PROTECTING YOUR PRIVACY
If your program is not affiliated with Stride Funding you do not need to review Stride Funding’s Policy above.
Meratas also shares customer information with affiliates and outside companies. Meratas’s Privacy Notice describes our principles and practices regarding how we share customer information with affiliates and outside companies.
Information We Collect
Personal Information We Collect Directly From You
We collect Personal Information when you voluntarily choose to provide such information directly to us, such as when you register for access to the Site, fill out an application for a loan or credit, create an account with us, manage your account on our Site, contact us with inquiries, request information or materials from us, or otherwise interact with our Site. Such information may include your name, phone number, email, address, social security number, date of birth, information regarding your academic record, and online account information such as a username and password.
Personal Information We Receive From Third Parties
We may collect and receive Personal Information about you from third parties, such as our affiliates, joint-marketing partners, consumer reporting agencies, or third-party data providers. Such information may include demographic information, income or credit information, information regarding your academic record, or information about the products and services that we believe may interest you.
Log Data And Other Information
We and our affiliates and our third-party service providers may automatically collect and store certain information when you visit or use the Site, including information such as the Internet Protocol (IP) address of the device you use to connect to the Internet, browser type, device type, mobile device ID (UDID), screen size and resolution, Internet Service Provider (ISP), the Site you came from and exited to, operating system, user agent string, Internet connection type, links you click, searches conducted on the Site, date/time stamp, and pages visited. To obtain such information, we may use logs or applications that recognize your computer and gather information about its online activity.
Cookies And Other Technologies
How We Use The Information That We Collect
We and our affiliates or our third-party service providers may use the Personal Information that we collect from you or from third parties, transaction information, and Other Information that we or our third-party service providers collect from our server logs, cookies and other technologies for a variety of purposes, including to develop, offer, deliver and improve our products and services, to offer products and services of our affiliates, marketing partners, and other companies, to process your refinance applications or other transactions, to fulfill legal and regulatory requirements, and as otherwise permitted by applicable law. For example, we may use the information to:
- Operate the Site;
- Deliver products and services to people who use the Site, including to allow you to apply for ISAs or other loans, to service your loans, and to provide you with firm offers of credit;
- Understand how visitors use our Site, assist us with resolving visitors’ questions regarding the use of our Site, and determine whether the content on our Site is effective;
- Improve our Site and service offerings;
- Communicate with you, notify you about important updates or changes to Meratas’s products and services, and address relevant inquiries or complaints;
- Market and promote products and services offered by Meratas, our affiliates, and others, both online and offline, consistent with applicable law. For example, we may use your Personal Information, such as your email address or phone number, to contact you about products or information we think might be of interest to you. Although we hope you find our promotional communications of interest, you may opt out of receiving our marketing emails by following the “unsubscribe” instructions at the bottom of each marketing email communication. Further information about Meratas’s principles and practices regarding the sharing of customer information with affiliates and outside companies can be found in our Privacy Notice;
- Personalize your experience on the Site and customize the communications and advertisements you receive from us, our affiliates and others, including as discussed in the section below titled “Third-Party Analytics and Interest Based Advertising”;
- Comply with legal or regulatory requirements; or
- Let us know which emails and online advertisements have been opened by recipients to understand the effectiveness of our marketing and other communications and to make those communications more useful and interesting to you.
Our Disclosure Of Your Personal And Other Information
We may share your Personal and Other Information with other parties for a variety of purposes, as described below.
Service Providers and Business or Marketing Partners: We may disclose Personal and Other Information to our service providers and business partners, who use it to perform tasks on Meratas’s behalf or for joint marketing efforts. Among other things, service providers help us manage and improve the Site, provide Meratas services, send firm offers of credit and promotional materials to you, provide payment processing services, provide debt collection services, and administer your accounts. Our service providers may collect, process, and retain information about you directly on behalf of Meratas. Our service providers are prohibited from using the information we provide to them for their own purposes or for the purposes of any other entity.
Consistent With Our Financial Privacy Notice: We may also share our customer’s Personal and Other Information with affiliates and outside companies as described in our Privacy Notice.
Legal Purposes: We also may use or share your Personal or Other Information with third parties when we believe, in our sole discretion, that doing so is necessary:
- to comply with applicable law or a court order, subpoena, or other legal process;
- to investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of our terms and conditions, or situations involving threats to our property or the property or physical safety of any person or third party or for risk management purposes;
- to establish, protect, or exercise our legal rights or defend against legal claims; or
- to facilitate the financing, securitization, insuring, sale, assignment, bankruptcy, or other disposal of all or part of our business or assets.
Aggregated or De-Identified Information: From time to time, Meratas may share aggregated or de-identified information about users of the Site or Meratas’s products and services, such as sharing reports on the usage of the Site or Meratas’s services for regulatory reporting or marketing purposes.
Third-Party Analytics And Interest-Based Advertising
The use of online tracking mechanisms by third parties is subject to those third parties’ own privacy policies. You may remove yourself from the targeted advertising of companies within the Network Advertising Initiative by opting out here, or of companies participating in the Digital Advertising Alliance program by opting out here. Please note that the opt-out will apply only to the specific browser or device from which you opt out, and therefore you will need to opt out separately on all of your browsers and devices. If you delete or reset your cookies, change browsers, or use a different device, any opt-out cookie or tool may no longer work and you will have to opt out again.
Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser “do not track” signals, but you may opt out of interest–based advertising of companies within the Network Advertising Initiative and for companies participating in the Digital Advertising Alliance by visiting the opt-out pages described above.
Reviewing And Updating Your Information
In our information technology systems environment, Meratas maintains commercially reasonable administrative, technical, and physical safeguards (including secure disposal methods) designed to protect your personal information against loss or unauthorized access, use, modification, or deletion. However, no security program is foolproof, and thus we cannot guarantee the absolute security of your personal or other information.
The Site is not directed to children under the age of 13, and we do not intend to collect personal information from children under 13 years of age. If we learn that we have collected this information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our system except when required by statute or regulation to maintain for record keeping purposes.
If you have any questions or comments about this policy, you are welcome to write or call us toll free at:
P.O. Box 113343
Stamford, CT 06902
Hours of operation: Monday – Thursday 9 a.m. to 5 p.m. PST.
MERATAS PRIVACY NOTICE
WHAT DOES MERATAS DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we may collect and share depend on the product or service you have with us. This information can include: (i) social security number and income; (ii) account balances and payment history; and (iii) transaction or loss history and employment information.
When you are no longer our customer, we may continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday operations. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Meratas chooses to share; and whether you can limit this sharing.
REASONS WE MIGHT SHARE YOUR PERSONAL INFORMATION
For our everyday business purposes, such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
To potentially offer our products or services to you.
WHO WE ARE
Who is providing this notice? Meratas Inc., a New York corporation.
WHAT WE DO
How does Meratas protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Meratas collect my personal information?
We collect your personal information, for example, when you:
open an account and send or receive money
pay your bills and give us your income information
provide account information and give us your contact information
pay us by check and give us your wage statements
We also collect your personal information from other companies, credit bureaus or affiliates.
WHY CAN’T I LIMIT ALL SHARING?
Federal law gives you the right to limit only:
sharing for affiliates’ everyday business purposes — information about your credit worthiness affiliates from using your information to market to you
sharing for non affiliates to market to you
Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. Meratas does not share with non-affiliates so they can market to you.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. Meratas doesn’t jointly market.
Meratas may use specific tools from Google AdWords to help market ourselves. This includes the following information:
Google AdWords features are based on Remarketing with Google Analytics and is used to advertise Meratas online. This is done by remarketing the Company to reach people who previously visited our website, and match these people with the correct message from the Company.
Third-party vendors, including Google, may show our ads on sites across the Internet.
Meratas and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on someone’s past visits to your website.
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