By accessing Refi.me, a service provided by College Raptor, Inc. (“Raptor”), or any other site or domains under the control of Raptor, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.
You are prohibited from violating or attempting to violate the security of Raptor, including, without limitation, (a) intercepting or accessing data not intended for such user or logging into a server or account which the user is not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without prior express written authorization, (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to any Raptor controlled web site, overloading, “flooding”, “denial of service attacking”, “spamming”, “mailbombing” or “crashing”, (d) sending unsolicited e-mail, including promotions and/or advertising of products or services, or (e) forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting. Violations of system or network security may result in civil or criminal liability.
Permission is granted to temporarily download or receive via email one copy of the materials (information or software) on the Refi.me web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Raptor at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The materials on the RaptorFi web site are provided “as is”. Raptor makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Raptor does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
Refi.me is an independent web site and advertising helps provide resources to create new features that are free for its users. If someone clicks on one of our advertising partner link(s) within our site, we may receive a referral fee. Our reviews, rankings, research, and written content are based on objective analysis and not potential compensation. We do not provide a complete listing of every available product in the marketplace but strive to recommend products we feel are best for our users.
In no event shall Raptor or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on the Refi.me Internet web site, even if Raptor or a Raptor authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the Internet or this web site will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.
RAPTOR WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEB SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEB SITE LINKED TO IT. YOUR USE OF THE WEB SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE IS AT YOUR OWN RISK. THE WEB SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER RAPTOR NOR ANY PERSON ASSOCIATED WITH RAPTOR MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEB SITE. WITHOUT LIMITING THE FOREGOING, NEITHER RAPTOR NOR ANYONE ASSOCIATED WITH RAPTOR REPRESENTS OR WARRANTS THAT THE WEB SITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEB SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. RAPTOR HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
IN NO EVENT WILL RAPTOR, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEB SITE, ANY WEB SITES LINKED TO IT, ANY CONTENT ON THE WEB SITE OR SUCH OTHER WEB SITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEB SITE OR SUCH OTHER WEB SITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
The materials appearing on this web site could include technical, typographical, or photographic errors. Raptor does not warrant that any of the materials on this web site are accurate, complete, or current. Raptor may make changes to the materials contained on this web site at any time without notice. Raptor does not, however, make any commitment to update the materials.
Raptor has not reviewed all of the sites linked to this Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Raptor of the site. Use of any such linked web site is at the user’s own risk.
Any claim relating to this web site shall be governed by the laws of the State of Iowa without regard to its conflict of law provisions.
The safety and privacy of children is very important to us. Raptor is committed to comply with the requirements of all federal and state law, including the Children’s Online Privacy Protection Act of 1998 (“COPPA”). For more information about COPPA, please visit the Federal Trade Commission’s web site at COPPA Web site. This Web Site is not intended for children under the age of 13. Raptor will not knowingly register or otherwise collect Personal Information from persons who identify themselves as being under the age of 13 during the registration process, without the prior consent of such child’s parent or guardian. By accepting our terms of service, you are affirming that you are 13 years of age or older.
By creating an account through a Raptor service, you agree to receive periodic email updates from us regarding new content, features and other information. You will be able to unsubscribe from these email updates at any time.
You agree to be contacted by Raptor or on our behalf or by any other party to whom you may be referred or whom you may contact via your utilization of our services by mail, email, telephone calls, text messages, and other platforms for marketing and non-marketing purposes associated with the business of the Services. You also specifically agree that you have provided express consent to receive autodialed and prerecorded non-marketing calls (e.g., calls to service your relationship with us) and text messages from us or on our behalf at the telephone number(s) that you provide.
You confirm that all of your contact information is correct. You also agree that you are the subscriber for any telephone number(s) provided and the authorized user for the email address(es) provided. You also agree to notify Raptor promptly if any of your number(s) or address(es) change in the future. You understand that your wireless service provider’s message and data rates may apply to the messages that we send to or receive from you.
You also agree that by submitting a request for a service provided by Raptor, you are extending an express invitation to Raptor and each applicable affiliate organization or financial service provider related to the submission to contact you so that Raptor and they may assist you with your transaction or request. Such communications may include marketing or promotional communications.
You confirm that you are authorized to provide Raptor with any data you submit on this web site, including but not limited to academic, family and financial data entered into our calculation tools. Further, you acknowledge that once this data is submitted to this web site, the data, absent any personally identifiable information about you, will, in aggregate, become the sole property of Raptor and that we may decide to use it at our sole discretion. You represent that the data you provide is accurate to the best of your knowledge, understand that Raptor may terminate your use of our services without notice for providing us with inaccurate or unauthorized information, and acknowledge that any models created by Raptor which utilize such data are entirely owned by us.
Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The Refi.me 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 Refi.me and all other Raptor controlled web sites and applications that link to this policy (the “Services”).
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.
By accessing the Refi.me 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.
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:
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.
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.
In order to provide you with the best user experience, we may use your information, including Personal Information, to:
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:
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.refi.me, 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.
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 include:
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.
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 Advertising.
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.
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.
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:
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.
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 misuse.
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 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 Services.
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 [email protected]
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.
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 Notice.