My US Educational Fundings (“MUSEF ”) Online Privacy
Policy
(Last updated February 29, 2009)
MUSEF has established this Privacy Policy to explain how it protects and
manages the personal information that it collects from you (the customer)
online.
1. Consent for Collection, Use
and Disclosure
Your use of the MUSEF site and/or your registration for MUSEF products and
services constitute your consent to the terms of this Privacy Policy. If you
do not agree to the terms of this Privacy Policy, please do not use the
MUSEF site.
MUSEF may occasionally update this Privacy Policy. When it does, MUSEF will
also revise the “last update” date at the top of this Privacy Policy. In
addition, MUSEF will seek a customer’s prior consent, by email, for any new
uses or proposed disclosures of information collected from the customer
prior to the change. MUSEF will notify customers by email of changes to this
policy that will affect information collected from them in the future. In
certain circumstances, however, MUSEF will not inform and obtain the consent
of the customer, such as in connection with an investigation of a breach of
an agreement, contravention of laws, an emergency where the life, health or
security of an individual is threatened, the collection of a debt or in
compliance with the request of a law enforcement agency or a court order.
A customer may withdraw his or her consent for collection, use and
disclosure at any time by sending an email to
unsubscribe@myuseducationalfunding.com. Please note that, if you do, MUSEF
may suspend its provision of products and services to you. When you
unsubscribe, if you fall within the guarantee period or conditions for any
MUSEF product and you request a refund, the guarantee will be honored.
2. Accountability
MUSEF collects, at the time of your registration and your sign-on to its web
site, certain “personal information” (information that personally identifies
you) including but not limited to your name, email address, home or work
address, telephone number, and information about your computer hardware and
software (e.g., IP address, operating system, browser type, domain name,
URL, access times, and referring web site addresses).
MUSEF has implemented this Privacy Policy to protect personal information
received from its customers, and to respond to any inquiries. The Privacy
Policy also provides that MUSEF will use appropriate contractual means to
establish a comparable level of protection for personal information which is
sent for processing by third parties on MUSEF ’s behalf.
MUSEF has designated responsibility for your personal information to its
Privacy Officer, who ensures compliance with the principles in this Privacy
Policy. Other MUSEF individuals may be delegated to act on behalf of the
Privacy Officer.
3. Purposes for Collecting Personal Information
MUSEF collects and uses personal information for the following Identified
Purposes:
(a) to understand customer needs regarding MUSEF ’s services;
(b) to develop and provide our web site and our products and services for
our customers;
(c) to fulfill your requests for products, services or information;
(d) to communicate with customers and site visitors, when necessary, and to
inform customers of upgrades, as well as of other products and services
available from MUSEF , its affiliates and third parties;
(e) to allow customers to access limited-entry areas of MUSEF ’s site;
(f) to personalize some of our services and products for you and to deliver
targeted advertisements and offers from MUSEF and third parties;
(g) to bill accounts and maintain payment records;
(h) to comply with any applicable law, regulation, legal process or
government request;
(i) to respond to a legitimate claim, or to address our reasonable belief,
that you are violating the rights of any third party or any of the
agreements or policies that govern your use of the MUSEF site or any MUSEF
product or service;
(j) to protect the services, products or rights of MUSEF , including but not
limited to the security or integrity of the MUSEF site; and
(k) to identify and resolve technical problems concerning MUSEF ’s site,
products and services.
MUSEF also uses personal information in an aggregate form (i.e., not
individually attributable to you) for its business analysis, operational,
marketing and other promotional purposes.
If we hire other companies to provide some products or services on our
behalf, then we will only provide those companies the personal information
they need for the Identified Purposes, and we will limit their rights to use
and further disclose your personal information as appropriate in the course
of their work for us.
4. Limiting the Collection of Personal Information
MUSEF limits its collection of personal information to only that information
which is necessary for the Identified Purposes. MUSEF does not direct its
site to, nor does it knowingly collect any personal information from
children under the age of thirteen.
When you visit the MUSEF web site, a cookie may be placed on your computer
or the cookie may be read if you have visited the MUSEF site previously.
MUSEF uses cookies to allow MUSEF to determine which products and services
you have already purchased so that MUSEF does not provide redundant
information to you, and, if you are an MUSEF affiliate, to track MUSEF sales
made to customers referred by you so that you can receive compensation under
our affiliate program. If you choose to not have your browser accept cookies
from the MUSEF web site, you may not be able to view all the text on the
screens, or to experience a personalized visit, or to subscribe to certain
service and product offerings on the MUSEF site.
5. Disclosure, Processing and Retention
MUSEF does not sell, rent or disclose your personal information to anyone
else, except:
(a) to someone you have designated to act as your agent, for one or more of
the Identified Purposes (listed in Section 2, above);
(b) to MUSEF ’s employees, independent contractors, subsidiaries,
affiliates, consultants, business associates, service providers, suppliers
and agents, acting on MUSEF ’s behalf for any of the Identified Purposes;
(c) as necessary if MUSEF has reason to believe that disclosure is necessary
to identify, contact or bring legal action against someone who may be
causing injury to or interference (either intentionally or unintentionally)
with MUSEF ’s rights or property, other users of MUSEF ’s web site, products
or services, or anyone else that could be harmed by such activities; and
(d) to respond to judicial process and provide information to law
enforcement agencies or in connection with an investigation on matters
related to public safety, as permitted by law, or otherwise as required by
law.
In addition, as we continue to develop our business, we or our affiliates
may sell or buy other businesses or entities, or we may merge with another
company. In such transactions, personal information may be one of the
transferred business assets. Also, in the event that MUSEF or substantially
all of its assets are acquired, your personal information may be one of the
transferred assets.
Your information may be stored and processed in the United States, or in any
other country in which MUSEF or its affiliates, subsidiaries or agents
maintain facilities. By using this web site, you consent to any such
transfer of information outside of your country.
After your account becomes inactive (that is, if you request to be removed
from our database), MUSEF will keep your personal information in its
archives. Your information will then be used only as necessary for tax
reasons or to prove MUSEF ’s compliance with any applicable law.
6. Accuracy of Personal Information
MUSEF will use reasonable efforts to keep customer personal information
accurate for the Identified Purposes, and for minimizing the possibility of
making inappropriate customer decisions based on such information. Customers
are responsible for informing MUSEF about changes to their personal
information. You can do this by calling 310-982-6737 or sending an email to:
consultants@myuseducationalfunding.com MUSEF will use new or updated
personal information it receives from customers to update its own records.
7. Security Safeguards
MUSEF will use reasonable efforts to protect customers’ personal
information.
8. Access to Personal Information
MUSEF will afford you a reasonable opportunity to review the personal
information in your file, if you so request by calling 310-773-5845, or
writing to us ... or upon request to the Privacy Officer.
If MUSEF is not able to provide access to some aspect of a customer’s
personal information, it will provide reasons for denying access such as;
that by doing so would likely reveal personal information about a third
party, or that it is confidential commercial information or attorney–client
privileged communications, or that the information relates to a breach of an
agreement or a contravention of law, or that its disclosure could reasonably
be expected to threaten the life or security of another individual.
Customers have the right to request that inaccurate or incomplete
information be amended as appropriate, by contacting MUSEF or the Privacy
Officer as described above. MUSEF will promptly correct such personal
information.
