we collect, use, communicate and disclose and make use of personal information. The RaptorFi service is provided by
College Raptor, Inc. (“Raptor”). Raptor collects a variety of information in order to provide the highest quality
service to our users. We want you to understand what information we gather from or about you, how we use it and the
safeguards we have in place to protect it. This Privacy Notice applies to RaptorFi and all other Raptor controlled
web sites and applications that link to this policy (the “Services”).
and all of its dispute resolution provisions, including arbitration, limitation on damages and choice of law.
Please read this Privacy Notice and the Terms
of Service carefully to understand our policies and practices regarding your personal information and how we
will treat it.
Terms of Service
By accessing the RaptorFi web site, or any other site or domains under the control of Raptor, you are agreeing to be
bound by our Terms of Service. Click here
to view our Terms of Service.
What We Collect
Depending which of the Services you are visiting or using, we may collect various types of information from and
about you, including information that can personally identify you. This information includes, but is not limited to:
- your name
- postal address
- email address
- telephone number
- demographic information
- education information
- financial information
- information about any transaction you conduct or submit to on or through the
- other information that would allow online or offline contact with you as an
individual (collectively, “Personal Information”).
We also collect Usage Information (as defined below) and other information from and about you that does not
personally identify you or allow us or others to contact you individually online or offline. We may combine
information which is not Personal Information (“Non-PII”) with other information in a way that allows you to be
identified or personally contacted. If this happens, we will treat the combined information as Personal Information.
We may also collect information that you provide to us about other people, including, but not limited to, their
names, postal addresses, telephone numbers, mobile numbers, email addresses, and financial details for purposes of
fulfilling the purposes for which you provide such information.
We may collect information from or about you in the following ways:
Information Provided by You. We collect information provided by you when you (1) inquire about or obtain our
services or products; (2) communicate with us or request information about or from us, whether via email or other
means; (3) fill out forms or fields on the Services; (4) register as a user or sign-up for any of our newsletters,
materials or services through the Services; (5) enter into online transactions; (6) create profiles; (7) provide
feedback or participate in online surveys or questionnaires; (8) input information into our interactive programming
features; (9) participate in any of our marketing initiatives, including contests, scholarship offers, events, or
promotions; and (10) post to the Services or provide user-generated content or submissions to us, including without
limitation media files, photos, videos, documents or other information, and contributions to a chat room, list
serve, blog, or other open forum or community feature that we make available on the Services (“User Contributions”).
Information from Other Sources. We may collect information about you from other services that we may provide, our
affiliates, third-party or public sources (such as from public forums, social networks, and blogs), other users of
the Services, and our business partners.
Automatic Information Collection. We and our service providers use automatic data collection technologies to collect
and store Usage Information (as defined below). We also may allow third-party advertising companies and ad networks
to use automatic data collection technologies to collect Usage Information for purposes of providing interest based
ads. See the Automatic Information Collection Technologies and Usage Information and the Third-Party Advertisers and
Interest-Based Ads sections for more information.
How We Use the Information That We Collect
In order to provide you with the best user experience, we may use your information, including Personal Information,
- Provide products and services requested by you;
- Provide customer support, including responding to your requests and questions and troubleshooting and
resolving problems or complaints;
- Verify the information you provide to us;
- Communicate with you;
- Confirm your identity and eligibility to use the Services;
- Establish and manage your account;
- Perform research and analysis to develop and improve the Services and other products and services that we may
- Understand and anticipate your use of or interest in, our products, services, and content, and the products,
services, and content offered by others;
- Develop and display products, services, and content tailored to your interests on the Services and other
- Measure the overall effectiveness of our online advertising, content, and programming, and other activities;
- Offer you personalized information and products, services, promotions, contests, or scholarships of ours, our
affiliates, or our third-party business partners that may be of interest to you;
- Manage our business and operations;
- Protect the security and integrity of the Services;
other applicable agreements and policies;
- Fulfill any other purposes for which you provide your information and for any other purpose as described to
you at the time your information is collected or for which your consent is given.
Our Sharing Practices
We may disclose or share other information from or about you, including your Personal Information, as follows:
With any Raptor business or our affiliated companies (i.e., companies that control, are controlled by, or are under
common control with us) for support of our internal and business operations, for cross-marketing purposes, or in
connection with a request made by you or your opt-in or consent. However, unless you are otherwise first given
notice through an opt-in option or otherwise, the evaluation of any request or application by you for any of our
products or services offered through our web sites will be based on the information you specifically submit to
obtain such product or service and not any other information you may submit to us for other purposes or for other
products or services we may offer (except for your sign-in, basic account registration information, and any other
information that we may pre-populate on your request or application form for your convenience).
With our non-affiliated third-party business partners, service providers, and vendors to enable them to assist us in
providing you the products or services you request through the Services or to provide us with support for our
internal and business operations, such as data processing, data storage, research, analytics, web hosting,
marketing, and delivery of promotional or transactional materials.
With other non-affiliated companies, parties, or organizations when you engage in certain activities through the
Services or services that are sponsored or provided by them, including, but not limited to:
- requesting or purchasing products or services offered by these third parties
- electing to receive information or communications from them, or
- electing to participate in contests, sweepstakes, games, scholarships, or other programs sponsored or provided
by these third parties, in whole or in part.
With non-affiliated third parties that are interested in contacting you or providing offers to you that may be
related to our products or services or about other products or services you may find interesting.
With other parties at your direction or request. For example, through www.raptorfi.com, we share your name and
contact information with finance-related institutions who you request we share such information.
With any person who, in our reasonable judgment, is authorized to receive your information, such as your agent,
attorney, parent, legal guardian, or cosigner of a loan application.
We may disclose information we collect from or about you when we believe disclosure is appropriate to comply with
the law, to enforce or apply applicable terms and conditions and other agreements, or to protect the rights,
property, or safety of our company, our affiliates, our other customers or users of the Services, or others.
If some or all of our business assets are sold or transferred, whether through a sale, acquisition, merger,
consolidation, reorganization, bankruptcy, 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. We also may retain a copy of such
information. Nothing in this Privacy Notice 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, whatsoever.
We may disclose and share anonymized or aggregated information about you (information that does not directly and
personally identify you) or any other of your Non-PII at our discretion.
In each case when we disclose your information to third parties, your information will become subject to the
information use and sharing practices of such third parties, and such third parties will not be restricted by this
Privacy Notice with respect to their use and further sharing of your information. To opt-out of our sharing of your
information with such third parties, see the Choices about How We Use and Disclose Your Information section.
The Services may contain public areas, forums, ratings or features that allow you to provide your User Contributions
to be published or displayed or transmitted publically to other users of the Services. Your User Contributions are
posted on the Services and transmitted to others at your own risk. For this reason, we recommend that you do not
include any sensitive or personally identifiable information about yourself or others in your User Contributions for
Automatic Information Collection Technologies and Usage Information
We and our service providers automatically collect “Usage Information” from or about you, such as information about
your computer or mobile device, IP address, web browser, computer or device platform, related software and settings
you are using, browsing actions and patterns, the referring page that linked you to us and the web site you visit
after using the Services, and other usage activity on the Services. Collection of Usage Information helps us to
improve the Services and to deliver a better and more personalized service by enabling us to, among other things:
(1) estimate our audience size and usage patterns; (2) store information about your preferences, allowing us to
customize the Services according to your individual interests; (3) speed up your searches; and (4) recognize you
when you return to the Services. We and certain third parties, such as advertising service providers, may use
certain technologies to collect information about your online activities over time and across different services.
The automatic collection technologies we and our service providers may use for this automatic information collection
- Cookies (or browser cookies). A cookie is a small data file that is sent to your browser or related software
and stored on your computer’s hard drive when you visit a web site. Generally, cookies can track what you look
at and where you travel on web sites and what transactions you make. They can also store Personal Information
about you, including your username and password. A “session cookie” expires immediately when you end your
browsing session with the particular web site. A “persistent cookie” stores information on your hard drive so
when you end your browsing session and return to the same web site later, the cookie information is still
available. The Services may use both types of cookies.
- Flash Cookies. Certain features of the Services may use locally stored objects (or Flash cookies) to collect
and store information about your preferences and navigation to, from and on the Services.
- Web Beacons. Pages of the Services and any emails we send to you may contain small electronic files known as
web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to
count users who have visited those pages or opened our emails and for other related web site analytics (e.g.,
recording the popularity of certain web site content and verifying system and server integrity).
For more information about managing your privacy settings regarding automatic collection of Usage Information, see
the Choices about How We Use and Disclose Your Information section.
Third-Party Advertisers and Interest-Based Ads
With the exception of certain of our web pages, services or features that may collect sensitive Personal Information
such as financial information, we may permit third-party advertising companies or ad networks to display third-party
advertisements on our web sites and/or automatically collect Usage Information from our web sites for purposes of
determining your preferences and delivering interest-based advertising and content to you on the Services or other
online properties, including those operated by third parties. Those ads may include ads for Raptor controlled
products or services or for other companies’ products or services.
These third-party advertisers may combine the Usage Information with Personal Information you directly submit to
them or that they receive from other sources, or the Usage Information they collect may include information that
could allow someone to specifically contact you online without necessarily knowing your identity. We do not have
access to or control over the automatic collection technologies that these third-party advertisers may use, and the
information practices of these third-party advertisers are subject to these parties’ respective privacy policies,
not this Privacy Notice.
You may want to receive interest-based ads for several reasons. Interest-based ads are helpful because they are more
likely to be tailored to your particular interests. They are also more likely to help you discover new products and
services that are actually relevant to you and your interests. Also if interest-based tracking is enabled, you
likely will not see the same ads over and over because the number of times you see a particular interest-based ad is
usually limited. By opting-out of interest-based ads, you lose all of these benefits. If you would like more
information about opting-out of interest-based ads or would like to opt-out, see the Choices about How We Use and
Disclose Your Information section or visit the opt-out pages of the Network Advertising Initiative (“NAI”) and
Digital Advertising Alliance (“DAA”). We follow the DAA’s Self-Regulatory Principles for Online Behavioral
The Services and all electronic communications sent in connection with the Services, may contain links, videos,
images, or other content provided by third parties. We do not necessarily endorse these web sites, products,
services, or practices. We do not control, and are not responsible for, the privacy and security practices of these
third parties. We recommend that you review the privacy and security policies of these third parties to determine
how they handle information they may collect from or about you.
The Services may also allow you to engage with social media features, such as the Facebook Like button, Google Plus,
and Twitter widgets, when you are logged into those services. These features may collect information about your IP
address and which page you are visiting on the Services, and they may set a cookie to make sure the feature
functions properly. Your interactions with these features and the information from or about you collected by them
are governed by the privacy policies of the companies that provide them.
Special Notice to California Residents — Your California Privacy Rights
If you are a California resident and have provided your personally identifiable Personal Information to us, you may
request a notice disclosing the categories of Personal Information we have shared with third parties for their
direct marketing purposes during the preceding calendar year. To request a notice, your request must be submitted to
us at [email protected] with the words “California Privacy Information Request” in the subject line, or by mail
addressed to: College Raptor, Inc., 327 2nd Street, Suite 103, Coralville, Iowa 52241.
Your request must include the email address or mailing address, as applicable, for us to send our response. These
requests may be made no more than once per calendar year.
Your Choices About Use and Disclosure of Your Information
We strive to provide you with choices regarding the Personal Information you provide to us. Below are some
mechanisms that provide you with control over your information:
- Promotional Emails. If you do not wish to receive promotional emails from us, including our e-newsletters,
contact us at [email protected] to opt-out or follow the unsubscribe process at the bottom of the
promotional email. Note that even if you opt-out, you may still receive transactional emails from us (e.g.,
emails related to the completion of your registration, correction of user data, password reset requests,
reminder emails that you have requested, and any other similar communications essential to your transactions on
or made through the Services).
- Telephone Calls. If you do not wish to receive promotional telephone calls, contact us at
[email protected] to opt-out. This opt-out does not apply to any informational telephone calls.
- Third-Party Interest-Based Ads. We do not control third parties’ collection or use of your information to
serve interest-based ads. However, you can opt-out of receiving interest-based ads from third-party advertisers
and ad networks who are members of the NAI or who follow the DAA’s Self-Regulatory Principles for Online
Behavioral Advertising by visiting the NAI and DAA web sites. If you opt-out, you may still see contextual
advertising from us, meaning you may still see personalized recommendations about our products and services and
other similar features on the Services. You may also still see ads provided by us or others on other third-party
web sites; they just will not be based on your particular interests. Also note that your opt-out will be managed
computer, you will need to opt out again.
- Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your Personal
Information with non-affiliated third parties for promotional purposes, contact us at [email protected] to
opt-out. Any opt-out request will only apply from the date of your request, and we will not be responsible for
any communications that you may receive from third parties who received your Personal Information prior to your
request. In these cases, please contact the third parties directly. Note, that opting out may inhibit your
ability to use all or part of the Services.
Accessing and Correcting Your Information
The appropriate method(s) for accessing your information, if any, will depend on which of our web sites and services
you have visited or used. Depending on the web site and service, you may have the ability to view or edit some of
your information online by logging in and visiting your account settings page. You may also contact us at
[email protected] to request access to, correct, or delete any Personal Information that you have provided to
us; however, we may ask you to verify your identity and provide other details to help us to respond to your request.
We cannot delete your Personal Information except by also deleting your user account. Once your user account is
deleted, it cannot be recovered. We also may not accommodate a request to change or delete information if we believe
agreement between you and us, or cause the information to be incorrect. After deletion of your user account, your
Personal Information may remain on our archived database and records.
Also, if you delete or request the deletion of your User Contributions from the Services, copies of your User
Contributions may remain viewable in cached and archived pages, or might have been copied, stored, or reposted to
another web site by other users of the Services.
We strive to use reasonable security measures to protect your information collected through the Services. However,
no method of transmission or electronic storage is 100% effective, and we cannot guarantee absolute security.
Therefore, your use of the Services is at your own risk and we do not promise or guarantee, and you should not
expect that your information will always and absolutely remain private and secure. We are not responsible for the
circumvention of any privacy settings or security measures contained on or concerning the Services. You are also
responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or
In the unlikely event that we believe that the security of your Personal Information in our possession or control
may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we will
do so within 72 hours of the event, and, if we have your email address, we may notify you by email. You consent to
our use of email as a means of such notification. If you prefer for us to use another method to notify you in this
situation, please email us at [email protected] with the alternative contact information you wish to be used.
The Services Are Not for Children
The Services are not intended for children under 13 years of age. We do not knowingly collect personal information
from children under 13. If you are under the age of 13 do not use or provide any information with respect to the
In the event that we learn that we have collected personal information from a child younger than 13 years old, we
will delete that information and terminate the child’s account (if any). If you believe that a child under the age
of 13 has provided us with personal information without verification of parental consent, please contact us at
The Services Are Not for Children
The Services are operated in the United States and are not intended for international users. This Privacy Notice is
intended to cover the collection of information on the Services from residents of the United States. If you are
accessing the Services from outside the United States, please be aware that your information may be transferred to,
stored, and processed in the United States and other countries and territories. The information protection laws of
the United States and the other countries and territories might not be as comprehensive or protective as those in
your country. By using the Services and our services, you understand that your information may be transferred to our
facilities and those third parties with whom we share it as described in this Privacy Notice. We make no claim that
the Services may be lawfully viewed or used outside of the United States.
The Services Are Not for Children
We may update or amend this Privacy Notice at any time. This Privacy Notice will reflect the date it was last
updated or amended. If we make any material amendments, we will notify you by posting a notice of the updated or
amended Privacy Notice on the Services. All amendments will take effect immediately upon our posting of the updated
Privacy Notice on the Services. Under certain circumstances, we may also elect to notify you of changes or updates
to our Privacy Notice by additional means, such as posting a notice on the homepage of the Services or sending you
an email. Please check this Privacy Notice each time you use the Services to ensure you are aware of any changes in
our practices. Your continued use of the Services will indicate your acceptance of the changes to the Privacy