Privacy Policy

Student Aid Services, Inc.

Effective Date: 02/01/2011

If you wish to opt out of any continued communication (direct mail, phone, fax, or e-mail communications), please e-mail your request to

1. Our Commitment to Privacy

Student Aid Services, Inc. ("SA") respects the privacy of our clients. As an individual who is a user of our website,, ("Site") or otherwise as a user of the Services provided by SA, you should know what information we collect from you, as well as how that information is used, disclosed, and protected. For the purposes of this Agreement, "Services" means the services provided by SA, or third parties designated by SA, through use of the Site or by phone, e-mail, or chat, in connection with the provision of student aid advisory or preparation services, including the preparation and completion of SA's College Cost & Planning Report® and the use of the College Suggestorâ„¢. This policy statement (the "Privacy Policy") explains our privacy practices and policies.

We encourage you to read this Privacy Policy carefully when using the Site and/or our Services. By using the Site, you are accepting the practices described in this Privacy Policy. If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

2. The Information We Collect and How We Collect It

We collect various types of information from our clients and users of the Site. We may collect personal information that can identify you, including, but not limited to, your name, e-mail address, address, phone number, and Social Security number. We also collect other personal information that you provide, such as date of birth, date you became a resident of your state, number of family members, number of family members in college, veteran status, equity, income, and other financial information, if applicable (such as credit card number or bank routing and account number), as well as other information that does not identify you. Some of this information is collected when you register for and opt to use one of our Services, while other information is collected automatically.

  1. Information You Provide.

    We may collect and store any personal information you enter on the Site or provide to us in some other manner, including information provided to us when you request to use any of our Services directly via the Site or through phone, or e-mail. On the Site, you may register for our Services for the purposes of creating an account within our database, as required for the Services you select, that may include such personal information as your name, e-mail address, Social Security number, income, and other financial information.

  2. Information About Others.

    We may also collect and store personal information that you provide to us about other people, including their name, address, phone number, Social Security number, financial information, or other personal information as required to carry out transactions and services you have requested.

  3. Information Collected Automatically.

    We automatically collect certain types of information from your browser when you visit the Site. For example, when you visit, our systems automatically collect your IP address and the type of browser you use, as well as the page or address that you may have clicked through to the Site. When you visit the Site, we may also assign your computer one or more cookies to facilitate access to the Site, to personalize your online experience, to record and analyze information about your visit to the Site, and to otherwise administer and improve the Site for your use. SA also contracts with third-party service providers who use cookie technology to track and analyze usage, to compile statistical information, and to monitor responses to e-mail and advertising campaigns on behalf of SA.

    A cookie is a small piece of information that is sent to your browser and stored in your computer's hard drive. The purpose of a cookie is to remember certain user inputs on the Site. Through the use of a cookie, we collect information about your online activity on the Site, such as the web pages you visit, the links or advertisements you click, or the other actions you take while on the Site.

    SA uses both "session" and "persistent" cookies on this Site. Session cookies are temporary bits of information that are erased once you exit your web browser or turn off your computer. Persistent cookies are more permanent bits of information that are placed on the hard drive of your computer and stay there unless you delete the cookie. They store information on your computer for a number of reasons, such as retrieving certain information you have previously provided (e.g., username and password), helping to determine what areas of the Site you find most valuable, and customizing the Site based on your preferences. Persistent or session cookies placed on your computer by this Site do not store any personal information.

    Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on the Site.

  4. Information Collected by Third Parties.

    We may allow third parties to display advertisements on our site. SA and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and connect to the Site. We do not provide any personal information to these third parties unless you have provided consent. This information allows SA and these companies to deliver targeted advertisements and gauge their effectiveness. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which offers a single location to opt out of advertisements targeting from member companies.

3. The Way We Use Information

We use the information you provide about yourself and others when subscribing to our Services to carry out any additional transactions you have requested and to provide you with our Services and support. We use the information collected to send communications to you, such as your account and transaction status. We may also use the information to provide you with information about other services available from SA, as well as promotional offers from third parties that we think will be of interest to you, and to request that you respond to a survey or fulfill certain other requests. We use e-mail addresses to (a) answer the e-mail we receive from you; (b) provide helpful reminder notices about the process of planning and paying for college; and (c) send you additional information about our and others' Services and other communications, as described below; (d) to bill you for goods and services. We may also use your home or business address or phone numbers provided by you to make similar notifications. We also use information we collect to customize, analyze, adjust, and improve the Site and Services (including any communications with you) to meet our users' needs and expectations. We use the information to enforce our Terms of Use and/or separate contracts (if applicable) with you. We use the information to prevent fraud and other prohibited or illegal activities. We may use the information for other legally permissible purposes.

Customer Testimonials

We post video testimonials that may contain personal information, such as your name. We do obtain the customer's consent prior to posting their video testimonial along with their name.

AddThis Widget
We use the AddThis widget to allow you to e-mail a friend about our site as well as to post a link to our site from other sites. We do not store any of the information that is collected within this widget. The AddThis privacy policy governs the collection and use of the information that is collected. Your friends' personal information is not stored in our database for any purpose.

4. With Whom We Share Your Information

We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on the Site or while using our Services. We will not sell, share, rent, or otherwise transfer your information, other than in accordance with the terms set forth in this Privacy Policy.

  1. Personal Information.

    We understand how important your personal information is to you and, except as otherwise expressly provided below, will not share any personal information without your consent. In connection with our Services, we request your consent to provide your personal information to third parties who have products, services, and opportunities that we believe may be of interest to you. In the event that you provide such consent, your personal information may be shared with colleges, universities, lenders, data aggregators, marketers, and other organizations, and SA may receive a fee for providing such personal information.

    Notwithstanding the foregoing, we may share all types of personal information, without your consent, as necessary:

    1. with our lawyers, accountants, auditors, and regulators.
    2. in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
    3. when we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of our company, our users, our employees, or others, and to preserve the security of our systems; to comply with applicable law or cooperate with law enforcement; to enforce the terms and conditions or other agreements or policies for the Site; or to collect payments you owe to us.
    4. in connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale, or in the event of bankruptcy.
    5. with third parties or corporate affiliates (e.g., the Department of Education, credit card processing, billing, shipping, marketing, web analytics, and web hosting services), which are required by contract to comply with this Privacy Policy, so that such third parties may assist us in providing Services to you, carrying out any transactions that you may request, and making our business more responsive to your needs.
  2. Anonymous, Aggregated, and Non-Personal Information.

    Regardless of your decision regarding the sharing of your personal information, we may share anonymous and aggregated information (i.e., information about you and other clients collectively, but not specifically identifiable to you) and other non-personal information we collect under any of the above circumstances. We may also share it with third parties to develop and deliver targeted advertising on the Site and on websites of third parties. We may combine non-personal information we collect with additional non-personal information collected from other sources. We may also share aggregated information with third parties, including advisors, advertisers, and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the number of visitors to the Site and the most popular features or Services accessed. This information does not contain any personal information and may be used to target advertising and to develop content for the Site and Services that we hope you and other users will find of interest.

5. Third-Party Websites

There are a number of places on the Site where you may click on a link to access other websites that do not operate under this Privacy Policy. For example, if you click on an advertisement or a search result on the Site, you may be taken to a website that we do not control. These third-party websites may independently solicit and collect information, including personal information, from you and, in some instances, provide us with information about your activities on those websites. We recommend that you review the privacy statements of all third-party websites you visit by clicking on the "privacy" link, which is typically located at the bottom of the webpage you are visiting.

6. Your Rights, Our Obligations

Our company respects the privacy of your personal information. If you tell us that you do not wish to have this information used as a basis for further contact with you, we will respect your wishes (except to the extent that we need to communicate with you about closing or settling your account with us). You can also choose not to provide us with certain information, but that may result in your being unable to use certain features of the Site, or our Services, because such information may be required in order for you to obtain Services from SA.

You may instruct SA to stop sending you certain promotional materials (e.g., e-mail messages, catalogues, postcards, and letters) by following the unsubscribe instructions provided in those materials. However, we may continue to contact you to provide service to your account.

If you wish to opt out of any continued communication (direct mail, phone, fax, or e-mail communications), please e-mail your request to We will process an opt-out request as soon as reasonably practicable. If you choose to opt out of further communications, we will keep your e-mail address, phone number, name, and physical address on file for the purpose of honoring your opt-out request. If you wish to opt-out from having your information used by other third parties you must contact that third party directly.

If you wish to speak to a representative about your privacy choices, please call 1.877.447.0589.

You may also write to us at:

Student Aid Services, Inc.
Attention: Privacy Administrator
9738 Lincoln Village Drive, Suite 130
Sacramento, CA 95827

7. Data Security

We maintain a variety of physical, electronic, and procedural safeguards designed to protect your personal information from unauthorized access and disclosure. For example, we use accepted tools and techniques to protect against unauthorized access to our systems. In addition, we work to protect the security of your personal information and sensitive information (such as credit card number and banking information) when utilizing a Service via the Site by using well-known Internet encryption technologies, such as Secure Sockets Layer (SSL). If you contact us by phone, we will endeavor to validate your identity prior to sharing any personal information about you. You should be aware that SA has no control over the security of other sites on the Internet that you might visit or interact with, or from which you may buy services, even when there is a link to said site from ours.

SA is a licensee of the TRUSTe Web Privacy Seal Program. TRUSTe is an independent organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers SA's website, Because SA wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this statement, you should first contact SA by calling us at 1.877.447.0589 or sending an e-mail to If you do not receive acknowledgement of your inquiry or if your inquiry has not been satisfactorily addressed, you should contact TRUSTe at TRUSTe will then serve as a liaison with SA to resolve your concerns.

We want you to feel confident using the Site. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches, or other communications will always remain secure. In the event of a breach of the confidentiality or security of your personal information, we will notify you as necessary so you can take appropriate protective steps. We may notify you under such circumstances using the e-mail address(es) we have on record for you, or if you did not provide an e-mail address, by regular mail. Users should also take care with how they handle and disclose their personal information. Please refer to the Federal Trade Commission's website at for information about how to protect yourself against identity theft. If you elect to have any personal information, including your College Cost & Planning Report®, sent to you by us via the United States Postal Service or a private package delivery service, instead of through a password-protected account on the Site, you do so at your own risk.

8. Our Services Are Not for Use by Children

The Site is a general audience site, and we do not knowingly market to, solicit information from or about, or accept service from children under the age of 13. If a child under 13 submits personal information to us through any part of our Site or Services, and we become aware that the person submitting the information is a child, we will attempt to delete this information as soon as possible. We require that only persons 18 years of age and older use our Site or our Services. If you are a person under the age of 18, please have your parent or guardian assist you in accessing our Site or using our Services.

9. How You Can Access or Correct Your Information

If our service to you includes a College Cost & Planning Report®, you will receive a copy of the information submitted by you in connection with our preparation and completion of said document. You may correct factual errors in your personally identifiable information contained therein, or otherwise maintained by us in connection with the Services provided, by calling us at 1.877.447.0589 or sending an e-mail to For more information about making changes to your personal information, please visit our Site.

We will take reasonable steps to verify your identity before granting access or making corrections. This may be done by verifying your Social Security number and/or date of birth, or by other means.

10. How Long We Keep Your Information

One feature of our service is that after submitting the requisite information the first time, we keep this information in our files, which speeds up the process for making subsequent requests for our Services. SA will maintain a client's records, including confidential Information, for a period of five (5) years following completion of the initial Services provided, or as otherwise required by law. If you have questions about the length of time your file is kept, please contact us by calling 1.877.447.0589 or sending an e-mail to

If you would like us to delete the information you have provided to us for use in connection with the Services, please contact us by calling 1.877.447.0589 or sending an e-mail to If you request that this information be deleted, we will require that you sign a waiver of liability in connection with your request, and we will keep your e-mail address, phone number, name, and physical address on file for the purpose of honoring your deletion request. We will process your request as soon as reasonable practicable.

11. Other Information About Our Privacy Practices

  1. California Residents.

    If you are a resident of California, in addition to the rights set forth in this Privacy Policy, you have the right to request information from us regarding the manner in which we share certain categories of personal information with third parties for their direct marketing purposes. As stated above, we do not share such information with such parties unless you have requested us to do so or have otherwise consented, and you retain the right to opt out of sharing your personal information for third-party marketing purposes.

  2. Visiting Our Website from Outside the United States.

    Our Site is hosted in the United States. Our Site and our Services are therefore governed by United States law. If you are visiting the Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our Services, you consent to your information being transferred to our facilities and to the facilities of those third parties with whom we share it, as described in this Privacy Policy.

  3. No Rights of Third Parties.

    This Privacy Policy does not create rights enforceable by third parties.

  4. Changes to this Privacy Policy.

    We will occasionally update this Privacy Policy to reflect changes in our practices and Services. When we post changes to this Privacy Policy, we will revise the Effective Date set forth above. If we make any material changes to our Privacy Policy, we will notify you by sending an e-mail to the e-mail address(es) provided to us in your account profile, by sending a notice via regular mail if you did not provide us with an e-mail address, and/or by prominently posting notice of the changes on the Site. We recommend that you check the Site from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.

Student Aid Services, Inc.
9738 Lincoln Village Drive, Suite 130
Sacramento, CA 95827