to provide SAGE Scholars with information regarding the amount of Tuition Rewards points to which they are entitled.

Each Sponsor enrolling in the Program, both on his/her own behalf and on behalf of each designated student, hereby acknowledges and agrees that SAGE Scholars, its Clients, and any of its affiliates, subcontractors, and any officers, directors, employees, or agents of these entities (collectively “Clients”) have no responsibility or liability whatsoever for any Tuition Rewards provided pursuant to the Program, and further agrees to hold harmless SAGE Scholars and its Clients, in the event of the failure of any member school(s) to provide a Tuition Reward.

By enrolling in the Program, you agree to be legally bound by the terms and conditions of the Program. Furthermore, you certify that the information you provided to SAGE is true and correct to the best of your knowledge.

Tuition Rewards may be cancelled for those Sponsors affiliated with SAGE Clients who do not provide updated account balances and/or other information as required.

A student may only receive one “set” of annual birthday rewards, even if the student has sponsor(s) affiliated with more than one organization that provides annual birthday rewards.

(14) Responsibilities of Sponsors and of Participating Colleges in SAGE Prime

Sponsors opting into the optional SAGE Prime program hereby agree to these additional terms and conditions. The terms and conditions for SAGE Prime are in addition to, and do not replace, the standard program terms and conditions.

Sponsors who have signed up for the SAGE Scholars Tuition Rewards program may be eligible to opt into the SAGE Prime program. You must be registered as a sponsor in the SAGE Scholars Tuition Rewards program to participate in SAGE Prime.

Each member college or university participating in the SAGE Prime program may choose its own discount percentage, but the percentage is not to be less than 10%.

Participating Colleges are exclusively responsible for providing all discounts. Participating Colleges may individually impose reasonable rules and regulations, neither substantially inconsistent with this application, nor with the individual college’s normal conditions imposed upon their institutional financial aid award, governing the use of SAGE Prime. Participating Colleges have the right to impose reasonable academic performance guidelines, student conduct, or other restrictions on participating individuals in regard to the continuation of the discount, of which SAGE Prime may be a part of. However, nothing in the contractual relationship between SAGE and any Participating Colleges shall be deemed to make any Sponsor or student beneficiary a third-party beneficiary of the contract with the Participating Colleges.

Sponsors acknowledge that they must be opted into the SAGE Prime program for at least forty-five (45) days before registering for a discount eligible class or program to claim the discount.

Sponsors acknowledge that when opting out of the SAGE Prime program, sponsor information that has been previously downloaded by, or accessed by, Participating Colleges may be stored and continued to be used by Participating Colleges. Sponsor acknowledges that SAGE Scholars’ responsibility to a Sponsor when Sponsor opts out of SAGE Prime is to not make Sponsor’s information available to Participating Colleges from that time forward. Furthermore, we cannot “recall” your information from participating colleges who have accessed, downloaded or saved it. You may need to opt out directly from marketing communications sent directly by participating colleges. Sponsors acknowledge that when opting out of SAGE Prime, the 90 day wait to claim a SAGE Prime discount may be reset.

A sponsor wishing to claim a SAGE Prime discount must notify the college electronically by the means provided on www.tuitionrewards.com no earlier than ten (10) days prior to, and no later than 24 hours after, application or registration. No other method will be accepted. Additional information such as course name, course number and starting date may be required. Notifications made outside of the window may invalidate eligibility to use SAGE Prime.

Sponsors acknowledge that to receive the discount they must abide by the notification deadlines set forth by each participating college.

Each sponsor enrolling in the Program hereby acknowledges and agrees that SAGE Scholars, its financial partners, and any of its affiliates, subcontractors, and any officers, directors, employees, or agents of these entities (collectively “partners”) have no responsibility or liability whatsoever for any discount provided pursuant to the Program, and further agrees to hold harmless SAGE Scholars and its financial partners (“partners”), in the event of the failure of any member school(s) to provide a discount.

By enrolling in the Program, you agree to be legally bound by the terms and conditions of the Program. Furthermore, you certify that the information you provided to SAGE is true and correct to the best of your knowledge.

(15) SAGE Scholars, Inc. Disclaimer

SAGE Scholars makes available the information and services contained herein in furtherance of SAGE's goal to inform and educate Sponsors and Students. While SAGE makes every effort to present accurate and reliable information on its website, SAGE cannot guarantee the accuracy, the completeness, efficacy, or timeliness of such information.

SAGE Scholars does not endorse, approve, certify, or control the external sites to which it links and does not guarantee the accuracy, completeness, efficacy or timeliness of information located at such sites.

SAGE Scholars assumes no responsibility for consequences resulting from use of the information contained herein, or from use of the information obtained at linked sites, or in any respect for the content of such information. SAGE Scholars is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, reliance on, or performance of such information.

As a Sponsor, you acknowledge and agree that neither SAGE Scholars nor its Participating Colleges have any responsibility or liability for your investments that are earning Tuition Rewards points, and you agree to hold harmless SAGE and its Participating Colleges for liabilities or losses, if any.

SAGE Scholars does not offer accounting, tax, legal, investment or other financial advice; nothing contained services rendered by SAGE is intended to constitute professional advice for any financial decisions. Advice received via SAGE Scholars should not be relied upon for legal, tax, accounting, investment or other financial decisions. You should always seek the advice of a lawyer, accountant, financial planner or other qualified professional before making any financial decisions.

All disputes concerning the Tuition Rewards Program and these Sponsor Participation Terms and Conditions or a breach thereof or regarding the enforcement, interpretation of validity thereof, shall be resolved exclusively by binding compulsory arbitration pursuant to the commercial arbitration procedures of the American Arbitration Association in Philadelphia, Pennsylvania. Matters concerning discovery, procedure and the like shall be resolved by the arbitrator(s) selected. The arbitration decision shall be final and legally binding. Judgement may be entered thereon in any court of competent jurisdiction.

To the maximum extent permitted by law, SAGE is not liable for special, indirect, incidental, or consequential damages under any theory of liability, whether sounding in contract, tort, negligence, product liability or otherwise arising from the Tuition Rewards Program.

Last Updated: January 1, 2022

In this Privacy Policy, terms such as “we”, “us”, “our” or similar expressions shall mean SAGE Scholars, Inc., operating the http://www.readysetcollege.org website (the “Service”).

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

We keep our privacy practices under review and may change this Privacy Policy from time to time by posting changes on the Services or otherwise notifying them to you.

Definitions

Account

Account means a unique account created for You to access our Service or parts of our Service.

Business

For the purpose of the CCPA (California Consumer Privacy Act), refers to the Company as the legal entity that collects Consumers’ personal information and determines the purposes and means of the processing of Consumers’ personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers’ personal information, that does business in the State of California.

Company

(referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to SAGE Scholars, Inc., 1650 Arch Street Suite 2502. For the purpose of the GDPR, the Company is the Data Controller.

Consumer

For the purpose of the CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.

Cookies

Cookies are small files that are placed on Your computer, mobile device, or any other device by a website, containing the details of Your browsing history on that website among its many uses.

Country

Country refers to: Pennsylvania, United States

Data Controller

For the purposes of the GDPR (General Data Protection Regulation), refers to the Company as the legal person which alone or jointly with others determines the purposes and means of the processing of Personal Data.

Device

Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

Do Not Track (DNT)

Do Not Track (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.

Facebook Fan Page

Facebook Fan Page is a public profile named SAGE Scholars, Inc. specifically created by the Company on the Facebook social network, accessible from https://www.facebook.com/SAGEScholarsInc/

Personal Data

Personal Data is any information that relates to an identified or identifiable individual.
For the purposes for GDPR, Personal Data means any information relating to You such as a name, an identification number, location data, online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, or social identity.
For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.

Sale

For the purpose of the CCPA (California Consumer Privacy Act), means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer’s personal information to another business or a third party for monetary or other valuable consideration.

Service

Service refers to the Website.

Service Provider

Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used. For the purpose of the GDPR, Service Providers are considered Data Processors.

Sponsor

Sponsor means the adult (typically parent, grandparent, aunt or uncle) who registers for the Service.

Student

Student means the child family members of Sponsors who are added to the Service as beneficiaries by Sponsors or Sponsor's designated partner organization.

Third-party Social Media Service

Refers to any website or any social network website through which a User can log in or create an account to use the Service.

Usage Data

Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Website

Website refers to Ready Set College, accessible from http://www.readysetcollege.org

You

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Under GDPR (General Data Protection Regulation), You can be referred to as the Data Subject or as the User as you are the individual using the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone Number
• Address, State, Province, ZIP/Postal code, City
• Social Security Number
• Date of Birth
• Usage Data

Usage Data
Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

• Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
• Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies: What Are Cookies?.

We use both Session and Persistent Cookies for the purposes set out below:

Necessary / Essential Cookies

Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

Cookies Policy / Notice Acceptance Cookies

Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

Functionality Cookies

Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

Tracking and Performance Cookies

Type: Persistent Cookies
Administered by: Third-Parties
Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

• To provide and maintain our Service, including to monitor the usage of our Service.
• To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
• For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
• To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
• To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
• To manage Your requests:To attend and manage Your requests to Us.
• For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a growing concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
• For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

• With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
• For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
• With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
• With business partners: We may share Your information with Our business partners to offer You certain products, services, or promotions.
• With other users: when You share personal information or otherwise interact in the public areas, including Facebook, Twitter, Instagram, LinkedIn or other social websites we may use, with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.
• With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country, or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Detailed Information on the Processing of Your Personal Data

The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.

Analytics

We may use third-party Service providers to monitor and analyze the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Email Marketing

We may use Your Personal Data to contact You with newsletters, marketing or promotional materials and other information that may be of interest to You. You may opt-out of receiving any, or all, of these communications from Us by following the unsubscribe link or instructions provided in any email We send or by contacting Us.

We may use Email Marketing Service Providers to manage and send emails to You. Their Privacy Policy can be viewed at:

Twilio/Sendgrid

https://www.twilio.com/legal/privacy

PostMark

https://wildbit.com/privacy-policy

GDPR Privacy

Legal Basis for Processing Personal Data under GDPR

We may process Personal Data under the following conditions:

• Consent: You have given Your consent for processing Personal Data for one or more specific purposes.
• Performance of a contract: Provision of Personal Data is necessary for the performance of an agreement with You and/or for any pre-contractual obligations thereof.
• Legal obligation: Processing Personal Data is necessary for compliance with a legal obligation to which the Company is subject.
• Vital interests: Processing Personal Data is necessary in order to protect Your vital interests or of another natural person.
• Public interests: Processing Personal Data is related to a task that is carried out in the public interest or in the exercise of official authority vested in the Company.
• Legitimate interests: Processing Personal Data is necessary for the purposes of the legitimate interests pursued by the Company.

In any case, the Company will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract.

Your Rights under the GDPR

The Company undertakes to respect the confidentiality of Your Personal Data and to guarantee You can exercise Your rights.

You have the right under this Privacy Policy, and by law if You are within the EU, to:

• Request access to Your Personal Data. The right to access, update or delete the information We have on You. Whenever made possible, you can access, update or request deletion of Your Personal Data directly within Your account settings section. If you are unable to perform these actions yourself, please contact Us to assist You. This also enables You to receive a copy of the Personal Data We hold about You.
• Request correction of the Personal Data that We hold about You. You have the right to to have any incomplete or inaccurate information We hold about You corrected.
• Object to processing of Your Personal Data. This right exists where We are relying on a legitimate interest as the legal basis for Our processing and there is something about Your particular situation, which makes You want to object to our processing of Your Personal Data on this ground. You also have the right to object where We are processing Your Personal Data for direct marketing purposes.
• Request erasure of Your Personal Data. You have the right to ask Us to delete or remove Personal Data when there is no good reason for Us to continue processing it.
• Request the transfer of Your Personal Data. We will provide to You, or to a third-party You have chosen, Your Personal Data in a structured, commonly used, machine-readable format. Please note that this right only applies to automated information which You initially provided consent for Us to use or where We used the information to perform a contract with You.
• Withdraw Your consent. You have the right to withdraw Your consent on using your Personal Data. If You withdraw Your consent, We may not be able to provide You with access to certain specific functionalities of the Service.

Exercising of Your GDPR Data Protection Rights

You may exercise Your rights of access, rectification, cancellation, and opposition by contacting Us. Please note that we may ask You to verify Your identity before responding to such requests. If You make a request, We will try our best to respond to You as soon as possible.

You have the right to complain to a Data Protection Authority about Our collection and use of Your Personal Data. For more information, if You are in the European Economic Area (EEA), please contact Your local data protection authority in the EEA.

Facebook Fan Page

Data Controller for the Facebook Fan Page

The Company is the Data Controller of Your Personal Data collected while using the Service. As operator of the Facebook Fan Page https://www.facebook.com/SAGEScholarsInc/, the Company and the operator of the social network Facebook are Joint Controllers.

The Company has entered into agreements with Facebook that define the terms for use of the Facebook Fan Page, among other things. These terms are mostly based on the Facebook Terms of Service: https://www.facebook.com/terms.php

Visit the Facebook Privacy Policy https://www.facebook.com/policy.php for more information about how Facebook manages Personal data or contact Facebook online, or by mail: Facebook, Inc. ATTN, Privacy Operations, 1601 Willow Road, Menlo Park, CA 94025, United States.

Facebook Insights

We use the Facebook Insights function in connection with the operation of the Facebook Fan Page and on the basis of the GDPR, in order to obtain anonymized statistical data about Our users.

For this purpose, Facebook places a Cookie on the device of the user visiting Our Facebook Fan Page. Each Cookie contains a unique identifier code and remains active for a period of two years, except when it is deleted before the end of this period.

Facebook receives, records, and processes the information stored in the Cookie, especially when the user visits the Facebook services, services that are provided by other members of the Facebook Fan Page and services by other companies that use Facebook services.

For more information on the privacy practices of Facebook, please visit Facebook Privacy Policy here: https://www.facebook.com/full_data_use_policy

CCPA Privacy

This privacy notice section for California residents supplements the information contained in Our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California.

Categories of Personal Information Collected

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or Device. The following is a list of categories of personal information which we may collect or may have been collected from California residents within the last twelve (12) months.

Please note that the categories and examples provided in the list below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact collected by Us, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been collected. For example, certain categories of personal information would only be collected if You provided such personal information directly to Us.

Category A: Identifiers

Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver's license number, passport number, or other similar identifiers.
Collected: Yes.

Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
Collected: Yes.

Category C: Protected classification characteristics under California or federal law.

Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Collected: Yes.

Category D: Commercial information.

Examples: Records and history of products or services purchased or considered.
Collected: No.

Category E: Biometric information.

Examples: Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
Collected: No.

Category F: Internet or other similar network activity.

Examples: Interaction with our Service or advertisement.
Collected: Yes.

Category G: Geolocation data.

Approximate physical location.
Collected: No.

Category H: Sensory data.

Audio, electronic, visual, thermal, olfactory, or similar information.
Collected: No.

Category I: Professional or employment-related information.

Current or past job history or performance evaluations.
Collected: Yes.

Category J: Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).

Examples: Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
Collected: No.

Category K: Inferences drawn from other personal information.

Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
Collected: No.

Under CCPA, personal information does not include:

• Publicly available information from government records
• Deidentified or aggregated consumer information
• Information excluded from the CCPA's scope, such as:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data
  • Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994

Sources of Personal Information

We obtain the categories of personal information listed above from the following categories of sources:

• Directionly from you. For example, from the forms You complete on our Service, preferences You express or provide through our Service.
• Indirectly from you. For example, from observing Your activity on our Service.
• Automatically from you. For example, through cookies We or our Service Providers set on Your Device as You navigate through our Service.
• From Service Providers. For example, third-party vendors to monitor and analyze the use of our Service, or other third-party vendors that We use to provide the Service to You.

Use of Personal Information for Business Purposes or Commercial Purposes

We may use or disclose personal information We collect for “business purposes” or “commercial purposes” (as defined under the CCPA), which may include the following examples:

• To operate our Service and provide You with our Service.
• To provide You with support and to respond to Your inquiries, including to investigate and address Your concerns and monitor and improve our Service.
• To fulfill or meet the reason You provided the information. For example, if You share Your contact information to ask a question about our Service, We will use that personal information to respond to Your inquiry.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to You when collecting Your personal information or as otherwise set forth in the CCPA.
• For internal administrative and auditing purposes.
• To detect security incidents and protect against malicious, deceptive, fraudulent or illegal activity, including, when necessary, to prosecute those responsible for such activities.

Please note that the examples provided above are illustrative and not intended to be exhaustive. For more details on how we use this information, please refer to the “Use of Your Personal Data” section.

If We decide to collect additional categories of personal information or use the personal information We collected for materially different, unrelated, or incompatible purposes We will update this Privacy Policy.

Disclosure of Personal Information for Business Purposes or Commercial Purposes

We may use or disclose and may have used or disclosed in the last twelve (12) months the following categories of personal information for business or commercial purposes:

• Category A: Identifiers
• Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
• Category C: Optionally provided information on Students including age, race, religion or creed, and sex (including gender, gender identity, gender expression)
• Category F: Internet or other similar network activity

Please note that the categories listed above are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact disclosed, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been disclosed.

When We disclose personal information for a business purpose or a commercial purpose, We enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

Sale of Personal Information

As defined in the CCPA, “sell” and “sale” mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer's personal information by the business to a third party for valuable consideration. This means that We may have received some kind of benefit in return for sharing personal information, but not necessarily a monetary benefit.

Please note that the categories listed below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact sold, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been shared for value in return.

We may sell and may have sold in the last twelve (12) months the following categories of personal information:

• Category A: Identifiers
• Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
• Category C: Optionally provided information on Students including age, race, religion or creed, and sex (including gender, gender identity, gender expression)
• Category F: Internet or other similar network activity

Share of Personal Information

We may share Your personal information identified in the above categories with the following categories of third parties:

• Service Providers
• Our affiliates
• Our business partners
• Third party vendors to whom You or Your agents authorize Us to disclose Your personal information in connection with products or services We provide to You

Release of Personal Information

We do not release the personal information of Consumers We actually know are less than 14 years of age, unless We receive affirmative authorization (the “right to opt-in”) from either the Consumer who is between 13 and 14 years of age, or the parent or guardian of a Consumer less than 13 years of age. By registering for the Program, Consumers are opting in to the release of personal information. Consumers may opt-out of future releases at any time by requesting the deletion of their account(s). To exercise the right to opt-out, You (or Your authorized representative) may submit a request to Us by contacting Us.

If You have reason to believe that a child under the age of 13 has provided Us with personal information, please contact Us with sufficient detail to enable Us to delete that information.

Member colleges have access to student information beginning at the start of 9th grade in high school. Student information made available to member colleges may include, but is not limited to:

• Email address
• First name and last name
• Phone number (including mobile)
• Address, State, Province, ZIP/Postal code, City
• Date of birth and year of expected high school graduation
• Any optional information that has been entered for the student by the account holder, or the student, such as academic interests, grades, standardized test results, outside clubs and activities, ethnic or religious information
• Cookies and Usage Data

Unless you specifically opt-in, Sponsor information is not shared with member colleges. Should you choose to opt-in, information from your account profile that is made available to member colleges may include, but is not limited to:

• Email address
• First name and last name
• Phone number (including mobile)
• Address, State, Province, ZIP/Postal code, City
• Date of birth
• Any optional information that has been entered by you in your profile that is intended specifically to be shared with member colleges and universities
• Cookies and Usage Data

Your Rights under the CCPA

The CCPA provides California residents with specific rights regarding their personal information. If You are a resident of California, You have the following rights:

• The right to notice.You have the right to be notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used.
• The right to request.Under CCPA, You have the right to request that We disclose information to You about Our collection, use, sale, disclosure for business purposes and share of personal information. Once We receive and confirm Your request, We will disclose to You:
  • The categories of personal information We collected about You
  • The categories of sources for the personal information We collected about You
  • Our business or commercial purpose for collecting or selling that personal information
  • The categories of third parties with whom We share that personal information
  • The specific pieces of personal information We collected about You
  • If we sold Your personal information or disclosed Your personal information for a business purpose, We will disclose to You:
    • The categories of personal information categories sold
    • The categories of personal information categories disclosed
• The right to say no to the sale of Personal Data (opt-out). You have the right to direct Us to not sell Your personal information. To submit an opt-out request please contact Us.
• The right to delete Personal Data. You have the right to request the deletion of Your Personal Data, subject to certain exceptions. Once We receive and confirm Your request, We will delete Your personal information from our records, unless an exception applies. We may deny Your deletion request if retaining the information is necessary for Us or Our Service Providers to:
  • Complete the transaction for which We collected the personal information, provide a good or service that You requested, take actions reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if You previously provided informed consent.
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on Your relationship with Us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which You provided it.
• The right not to be discriminated against
  • Denying goods or services to You
  • Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties
  • Providing a different level or quality of goods or services to You
  • Suggesting that You will receive a different price or rate for goods or services or a different level or quality of goods or services

Exercising Your CCPA Data Protection Rights

In order to exercise any of Your rights under the CCPA, and if You are a California resident, You can contact Us:

Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information.

Your request to Us must:

• Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative
• Describe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it

We cannot respond to Your request or provide You with the required information if we cannot:

• Verify Your identity or authority to make the request
• And confirm that the personal information relates to You

We will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary.

Any disclosures We provide will only cover the 12-month period preceding the verifiable request's receipt.

For data portability requests, We will select a format to provide Your personal information that is readily useable and should allow You to transmit the information from one entity to another entity without hindrance.

Do Not Release My Personal Information

As part of the Tuition Rewards program, we do not release your (the Sponsor) information to member colleges. We may provide your information to the affiliate(s) you have registered for The Program through as part of our normal reporting process. You have the right to opt-out of the release of Your personal information. Once We receive and confirm a verifiable consumer request from You, we will delete your account, along with the accounts of student beneficiaries that are sponsored only by you. All earned Tuition Rewards will be forfeited upon account deletion. To exercise Your right to opt-out, please contact Us.

The Service Providers we partner with (for example, our analytics or advertising partners) may use technology on the Service that sells personal information as defined by the CCPA law. If you wish to opt out of the use of Your personal information for interest-based advertising purposes and these potential sales as defined under CCPA law, you may do so by following the instructions below.

Please note that any opt out is specific to the browser You use. You may need to opt out on every browser that You use.

Website
You can opt out of receiving ads that are personalized as served by our Service Providers by following our instructions presented on the Service:

• The NAI's opt-out platform: http://www.networkadvertising.org/choices/
• The EDAA's opt-out platform http://www.youronlinechoices.com/
• The DAA's opt-out platform: http://optout.aboutads.info/?c=2&lang=EN

The opt out will place a cookie on Your computer that is unique to the browser You use to opt out. If you change browsers or delete the cookies saved by your browser, You will need to opt out again.

Mobile Devices
Your mobile device may give You the ability to opt out of the use of information about the apps You use in order to serve You ads that are targeted to Your interests:

• “Opt out of Interest-Based Ads” or “Opt out of Ads Personalization” on Android devices
• “Limit Ad Tracking” on iOS devices

You can also stop the collection of location information from Your mobile device by changing the preferences on Your mobile device.

“Do Not Track” Policy as Required by California Online Privacy Protection Act (CalOPPA)

Our Service does not respond to Do Not Track signals.

However, some third-party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of Your web browser.

Children’s Privacy

The Service may contain content appropriate for children under the age of 13. As a parent, you should know that through the Service children under the age of 13 may participate in activities that involve the collection or use of personal information. We use reasonable efforts to ensure that before we collect any personal information from a child, the child’s parent receives notice of and consents to our personal information practices.

We also may limit how We collect, use, and store some of the information of Users between 13 and 18 years old. In some cases, this means We will be unable to provide certain functionality of the Service to these Users. If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

We may ask a User to verify its date of birth before collecting any personal information from them. If the User is under the age of 13, the Service will be either blocked or redirected to a parental consent process.

Information Collected from Children Under the Age of 13

The Company may collect and store information provided to us by affiliated third-parties, about Children without parental consent given directly to Us. Please refer to the affiliated organization's Privacy Policy for details on information shared with Us.

We may collect and store other personal information about children if this information is submitted by a child with prior parent consent or by the parent or guardian of the child.

The Company may collect and store the following types of personal information about a child when submitted by a child with prior parental consent or by the parent or guardian of the child:

• First name and last name
• Address, State, Province, ZIP/Postal code, City
• Date of birth
• Gender
• Grade level
• Email address
• Phone number (including mobile)
• Parent's or guardian's name
• Parent's or guardian's email address
• Social Security Number
• Information about high school academics, standardized testing, financial aid information, and college preferences

For further details on the information We might collect, You can refer to the “Types of Data Collected” section of this Privacy Policy. We follow our standard Privacy Policy for the disclosure of personal information collected from and about children.

Parental Access

A parent who has already given the Company permission to collect and use his child personal information can, at any time:

• Review, correct or delete the child’s personal information
• Discontinue further collection or use of the child’s personal information

To make such a request, You can write to Us using the contact information provided in this Privacy Policy.

Your California Privacy Rights (California’s Shine the Light law)

Under California Civil Code Section 1798 (California’s Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their Personal Data with third parties for the third parties’ direct marketing purposes.

If you’d like to request more information under the California Shine the Light law, and if You are a California resident, You can contact Us using the contact information provided below.

California Privacy Rights for Minor Users (California Business and Professions Code Section 22581)

California Business and Professions Code section 22581 allow California residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted.

To request removal of such data, and if You are a California resident, You can contact Us using the contact information provided below, and include the email address associated with Your account.

Be aware that Your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third-party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us: