Online Privacy Policy
Last Updated: November 2024

Please be advised that all calls with our company may be recorded or monitored for quality assurance and training purposes.

This Online Privacy Policy (the “Policy”) applies to the website www.privatestudentaidnow.com, operated by JOCO ENTERPRISES, LLC, doing business as Private Student Aid Now (the “Company,” “we,” “us,” or “our”). It governs all online interactions through our digital platforms, including affiliated interfaces that link to this Policy (collectively, the “Sites”).

This Policy outlines how we collect, use, share, and protect your personal information when you use our online services, and explains your rights and choices concerning your data.

Your Agreement to This Policy

By accessing or using our Sites, you consent to the terms of this Privacy Policy, including the collection and use of your personal information as outlined herein. If you do not agree with this Policy, please refrain from using our Sites or services.

This Policy is subject to the binding arbitration provisions set forth in our Online Terms of Service. These provisions affect your legal rights, including the waiver of the right to a jury trial or class action. You may opt out of arbitration as described in the Terms of Service.

Information We Collect

We may collect the following categories of personal information:

  • Contact Information: Name, email address, phone number, mailing address, or other contact details.

  • Financial Information: Bank account data, income, employment status, student loan details, and other related financial records.

  • Technical and Registration Data: IP address, browser type, device identifiers, date/time of access, and pages visited.

  • Usage Data: Interactions with our services, clickstream data, browsing preferences, and engagement patterns.

Legal Basis for Processing Information (GDPR)

For users located in the European Union or European Economic Area, we process your data under the following legal bases:

  • Consent: You have granted us explicit permission.

  • Contractual Necessity: Processing is required to perform or prepare a contract.

  • Legitimate Interest: We have a legitimate business interest that does not override your rights.

How We Use Your Information

We may use your personal information to:

  • Deliver the services or information you request.

  • Provide personalized assistance and customer support.

  • Send newsletters, updates, or promotional communications.

  • Improve our services through internal analytics.

  • Ensure legal and regulatory compliance.

Information Sharing and Disclosure

We may share your information with:

  • Service Providers: Including data processors, marketing vendors, analytics partners, or customer support platforms acting on our behalf.

  • Legal Authorities: When required by law, subpoena, court order, or regulatory obligation.

  • Marketing Partners: With your consent, we may share data for joint marketing efforts or advertising purposes.

Your California Privacy Rights (CCPA)

If you reside in California, you have the right to:

  • Know: Request details about the categories and sources of personal data we collect.

  • Delete: Ask us to delete your personal information.

  • Opt-Out: Prevent the sale of your personal data to third parties.

To exercise these rights, email us at privacy@privatestudentaidnow.com or call +1 (888) 759-7274. We may request verification of your identity before fulfilling your request.

Your Rights Under the GDPR

If you are located in the EU or EEA, you may:

  • Access the personal data we hold about you.

  • Correct or delete inaccurate or outdated information.

  • Object to processing for specific purposes.

  • Withdraw consent at any time, without affecting prior lawful processing.

Requests can be sent to privacy@privatestudentaidnow.com.

Cookies and Tracking Technologies

We use cookies and similar tools to personalize your experience and analyze usage patterns. You may manage cookie preferences through your browser settings. Disabling cookies may limit certain functionalities of our Sites.

Data Security

We employ technical and organizational safeguards to protect your personal information. Despite our efforts, no online transmission or storage system can be guaranteed as 100% secure.

Minors

Our Sites and services are not intended for individuals under the age of 18. We do not knowingly collect data from minors. If we discover such collection, we will take immediate steps to delete the information.

Changes to This Policy

We may update this Policy from time to time. Changes will be posted on this page with the updated revision date. We encourage you to review this Policy periodically to stay informed about how we protect your data.

Contact Us

For any questions about this Privacy Policy or to exercise your rights, please contact us at:

Email: privacy@privatestudentaidnow.com
Phone: +1 (888) 759-7274
Mailing Address:
Private Student Aid Now
490 S Price Rd, Chandler Chandler, AZ 85286
USA