Privacy Policy


At PTASchools.com, we continue to develop technological enhancements for students, families, schools and our partners. We are committed to excellence in customer service, and your privacy is important to us. This is the Privacy Policy for all PTASchools.com websites, including the website currently located at www.PTASchools.com (collectively "Site" or "Sites"). We have prepared this Privacy Policy to explain how we collect, use, and protect Personal Information (defined below) and Non-Personal Information (defined below) when you use the Site and your choices for managing your information preferences. By using the Site, you signify your assent to this Privacy Policy and the Site's Terms of Use.

This Privacy Policy is effective on January 1, 2013.

Personal Information
PTASchools.com does not collect information that personally identifies you, such as your name, address, email address, social security number and similar identifying information ("Personal Information"), unless you expressly provide it to us through one of our online services. If you choose to register on a Site in order to utilize an online service that requires you to log in, PTASchools.com may collect basic Personal Information.

The Site enables you to voluntarily provide Personal Information to third parties such as college or university admissions departments. If you choose to submit an online loan application, we may collect information such as your Social Security Number, and that of your endorser or co-borrower, if applicable, date of birth, driver's license number, phone number, and references required for the completion of a student loan application.

Non-Personal Information
We automatically collect information that does not reflect or reference an individually identifiable user to help us understand how our users use the Site. Like most websites, we automatically collect and use the data contained in log files. The information in the log files may include your IP (internet protocol) address, your ISP (internet service provider), the Web browser you used to visit the Site, the time you visited the Site, which Web pages you visited on the Site, and other anonymous Site usage data. We call this type of information "Non-Personal Information."

AdRoll Retargeting
As you browse PTASchools.com, advertising cookies will be placed on your computer so that we can understand what you are interested in. Our display advertising partner, AdRoll, then enables us to present you with retargeting advertising on other sites based on your previous interaction with PTASchools.com. The techniques our partners employ do not collect personal information such as your name, email address, postal address, or telephone number. You can visit this page to opt out of AdRoll’s and their partners’ targeted advertising.

Cookies and Web Beacons
We use cookies (a small file containing a string of characters that uniquely identifies your Web browser) and Web beacons (an electronic file placed within a Web site that monitors usage). We use cookies and Web beacons to improve the quality of the Site. Most Web browsers are initially set up to accept cookies, but you can reset your Web browser to refuse all cookies or to indicate when a cookie is being sent. However, certain features of the Site may not work if you delete or disable cookies. Certain of our Service Providers (defined below) may use cookies and Web beacons in connection with the services they perform on our behalf, including, without limitation, marketing and advertising campaigns.

How we use Personal Information and Non-Personal Information
We use Personal Information and Non-Personal Information for internal purposes, such as to notify you of new products or services, to send service notifications, to customize the advertising and content you see, to fulfill your requests for products and services, to improve the Site, to conduct research, to solicit your feedback and input about the Site, and to provide more relevant products, services, and advertisements on or through the Site. Personal Information and Non-Personal Information may be combined with data collected from other sources so that we may further improve the relevance of products, services, and advertisements offered on or through the Site.

Unless you provide us consent, information you provide to be shared with colleges, universities or lenders will not be provided by PTASchools.com to any third party other than the colleges, universities that you select or to prospective lenders, or to third parties acting on their behalf. The selected colleges, universities or lenders or such third parties acting on their behalf will be communicating with you, and their use of your data is governed by their privacy policies.

From time to time, we might establish a business relationship with other persons or entities whom we believe trustworthy and whom we have asked to confirm that their privacy practices are consistent with ours ("Service Providers"). For example, we may contract with Service Providers to provide certain services, such as credit card processing, advertising, analytics tools, widget providers, data management services, Web hosting, and Web development. We provide our Service Providers with the information reasonably necessary for them to perform these services. Each Service Provider must agree to implement and maintain reasonable security procedures and practices appropriate to the nature of the information involved in order to protect your information from unauthorized access, destruction, use, modification, or disclosure.

We may use, and disclose to third parties, certain Non-Personal Information regarding the Site (e.g., number of visits, page views, number of registered members who reside in a particular geographic location, etc.). However, such information does not identify you individually.

We may work with third-party marketing and advertising companies including Yahoo! Inc. and Google Inc. which may use information about your visit to the Site in order to provide advertisements about goods and services that may be of interest to you on the Site and on third-party websites. From the Site, these companies may place or recognize a unique cookie on your computer or use other technologies such as Web beacons or pixel tags. Our Privacy Policy does not cover any use of information that a third-party advertisement serving company may collect from you. For more information about ad cookies and companies that provide users the ability to "opt-out" of the collection of information from such cookies, please click here.

We may share Personal Information and Non-Personal Information with entities controlling, controlled by, or under common control with PTASchools.com. In the event that PTASchools.com is merged, sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer Personal Information and Non-Personal Information in connection with such transaction.

In certain instances we may disclose Personal Information and Non-Personal Information when we believe it is necessary to identify, contact, or bring legal action against persons or entities in order to protect PTASchools.com or our users or when we believe that the law or legal process requires such disclosure.
Communication Tools; Public Areas

If you elect to use our referral service for informing a friend about one of our Sites, PTASchools.com will automatically send your friend a one-time e-mail inviting them to view the article that you are sending them. PTASchools.com does not store this information, and it is for the sole purpose of sending the one-time e-mail.

Please be advised that, whenever you voluntarily post information to any community or interactive areas of the Site, such information can and may be accessed by the public. This means that any person or entity with access to such information can potentially use it for any purpose, including sending unsolicited communications.
Confidentiality and Security

Information collected on or through the Site is stored on servers using encryption technology. For security in-house, security procedures are in place to prevent unauthorized access to any user information. However, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect information transmitted on or through the Site, we cannot and do not guarantee or warrant the security of any information you transmit on or through the Site, and you do so at your own risk.
Passwords

Children's Privacy Statement
We do not knowingly collect Personal Information from children under the age of 13. If we become aware that we have inadvertently received Personal Information from a child under the age of 13, we will delete such information from our records.

Changes to this Privacy Policy
PTASchools.com may, from time to time, amend this Privacy Policy by posting the amended Privacy Policy on the Site. Your continued use of the Site constitutes your agreement to abide by the Privacy Policy as changed. If you object to any such changes, your sole recourse shall be to cease using the Site.

Contact information
If you have any questions about this policy please contact:
Consumer Privacy
PTASchools.com
info @ PTASchools.com

Terms of Use

These Terms of Use govern your use of all PTASchools.com websites, including the website currently located at www.PTASchools.com (collectively "Site" or "Sites"). Please read these Terms of Use carefully before using the Site. By using the Site, you signify your assent to these Terms of Use. If you do not agree to these Terms of Use, you may not use the Site.

These Terms of Use are effective on June 1, 2010..

1. Ownership
The content on the Site, other than User Content (defined below) and certain publicly available information, including, without limitation, text, software, scripts, graphics, photos, sounds, music, videos, interactive features, and the like ("Content") and the PTASchools.com word marks and PTASchools.com design marks, as well as certain other of the names, logos, and materials displayed on or through the Site that constitute trademarks ("Marks") are owned by or licensed to PTASchools.com and are subject to copyright, trademark, and other intellectual property rights under U.S. and international laws.

2. Use of the Site and Content
You agree not to reproduce, duplicate, copy, sell, resell, or exploit for any purposes the Site, or any portion of the Site, including, without limitation, Content and Marks, except as authorized by these Terms of Use or as otherwise authorized in writing by PTASchools.com and its applicable licensors. The Site is provided for your personal, non-commercial use only. You must abide by all copyright notices, information, or restrictions contained in or associated with any Content. You agree that PTASchools.com may use any information PTASchools.com obtains about you in accordance with the provisions of PTASchools.com's Privacy Policy.

Prohibited content and activities include, without limitation, the following:

(a) violating any local, state, national, or international law or regulation;

(b) transmitting any material that is abusive, harassing, tortious, defamatory, vulgar, pornographic, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable;

(c) transmitting any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation;

(d) knowingly transmitting any material that contains adware, malware, spyware, software viruses, or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;

(e) stalking, harassing, or harming another individual;

(f) impersonating any person or entity, or otherwise misrepresenting your affiliation with a person or entity;

(g) interfering with or disrupting the Site or servers or networks connected to the Site, or disobeying any requirements, procedures, policies, or regulations of networks connected to the Site; and

(h) launching any automated system, including, without limitation, "robots," "spiders," "offline readers," etc., that accesses the Site in a manner that sends more request messages to the Site in a given period of time than a human can reasonably produce in the same period by using a conventional Web browser.

3. User Content
The Site may enable you to submit your personal content to the Site for hosting, display, and distribution to other users of the Site (collectively "User Content"), such as posting messages and other content to community and interactive areas of the Site. When you provide PTASchools.com with User Content, you hereby grant to PTASchools.com and its affiliates, representatives, and assigns a non-exclusive, worldwide, fully paid, royalty free, transferable, sub-licensable, license and permission to display, publicly perform, distribute, store, transcode, syndicate, broadcast, transmit, reproduce, edit, modify, create derivative works, and otherwise use and reuse your User Content (or any portions or derivative works thereof) in any manner, in any medium, for any purpose. You acknowledge and agree that you have no expectation of compensation or confidentiality of any nature with respect to any Submission. User Content may be available to other users of the Site. PTASchools.com reserves the right to display advertisements in connection with your User Content and to use your User Content to advertise and promote your User Content, the Site, and PTASchools.com. PTASchools.com reserves the right to modify User Content in its sole and absolute discretion. PTASchools.com is not required to host, display, or distribute any User Content, and may delete, move, or edit User Content at any time.

PTASchools.com does not, as part of a regular, established practice, monitor, control, or have knowledge of any User Content transmitted on or through the Site. You agree that you are solely responsible for all User Content you transmit and receive on or through the Site.

You represent and warrant that:

(a) you own all rights in your User Content (including, without limitation, all rights to the audio, video, or digital recording, and the performance contained in your User Content) or, alternatively, you have acquired all necessary rights in your User Content to enable you to grant to PTASchools.com the rights in your User Content described herein;

(b) you have paid and will pay in full all license fees, clearance fees, and any other financial obligations, of any kind, arising from any use or commercial exploitation of your User Content;

(c) you are the individual pictured or heard in your User Content, or, alternatively, you have obtained permission from each person (including consent from parents or guardians for any individual under the applicable age of majority) who appears or is heard in your User Content to enable you to grant the rights to PTASchools.com described herein;

(d) you will make such permissions available to PTASchools.com upon request; and

(e) your User Content do not infringe the intellectual property rights, privacy rights, publicity rights, or any other legal or moral rights of any third party.

You agree to keep all records necessary to establish that your User Content do not violate any of the foregoing representations and warranties and to make such records available to PTASchools.com upon PTASchools.com's request.

4. Feedback
You further agree that PTASchools.com and its affiliates are free to use for any purpose whatsoever, ideas, know-how, concepts, techniques, comments, criticisms, reports, or other feedback other than User Content ("Feedback"), whether oral or written, that you may send toPTASchools.com or its affiliates. You acknowledge and agree that you have no expectation of compensation or confidentiality of any nature, and that PTASchools.com has no duties to you, with respect to such Feedback.

5. Digital Millennium Copyright Act
PTASchools.com respects the intellectual property rights of others. Upon proper notice, PTASchools.com will remove User Content or other applicable content that violate copyright law and terminate the accounts of repeat infringers. Pursuant to 17 U.S.C. § 512, PTASchools.com has implemented procedures for receiving written notification of claimed copyright infringement and for processing such claims in accordance with such law. If you believe your work has been copied in a way that constitutes copyright infringement, please send PTASchools.com's copyright agent (listed below) a notification of claimed infringement with all of the following information:

(a) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works;

(b) identification of the claimed infringing material and information reasonably sufficient to permit PTASchools.com to locate the material on the Site;

(c) information reasonably sufficient to permit PTASchools.com to contact you, such as an address, telephone number, and, if available, an email address;

(d) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright PTASchools.com, its agent, or the law;

(e) a statement by you, made under penalty of perjury, that the above information in your notification is accurate and that you are the copyright PTASchools.com or authorized to act on the copyright PTASchools.com's behalf; and

(f) your physical or electronic signature.

Please send all of the above enumerated information to the following PTASchools.com email:

[email protected]

Please do not send notices or inquiries unrelated to alleged copyright infringement to PTASchools.com's contact email.

6. Links to and from other Websites
The Site may provide, or users of the Site may provide, links to other websites or resources. Because we have no control over such third-party websites and resources, you acknowledge and agree that PTASchools.com is not responsible for the availability of such websites or resources, and PTASchools.com does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources. You further acknowledge and agree that PTASchools.com shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, products, or services available on or through any such website or resource.

7. Disclaimer
YOU EXPRESSLY AGREE THAT USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, PTASchools.com AND ITS AFFILIATES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE (INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, AND NON-INFRINGEMENT). PTASchools.com AND ITS AFFILIATES MAKE NO REPRESENTATION OR WARRANTIES ABOUT THE ACCURACY OR COMPLETENESS OF CONTENT AVAILABLE ON OR THROUGH THE SITE OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY:

(a) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT;

(b) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE SITE;

(c) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR ANY AND ALL PERSONAL INFORMATION OR FINANCIAL INFORMATION STORED THEREIN;

(d) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE;

(e) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY; AND

(f) FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, E-MAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE ON OR THROUGH THE SITE.

PTASchools.com AND ITS AFFILIATES DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE OR ANY LINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND PTASchools.com AND ITS AFFILIATES WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD PARTY PROVIDERS OF PRODUCTS OR SERVICES. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE ARISING THEREFROM. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM PTASchools.com OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

8. Limitation of Liability
YOU UNDERSTAND THAT TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL PTASchools.com OR ITS OFFICERS, EMPLOYEES, DIRECTORS, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE UNDER ANY THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STATUTORY, OR OTHERWISE) FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF SUCH PARTIES WERE ADVISED OF, KNEW OF, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM YOUR (OR ANYONE USING YOUR ACCOUNT'S) USE OF THE SITE.

9. Exclusions and Limitations
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations and disclaimers may not apply to you. To the extent PTASchools.com may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of PTASchools.com's liability shall be the minimum permitted under such applicable law.

10. Indemnity
You agree to indemnify, defend, and hold harmless PTASchools.com, its parents, subsidiaries, affiliates, officers, directors, employees, consultants, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys' fees and costs) that such parties may incur as a result of or arising from (a) any information or content you (or anyone using your account) submit, post, or transmit on or through the Site; (b) your (or anyone using your account's) use of the Site; (c) your (or anyone using your account's) violation of these Terms of Use; or (d) your (or anyone using your account's) violation of any rights of any other person or entity, including, without limitation, any copyright, patent, trademark, trade secret, other intellectual property, or proprietary rights of any person or entity. PTASchools.com reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with PTASchools.com in asserting any available defenses.

11. Force Majeure
Without limiting the foregoing, under no circumstances will PTASchools.com be held liable for any delay or failure in performance due in whole in or in part to any acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, software bugs, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, earthquakes, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

12. Termination
If you violate any of these Terms of Use, your permission to use the Site and the Content automatically terminates.

13. Modifications to the Site
PTASchools.com reserves the right to modify or discontinue the Site with or without notice to you. PTASchools.com shall not be liable to you or any third party should PTASchools.com exercise its right to modify or discontinue the Site.

14. Other Provisions
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Kansas, without giving effect to any conflict of laws rules or provisions. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the Site shall be filed only in the state or federal courts located in Kansas and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these Terms of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions. The failure of PTASchools.com to enforce any right or provision of these Terms of Use will not be deemed a waiver of such right or provision. These Terms of Use, together with PTASchools.com's Privacy Policy and any other rules or guidelines posted in connection with the Site, are the entire and exclusive agreement between PTASchools.com and you regarding the Site, and these Terms of Use supersede and replace any prior agreements between PTASchools.com and you regarding the Site.

15. Terms of Use Changes
PTASchools.com may, in its sole and absolute discretion, change these Terms of Use from time to time. PTASchools.com will post a copy of the Terms of Use as changed on the Site. Your continued use of the Site constitutes your agreement to abide by the Terms of Use as changed. If you object to any such changes, your sole recourse shall be to cease using the Site.