Privacy Policy at Yellow Brick
At Yellow Brick, your privacy is assured. We respect your right to privacy and
recognize our obligation to keep information about you secure and confidential.
Information Collection & Use
Registration
In order to use this Web site, you must first complete the Apply Now form. When
filling out the Apply Now form you are required to provide contact information
such as name, address, phone, and email address. We use this information to
contact you about the services on our site in which you have expressed interest.
You have the option to provide demographic information such as Driver license
number, date of birth, and employer information to us; we encourage you to
submit this information so we can provide you a more personalized experience on
our site.
Yellow Brick will use this information to contact you in regards to your product
interest. Registered users have the option to receive informative emails. Yellow
Brick is the sole owner of the information collected on
www.yellowbrickfinancial.com . Yellow Brick collects personally identifiable
information from our users at several different points on our Web site.
Social Security Numbers
We do not collect any nonpublic personal information about you unless you
expressly authorize us to collect such information, such as when you submit an
application to us. This information may include your name, address, telephone
number, and certain personal financial information such as student loan account
balances, payment history, account usage and similar information relating to
your transactions with Yellow Brick, and is used only to facilitate the
performance of our services. When you enter your information on our application
forms, we encrypt it using secure socket layer technology (SSL).
Tell-A-Friend
If you choose to use our referral service to tell a friend about our Web site,
we will ask you for your friend’s name and email address. We will automatically
send your friend a one-time email inviting him or her to visit the site. Yellow
Brick Financial does not store this information, and information collection is
for the sole purpose of sending this one-time email.
We do not collect individual information about visitors to our Web site,
however, we do use standard software to collect combined, aggregate information
for the strict purpose of analyzing this Web site's traffic and usage. This
allows us to better understand how many people access our site and which pages
are most popular.
Log Files
As is true of most Web sites, we gather certain information automatically and
store it in log files. This information includes internet protocol (IP)
addresses, browser type, internet service provider (ISP), referring/exit pages,
operating system, date/time stamp, and clickstream data.
We use this information, which does not identify individual users, to analyze
trends, to administer the site, to track users’ movements around the site and to
gather demographic information about our user base as a whole. We do not link
this automatically-collected data to personally identifiable information.
Cookies
A cookie is a small text file that is stored on a user’s computer for
record-keeping purposes. We use cookies on this site. We do not link the
information we store in cookies to any personally identifiable information you
submit while on our site. We use session ID cookies.
We use session cookies to make it easier for you to navigate our site. A session
ID cookie expires when you close you browser. A persistent cookie remains on
your hard drive for an extended period of time.
We set a session ID cookie to provide bowers with more personalized content
relevant to their product needs and inquiry.
If you reject cookies, you may still use our site, there are no limitations to
your navigation.
Some of our business partners use cookies on our site. We have do not have access to or
control over these cookies. See “Third Party Advertisers.”
This privacy statement covers the use of cookies by www.yellowbrickfinancial.com
only and does not cover the use of cookies by any advertisers.
Supplementation of Information
In order to provide certain financial lending services to you, we may on
occasion supplement the personal information you submitted to us with
information from third party sources. These third parties include Hart, and ACS (Affiliated Computer Services)
- Enhancement of Profile Information
We purchase marketing data from third parties and add it to our existing user
database, to better target our advertising and to provide pertinent offers in
which we think you would be interested. To enrich our Profiles of individual
customers, we tie this information to the personally identifiable information
they have provided to us.
Legal Disclaimer
We reserve the right to disclose your personally identifiable information as
required by law and when we believe that disclosure is necessary to protect our
rights and/or to comply with a judicial proceeding, court order, or legal
process served on our Web site.
Yellow Brick abides by federal law and the guidelines established by the Federal
Trade Commission regarding youth privacy. Therefore, we will not knowingly
collect any personal information from or allow the registration of young people
under the age of 13. If we become aware that we have inadvertently collected
personal information from a person under the age of 13, we will promptly take
all reasonable steps to delete the data from our system.
Yellow Brick will not share your personal information with nonaffiliated, third
parties except as required or permitted by federal law or regulation. For
example, we may share your personal information with schools, lenders, agencies
of the United States government and their agents, credit-reporting agencies, and
with third-party servicing organizations. These third parties are required to
use your personal information for its intended purpose only.
Yellow Brick will always protect the personal information you share with us. We
maintain physical, electronic and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information. All personal
information you provide online is encrypted using SSL, or 128-bit encryption
technology; the internet standard for secure communication online.
Access to Personally Identifiable Information
If your personally identifiable information changes, or if you no longer desire
our service, you may correct or update your information by making the change on
our member information page or by contacting your dedicated account
representative, or by contacting us by telephone or postal mail at the contact
information listed below.
Security
The security of your personal information is important to us. When you enter
sensitive information (such as social security number) on our registration or
order forms, we encrypt that information using secure socket layer technology
(SSL). To learn more about SSL, follow this link
(http://info.ssl.com/article.aspx?id=10241)
We follow generally accepted industry standards to protect the personal
information submitted to us, both during transmission and once we receive it. No
method of transmission over the Internet, or method of electronic storage, is
100% secure, however. Therefore, while we strive to use commercially acceptable
means to protect your personal information, we cannot guarantee its absolute
security.
Business Transitions
In the event Yellow Brick goes through a business transition, such as a merger,
acquisition by another company, or sale of all or a portion of its assets, your
personally identifiable information will likely be among the assets transferred.
You will be notified via email and notice on our Web site of any such change in
ownership or control of your personal information.
Changes in this Privacy Statement
If we decide to change our privacy policy, we will post those changes to this
privacy statement, the homepage, and other places we deem appropriate so that
you are aware of what information we collect, how we use it, and under what
circumstances, if any, we disclose it.
We reserve the right to modify this privacy statement at any time, so please
review it frequently. If we make material changes to this policy, we will notify
you here, by email, or by means of a notice on our home page.
Yellow Brick stores all personal information internally in a controlled, secure
environment where only those Yellow Brick employees with a business reason to
access your personal information are authorized to do so.
Choice/Opt-out
We provide you the opportunity to ‘opt-out’ of having your personally
identifiable information used for certain purposes, when we ask for this
information. For example, if you purchase a product/service but do not wish to
receive any additional marketing material from us, you can indicate your
preference on our order form.
You will be notified when your personal information is collected by any third
party that is not our agent/service provider, so you can make an informed choice
as to whether or not to share your information with that party.
If you have any questions or comments in connection with this privacy policy,
please contact us at:
Customer Privacy
Yellow Brick
375 East Elm Street, Suite 101
Conshohocken PA 19428
Phone: 1-866-573-8636
Fax: 1-866-573-8632
Yellow Brick Web site:www.yellowbrickfinancial.com