UTB
Education Finance, LLC Website Privacy Statement
This Statement was last updated on April 10, 2007
1. Introduction
Urban Ed ExpressTM, a
division of UTB Education Finance, LLC is committed to protecting your
privacy. This Privacy Statement sets forth
our current privacy practices with regard to the information we collect when
you interact with us in person, telephonically or electronically.
2. Information We Collect
UTB Education Finance, LLC collects certain information
from and about its customers and website users in three ways, as further
described below — directly from you, webserver logs and cookies from our
website.
a. User provided information
- Information you provide to us,
including the following types of information:
- information we receive from you on
applications or other forms;
- information about your transactions with
us, our affiliates or others;
- information
you provide voluntarily, either by phone or in person, to our employees
assisting with a financial issue; and
- information you provide voluntarily online in response to a survey or
information request.
You may also be asked to disclose
personal information to us so that we can provide assistance and information to
you. For example, such data may be
necessary to provide online technical support and troubleshooting.
b. Web Server Logs.
When you visit our website, we may track information to
administer the site and analyze its usage.
Examples of information we may track include the following types of
information:
Your Internet protocol address; the kind of browser or computer you use; the number of links you click within our
website; state or country from which you accessed
the website; the date and time of your visit; the name of your Internet service provider; web page from which you linked to our
website; and pages you viewed on our website.
c. Use of Cookies
We may use
“cookies” to personalize or enhance your user experience. A “cookie” is a small text file that is
placed on your hard disk by a Web page server.
Cookies cannot be used to run programs or deliver viruses to your
computer. Cookies are uniquely assigned
to you, and can only be read by a web server in the domain that issued the
cookie to you.
One of the primary purposes of
cookies is to provide a convenience feature to save you time. For example, if you personalize a web page,
or navigate within a site, a cookie helps the site to recall your specific
information on subsequent visits. Hence,
this simplifies the process of delivering relevant content and eases site
navigation by providing and saving your preferences and login information as
well as providing personalized functionality.
We reserve the right to
share aggregated website statistics with certain third-party companies, but we
do not allow other companies to place cookies on our website unless there is a
temporary, overriding customer value (such as merging into www.urbanedexpress.com,
a website that relies on third-party cookies).
You have the ability to accept or
decline cookies. Most Web browsers
automatically accept cookies, but you can usually modify your browser's
settings to decline cookies. If you
reject cookies by changing your browser settings then be aware that this may
disable functionality of certain websites including ours.
3. Disclosure of nonpublic personal
information to third parties
We do not disclose any nonpublic
personal information about you to anyone, except as permitted by law. Without permission, we do not disclose to
third parties information that we collect if it identifies you personally. However, we are permitted under law to
disclose nonpublic personal information about you to other third parties in
certain circumstances. For example, we
may disclose nonpublic personal information about you to third parties to
assist us in servicing your loan or account with us, to government entities in
response to subpoenas as well as to credit bureaus. If you decide to close your account(s) or
become an inactive customer, we will continue to adhere to the privacy policies
and practices described in this statement.
4. Disclosure of nonpublic personal
information to affiliates
We may disclosure nonpublic personal
information about you to our affiliates that provide services on our
behalf. We also may provide information
to affiliates that may offer products and services that we think you may be
interested in. If you do not want us to
share information to our affiliates for purposes of marketing products and
services you may opt-out of
such information sharing, by contacting us at: www.urbanedexpress.com, via telephone
at 301-961-5617 or sending your request to:
UTB Education Finance, LLC
Attention: Privacy Statement Personal
3 Bethesda
Metro Center, Suite
1000
Bethesda,
Maryland
20814
5. Confidentiality and security
We restrict access to nonpublic
personal information about you to only those employees who need to know that
information to provide products or services to you. Third parties with whom we are permitted to
share nonpublic personal information must maintain privacy standards no less
stringent than ours. We also maintain
physical, electronic, and procedural safeguards that comply with federal
standards to guard your nonpublic personal information and require third
parties with authorized access to adopt the similar safeguards.
6. Merchant
Policies
Related services and offerings with
links from this website, including vendor sites, have their own privacy
statements that can be viewed by clicking on the corresponding links within
each respective website. However, as we
do not have direct control over the policies or practices of participating
merchants and other third parties, we are not responsible for the privacy
practices or contents of those sites. We
recommend and encourage that you always review the privacy policies of
merchants and other third parties before you provide any personal information
or complete any transaction with such parties.
7. Use
of Web Beacons or GIF files
Our web pages may contain
electronic images known as Web beacons — sometimes also called single-pixel
gifs — that allow UTB Education Finance, LLC to count users who have visited those
pages and to deliver co-branded services.
Our Website may include Web beacons in promotional e-mail messages or
newsletters in order to determine whether messages have been opened and acted
upon.
Some of these Web beacons may be
placed by third party service providers to help determine the effectiveness of
our advertising campaigns or email communications. These Web beacons may be used by these
service providers to place a persistent cookie on your computer. This allows the service provider to recognize
your computer each time you visit certain pages or emails and compile anonymous
information in relation to those page views, which in turn enables us and our
service providers to learn which advertisements and emails bring you to our
website and how you use the site. We prohibit
Web beacons from being used to collect or access your personal information.
8. Accessing
Web Account Information
We will provide you with the means
to ensure that personally identifiable information in your Web account file is
correct and current. You may review this
information by contacting us through the contact mechanism available at: www.urbanedexpress.com.
9. Changes
to this Statement
UTB Education Finance LLC has the
discretion to occasionally update this privacy statement. When we do, we will also revise the “updated”
date at the top of this privacy statement.
We encourage you to periodically review this privacy statement to stay
informed about how we are helping to protect the personal information we
collect. Your continued use of the
service constitutes your agreement to this privacy statement and any updates.
10. Contacting
Us
If you have questions regarding our
Privacy Notice, its implementation, failure to adhere to this Privacy Statement
and/or our general practices, please contact us via www.urbanedexpress.com or send your
comments to:
UTB Education Finance LLC
Attention: Privacy Statement
Personal
3 Bethesda Metro Center, Suite 1000
Bethesda, MD 20814
