Last Updated and Effective Date: August 4, 2019
PeppyWallet.com is an education technology platform (the Site) for student loan borrowers and is owned and operated by PeppyWallet.com.
PeppyWallet.com does not voluntarily or knowingly use or collect any personally identifiable information (PII) from children under the age of 13, in accordance with privacy laws as stipulated in the Children's Online Privacy Protection Act. Additionally, no information of any kind should be submitted to or posted at the Site by visitors younger than the age of 13. Additionally, the Site does not knowingly provide any personally identifiable information, regardless of source, to any third party for any purpose from visitors younger than 13 years old.
Please note that this Site may contain links to other websites. We are not responsible for those websites or the privacy or content practices of any third party. By using our Site, you acknowledge that you have read this Policy and agree that you are bound by our Terms of Service.
You are not required to provide any personally identifiable information to visit the Site. We collect personally identifiable information only when you provide it, and you may be required to provide personally identifiable information to use certain services on the Site.
Personally Identifiable Information: We may collect personally identifiable information through any emails you may send us, that can identify you with information such as your name, address, telephone number, mobile number, and email address (collectively, "Personally Identifiable Information" or "PII"). You do not need to share any PII with us to use any core features of the Site (unless you wish to provide us with feedback via email).
Non-Personally Identifiable Information: We also collect information from third-party cookies such as data about your online activity, demographic data, and other information which could not be used to identify you (collectively, "Non-Personally Identifiable Information" or "NPII").
Please be aware that you may also submit personally identifiable information in other ways, including, but possibly not limited to: (a) participating in online surveys, promotions, (b) subscribing to newsletters or media content, (c) submitting reviews or other content to the Site, if applicable; and (d) in connection with other requests or services and products made available through the Site.
Information provided by you: We do not transmit or store your financial information from your browser to our servers. If you decide to email us, we could potentially store PII such as but not limited to your name and email address on our mail servers to communicate with you.
Cookies enable us to recognize you as a Site visitor, and to better personalize your experience. Various web beacon technologies and cookies, which could be placed by another third party tracking partner or us, can potentially offer us insight as to what advertising you may have been exposed to on the Site and how you interacted with it and in what context, and these events could allow us to offer you a more broader collection of advertising data and could also be used together to measure the efficacy and competence of any advertising campaigns through interactions.
You may disable or manage cookies through various tools provided with your browser software and also with other third-party software applications. If you decide to turn off cookies or disable or clear them, please be aware that some of the Site's features may not work as well as they would if you had not turned off cookies or cleared them or may potentially not even work at all such as key features from the Student Dashboard, which may include but are not limited to creating, updating and deleting loans.
Additionally, web beacons and related technologies, IP addresses and cookies are also used to gather data regarding various Site usage. This could include but is not limited to: which Web site you came from, how long you were on the Site, what pages of the Site you visit, what Web site did you go to, what type of browser you are using, and other analytics. These various types of web tracking technologies do not identify you personally. Web beacons and related technologies may potentially be included in emails sent by the Site in marketing or transactional emails in order to determine when and if these respective emails are forwarded to another individual or opened by the recipient.
The Google Analytics feature integrated and used on this Site includes remarketing display advertising, and Google and other third-party advertising agents could receive various statistical data through us for the purpose of targeting and managing advertisements on other websites and/or on our Site. Additionally, Site visitors can opt-out of receiving interest-based ads from Amazon by visiting the Amazon Advertising Preferences page or through visiting the Digital Advertising Alliance's opt-out page. Similarly, Site visitors can choose to opt-out of Google's cookies use through visiting Google's Google's Ad Settings.
Product Partners: When you submit an inquiry for a loan product or other financial service provided through this website, you agree that the product partners (collectively, "Product Partners") with which you are matched may potentially use or retain your Information whether you use their services or not. You should contact these Product Partners directly if you have any concerns regarding their information sharing and privacy practices.
We will not continue to send promotional communications if you have previously opted out. If you are interested in opting out, please email us at email@example.com. Any submitted information may be used for the following reasons:
To send promotional or marketing materials, unless you have indicated that you do not wish to receive such materials by opting out.
To improve your overall user experience.
To deliver the service products you requested.
To manage relationships with customers and other third parties to which the Site may disclose personally identifiable information such as in providing customer support or to provide reporting and analytical insight to customers.
For assisting in administering the Site and to provide key insight and analysis, research and development.
Data which may contain personally identifiable information is used by the Site for research and development and administration purposes, which could include click actions to assess interest in various tools and Site links and may also include IP Addresses.
We may from time to time include personal information in various blog posts or reviews, and to request the removal of this information, contact us at firstname.lastname@example.org. In certain situations if we are not able to remove your personal information from our content, we will inform you of the reasons.
If you request information or services through the Site, you agree that the Site may potentially share personally identifiable information that may be necessary to perform the requested services.
The Site reserves the right to release any personally identifiable information or other information you provide to third parties under the following circumstances: (a) when required by law or by legal process, (b) to protect the property or safety of our users or others, (c) to take action and/or investigate suspected illegal activity or unauthorized use of the Site's services suspected abuse, (d) in relation to the sale or transfer of ownership of all or a part of PeppyWallet.com or any of its businesses, and (e) to enforce our Terms of Service.
The Site works with third parties that provide services on its behalf, and the Site may ask that a third party conduct an online survey or send newsletters or advertising on its behalf. In these circumstances, the Site requires that the third party maintain your personally identifiable information as confidential and use the information only to perform the services specified by the Site and not for their own promotional purposes.
Although the Site will make attempts to notify all third-party direct marketers that the information provided to them is confidential, the subsequent use or disclosure of information is subject to those third parties' privacy policies and practices.
Please note that the messages that the Site sends to you in order to confirm, follow up or fulfill a certain request may potentially include promotional material or other content from the Site or its partners, in which case the Site is not sharing your personally identifiable information with those third parties.
The Site automatically collects information and could also customize your user experience through various methods, such as:
IP Address Logs: PeppyWallet.com may log the Internet Protocol (IP) address, or the location of your computer on the Internet.
Cookies: HTTP Cookies are small pieces of data which are placed on your computer by other computers (or servers) in order to identify your computer and record browser activity.
Web Beacon Technologies: Web beacons (also known as web tags, tracking pixels, page tags) are electronic tracking technologies integrated into a Web page to track various analytics.
The Site is governed by United States laws, and is intended only for the use of individuals who reside in the United States. We therefore make no representation that the Site is governed by or operated in accordance with the laws of any other nation.
©2019 PeppyWallet.com, 12847 Daylight Drive, 1215, St. Louis, MO, 63131.