Online Privacy Policy
Last Updated: November 2024

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

This Online Privacy Policy (the “Policy”) applies to the website www.privatestudentrelief.com, owned and operated by JOCO ENTERPRISES, LLC. (Private Student Relief) (the “Company”). It also covers all online interfaces of the Company or affiliates that link to this Policy (each, a “Site” and collectively, the “Sites”). This Policy describes how JOCO ENTERPRISES, LLC. (Private Student Relief) (hereinafter “we,” “our,” “the Company”) collects, uses, protects, and discloses your personal information when you use our online services. It also describes the choices available to you regarding the use, access, and updating of your personal information.

Agreement to This Policy:

By using this Site, you consent to this Online Privacy Policy, including your consent to the use and disclosure of information about you in the manner described herein. If you do not agree with this Policy, we recommend that you do not use our Site or services.

This agreement is subject to a binding arbitration agreement outlined in the Online Terms of Service. These Terms affect your legal rights, including an agreement to resolve disputes through arbitration rather than through a jury trial or class action. You may opt out of our arbitration agreement as described in the Terms of Service.

Information We Collect

We collect the following personal information from you:

  • Contact Information: We collect information such as your name, email address, mailing address, phone number, and other details you provide.
  • Financial Information: We collect financial information such as bank account details, credit information, income, employment records, student debt records, and other relevant data when you use our services.
  • Registration Data: We collect information that your browser sends automatically, such as IP address, browser type and configuration, request date and time, and how you interact with our Site.
  • Usage Data: We may collect information about how you use our services and your online behavior, such as the pages you visit, features you use, and interactions you have with the services.

Legal Basis for Collecting Information (General Data Protection Regulation – GDPR):

If you are located in the European Union or the European Economic Area, we process your personal information under the following legal bases:

  • Consent: You have given your consent for the processing of your personal information.
  • Contract Execution: Processing of your information is necessary for the performance of a contract with you or to take steps at your request before entering into a contract.
  • Legitimate Interests: The processing of your information is necessary for our legitimate interests, provided these interests do not override your rights and freedoms.

How We Use the Information

We use the information we collect for the following purposes:

  • To send information about our products and services you request.
  • To respond to customer service inquiries.
  • To send newsletters and marketing communications.
  • To conduct internal analysis to improve our services.
  • To provide personalized assistance based on your needs and preferences.

Sharing Information

We may share your information with the following entities:

  • Service Providers: We may share your information with service providers who help us operate our business (e.g., payment processors, data analytics providers, marketing, etc.).
  • Legal Compliance: We may disclose your personal information if required by law, such as in the case of a subpoena, court order, or request from a government agency.
  • Third Parties for Marketing: With your consent, we may share your information with third parties for marketing or targeted advertising.

California Privacy Rights (CCPA):

If you are a California resident, under the California Consumer Privacy Act (CCPA), you have the right to:

  • Access Information: Request information about the categories of personal data we have collected about you, the sources of that information, and the purposes for which it is collected or sold.
  • Delete Information: Request the deletion of your personal information.
  • Opt-Out of Sale: Request that we do not sell your personal information to third parties.

If you wish to exercise these rights, you may email us at privacy@privatestudentrelief.com or call us at +1 (888) 759-7274. Please note that we may ask for additional information to verify your identity before processing your request.

European Consumer Rights (GDPR):

If you are a resident of the EU, you have the right to:

  • Access your personal information: Request a copy of the personal data we hold about you.
  • Rectify or delete information: Correct any inaccuracies or delete data that is no longer necessary.
  • Object to processing: Request that we stop processing your personal data for legitimate reasons.

You can exercise these rights by sending a request to privacy@privatestudentrelief.com.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience. A cookie is a small text file stored on your device that helps us remember your activity and preferences. You can control the use of cookies through your browser settings. If you choose to disable cookies, some features of our Site may not function properly.

Data Security

We strive to protect your personal information through technical and organizational security measures. However, due to the nature of the internet, we cannot guarantee that information transmitted will be fully secure.

Minors

Our Site is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we discover that we have collected information from a minor under 18 years old, we will take steps to delete that information.

Updates to This Policy

We reserve the right to modify this Privacy Policy at any time. Any changes will be posted on this page, and we will update the date of the last revision. We encourage you to review this Policy periodically to stay informed about how we protect your personal information.

If you have questions about this Privacy Policy, or wish to exercise your rights, please contact us at:

  • Email: privacy@privatestudentrelief.com
  • Phone: +1 (888) 759-7274
  • Address: 400 Spectrum Center Dr Irvine, CA 92618