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Student Debt Consolidation
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Student Debt Consolidation Disclaimer & Privacy Policy

Disclaimer

Services

Our Website is an on-line network marketplace our service is free to you. We are a referral service, matching consumers with prospective lenders participating in our network of lenders. We will also use third party networks of lenders to help you find a loan that meets your qualifications and requests Any compensation we may receive is paid by a participating lender or third party network of lenders for advertising services we provide to them.

To use our service, we will need to obtain personally identifiable information from you or about you. Such personally identifiable information may include your name, home address, residence information, employment information, e-mail address, telephone number, social security number, financial information, bankruptcy history, credit references, etc. as such you must complete the Apply For Student Loan Consolidation form accurately and completely. Please note that you must be 18 years of age to use our services.  Consumers who submit an application expressly authorize us and third party partners to contact them in connection with each application and/or request regardless of whether or not such consumer is listed on a "Do Not Call" list.

Once you submit the Application Form, we share that form with participating lenders and third party networks of lenders. By submitting your Application form, you agree that you are requesting a referral for a loan from each of the participating lenders with whom we share your Application form. As such, you are expressly requesting the participating lenders, and Student Debt Consolidation with whom your Application Form is provided to contact you by email, telephone and direct mail so that they may assist you in obtaining the loan requested. They may also provide information to you about additional services and products.

The submission of your information is made and reviewed in real-time to determine whether you meet the lender's loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases that track consumer transactions with lending institutions. By submitting the Application Form to us, you agree to allow participating lenders to review, verify, and research the information you’re provided.

If a participating lender accepts you as an applicant, you will be contacted by said lender. You understand and agree that, once you have been directed to the lender, we have no further involvement in your loan application or approval process. Any further interactions or communications with the lender are subject to such lenders privacy policy, terms of use, and other policies and/or terms and conditions of the lender.

Please remember that we are not a lender and do not make loans or credit decisions in connection with our Services. As such, we do not guarantee acceptance by any particular lender or a particular loan program or product. All loan terms and conditions are that that of the lender. We do not guarantee any loan availability, rates, fees, or any other loan terms offered by the participating lender nor do we represent or guarantee that this is the best loan for you or available in the marketplace. We are not responsible for any errors or delays in providing the Services whether caused by errors in the registration information you provided by any technical problems in our system. You may cancel your request for the referral at any time by sending an email to support@studentdebtconsolidationaid.com.

We do not expressly or impliedly endorse or recommend loans of any particular lender. We are not a broker or an agent of you or any participating lender.

Lending Disclaimer

Student Debt Consolidation is not a lender. We are a lender referral service who submits your student loan consolidation inquiries to US lenders and financial institutions. We do not participate in advice for lending, credit information or any other information regarding our users desire to obtain student loan consolidation. Any information submitted on this site is shared only with licensed lenders. We are a referral service to qualified participating lenders. We are not a lender, loan broker or agent for any lender or loan broker. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited. This is not a solicitation for a particular loan. We do not control and are not responsible for the actions of any lender. We do not endorse or charge you for any service or product. You are under no obligation to use our Service to initiate contact with a lender, nor apply for credit or any loan product with any service provider or lender. You are under no obligation to accept any loan from a participating lender.

Do Not Call Registry Disclaimer & Compliance

By submitting personal contact and/or financial information through (studentdebtconsolidationaid.com domain), the user hereby grants written permission to studentdebtconsolidationaid.com, its affiliated sites, and its business partners for contact via telephone, mail, and/or e-mail. Further, by submitting a Apply for Student Loan Consolidation form at studentdebtconsolidationaid.com you are consenting to receive phone calls from studentdebtconsolidationaid.com, its affiliated sites, and its business partners for contact via telephone and thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.

Information Collected

The information we receive about you or from you may be used by us or shared (including evaluating and obtaining financial products or services) by us with our corporate affiliates, agents, vendors and other third parties to help process your request or complete a transaction; to comply with any law, regulation, audit or court order; to help improve our website or the products or services we offer; for research; to better understand our customers' needs; to develop new offerings; and to alert you to new products and services (of us or our business associates) in which you may be interested. We may also combine information you provide us with information about you that is available to us internally or from other sources. The more we know about you, the better we are able to serve you.

We may also aggregate your personal information with others' information and prepare reports on site usage. Those reports are aggregated and include no personally identifying information. Finally, we may use your personal information to send you email or postal communications regarding products or services offered by us or by third parties with whom we have relationships in which we think you may be interested. You may at any time choose not to receive promotional emails from us by contacting us at support@studentdebtconsolidationaid.com. Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to www.studentdebtconsolidationaid.com as well as to facilitate, complete, or confirm any transaction that you may enter into or responding to your inquiry or request.

If you prefer for us not to provide your name and email or postal address to third parties for direct marketing purposes, please contact us at support@studentdebtconsolidationaid.com

We collect nonpublic personal information about you from the following sources:

All information provided by consumers in any of the above-listed ways or otherwise may be used and disclosed as permitted in this Privacy Policy.

Information submitted to us in connection with a financing request is used to transmit the request to third parties who may be in a position to respond to your request. We do not provide financing, but instead transmit those requests to third-party vendors for consideration.

Federal law requires all financial institutions to obtain, verify and record information.

Credit Implications:

We and our participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit.

Liability Limit For Lenders’ Actions

We have no knowledge of or responsibility for the participating lender's use and/or review of the registration information you submitted or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that we shall not be liable for any damages or costs of any type arising out of or in any way connected with the loan you enter into or your use of our Services. You agree that participating lenders may keep your registration and the information therein irrespective of whether you qualified for a loan consolidation with such participating lender.

Our Website is an on-line network marketplace our service is free to you. Any compensation we may receive is paid by a participating lender or third party network of lenders for advertising services we provide to them. We reserve the right to change any feature or functions of our Services and Website without prior notice.
Please note that information we provide you either on the website or by email may not be used as the sole basis for your loan consolidation decision, and may not meet your particular needs. Please seek the advice of an appropriate professional for an assessment of the loan information provided by the lender.

No Guarantee

There is no guarantee that you will be accepted by one of our participating lenders. A lender’s cash transfer times may vary between lenders and may depend on your individual financial institution. Repayment terms vary by lenders and are regulated by state and local laws. In some circumstances, the lender may require a fax. For details, questions or concerns regarding your loan, please contact your lender directly.

Links to Other Websites

Our Site includes links to other Web sites whose privacy practices may differ from those of studentdebtconsolidationaid.com. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Effective January 22, 2013
Student Debt Consolidation
Address: 41951 Remington Ave. Suite 260, Temecula, CA 92590
Phone: 866-227-1856
E-mail: support@studentdebtconsolidationaid.com

Privacy Policy

We greatly respect your right to privacy. We will give your name or personal information to third parties such as  Financial Literacy Services and CU Student Loans but no other party without your consent.

1. E-mail

We want to communicate with you only if you want to hear from us. We will send you emails relating to your personal transactions or containing information that concerns your account. We will keep these emails to a minimum. You may also receive certain email notifications (ex. account status updates), alerts (ex. reminders about essential student loan deadlines), and a newsletter, from which you may opt out of by clicking the un-subscribtion link at the bottom of any email. On the rare occasions when it is necessary to do so, we may send you service-related announcements.

2. Security

We maintain physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access to, maintain confidentiality of, and correctly use your personal information. We use a variety of security measures, including encryption and authentication tools, to keep your personal information secure. Your personal information is stored behind firewalls and access is restricted to a limited number of people who are required to keep the information confidential. However, no Internet or email transmission is ever fully secure or error free.

3. Changes to Our Policy

Student Debt Consolidation reserves the right to update this privacy policy at any time. If we decide to use your information in a manner different from that stated at the time of collection, we will notify you via email. You may choose whether or not we may use such information in this manner. In addition, if we make any material changes in our privacy practices that do not affect your information already stored in our database, we will post a prominent notice on the Website notifying you of the change. In some cases when we post such notice, we may also email you to notify you of the changes to this Policy.

4. The information we collect

A. Personal Information

At the Website, you may be able to request information or register and save your information for later reference. The types of Personal Information that may be collected at these pages of the Website include name and email address, address, loan information, and telephone number. Except as permitted by law or as otherwise disclosed in this Policy, we will share your Personal Information with Financial Literacy Services and CU Student Loans

B. Click-stream Data

We also may collect certain non-personally identifiable information (that is, generic information that does not identify you personally) when you visit the Website or any of our web pages. Such generic information may include the type of loans you are interested in, the amounts of these loans, the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using, (e.g., Windows ‘98 or Mac OS), your IP address, and the domain name of your Internet service provider (e.g., America On-line or Earthlink). As you use the Internet, a trail of electronic information is left at each website you visit. This information (which is sometimes referred to as click- stream data) can be collected and stored by a website’s server. Click-stream data can tell us the type of computer and browsing software you use and the address of the website from which you linked to our Website. We may use click-stream data and other non-personally identifiable information to anonymously determine how much time visitors spend on each page of our Website, how visitors navigate throughout our Website and how we may tailor our web pages to better meet the needs of visitors. We sometimes may use the non-personally identifiable information that we collect to improve the design and content of our Website and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze how our Website is used, as well as to offer you additional products, programs or services. We may share aggregate information with others, including our affiliates (Related Companies) and non-affiliated companies.

C. Cookies

We may use cookies to store your preferences, recognize you as a repeat visitor, and track traffic patterns on our site. We use this information to make your experience with us more user-friendly. We may use cookies to personalize your experience at our web pages, recall your specific information on subsequent visits, or offer you products, programs or services. Companies that may advertise on our Website (and their agents) might use their own cookies. This Policy does not cover how these companies use their cookies. You can opt to have your browser reject cookies.

5. How we use your personal information

We will use the Personal Information you provide to the Website for the purposes you have requested or we have disclosed in this Policy. If you want us to stop using the Personal Information you provided in these ways, please email us at: support@studentdebtconsolidationaid.com

and any notices about problems with your credit card.

6. How we share your personal information

We will not share the Personal Information you provide except (a) where such disclosure has been described on the Website or in this Policy or you have otherwise consented to such disclosure; (b) as a result of our belief that the disclosure may be permitted or required by law or may be necessary to protect our company or others from injury (e.g., in response to a court order or subpoena or law enforcement agency request or when we believe that someone is causing or may cause injury or is interfering with the rights or property of another).

7. Voluntary disclosure

Any information or content that you voluntarily disclose in public areas becomes publicly available and can be collected and used by other users. Any personal information or content that you voluntarily disclose in public areas becomes publicly available and can be collected and used by other users. You should exercise caution before disclosing your personal information via these public areas.

8. Your consent to disclose personal information to a third party

Except as otherwise indicated in this Policy, we will only supply your Personal Information to Financial Literacy and CU Student Loans but no other third party without your consent.

9. Collection of information by others

Our Website may contain links to other websites operated by third parties (collectively, the Third-Party Sites). Such Third-Party Sites may have information practices that are different from those described in this Policy. You should check the other privacy notices made available on such Third-Party Sites.

10. What happens when you refer a friend to us

On this Website, when you provide us with an email address for a referral, we will share your name and email address as well as the recipient’s email address with a third party as necessary in order to provide this referral service. This information will not be used for any other purpose. If you choose to use our referral service to tell a friend about our Website, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the Website. This third party stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. You or your friend may contact us at support@studentdebtconsolidationaid.com, or use the link provided in each email, to request that we remove this information from our database.

11. Supplemental information

From time to time we may supplement the Personal Information you provide through our Website with information from other sources, such as information validating your address. Thus, information we obtain through our Website may be intermingled with and used in conjunction with information obtained through sources other than our Website, including both off line and on-line sources.

12. Discussions and community tools

We may, from time to time, make chat rooms, forums, message boards, news groups and other community tools available to you. Please remember that any information, including any Personal Information that is disclosed in these areas becomes public information for other users to view and for us to use. For example, from time to time, we may use the content you write (including your name or screen name if you post it) for promotional purposes, in email newsletters or elsewhere, and by using our Website or these chat rooms, forums, message boards, news groups, and other community tools, you agree that we may do so. You should exercise caution when deciding to disclose your personal information in these areas, since anyone — not just us - -may use publicly posted information.

13. Correcting or changing your personal information

If your Personal Information changes, or if you no longer desire our service, you may correct or delete it in your account settings or by contacting us at support@studentdebtconsolidationaid.com.

14. Our site is not meant for people under 13 years old

Children under the age of 13 are not permitted to use Student Debt Consolidation on their own, and so this privacy policy makes no provision for their use of the site.

15. Questions

You can email us at support@studentdebtconsolidationaid.com or call us at 866-227-1856  if you have any questions about this policy, security, or privacy.

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