PRIVACY POLICY

You must read this Privacy Policy, and related documents (the Terms of Use and the Acceptable Use Guidelines), carefully before accessing or using any of the Cards4Students Web Sites (as hereinafter defined). By accessing or using the Cards4Students Web Sites, you agree to be bound by this Privacy Policy and the Terms of Use and the Acceptable Use Guidelines and all the terms and conditions set forth herein and therein. If you wish not to be bound by these terms you must navigate away from any of the Cards4Students Web Sites now, and you are prohibited from accessing and using such Web sites until such time as you are willing to be so bound. If you use the Cards4Students Web Sites in a manner inconsistent with this Privacy Policy, the Terms of Use or the Acceptable Use Guidelines Cards4Students may terminate your access, block your future access and/or seek such other additional relief as Cards4Students, in its sole and reasonable discretion, shall determine. This Privacy Policy may be modified per its terms.

1. Information About Visitors to the Cards4Students Web Sites

Cards4Students keeps track of the Web sites and pages our visitors view within the Cards4Students Web Sites to enable Cards4Students to determine what sites and services are the most popular. This data can be used to deliver customized content and advertising to Cards4Students’ customers and other visitors to the Cards4Students Web Sites whose behavior indicates that they are interested in a specific subject area. Cards4Students’ service may automatically gather certain usage information like the numbers and frequency of visitors to the Cards4Students Web Sites and its pages, and Cards4Students will only use information gathered in this manner in the aggregate to enable Cards4Students to improve and better design the Cards4Students Web Sites.

To facilitate the above, Cards4Students Web sites may use a technology called “cookies” – small files attached to your Web browser – which tell Cards4Students how and when pages in the Cards4Students Web Sites are visited, and by how many people. Cards4Students’ cookies do not collect personally identifiable information and do not combine information collected through cookies with other personally identifiable information, so users remain anonymous. Cards4Students may also provide statistical “ratings” information in the aggregate (and never about individual users personally) to Cards4Students’ partners about how visitors, collectively, use the Cards4Students Web sites.

2. Use of Cookies

Some Cards4Students Web Sites may use “cookies” to personalize users’ online experience. Cookies cannot be used to run programs or deliver viruses to users’ computers. Cookies are uniquely assigned to individual users, and can only be read by a Web server in the domain that issued such cookies.

Among the primary purposes of cookies is to indicate to Cards4Students’ Web server that a particular user has returned to a specific page and enables Cards4Students’ Web servers to “remember” such users from prior visits – including any preferences such users may have established during such prior visits. This simplifies the process of recording personal information, such as billing addresses, shipping addresses, etc. When a visitor returns to the same Cards4Students Web site, the information previously provided can be retrieved, so that such visitor can easily use the Cards4Students Web Sites’ features previously customized.

Users have the ability and the right to accept or decline cookies. Most Web browsers automatically accept cookies, but users may be able to modify their browser settings to decline cookies or purchase third-party programs that provide such functionality. If a user chooses to decline cookies, such user may not be able to fully experience the interactive features of the Cards4Students Web Sites visited.

3. Use of Third Party Advertising

Cards4Students sometimes enter contracts to provide space on the Cards4Students Web Sites to third-party advertisers. Cards4Students will never reveal users’ personal data or data about a user’s specific visits to the Cards4Students Web Sites to such third-party advertisers. Cards4Students reserves the right to provide information to such third-party advertisers about visitors to the Cards4Students Web Sites in the aggregate, absent any personally-identifying information.

4. Information About You

Cards4Students may request specific information about a user when such user signs up to use a service or orders a product through the Cards4Students Web Sites. Cards4Students does not sell, rent or lease its customer lists to third parties. Cards4Students does, however, require specific information to enable provisioning of such service or product, to bill for the same, and to enable Cards4Students to properly credit and maintain users’ accounts. Such information typically includes, but may not be limited to, name, age, Internet address or screen name, billing address, type of computer, phone number and perhaps a credit card number. Cards4Students reserves the right to use such information to inform users of additional products and services which Cards4Students believes they might be interested in learning about. In the event Cards4Students exercises this right, users can opt not to receive such information by letting Cards4Students know on the registration screen when signing up for the product or service. Cards4Students may ask users to identify their interests to enable Cards4Students to enrich users’ online experience; users may choose to respond or not. Additionally, Cards4Students may offer users an opportunity to be listed in a directory on one of the Cards4Students-branded services; such listings are also optional and users can edit or delete their listing information at their discretion.

Cards4Students takes all reasonable precautions to prevent correlation of any user-sensitive data, such as race, age, religion, political affiliation, or sexual orientation, with personally identifiable data.

5. Security of Users’ Personal Information

Cards4Students secures users’ personal information from unauthorized access, use or disclosure, and secures their personally identifiable information we receive from them on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. Personal information is transmitted to other Web sites through the use of Secure Socket Layer (SSL) encrypted protection.

6. Third Party Disclosure

Cards4Students does not use or disclose information about users’ individual visits to Cards4Students Web Sites or personal data that they may provide Cards4Students, such as name, address, email address or telephone number, to any un-affiliated companies. Cards4Students may share with our Cards4Students Web Site partners aggregated ratings information about access to and use of Cards4Students Web Sites, however, and Cards4Students may utilize the services of trusted partners to assist in such statistical analysis. All such third parties are prohibited from using users’ personal information except to provide such services to Cards4Students, and are required to maintain the confidentiality of users’ information.

Cards4Students never discloses personal information without notice to the owner of such information unless required to do so (i) by law or in the good faith belief that such action is necessary to comply with the law and legal process, (ii) in the good faith belief that such action is necessary to protect the safety of an Cards4Students Web Sites user or other Cards4Students customer or the public generally, or (iii) in the good faith belief that such action is necessary to protect and defend the rights of Cards4Students, its affiliates and subsidiaries.

7. Children & The Web

Cards4Students does not specifically collect information about minors and believes that minors should get their parents’ consent before giving out any personal or sensitive information whether over the Internet or otherwise. Cards4Students encourages parents to be engaged and proactive participants in their minor’s experience in cyberspace and otherwise, and to review important safety tips before their minor explores the Internet; Cards4Students also encourages minors to consult with their parents before giving out information of any kind about themselves and their families whether on the Internet or otherwise. Cards4Students supports and encourages the use of Web filtering technology to supervise and protect young minors’ access to online information.

8. Privacy Policy Changes

Cards4Students reserves the right to update and change this Privacy Policy in light of both industry best-practices, user comments and its own discretion. Notice of changes to the Privacy Policy will be provided on the Cards4Students Web Sites’ homepage (www.cards4students.com). In the event Cards4Students believes, in its sole discretion, that such changes materially change these policies, Cards4Students will provide notice of such proposed changes prior to their being implemented; such notice shall appear on the Cards4Students Web Sites’ homepage. Users are responsible for periodically reviewing these policies to ensure their continued comfort as to Cards4Students’ handling of their confidential and identifying information.

9. Enforcement

Cards4Students is happy to receive comments about and suggestions to improve this Privacy Policy. If a user would like to communicate his or her comments or suggestions, or believes Cards4Students has failed to abide by this Privacy Policy, such user is encouraged to contact Cards4Students at any of the following listings:

Cards4Students
P.O. Box 521
Cliffside Park, NJ 07010

201.606.6261

info@cards4students.com

10. Rules of User Conduct

User, by posting information in or otherwise using any Cards4Students-provided service that may be available to user on or through the Cards4Students Web Sites, agrees not to upload, post, or otherwise distribute or facilitate distribution of any content including, without limitation, text, software code (whether object, executable or otherwise), images, sounds, or other data or information that:

a. is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortuous, contains explicit or graphic descriptions or accounts of sexual acts of a violent or threatening nature directed at another individual or group of individuals, or otherwise violates Cards4Students’ rules or policies;
b. victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, disability or any other protected status;
c. infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any other entity;
d. constitutes unauthorized or unsolicited advertising, junk or bulk e-mail (also known as “spamming”), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
e. contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or
f. fraudulently impersonates any person or entity, including any employee or representative of Cards4Students.

User further agrees to refrain from “data mining” or otherwise gathering or collecting (whether through solicitation or otherwise) data or information about or regarding any other user of the Cards4Students Web Sites whether to facilitate the transmission of unsolicited bulk electronic e-mail or otherwise.

Cards4Students does not in any way monitor or edit content posted by users of the Cards4Students Web Sites. Cards4Students does, however, reserve the right, whether itself or via its agents, to do so, and if in Cards4Students’ sole discretion it determines the need, to remove or otherwise edit any content that (i) does not comply with the this Privacy Policy, Cards4Students’ Terms of Use for the Cards4Students Web Sites or Cards4Students’ Acceptable Use Guidelines for the Cards4Students Web Sites or (ii) is otherwise harmful, objectionable, or inaccurate. Notwithstanding the foregoing, Cards4Students is not responsible for any failure or delay in removing or editing such content.

11. Copyrighted Materials

The Cards4Students Web Sites contain various types of content including graphics, text, sounds, animated material, design and layout elements, and other copyrighted and similarly protected content owned or licensed by Cards4Students or its third-party suppliers. Users are not permitted to use this information in any manner or for any purpose other than as expressly authorized herein and in the Cards4Students Web Sites. The policies below relate solely to that content owned by Cards4Students. For information, and permission to use, the content of third-party content rights owners, Users are directed to contact such third-party content rights owners directly.

a. Permission Granted to Users of the Cards4Students Web Sites

Acceptance of this Privacy Policy, Cards4Students’ Terms of Use and Acceptable Use Guidelines conveys to accepting users permission to view, copy, download, and print, for personal use only, any copyrighted materials (but not trade or service marks or logos, whether registered or otherwise) owned by Cards4Students and available on the Cards4Students Web Sites, subject to the following conditions:

(i) Such materials may only be used for personal, noncommercial, and informational purposes. Under no circumstances may they be posted, distributed or modified;
(ii) All copyright and other proprietary notices must be retained in such materials; and
(iii) Users may not reproduce, copy, or redistribute the design or layout of the Cards4Students Web Sites, individual elements of such design or layout, nor any trade or service marks or logos without Cards4Students’ prior express written permission.

b. Permission for Commercial Use

Reproduction, copying, or redistribution for any commercial purpose whatsoever of any materials or design elements on the Cards4Students Web Sites is strictly prohibited without Cards4Students’ prior express written permission. Cards4Students reserves the right to grant such permission at its sole discretion upon written request for such permission reasonably detailing (i) what materials or design elements are at issue and their URL addresses, (ii) the nature of the use for which permission is sought, and (iii) the identity and nature of the entity requesting such permission. In addition, all such requests for permission must contain a statement to the effect that, if the permission sought is granted, the requesting entity shall defend and hold harmless Cards4Students from any and all claims, liabilities, expenses and costs, including reasonable attorneys fees, that are connected in any way whatsoever with the requesting entity’s use of the materials or design elements for which such permission is granted, and failure to include a statement to such effect shall conclusively disqualify any such request from consideration for the permission sought.

Requests for permission for commercial use should be in writing and directed to Cards4Students at the mailing address above, attention: Legal Department.

c. Procedure for Making Claims of Copyright Infringement

Cards4Students, its affiliates and subsidiaries respect and heed the intellectual property rights of others, and requires its third-party content suppliers and other vendors to do the same. If, despite Cards4Students’ best efforts, a user believes any content on the Cards4Students Web Sites to be illegally infringing such user’s intellectual property rights, such user is requested to contact Cards4Students in writing at the mailing address above, attention: Legal Department. Any such notice shall be in writing and shall include (i) a reasonably detailed explanation of what materials or design elements are at issue, their allegedly infringing use, and their URL addresses within the Cards4Students Web Sites, (ii) the location (physical or electronic, and if electronic and network-accessible, the URL) of each alleged protected original of such material or design, (iii) a statement to the effect that there is a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law, (iv) a statement by the author of such notice, made under penalty of perjury, that the above information in such notice is accurate and that such author is the copyright owner or authorized to act on the copyright owner’s behalf, and (v) the electronic or physical signature of the author of such notice, including such author’s name, address, telephone number, and email address.