Privacy Policy

Last Updated:  September 24, 2024

Edvisors Network, Inc. (“Edvisors”, “our”, “we”) publishes several different websites, including, but not limited to the following:

Edvisors.com

PrivateStudentLoans.com

This Privacy Policy applies to all our websites (collectively, “Site”) and Services owned and operated by Edvisors. The term "Services," means any services, transactions, or other engagements you might have with Edvisors.

Please carefully read this Privacy Policy, which is part of our Terms of Use, before using our Site and/or Services. If you do not agree with the Terms of Use and/or this Privacy Policy, you must refrain from using our Site and/or Services. By accessing or using our Site and/or Services you agree to our use of your information consistent with the Terms of Use and this Privacy Policy.

1. Information We Collect

We may collect, use, and disclose information that personally identifies, relates to, describes, or is capable of being associated with you (“Personal Information”). In the past twelve months, we have collected the following categories of Personal Information:

We also collect certain types of Personal Information that may be considered sensitive under relevant laws (“Sensitive Personal Information”). In the past twelve months, we have collected the following categories of Sensitive Personal Information:

2. How We Collect Information

A. Information You Provide

We may collect Personal Information you provide to us:

• When you fill out forms or fields through our Services;
• When you sign up for any newsletters or other materials through our Services;
• When you provide information to us through a Third-Party application, service or web site;
• When you communicate with us or request information about us or our Services, whether via email or other means;
• When you participate in online surveys hosted by us or our Third-Party partners;
• When you participate in any of our marketing initiatives, including, contests, sweepstakes, or other promotions;
• When you participate in forums, chats or provide user generated content or submissions;
• When you provide us with access to GPS-based information about your location; and
• When you visit our Sites or open emails we send, including your device identifier or IP address.

B. Information Third Parties Provide

We also may collect information about you from sources other than from you directly, such as from social media websites (Facebook, LinkedIn, X or others), other users and our business partners.

This Privacy Policy applies solely to our privacy practices. We are not responsible for the privacy practices of any Third Parties, even if our ads contain links to Third Party websites and even if we have an independent business relationship with that Third Party. This policy does not address, and we are not responsible for information practices (including collection, usage, disclosure or data security) of any Third Parties, including any Third Party operating any site or service to which our Site links. The inclusion of a link on our Site does not imply our or our affiliates’ endorsement of the linked site or service.

We encourage you to review the Privacy Policy of each and every web site that you visit to be sure you understand the terms and conditions that apply to you from each of them.

Supplementation of Personal Information: In order to provide certain services to you, we may on occasion supplement the Personal Information you submitted to us with information from Third Party sources. Some, but not all, of the ways we may supplement information include:

• Address Verification: If you provide your email address during member registration or otherwise, we use Third Parties in order to verify your email address information registration process.
• Enhancement of Profile Information: We obtain marketing data from Third Parties and add it to our existing user database, to better target our advertising and to provide pertinent offers for which we think you would be interested. To enrich our profiles of individual customers, we tie this information to the Personal Information you submitted to us. If you choose to link any of your social media accounts to your account, you may be given the option to log into your account using the credentials from any such social media accounts. When you choose to use this log-in feature, we may obtain information from all of the social media accounts that you have chosen to link to your account. Such information may include, for example, your name, date of birth, gender, location, profile photo, interests, activities, likes, check-ins, languages, e-mail address, mailing address, telephone number, professional information, contacts or similar information. You may unlink any of your social media accounts from your account by modifying your account settings. When you do so, we will stop obtaining new information from such social media accounts.
• When We Advertise on Third Party Sites: When you visit a site on which we advertise and click through our advertisement, we may place cookies on your computer or use pixel tags. The information that we collect through this technology is not personally identifiable.

C. Information Collected Through Use of Cookies and Other Tracking Technologies

We use tracking technologies to help provide content, to measure promotional effectiveness, to offer advertisements and/or other offerings, to recognize you and your preferences when you return to our site, to help us learn more about how our users use our sites, to personalize your experience, to assess which areas of our Site you visit, and to remarket to you after you leave our site.

Tracking: We permit Service Providers (as defined below) and Third Parties (as defined below) that we have agreements with us to track you when you are on our Site. When you leave our Site there is a chance that these Third Parties may continue to track you.

A few tracking technologies include, without limitation, images, scripts and subsequent technology and methods later developed:

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” (which may be html files, Flash files or other technology) are text files that are stored on your browser or device by websites, apps, online media, and advertisements that can be used to help recognize you as an Edvisors user and help store your preferences and activity. 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’ Site.

Web Beacons: Web beacons are small graphic images or other web programming which may be included in our Services. Web beacons can be invisible to you and are used for a number of purposes, including, without limitation, to count visitors to our Sites, to monitor how users navigate our Sites, to count how many e-mails that were sent were actually opened or to count how many specific articles or links were actually viewed.

HTML5 and Locally Stored Objects: Similar to cookies are “locally stored objects” which we may also use for storing analytics information. Locally stored objects, such as HTML5 Web Storage, are used for similar purposes as cookies but typically may contain a greater amount and different types of data than browser cookies. Most current versions of common web browsers clear this locally stored data when you delete or clear your cookie cache. To confirm whether this is the case for the browser you are using, or to learn more about how to precisely control this data storage, please consult the Help function of your browser.

Analytics Tools and Third-Party Cookies: Edvisors uses temporary cookies to help us determine how people travel through our Site. A session cookie expires when you close your browser. We also use Third-party analytics tools (such as Google Analytics) to collect information such as how often users visit our Site, what pages they visit when they do so, and what other sites they used prior to coming to our Site. We use this information only to improve our Sites and Services. Such tools use permanent cookies to identify you as a unique user the next time you visit our Site. 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. By using our Site, 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.

For some of our products, we use Google Analytics Advertising Features, including Remarketing with Google Analytics, Google Display Network Impression Reporting, Google Analytics Demographic and Interest Reporting.

You may opt out of the Google Analytics service with Google’s Browser Add-on that’s available at https://tools.google.com/dlpage/gaoptout/

For information in general about Google’s remarketing ad campaigns, and specifically about information regarding DoubleClick cookies and how to control and manage Google’s advertising cookies for these campaigns, visit https://www.google.com/policies/technologies/ads/.

For another Google resource for opting out of Google’s use of cookies, visit https://www.google.com/settings/ads/.

For another resource recommended by Google for opting out of a Third-Party vendor’s use of cookies, visit https://www.networkadvertising.org/managing/opt_out.asp.

You can exercise cookie choices with certain advertising networks by visiting http://www.aboutads.info/choices/.

Session Replay Software - Our Site may also use, on some pages, the HotJar Analysis and Feedback tool. We may use Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g., how much time they spend on which pages, which links they choose to click, what users do and don’t like) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf.

For more information see HotJar's Privacy Policy at https://www.hotjar.com/privacy.

You can choose to disable the HotJar service at https://www.hotjar.com/opt-out.

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 Site and from other companies and websites that help us understand your likely interests. These types of ads are often called “interest-based ads”, “online behavioral advertising”, or “targeted advertising”. We hire “ad networks” to display these ads on websites across the Internet. Edvisors adheres to the DAA’s Self-Regulatory Principles for Online Behavioral Advertising.

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.

Third-party companies may use non-cookie technologies to recognize your computer or device and/or to collect and record information about your web surfing activity including your activities on our Site. These technologies may be used directly on our Site. Please keep in mind that your web browser may not permit you to block the use of these non-cookie technologies, and those browser settings that block cookies may have no effect on such techniques.

For more general information about interest-based ads and your choices, visit the Digital Advertising Alliance at http://www.aboutads.info/choices.

Cross-device and cross-app technology: We use the term “devices” to refer collectively to computers and mobile devices, as well as the internet browsers and other applications on your devices that interact with the internet. We and our customers may use technology that establishes deterministic or statistical connections among related devices (such as smartphones, tablets, and computers) to deliver more relevant advertising to you and for advertising analytics and reporting purposes. This includes cross device data collection which refers to the process of collecting data from separate devices that have been determined through statistical analysis to be linked or related.

How We Respond to Browser “Do Not Track” Signals: Some web browsers or mobile device operating systems incorporate a “Do Not Track” (a/k/a DNT) feature that signals to websites that you visit that you do not want to have your online activity tracked. We do not respond to web browser and/or mobile device operating systems “Do Not Track” signals at this time.

3. How We Use Your Information

A. Internal Uses

We may use each category of your Personal Information for business purposes as described below:

C. Personal Information Disclosures

From time to time, we may use other businesses to perform specific services (“Service Providers”), such as sending emails or newsletters to Edvisors users. We may disclose your Personal Information to the extent necessary for the Service Provider to provide specific services including, but not limited to:

• Fulfillment and account servicing vendors, which help us provide products, services and information to you, service your account or benefits, and perform payment processing services;
• Marketing and communications vendors, which help us market our products/services to you, conduct promotions, surveys and other outreach campaigns, place and measure the effectiveness of advertisements placed on our Sites on behalf of others, and facilitate communications via phone, text, email, social media and chat;
• Research and development vendors, which help us develop and improve our products and services;
• Data and business analytics vendors, which help us collect, analyze and improve the accuracy of our data (including Personal Information);
• IT and network administration vendors, which provide services such as data storage, including cloud computing and storage;
• Professional service firms, which provide accounting, legal, and other professional services; and
• General service providers, which help us with day-to-day business operations such as office support services, courier services, facilities management, and document destruction.

These Service Providers may be located outside of your home jurisdiction. Our Service Providers are only allowed to use Personal Information for the purpose of providing the specific services requested by Edvisors. The services covered by this paragraph do not include links to third-party sites found on our sites.

D. Personal Information Sales and Sharing

We may sell your Personal Information to third parties who are not Service Providers (“Third Parties”). We may also share Personal Information with Third Parties for cross-context behavioral advertising or targeted advertising purposes. Any time we use the word “share” or its derivatives in this Privacy Policy, we mean sharing for cross-context behavioral advertising or targeted advertising purposes. We do not sell or share the Personal Information of consumers we actually know are less than 16 years of age. In the past twelve months we have sold or shared Personal Information as described below.

As required by Florida Law and Texas Law, we provide you with the following notice:

NOTICE: We may sell your sensitive personal data.

*Our Site may display Third-Party advertisers’ offers. These advertisers may in turn display their own offers. These offers are not controlled by or made by Edvisors. These offers may be displayed to you based on certain technical information, such as your geographic area or other anonymous demographic information. After clicking on one of these offers, you may no longer be on a site hosted by Edvisors or a partnering Third Party Platform. Edvisors may provide points or other virtual rewards to users in exchange for interaction with an advertisement or completion of a specific activity in furtherance of the advertiser’s promotion subject to our Notice of Financial Incentive. Such activities may include signing up for an account with the advertiser. To properly credit user accounts and to prevent fraud, a unique identifier and anonymous demographic information may be shared with the offer provider. This information is used to ensure proper crediting of your account, prevent fraud or duplicate offers and to resolve any customer service inquiries that may arise. Once you complete an offer, you may then be returned to an Edvisors Site or Service.

We may also disclose your Personal Information to Third Parties for the following purposes when permitted or required by applicable law:

Law Enforcement: While Edvisors strives to protect the Personal Information of all users, Edvisors will disclose Personal 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.

As Part of a Business Transfer: We may disclose your Personal Information, including usage information with any parent, subsidiary or affiliate entity for the purposes disclosed in this Privacy Policy. We also reserve the right to disclose and transfer some or all such information: (i) to a subsequent owner, co-owner or operator of Edvisors; or (ii) in connection with any merger, acquisition, consolidation, restructuring, bankruptcy, sale of assets or other corporate change involving us and/or our affiliates. We may transfer the corresponding information regarding our customers and users of the Services, including Personal Information, to Third Parties evaluating or facilitating the transaction.

Nothing in this Privacy Policy is intended to interfere with our ability to transfer all or part of our business, equity interests, or assets (including the Services) to an affiliate or non-affiliated third party at any time, for any purpose, without any limitation, and without notice or any compensation to you.

Consent: In addition to the other disclosure practices described in this Privacy Policy, we may also disclose your Personal Information to Third Parties with your consent.

In the past twelve months, we have disclosed the following categories of Personal Information to Third Parties in circumstances that are not the sale or sharing of the Personal Information:

4. Children's Policy

This Site is not directed or otherwise promoted for use by children under the age of sixteen (16). Edvisors does not knowingly collect, maintain or use Personal Information from our Sites or Services 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 Personal Information from children known to be 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 web sites may contain links to ours. Because we do not knowingly collect any Personal 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 Personal Information via our Site. Edvisors has provided residents of Maryland, who are under eighteen (18) years of age, with EXTRA privacy protection. This means we do not sell your personal information and we do not use your personal information to profile you. Profiling means automated processing of personal information to evaluate or predict things like economic situation, health, preferences, interests, behavior, and location.

5. How We Protect Your Information

We take the security of your Personal Information very seriously. Edvisors maintains certain physical, electronic, and administrative safeguards to help protect our data. We require all Service Providers to whom we disclose your Personal Information.

We cannot, however, ensure or guarantee the security of any information you transmit to us or store on the Services and you do so at your own risk. We also cannot guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, electronic, or administrative safeguards.

6. Links to Other Sites

This Site contains links to other sites. Please be aware that Edvisors does not exercise control over the information, products, services or policies of Third-Party companies linked from or accessible through our Site. We encourage you to be aware when you leave our Site and to read the privacy policies of each and every Third-Party site so you can understand how they collect, use, and share your information.

7. How to Update Your Information

We encourage you to visit your account, if applicable, to review and update your Personal Information.

The appropriate method(s) for updating your information, if any, will depend on which of our Site and Services you have either visited or used. Depending on the Site and Service, you may have the ability to view or edit some of your information online, by logging into the Services and visiting your account profile page. You may also reach us during regular business hours at (888) 972-1010 to request to update your Personal Information. We may ask you to verify your identity and provide other details to help us to respond to your request.

8. Friend Referrals

We may provide you with an opportunity to invite and inform your friends, family and acquaintances (“Friends”) about our Services. If you elect to use our referral feature, we will automatically send to your Friend, to the email address you provided, one or more emails or other communications, on your behalf, inviting them to visit or register for the Edvisors’ Site and Services. You warrant and represent that you have your Friend’s consent to provide us with their information for this purpose, and that you will not give us referral information for any person not permitted to use the Edvisors’ Site and Services, including, without limitation a child under the age of 16, a person whose account has previously been suspended or deactivated, or a person residing or located in a territory where use of the Edvisors’ Site and Services are not authorized.

9. Your Rights with Regards to Our Collection Practices

Unsubscribe from Our E-mails: If you do not wish to receive promotional e-mails from us, whether on our behalf or on behalf of a client, including our e-newsletters, follow the unsubscribe process at the bottom of the promotional e-mail. Alternatively, you can unsubscribe here. Note that even if you unsubscribe, you may still receive transactional e-mails from us (e.g., e-mails related to the completion of your registration, correction of user data, password reset requests, reminder e-mails that you have requested, and any other similar communications essential to your transactions on or made through the Services). It may take up to 10 days to process your opt out request.

Opting Out — Advertisers and Third Parties: If you opt out, we will stop sharing and/or selling your personal information in Edvisors’ proprietary database to help Third Parties (including Third-Party Market Research (MR) Companies) or marketing partners send or tailor ads and content to you, including through email, direct mail or online display marketing. Doing so will not opt you out of our marketing partners’ or Third Parties’ databases, only data in Edvisors’ own database – so other companies that we work with may still send ads, offers and content to you. To opt out of Edvisors sharing and/or selling your information with Third Parties and/or marketing partners for their marketing purposes, opt out here.

Opting Out of Interest Based Advertising: If you wish to opt out of the use of your technical information by certain 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.

You can opt out of our use of your online viewing behavior data to serve you interest-based advertising on Third-Party sites that participate in the DAA AdChoices program  at www.aboutads.info or by clicking on the Interest-based Ads link in the footer of our Site and navigating to the consumer opt-out page. Use the same links to opt out of interest-based advertising on our Services from any participating Third-Party advertising networks we may use.

Your access to our Site should not be affected if you do not accept cookies served by Third Parties.

If you have any problems or questions regarding your privacy preferences or opt out options, you may reach us during regular business hours at (888) 972-1010.

Consumer Privacy Rights

Laws in California, Colorado, Connecticut, Florida, Nevada, Oregon, Texas, Virginia and Montana provide consumer-residents with specific rights regarding their Personal Information. This section describes your rights if you are a resident of the above states and explains how to exercise those rights.

Rights available may vary by state.

Opt Out Right

The right to opt out of:

• Sales. A California, Colorado, Connecticut, Nevada, Oregon, Virginia or Montana consumer has the right to opt out of the sale of their Personal Information to Third Parties.
• Sharing For Targeted or Cross-Context Behavioral Advertising. A California, Colorado, Connecticut, Oregon, Virginia or Montana consumer has the right to opt out of our sharing of Personal Information to Third Parties for the purpose of targeted or cross-context behavioral advertising.
• Profiling. A Colorado, Connecticut, Oregon, Virginia or Montana consumer has the right to opt out of our use of Personal Information for profiling in furtherance of decisions that produce legal or similarly significant effects concerning the consumer.
• Processing of Sensitive Personal Information. A California consumer has the right to request we limit the use of their Sensitive Personal Information to only exempt uses under applicable regulations. A Colorado, Connecticut, Florida, Oregon, Texas, Virginia or Montana consumer has the right to provide and revoke their consent to our processing of their Sensitive Personal Information.

We will recognize legally required opt-out from sale and sharing and/or targeting advertising signals such as Global Privacy Control.

If we receive an opt-out from sale and sharing signal and are able to reasonably identify the consumer to whom the signal relates, we will treat the signal from a California or Colorado consumer as a request to opt out of the sale and sharing for targeted and cross-context behavioral advertising purposes of all Personal Information. We will also disable cookies and other tracking tools utilized by Third Parties on our Site.

If we receive an opt-out from sale and sharing signal and are not able to reasonably identify the consumer to whom the signal relates, we will treat the signal as a request to opt out limited to the Personal Information we collect from the consumer during the online session during which the signal is present. We will also disable cookies and other tracking tools utilized by Third Parties on our Site.

Access Right (Right to Know)

A California, Colorado, Connecticut, Oregon, Virginia or Montana consumer has the right to request that we disclose certain information to you about our collection and use of your Personal Information over the past 12 months, including:

• The categories of Personal Information we collected about you.
• The categories of sources from which we collected your Personal Information.
• Our business or commercial purpose for collecting your Personal Information.
• The categories of Third Parties with whom we share your Personal Information.
• The categories of Third Parties with whom we sold your Personal Information.
• The specific pieces of Personal Information we collected about you (also called a data portability request).
• If we disclosed your Personal Information for a business purpose, we will identify the Personal Information categories that each category of recipient obtained.
• (Oregon residents only) A list of the specific Third Parties to whom we disclosed your Personal Information or a list of specific Third Parties to whom we disclose Personal Information generally. We may choose which list to provide. 

We will provide this information free of charge once per twelve-month period to a Connecticut consumer and twice per twelve-month period to a California, Colorado, Oregon, Virginia or Montana consumer. We are not permitted to provide access to specific pieces of Personal Information if the Personal Information is sensitive or creates a high risk of potential harm from disclosure to an unauthorized person such as financial information, social security numbers, and driver's license numbers. We will not provide specific pieces of Personal Information unless you expressly request them.

Deletion Right

A California, Colorado, Connecticut, Oregon, Virginia or Montana consumer has the right to request that we delete any of your Personal Information that we collected from you and maintained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our Service Providers to delete) your Personal Information from our records, unless an exception applies. We may rightfully retain your Personal Information if a legal exemption applies.

Correction Right

Please refer to the “How to Update Your Information” section to update your Personal Information.

A California, Colorado, Connecticut, Oregon, Virginia or Montana consumer also has the right to request that we correct inaccurate Personal Information that we collected from you and maintain. While submitting your request to correct inaccurate Personal Information, we will provide instructions for you to provide us with optional documentation to support your request and we will consider it. We may decline to correct your allegedly inaccurate Personal Information if a legal exemption applies. We may also decide to delete your Personal Information rather than correcting it.

Appeal Right

A Colorado, Connecticut, Oregon, Virginia or Montana consumer has the right to appeal our decision to deny, in full or in part, your exercise of privacy rights by submitting a request to appeal. We will process appeal requests within 45 days of receipt, subject to any applicable exemptions and extensions permitted by law. If we deny your appeal, we will provide you with a written explanation of the reasons for our decision. If you are not satisfied with our explanation for the denial of your appeal, you may contact your state Attorney General to submit a complaint about the appeal results and we will provide you with instructions for doing so.

How to Make a Rights Request

If you are a resident of a state with a relevant right as explained above you may submit your request(s) by any of the methods below.

• Calling us at (888) 972-1010
• Emailing us at: [email protected] (Please include name, email address, and date of birth)
• Privacy Rights Request Webforms:
  • Right to Access/Know: https://edvisors.com/right-to-know-request
  • Deletion:  https://edvisors.com/delete-request
  • Correction: https://edvisors.com/right-to-correct-request
  • Opt-Out Privacy Center (Do Not Sell/Share, Opt-out of Profiling, Limit Use of Sensitive Personal Information): https://edvisors.com/your-privacy-choices
  • Appeals: https://edvisors.com/right-to-appeal-request 

Depending on the type of request made, we may require you to provide information including, but not limited to the following: name, email address, and date of birth to reasonably verify your identity. We will attempt to match the information you provided with the information in our records. We will not be able to process Access, Correction, or Deletion requests until we have verified your identity. Our verification process will take into consideration the type and sensitivity of information requested, and any risk of harm posed by any unauthorized access, deletion, or correction. Thus, we will either verify your identity to a reasonably high degree of certainty or a reasonable degree of certainty. Any information you submit to exercise your rights will be used solely for processing your request.

We will process verified Access, Correction, or Deletion requests within 45 days of receipt, subject to any applicable exemptions and extensions permitted by law up to 90 days. We will process Opt Out requests within 15 days of receipt. We will retain records of your request for at least two years.

Authorized Agent / Representative

If you are an authorized agent submitting a request for another California, Colorado, Connecticut, Oregon or Montana resident, please submit your request through one of the provided submission methods and designate whether you are exercising a request as an authorized agent. The authorized agent must provide a copy of a letter signed by the customer authorizing the agent to submit a request on his or her behalf, (b) a valid power of attorney, or (c) other documentation evidencing your role as a guardian, conservator, or similar over the consumer. You may provide this documentation via email to [email protected]. We may contact you and the consumer on whose behalf you claim to act to verify your identity, the consumer's identity, and your authorization to act on the consumer's behalf.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your privacy rights under law or this Privacy Policy.

Notice of Bona Fide Loyalty Program Disclosures for Colorado residents:

In addition to the other information described in this Privacy Policy regarding the selling and/or sharing of Personal Information, we provide the following information to Colorado residents who participate in our Loyalty Program in accordance with applicable law:

• Bona Fide Loyalty Program Partners and Bona Fide Loyalty Program Benefits provided by each: N/A
• We do not sell or process Personal Data or Sensitive Data for targeted advertising purposes solely as a result of your participation in a loyalty program but may engage in such processing more generally as explained elsewhere in this Privacy Policy.
• As explained more fully above in this Privacy Policy, we will sell or share your Personal Information to Advertisers and Marketing Partners, Analytics Partners, Market Research (MR) Companies, Promotional Partners, Social Media Companies, AI/Data Modelers and Data Brokers.
• If you decide to delete your Personal Data, Edvisors will delete all of your applicable Personal Data which includes your account, subject to any state law exceptions from our systems and under the brand of Edvisors Network Inc. This includes all available points/rewards associated with your account. In addition, deletion would result in Edvisors no longer having the ability to verify your identity and being able to provide you with Program benefits.

We encourage you to consider redeeming any available points before requesting deletion.

• We do not require you to provide your Sensitive Data to take advantage of our Rewards Programs. You will be provided with the opportunity to complete surveys as a member of our Reward Programs and should you elect to participate in the surveys, you may be asked survey questions that elicit responses that contain or involve Sensitive Data.

Your California Privacy Rights: A Notice to California Users (California Civil Code Section 1798.83)

California's "Shine the Light" law, Civil Code section 1798.83, requires certain businesses to respond to requests from California residents asking about the business' practices related to disclosing Personal Information to Third Parties for the Third Parties' direct marketing purposes. Alternately, businesses may have in place a policy not to disclose Personal Information of California residents to Third Parties for the Third Parties' direct marketing purposes if the California resident has exercised an option to opt out of such information-sharing. We have such a policy in place.

Any California residents may opt out of Edvisors disclosing your Personal Information with Third Parties for their direct marketing purposes using our Do Not Sell or Share My Personal Information form. Do Not Sell My Personal Information (edvisors.com)

Pursuant to California privacy law, registered users under 18 years of age may request to have content or information posted by the user removed from any of our online platforms. In order to effectuate removal of such content or information, you may reach us during regular business hours at (888) 972-1010.

The removal of content does not ensure complete or comprehensive removal of the content or information posted on any of our online platforms by the registered user.

We do not advertise or market any of the products or services identified in Cal. Bus. & Prof. Code Chapter 22.1 Sec. 22580(i) to users we have actual knowledge are under 18 years of age.

10. Changing Our Privacy Policy

Your use of any Site owned or operated by Edvisors indicates an acceptance of the terms of the Privacy Policy. Edvisors reserves the right to update or amend this Privacy Policy at any time to reflect our current privacy practices. Changes are effective upon posting of the revised Privacy Policy to the Site. If Edvisors decides to materially change this Privacy Policy, we may provide additional notice of the change such as through a prominent notice on the Site or by sending an email to registered users.

11. Retention

We retain your Personal Information for as long as we have a relationship with you. We also retain your Personal Information for a period of time after our relationship with you has ended where there is an ongoing business need to retain it. This includes retention to comply with our legal, regulatory, tax, and/or accounting obligations. Generally, we retain Personal Information for a period of time after our relationship with you has ended, but the term for which we retain your Personal Information may be longer or shorter depending on our relationship with you. We do so in accordance with our data retention policies and applicable law.

12. Disputes; No Rights of Third Parties

If you choose to access our Site or use any of our Services, any dispute over privacy is subject to our Terms of Use, including limitations on damages, resolution of disputes, and application of the laws of the United States and the State of Nevada. This Privacy Policy does not create rights enforceable by Third Parties.

If you have a disability that prevents or limits your ability to access this Notice, our Customer Service team will make efforts to provide you with an accessible version.

13. Questions Regarding Our Privacy Practices

If you still have questions, here are a few ways you can contact us:

Phone

(888) 972-1010

Email   [email protected]

Edvisors Network, Inc.

Attn: Customer Service

350 S. Rampart Blvd.

Suite 200

Las Vegas, Nevada 89145