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Last Modified: October 29, 2013
Edvisors Network, Inc. (“Edvisors,” “ENI,” “we,” “us,” “our”), a Massachusetts corporation, operates several websites, including but not limited to the following:
The Services display some content which is not Edvisors’. This content is the sole responsibility of the individual or entity that makes the content available.
The Services may permit the submission of certain user-generated text, information, data, video, chats, audio, photographs, files, messages or other content to or through the Services (“User Submissions”) and the hosting, sharing, transmission and/or publishing (“posting”) of such User Submissions. User Submissions may be used, distributed and published by Edvisors and viewed by both general users and Members of the Services. You understand that Edvisors does not guarantee any confidentiality with respect to any User Submissions.
User agrees to indemnify Edvisors for any content User post which user does not have the requisite permission as affirmed in (i) - (iii) in the foregoing paragraph.
You are solely responsible at your sole cost and expense for creating backup copies and replacing any User Submission you post or store through the Services or provide to Edvisors.
All User Submissions posted on Edvisors’ Websites or through Edvisors’ Services will be the exclusive property of Edvisors.
Edvisors responds to notices of alleged copyright infringement and terminates accounts of repeat infringers according to the process set out in the U.S. Digital Millennium Copyright Act (“DMCA”) (see 17 U.S.C. 512(c)(3) for further information).
A. If you are a copyright owner or an agent thereof and believe that any User Submission or other Edvisors content infringes upon your copyright, you may submit a written notification pursuant to the DMCA by providing our Copyright Agent (listed below) with the following information: (i) an electronic or physical signature of a person authorized to act on behalf of the owner of an exclusive right that I allegedly infringed; (ii) a description of the copyrighted work claimed to have been infringed or if multiple copyrighted works are covered by the notification, a representative list of such works on or in the Services: (iii) a description of the location on the Services of the allegedly infringed material(s); (iv) your address, telephone number, and email address; (v) a written statement that you have a good faith belief that use of the material(s) in the matter complained of is not authorized by the copyright owner, its agent, or the law; and (vi) a written statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.
Edvisors’ designated Copyright Agent for notice of claims of infringement is:
Russ Theriault, College Loan Corporation 10000 W. Charleston Blvd., Suite 200 Las Vegas, NV 89135
Email: email@example.com Telephone: (702) 777-8405
Only notices of alleged copyright infringement should go to the Copyright Agent; any other feedback, comments, requests for technical support, and other communications should be directed to Edvisors’ customer service at firstname.lastname@example.org. You acknowledge that if you fail to comply with all of the notice requirements of the DMCA, your notice may not be valid.
B. In accordance with the DMCA and other applicable law, Edvisors shall, in appropriate circumstances, terminate access, at Edvisors’ sole discretion, of any general user or Member that Edvisors finds to be a repeat infringer of other copyrights. Edvisors may also, in its sole discretion, limit or fully terminate access to the Website or Service(s) of any user infringing the intellectual property rights of others, regardless of whether such user is a repeat offender or not.
This Website is not directed or otherwise promoted for use by children under the age of thirteen (13). Edvisors does not knowingly collect, maintain or use personal information from our websites about children under age 13. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents or seek parental consent, and will delete such information from our records. If we change our practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of 13. We are not, however, responsible for the collection and use of information by companies or individuals unaffiliated with us whose websites may contain links to ours. Because we do not collect any personally identifiable information from children under the age of 13, we also do not knowingly distribute such information to third-parties. We do not knowingly allow children under the age of 13 to publicly post or otherwise distribute personally identifiable contact information via our site.
You agree that title, ownership rights, and other intellectual property and proprietary rights in the Services shall remain in Edvisors and/or its licensors and suppliers. You acknowledge that the content of this Website and the Services - including but not limited to text, sound, photographs, graphics, software or other material contained in either Edvisors, Sponsor, Client, Affiliate or Reward Partner electronic mail communications, services or software - is copyrighted by Edvisors and/or its licensors and suppliers under United States and international copyright laws, is subject to other intellectual property and proprietary rights and laws, and is owned by Edvisors or its licensors and suppliers. Such content may not be copied, modified, reproduced, republished, posted, transmitted, sold, offered for sale, or redistributed in any way without the prior written permission of Edvisors and its applicable licensors or suppliers, with the sole exception that one copy of any necessary software that may be provided by Edvisors, its Clients, Affiliates, Sponsors or Reward Partners may be downloaded onto a single computer for your personal, noncommercial use. You must abide by all copyright notices, information, or restrictions contained in or attached to any such content. You may use Edvisors’, Sponsor’s, Client’s, Affiliates or Reward Partners’ content, service or software only as expressly authorized by Edvisors, the Sponsor, the Client , the Affiliate or the Reward Partner.
You acknowledge and agree that the Services and any necessary software provided by Edvisors or its Sponsors, Clients, Affiliate, Reward Partners or other third-party partners and used in connection with the Services (“Software”) contain proprietary and confidential information that is protected by applicable intellectual property and other laws. Edvisors grants you a personal, nontransferable and nonexclusive right and license to use the object code of any such Software on a single computer and solely in connection with your use of this Website and the Services; provided that you do not (and do not allow any third-party to) otherwise copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, rent, lease, loan, sublicense, grant a security interest in, or otherwise transfer any right in any such Software. You agree not to modify any such Software in any manner or form, or to use modified versions of any such Software, including (without limitation) for the purpose of obtaining unauthorized access to the Services. You agree not to access the Services by any means other than through the interface that is provided by Edvisors for such use.
Some Edvisors’ websites require registration in order to fully use the website. You will be required to register if you wish to obtain access to Edvisors Websites that provide Registered Services and become a registered member (“Member”), subject to the following eligibility requirements: (i) Members must be thirteen years or older at the time of registration; (ii) membership is limited to individuals only, corporations or other business entities may not become Members; (iii) Registered Services are limited to one account per individual, even if the individual has multiple email addresses; (iv) employees of Edvisors and members of their household are not eligible to participate; and (v) automated services, scripts, or other machines are not eligible. Some Registered Services have additional eligibility requirements, which will be contained within the specific terms and conditions of Member Agreements associated with participation in those Registered Services.
To access and use Services, you need computer equipment and telecommunications access necessary to connect to and access the World Wide Web. You must provide, at your own expense, all equipment, all services (including, where applicable, telephone service) and all related third-party service fees such as ISP charges) necessary to access the Services and any future enhancements or additional services. In consideration of use of Registered Services, you agree to provide to Edvisors and its third-party partners true, accurate, current, and complete information as prompted by the Registered Service Website’s online registration form (the “Registration Data”) and agree to maintain and promptly update the Registration Data as necessary in order to keep it true, accurate, current, and complete. If you provide any information that is untrue, inaccurate, not current, or incomplete, Edvisors may suspend or terminate your account and/or access to the Website immediately and may refuse you all current or future use of the Registered Service. Some Services include Promotions and Contests. If you are the winner of any such Promotion or Contest you understand you may be required to allow Edvisors to use your name, likeness, testimonials, contest submissions and biographical information for future promotional material along with reporting required by law.
Members of Registered Services have certain Rights & Responsibilities with respect to Password and Account Access: (i) Member must select a password as part of the registration process (unless the Member logs in using a third-party social media functionality such as Facebook Connect); (ii) in order to prevent unauthorized activity, to access the Registered Service on the Internet, Member must give the Registered Service their e-mail address and selected password in order to update Member profile information, update personal information (name, e-mail address, etc.) and participate in Promotions and Contests: (iii) for security purposes, Member is advised to memorize, and not to write down, his/her password; (iv) Member is responsible for keeping his/her e-mail address and password confidential, and is solely responsible for all activities that occur under Member’s e-mail address and password, including all unauthorized activities: (v) Member agrees to (a) immediately notify Edvisors of any unauthorized use of Member’s e-mail address and password or any other breach of security related to this Website or the Service, and (b) ensure that Member logs out from Member’s account at the end of each session; and (vi) Member agrees to abide by all applicable local, state, federal, and international laws and regulations with respect to Member’s account.
Edvisors has certain Rights & Responsibilities with respect to Password and Account Access: (i) Edvisors will implement security measures at or above industry standards to secure Member’s password on the database; (ii) Edvisors is entitled to act on instructions received under Member’s password and e-mail address; and (iii) Edvisors cannot and will not be liable for any loss or damage arising from Member’s failure to adequately safeguard Member’s e-mail address and/or password.
You may not upload, post, email, transmit or otherwise make available any User Submission that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party.
You may not access the Service for purposes of monitoring its availability, performance or functionality, or for any other benchmarking or competitive purposes. Additionally, you may not use the Services in connection with affiliate programs, multi-level marketing schemes, sites/blogs, repurposing existing stories (source hops), or off-topic content.
You may not change, reorganize, modify, copy, reverse engineer, or create derivative works from the Services or any part thereof, in order to (i) build a competitive product or Service; (ii) build a product using similar ideas, features, functions, or graphics of the Service; (iii) remove, change or replace any Edvisors’ trademarks, logos, copyrights, or any other branding elements; (iv) hide, obscure, disable, or otherwise render inoperable any portion of the User interface including, but not limited to, the display of advertisements and promotions within the Services; or (v) copy any content, ideas, features, functions, or graphics of the Services. In addition, you may not use any meta tags or any other “hidden text” using Edvisors’ name or other trademark or service mark, nor any Edvisors logo or other proprietary graphic or service mark as part of a link, without the express written consent of Edvisors.
You may not use any “deep-link,” “page-scrape,” “robot,” “spider” or other automatic device, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the website and Services, or in any way reproduce or circumvent the navigational structure or presentation of the Services to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Services. Additionally, you may not take any action that imposes, or may impose (as judged by Edvisors at its sole discretion) an unreasonable or disproportionately large load on our infrastructure.
You may not attempt to gain unauthorized access to any portion or feature of the Services, or any other systems or networks connected to the Services or to any Edvisors server, or to any of the services offered on or through the Services, by hacking, password “mining” or any other illegitimate means. You may not harvest or collect User names, User IDs, email addresses or any other User identifying information by electronic or other means for the purpose of sending unsolicited email or other communications. Unauthorized commercial advertisements, affiliate links, and other forms of solicitation may be removed from User profiles and/or community postings without notice and may result in termination of User privileges.
You acknowledge that Edvisors may establish general practices and limits concerning use of the Services including, without limitation, the maximum number of days that information, data, account history or other uploaded content will be retained by the Services, the maximum disk space that will be allotted on Edvisors servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Services in a given period of time. You acknowledge that Edvisors reserves the right to terminate accounts that are inactive for an extended period of time, as determined by Edvisors in its sole discretion. You further acknowledge that Edvisors reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice. You agree that EDVISORS has no responsibility or liability for the deletion or failure to store any information or data and other communications or other content maintained or transmitted by or through the Services.
All Edvisors trademarks, as well as any third-party trademarks, service marks, logos and trade names appearing on this Website or on or through the Services, are the property of their respective owners, and you may not copy or use them in any manner.
Nothing contained on this Website should be understood as granting you a license to use any of the trademarks, service marks, or logos owned by Edvisors or by any third party.
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information provided by you to Edvisors are not commercial and you grant us a worldwide, royalty-free license to distribute, publish, modify, edit or otherwise use your submissions. Edvisors shall be entitled to the unrestricted use and dissemination of these submissions for any purpose, commercial or otherwise without any acknowledgement of or compensation to you.
If you have any questions or comments about the Services or become aware of misuse of the Services by any person, please contact us at email@example.com or at the following address: Edvisors Network, Inc., 10000 W. Charleston Blvd., Suite 200, Las Vegas, NV 89135
Edvisors Network, Inc. (“Edvisors”) is about creating great sites for students. We are a leading student marketing company operating a portfolio of interactive sites that provide information, tools and resources to help students achieve their educational goals.
We provide this policy to explain our privacy practices, including what information we collect, how we use that information to enhance your interaction with our websites, and what choices you have about collection and use of your personal information. We urge you to review this entire policy.
10000 W. Charleston Blvd., Suite 200
Las Vegas, NV 89135 USA
Our goal is to resolve questions or concerns you have about this policy or our privacy practices. You may also visit our opt out page or contact us directly via email.
Edvisors is a member of the BBB Reliability Program. Visit the Better Business Bureau to find out more about Edvisors.
When you are referred to a financial service provider from one of our sites, we are not informed of:
How We Respond to Browser "Do Not Track" Signals: Some Web browsers incorporate a "Do Not Track" feature that signals to websites that you visit that you do not want to have your online activity tracked. Each browser communicates "Do Not Track" signals to the actual website differently making it unworkable to honor each and every request correctly. To alleviate any communication error between browsers and website, we do not respond to Web browser "Do Not Track" signals at this time. As the technology and communication between browser and website improves, we will reevaluate the ability to honor "Do Not Track" signals and may make changes to our policy.
Third Party Tracking: We permit third parties that we have agreements with to track you when you are on our website. When you leave our website there is a chance that these third parties may continue to track you.
Cookies: Edvisors uses “cookies” and other technologies to help us learn more about how our users use our sites and to recognize you when you return. Cookies are text files that are placed in your computer’s browser by a Web page server, and that can be used to help recognize you as an Edvisors user. Cookies are not used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to your computer, and can only be read by a Web server in the domain that issued the cookie to you. Cookies may store user preferences and other information, and can be deleted or blocked by changing the settings on your Web browser. You may also be able to modify your browser setting to notify you each time a cookie is tendered and permit you to accept or decline cookies on an individual basis. However, choosing to decline cookies may hinder performance and negatively impact your experience on Edvisors websites.
Analytics Tools and Third Party Cookies: Edvisors uses temporary cookies to help us determine how people travel through our site. A temporary cookie expires when you close your browser. This website also uses third-party analytics tools (such as Google Analytics) to collect information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use this information only to improve this site. Such tools use permanent cookies to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Edvisors. Third-parties providing such analytics tools may also transfer this information to other third-parties where required to do so by law, or where such third-parties process the information on their behalf. The third-party analytics provider cannot associate your IP address with your personally identifiable information. By using this website, you consent to the processing of data about you by a third-party click tracking analytics provider in the manner and for the purposes set out above.
Online Advertising Networks and Third Party Cookies: Edvisors sometimes runs online ad campaigns that display Edvisors ads to you based on your likely interests. We may learn your likely interests when you use our websites and from other companies and websites that help us understand your likely interests. These types of ads are often called “interest-based ads” or “online behavioral advertising.” We hire “ad networks” to display these ads on websites across the Internet.
The ad networks we hire to display these ads set their own cookies on your browser and use web beacons to measure the effectiveness of these ads and to understand your likely interests. Our ad networks and Edvisors both learn which Edvisors ads are shown to you, which ads are clicked on, and on which web page the ads were displayed.
Notwithstanding the above, we may share information collected from you with third party data providers including web log data and/or hashed email addresses. Third party data providers may place anonymous cookies on your browser to receive customized ads or content, which you can opt out of at http://www.aboutads.info/choices.
For more general information about interest-based ads and your choices, visit the Digital Advertising Alliance at http://www.aboutads.info/choices.
This Web site is not directed or otherwise promoted for use by children under the age of thirteen (13). Edvisors does not knowingly collect, maintain or use personal information from our websites about children under age thirteen. If a child whom we know to be under age thirteen sends personal information to us online, we will only use that information to respond directly to that child, notify parents or seek parental consent, and will delete such information from our records. If we change our practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of thirteen. We are not, however, responsible for the collection and use of information by companies or individuals unaffiliated with us whose websites may contain links to ours. Because we do not knowingly collect any personally identifiable information from children under the age of thirteen, we also do not knowingly distribute such information to third-parties. We do not knowingly allow children under the age of thirteen to publicly post or otherwise distribute personally identifiable contact information via our site.
We take the security of your personal information very seriously, and have implemented policies and procedures designed to safeguard it. To protect your personal information from unauthorized access and use, we have implemented both online and offline security measures such as computer safeguards (firewalls and passwords) and securing servers and buildings where your information is stored. We require all third party advertising and marketing partners with whom we share your information to make reasonable efforts to protect your information.
We use User Information to provide you the services you request (such as scholarship information), to customize our sites, to improve your user experience and our services, and to provide information about other products and services which we think might interest you.
We use Technical Information to operate, administer, test and improve our sites, and to customize and improve the user experience.
Edvisors Sites: The sites that constitute the Edvisors Network all have access to and use information about you for the purposes described above. If you prefer not to receive marketing materials from Edvisors, you may opt out.
Advertisers and Marketing Partners: We may share User Information and Technical Information with third parties whose products and services we think may be of interest to you, such as educational institutions; financial companies, such as those that make or arrange student loans and other financial products; non-financial institutions, such as retailers who sell a wide range of products and services to consumers; direct marketing companies; nonprofit organizations. If you prefer not to receive marketing materials from third parties, you may opt out.
Analytics Partners: We may share User Information and Technical Information with third parties who use the information solely for analytical purposes. The third-party analytics provider cannot associate your IP address with your personally identifiable information.
Third-Party Service Providers: From time to time we may use third parties to perform specific services, such as sending emails or newsletters to Edvisors users. If we use a third party to provide specific services, then information (such as contact information) may be shared with that party to the extent necessary for the third party to provide these services. These third-party service providers are only allowed to use personally identifiable information for the purpose of providing the specific services requested by Edvisors. The third-party services covered by this paragraph do not include links to third-party sites found on our sites. These third party links are governed by a more specific provision (Links to Other Sites) below.
Disclosure to Law Enforcement and Similar Disclosures: While Edvisors strives to protect the personal information of all users, Edvisors will disclose information if legally required to do so, if requested to do so by a government entity, or if it believes in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
To edit any of your privacy preferences, please visit our opt out page. On that page, you may choose to opt out of our use or sharing of your information with third parties for marketing purposes or to change your email delivery options.
If you wish to opt out of the use of your Technical Information by Online Advertising Networks, please visit http://www.aboutads.info/choices. You can also disable or delete cookies directly on your web browser. Please see your browser’s “help” content for information on how to do this.
If you have any problems or questions regarding your privacy preferences or opt out options, and cannot resolve them using our opt out page, please contact us.
Any California residents who have an established relationship with Edvisors may opt out of Edvisors disclosing your personal information with third parties for marketing purposes. Under California law, third parties include affiliates of Edvisors. If you do not want Edvisors to disclose your personal information to third parties, including affiliates, you can opt-out using our opt out webpage.
VERMONT RESIDENTS: Due to special rules affecting Vermont residents, if you register with a Vermont address, we will not share your personally-identifiable information with third-party marketers.
Please note that you cannot opt out of sharing your information to comply with valid law enforcement requests, a legal process, to protect our interests or property or those of third parties, or as otherwise permitted or required by law.
Users who wish to update their personal information should contact us.
Revised: December 16th, 2013
The information contained on this web site is provided for general informational and educational purposes and is not, nor intended to be, legal, financial or tax advice. The publisher is not authorized to practice in front of the IRS and is not subject to IRS Circular 230. This information is general in nature and may not apply to the specific circumstances of individual readers. No claims are made about the accuracy, timeliness or usefulness of the content contained on this web site or any site linked to this site. Users of this site should seek specific guidance directly from a qualified legal, financial or tax professional. Nothing contained on or provided through this site is intended to be or is to be used as a substitute for professional advice.
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