Privacy Policy

Effective Date: 11/01/2012

PRIVACY POLICY

This web site and the various content, features and services offered on this web site (collectively, the "Site") is owned and/or controlled by Find My Degree Program. d/b/a Find My Degree Program ("Find My Degree Program" or "we"). The Site provides access to Find My Degree Program's online service that enables you to get matched with participating providers of products or services in which you are interested, and then receive offers for and other information about those products and services from those providers (the "Service"). Such providers of goods and services that are participating in the Service may be referred to as "Providers".

Find My Degree Program recognizes the importance of online privacy to our users, so we have established this Privacy Policy to let you know what Personal Information (as defined below) and other information we may collect from you and how we may use and share that information. Unless expressly stated otherwise in this Privacy Policy, this Privacy Policy applies only to information that we collect on the Site and does not apply to information that we may collect by other means. Furthermore, this Privacy Policy applies only to information collected by us or on our behalf from our users.

Please take a moment to review the terms of our Privacy Policy. By using the Site, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site or the Service.

Nature of Find My Degree Program's Service

Please keep in mind that the goal of the Service is to create a marketplace where you can be quickly and easily matched with Providers of the goods and services in which you are interested and from whom you may receive offers for and other information about those goods and services. The Service will save you the time involved in having to find service providers that match your interests on your own. In order to do this, we will need to collect certain information from or about you and share that information with Providers. Providers may require additional information from or about you as well. Depending on the type of products or services in which you are interested, this information may include certain financial information. Thus, while we respect your privacy, the very nature of the Service involves our collection of personal information, disclosure of that information to third parties and communications to you from us and/or third parties.

Your California Privacy Rights

The following only applies to California residents who have an established business relationship with Find My Degree Program.

If we collect your name or other Personal Information from you (whether online or offline), and if you have given us permission to share your Personal Information by clicking on the appropriate box or button on the Site, we may occasionally make that Personal Information available to our parent company or other affiliated entities or to third party businesses for their direct marketing purposes so that they can let you know about products or services that may be of interest to you. If you later decide that you do not want us to share your Personal Information with these entities for their direct marketing purposes, you may opt out of such sharing in the future by contacting support@insuredyes.com . Your opt-out request will be processed within thirty (30) days of the date on which we receive it. For more information on how your Personal Information is collected, used and shared, please read the remainder of this Privacy Policy.

Personal Information

Information We May Collect
Personal Information means any information that may be used to idenffftify an individual, including, but not limited to, a first and last name, a home or other physical address, a phone number or an e-mail address. In order to use the Service, and thus request that Providers contact you with offers for or information about the products or services that you indicate, you will need to provide Find My Degree Program with Personal Information such as your name, e-mail address, phone number and postal code.

The Site may include information, services or other features in addition to the Service, such as the ability to participate in special offers, sweepstakes or other promotions, create an account, complete optional surveys (which we may make available to you on the Site or by e-mail) or send questions or comments to us via e-mail. We may ask you to provide certain Personal Information to access such features.

Depending on the type of products or services in which you are interested, we may collect from you certain demographic and financial information, information about your interests and preferences and/or other information about you (collectively, "Additional Information"). For example, we may collect information such as your age or dateof birth, gender, zip code, household income, For the Service, this Additional Information will allow you to be better matched with Providers and may present you with more or better competing and personalized offers. If you choose to provide us with any non-Personal Information in an optional survey, we will treat that information as Additional Information. When we use Additional Information in combination with any Personal Information, then such Additional Information will be treated as Personal Information under this Privacy Policy.

We may sometimes receive information about you from our service providers or other business partners, outside web sites or other third parties. For example, as part of our standard process of verifying that the information you provide to us is accurate and that your request for offers from Providers is legitimate, we may receive additional information about you from a third-party data compilation agency. We may supplement or compare information that you provide to us on the Site with such information from third parties. Our use of such information from third parties in combination with information that we collect from you on the Site will comply with the terms of this Privacy Policy.

How We May Use Your Information
Once you submit the initial Personal Information and any other information that we require for use of the Service, we may retain and use that information for several purposes related to the Service, including:

1. We may use such information in order to verify that such information is accurate and that your request for offers from Providers is legitimate.
2. We may use the e-mail address that you provide to send a transactional e-mail to you, re-confirming for you those matching Providers who may be contacting you with offers, information or other services (by phone, e-mail or other communication). We may also use the e-mail address that you provide to send a follow-up customer experience survey to ensure the Service meets your expectations and that Providers respond to you in the manner in which you expect.
3. We may e-mail or call you: (i) to clarify any questions; (ii) to obtain additional information relating to your request and the products or services for which you requested to receive offers from Providers; and/or (iii) to advise you of additional products or services for which you may be interested in receiving offers. Please note that the number or relevance of offers that you receive from Providers may be affected if you do not consent to our contacting you to obtain such additional information. Any information that we collect from you by such means will be treated as though we had collected it on the Site.
4. If you consent (by checking the appropriate box when filling out a form or subscribing at the Site) to receiving communications from us by e-mail or regular mail, such as updates, special offers or other information related to the Site or the Service or special offers from our promotional partners, we may send you such communications periodically. If you subsequently wish to opt out of receiving e-mails from us at any time, simply follow the instructions for doing so included in the e-mails. We reserve the right to send you certain communications relating to the Site or Service, such as service announcements or administrative or transactional messages, without offering you the opportunity to opt-in to or opt-out of receiving them.

In order to submit your initial information to Find My Degree Program and use the Service, you will need to consent (by checking a box on the information form) to being contacted by Find My Degree Program and by those matching Providers who may contact you in connection with your request to receive offers, as further described in this Privacy Policy. Please note that by providing this consent, you may be contacted by telephone by Find My Degree Program and such Providers notwithstanding any previous request you may have made to be placed on any national, state or company-specific do-not-call lists.

We may use your Personal Information in order to fulfill or respond to any additional services or information that you may request, such as creating an account for you, responding to your questions or entering you into a sweepstakes. We may also use Personal Information to ensure compliance with our policies and applicable law.

With Whom We May Share Your Information
Once you have confirmed that you wish to receive offers from Providers who provide the type of products or services you have identified in your request, eligible Providers will then compete for the right to submit offers to you. We will share the Personal Information and other information that we have collected from you with some or all of these competing Providers. The number of Providers with whom you will be matched (that is, the number with whom we will share your information) will be determined by the Service and disclosed to you on the Site where you will be submitting your Personal Information. However, the number of Providers with whom you will be matched will be at least two whenever possible.

After these matched Providers receive your information from us, they may contact you directly via phone, e-mail or other communication to obtain additional information related to your request, to submit their offers related to your request and/or to perform any customary follow-up services. They may also use such information to obtain any additional information about you from third parties that they deem necessary in determining the terms of their offer or whether or not to make an offer. We will endeavor to ensure that such Providers do not use the Personal Information about you that they obtain from us for any other purposes. However, we cannot make any guarantees regarding Providers' use of such information and cannot be held responsible if they do use such information for such other purposes. In addition, any Provider whose offer you accept or with whom you otherwise enter into a transaction shall be free to keep, use and share your information that such Provider obtains from us as though such Provider had collected such information directly from you. We have no control over, or responsibility for, the use of any information that you may provide directly to a Provider, or any information that a Provider obtains from third-party sources, and any such information will not be subject to the terms of this Privacy Policy. Any such information will be subject to the privacy policies of such Provider, and we encourage you to review the privacy policies of Providers before providing any information to them.

In certain circumstances, a Provider with whom we share your information may actually be a broker rather than a direct provider of the products or services that you would like to receive. In such a case, we will grant the broker permission to share the information about you that we provide to the broker with one direct provider of such products or services. Such direct provider will then be considered the actual Provider for purposes of this Privacy Policy and may use your information and contact you as set forth herein. We will endeavor to ensure that the broker will not use your information for any other purposes, and we will not grant the broker permission to contact you directly. However, we cannot make any guarantees regarding a broker's use of such information and cannot be held responsible if the broker does use such information for such other purposes.

You may come to the Site from an online banner ad, link or similar source located on a third-party web site. The owner or operator of that web site will not have access to the Personal Information that you submit to Find My Degree Program on the Site (unless, only as permitted under this Privacy Policy, Find My Degree Program shares such information with such party).

We may sometimes use other businesses to perform certain services for us, such as providing full-service management of Provider accounts, managing our online advertising campaigns, performing data verification and other data processing, facilitating transactional e-mail distribution, maintaining the Site and our mailing lists, sending postal mail (if necessary) and providing marketing assistance and data analysis. We may provide Personal Information to those businesses when that information is necessary for them to complete a requested transaction or otherwise perform their duties. Third party service providers are contractually obligated to protect Personal Information on Find My Degree Program's behalf.

In addition, for non-California residents, if you have given us permission to share your Personal Information by clicking on the appropriate box or button on the Site, we may occasionally make that Personal Information available to our parent company or other affiliated entities or to third party businesses for their direct marketing purposes, so that they can let you know about products or services that may be of interest to you. If you later decide that you do not want us to share your Personal Information with these entities for their direct marketing purposes, you may opt out of such sharing in the future by emailing support@getheknow.com.

As Find My Degree Program develops, we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that Find My Degree Program or all of its assets are acquired, customer information would be one of the transferred assets.

We reserve the right to disclose visitor information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other visitors, Providers, our partner web sites or anyone else that could be harmed by such activities. We also reserve the right to disclose visitor information when we believe in good faith that the law requires it.

Aggregate Information

From time to time, we may collect general, non-personal, statistical information about the use of the Site and the Service, such as how many visitors visit the Site, how they get to the Site, how long they stay there and which hyperlinks, if any, they "click" on. We collect this information through the use of "cookies" and other tracking technologies, which are discussed in greater detail below. We collect this information in order to determine which areas of the Site are most popular and to enhance the Site and the Service for visitors. We may group this information into aggregate visitor data in order to describe the use of the Site and the Service to our existing or potential business partners, advertisers, Providers or other third parties, or in response to a government request. We may also group Additional Information that we collect from visitors into aggregate data for the same purposes. However, please be assured that this aggregate data will in no way personally identify you or any other visitors to the Site.

Cookies and Other Tracking Technologies

Some of our web pages utilize "cookies" and other tracking technologies. A cookie is a small text file that a web site transfers to an individual's hard drive for record-keeping purposes. For example, we may use cookies to collect information about web site activity. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. However, please be aware that some features of the Site may not function properly or may be slower if you refuse cookies. You may occasionally get cookies from our advertisers or other third parties with links on the Site. We do not control these cookies. The use of advertising cookies sent by third party servers is standard in the Internet industry.

Tracking technologies may record information such as Internet domain and host names; Internet protocol (IP) addresses; browser software and operating system types; clickstream patterns; and dates and times that our Site is accessed. An IP address is a number that is automatically assigned to your computer whenever you are surfing the web. Web servers, the big computers that "serve up" webpages, automatically identify your computer by its IP address. If you come to the Site from an online banner ad, a link on a third-party web site or a similar source, an anonymous identification number may be passed to the Site. This information cannot be used to gather any personally identifiable information about you. It will only allow us to track the overall effectiveness of our online advertising campaigns.

It is not our practice to link the information we record using cookies or other tracking technologies to any Personal Information you submit while on the Site. However, we reserve the right to use cookies, IP addresses and other tracking technologies to identify a visitor only when we feel it is necessary to enforce compliance with the Site's policies, to protect the Site, the Service, our customers or others, or when we believe in good faith that the law requires it.

Links to Other Sites

Please be aware that when you are on the Site, you could be directed to other sites that are beyond our control. These other sites may send their own cookies to visitors, collect data or solicit Personal Information. The privacy policies of these other sites may be significantly different from this Privacy Policy. We are not responsible for the privacy practices of these other sites and cannot guarantee the security of any of your Personal Information collected there.

Security

We intend to take reasonable and appropriate steps to protect the Personal Information that you share with us from unauthorized access or disclosure. When you transmit Personal Information from your PC to our servers, your information is protected by both a "firewall" (a combination of computer hardware and software that helps keep unauthorized visitors from accessing information within our computer network) and industry standard SSL (secure socket layer) encryption. Unfortunately, no data transmission over the Internet can be guaranteed to be 100 percent secure. As a result, while we strive to protect your Personal Information and privacy, we cannot guarantee or warrant the security of any information you disclose or transmit to us online and cannot be responsible for the theft, destruction, or inadvertent disclosure of your Personal Information.

If we provide visitors with the ability to create an account on the Site and you create such an account, you may be asked to choose a password for your account, in which case access to your account shall be protected by your password. We recommend that you do not disclose your password to any other person. You are responsible for maintaining the confidentiality of your password and account, and are fully responsible for all activities that occur under your password or account. If you create an account on the Site, you may view and update your account information at any time by logging into your account.

Children's Privacy

The Site and the Service are not intended for use by children under 13. We do not knowingly collect Personal Information from anyone under 13 years of age. If you are under 13, please do not submit any Personal Information on the Site.

Changes to Our Privacy Policy

The terms of this Privacy Policy may change from time to time. We will notify you of any material changes to this Privacy Policy by posting a notice on the homepage of the Site for a reasonable period of time after such changes are made that this Privacy Policy has been updated, and by changing the "Last Modified" date at the top of this Privacy Policy. We encourage you to check this page periodically for any changes. Your continued use of the Site following the posting of changes to these terms will mean you accept those changes.

Governing Law

This Privacy Policy and the privacy practices of Find My Degree Program will be subject exclusively to the laws of the State of California, County of Los Angeles. Find My Degree Program makes no representation that this Privacy Policy and such practices comply with the laws of any other territory. Visitors who use the Site or the Service and reside outside the United States do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. If you reside outside the United States, by using our Site or the Service, you consent to the transfer and use of your information outside your country.

CONTACTING US

If you have any questions, comments, or concerns about Company or this Privacy Policy, please contact us directly.

CosDr.com
1801 E 51st Street
Suite 365-295
Austin, TX 78723