Information You Provide to Us

You may provide information directly to us:

• When you create an account or access and use our Services.

• When you voluntarily provide information in free-form text boxes through the Services.

• When you send us an email or otherwise contact us.

This information can include:

• Contact and account information, like your name, usernames, passwords, address, telephone number, and email address.

• Authentication and security information, like your government identification, Social Security number, security codes, and signature.

• Demographic information, like your age, gender, veteran status, and date of birth.

• Payment information, like your credit card, debit card, and bank account number.

• Preference information, including preferences related to marketing, advertising, communications, and participation in  Payitoff  programs.

• Sensitive Personal Data.

• Other information you choose to provide, like when you contact us.

‍Personal Data We Collect Automatically

• Information Collected by Our Servers.  To make our Site and Services more useful to you, our servers (which may be hosted by a third party service provider) collect information from you, including your browser type, operating system, Internet Protocol (“IP”) address (a number that is automatically assigned to your computer when you use the Internet, which may vary from session to session), domain name, and/or a date/time stamp for your visit.

• Log Files.  As is true of most websites, we gather certain information automatically and store it in log files.  This information includes IP addresses, browser type, Internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and clickstream data.  We use this information to analyze trends, administer the Site, track users’ movements around the Site, gather demographic information about our user base as a whole, and better tailor our Services to our users’ needs.  For example, some of the information may be collected so that when you visit the Site or the Services again, it will recognize you and the information could then be used to serve advertisements and other information appropriate to your interests.  Except as noted in this Privacy Policy, we do not link this automatically-collected data to Personal Data.

• Cookies.  Like many online services, we use cookies to collect information. “Cookies” are small pieces of information that a website sends to your computer’s hard drive while you are viewing the website.  We may use both “session Cookies” (which expire once you close your web browser) and “persistent Cookies” (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our Site. This type of information is collected to make the Site more useful to you and to tailor the experience with us to meet your special interests and needs.

• Web Beacons. Parts of our Services or our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an e-mail and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity). We (or service providers on our behalf) may then send communications and marketing to these emails. You may opt out of receiving this advertising by visiting https://app.retention.com/optout

• Clickstream Data. Clickstream data is information collected by our computers when you request web pages from the Site. Clickstream data may include information such as the page served, the time spent viewing the page, source of the request, type of browser making the request, the preceding page viewed and similar information. Clickstream data permits us to analyze how visitors arrive at the Site, what type of content is popular, what type of visitors in the aggregate are interested in particular kinds of content on the Site.

• Google Analytics.  We use Google Analytics to help analyze how users use the Site.  Google Analytics uses Cookies to collect information such as how often users visit the Site, what pages they visit, and what other sites they used prior to coming to the Site. We use the information we get from Google Analytics only to improve our Site and Services. Google Analytics collects only the IP address assigned to you on the date you visit the Site, rather than your name or other personally identifying information.  We do not combine the information generated through the use of Google Analytics with your Personal Data. Although Google Analytics plants a persistent Cookie on your web browser to identify you as a unique user the next time you visit the Site, the Cookie cannot be used by anyone but Google.  Google’s ability to use and share information collected by Google Analytics about your visits to the Site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can learn more about how Google uses data collected via Google Analytics by visiting this website.

‍Personal Data We Collect From Other Sources

We may collect personal data about you from other sources.

• We may collect information (such as credit scores, bank account information, and account balances) from financial institutions and credit reporting agencies, and in those instances, we’ll disclose the nature of our collection and obtain your consent when required. 

• We may collect information from public records. 

• We may use third parties, including  analytics providers to analyze how you interact and engage with the Services, or third parties may help us provide you with customer support.

• We may use vendors to obtain information to generate leads and create user profiles. If you sign into the Services through a third-party site or service, some content and/or information in those accounts may be transmitted into your account with us.

• We may obtain personal data from our Business Partners, or from student loan servicers and government agencies.  Such information may include personal information and student loan information which you authorize us to import or receive from third parties. 

• We may use the services of our Business Partners to collect additional Personal Data, or supplement and/or enrich Personal Data you have previously provided to us.

How We Use Your Data

We use your Personal Data for a lot of reasons, such as:

• To create, manage, and administer accounts, and to complete transactions, payments, billing, and requests related to our Services and third-party products and services;

• To provide, develop, customize, and personalize products and services, respond to your inquiries, conduct surveys, and perform our contractual obligations;

• To authorize access to our Site and Services;

• To conduct research and create reports from analysis of usage patterns and trends and to deidentify or aggregate Personal Data to create business and market analysis and reports;

• To detect and help protect against security incidents and illegal, fraudulent, or unauthorized activities;

• To investigate suspicious traffic, cybersecurity threats or vulnerabilities, complaints, and claims;

• To authenticate your credentials for account access and information and provide other security protections;

• To process of payments, including fraud detection and prevention, optimizing valid transactions, communications regarding such payments, and related technical and customer service;

• To protect you and others from fraudulent, malicious, deceptive, abusive, or unlawful activities;

• To debug and repair errors and help maintain and improve the quality and safety of our Services;

• To verify the identity of our users in order to comply with fraud monitoring, prevention and detection obligations, laws associated with the identification and reporting of illegal and illicit activity, such as AML (Anti-Money Laundering) and KYC (Know-Your-Customer) obligations, and financial reporting obligations. For example, we may be required to record and verify a user’s identity for the purpose of compliance with legislation intended to prevent money laundering and financial crimes. These obligations are imposed on us by the operation of law, industry standards, and by our financial partners, and may require us to report our compliance to third parties, and to submit to third party verification audits;

• To cooperate with law enforcement and protect the rights, interests, safety, or property of Payitoff and others;

• To comply with, defend, pursue, and enforce applicable legal and regulatory obligations and respond to governmental requests; and

• To enforce our policies, terms and conditions, or other agreements.