Privacy Policy


Updated November 24, 2021


We know that privacy is paramount to us, and we want to treat you the way we would want to be treated. Because we see ourselves as trusted custodians of your data, we want you to have the safeguards in place to protect it and detail how we use it. We use your data in a secure manner to help provide clarity on financial pathways. We are committed to continuously improving the customer experience, providing clear explanations on how we use data, and maintaining compliance with all applicable laws and security standards. 

 

To maintain our security standards, we use advanced security tools, and we train our team annually on best practices to keep your data safe and secure. Quatromoney maintains your data privacy by allowing only authorized team members to access information when it is critical to complete tasks for you.

 

This Privacy Policy was developed to help you understand how we collect, use, communicate, and disclose information. We collect information from you in order to provide valuable service. This Privacy Policy applies to Quatromoney, Pay4Education, Inc., its affiliates, applications, and subsidiaries related by common ownership or control (“we,” “us,” and “our”) for our sites, products, and Services (“Services”) which are targeted to US customers.

If you are using at www.quatromoney.com, jump to here.


If you are using at a website other than www.quatromoney.com, these apply:


Quatromoney has agreements with Third Parties who license our Service to make planning to pay for college easier for students and their families which may advertise Third Party Licensors products and services. Third Party Licensors include but are not limited to banks, credit unions, private student loan lenders, college search organizations, employer benefit providers and educational non-profits. When our Services are located on Third Party Licensors’ websites, these websites have their own privacy policies and terms of use which are not controlled by Quatromoney.   The information collected by our Services is controlled by Third Party Licensors’ privacy policies, not Quatromoney’s Privacy Policy.  Third Party Licensors have their own mechanism for you to opt out of some or all services on designated websites. Quatromoney does not control these opt-outs, which may be updated or removed in accordance with their own policies.

 

The Quatromoney Services on Third Party Licensors’ websites may include links to products, services, promotions, contests, scholarships, blogs, social media and contact information, which Quatromoney does not control, endorse, or represent.

 

Information Collection: 

 

When using Quatromoney Services on Third Party Licensors’ websites, we may collect User Information from you which can be used to identify you, including, but not limited to your email address, education information, and financial information.

 

We collect information when you start to use the Services or email us for support, give us feedback through surveys, participate in marketing initiatives, or provide user-generated content or submissions to us.

 

Third Party Licensors may themselves also work with other companies or additional Third Parties. For instance, Third Party Licensors may or may not provide special offers based on your self-reported credit profile, college selection, start year of college, or other factors to give you personalized recommendations.

 

Finally, Quatromoney may share content or other information that you may provide or create when you interact with our Services with Third Party Licensors. 

 

Also, Quatromoney collects Usage Data when you utilize our Services, such as Internet Protocol (“IP”) addresses, log files, unique device identifiers, pages viewed, browser type, any links you click on to leave or interact with our Services, and other usage information collected from cookies and other tracking technologies. For instance, we collect IP addresses to assess how you navigated to our Services. In addition, we collect IP addresses as a part of our security features. When we collect such Usage Data, we will treat it the same as User Information.

 

Based on Quatromoney’s growth mindset, our Services are continuously improving over time. Hence, we may collect new or different types of information, enhance our Services, and offer new features through our Third Party Licensors’ websites.

 

Use of Cookies: Cookies are small text files sent via your web browser by a website you visited and then are stored on your computer. Cookie files allow your web browser and the visited website to recognize you in order to make your next visit tailored to you and easier to navigate. Quatromoney and our Third Party Licensors may use cookies and other information gathering technologies for a variety of purposes. Quatromoney uses a number of session and persistent cookies to enable you to easily return to your college affordability plans, to store your preferences, provide analytics, and possibly in the future enable advertising delivery.

 

You can choose not to receive our cookies. If this is the case, we cannot guarantee that our website or Third Party Licensors’s website will recognize on a return visit. Your web browser has processes to opt-out of the use of our cookies as well as others. Check out these resources:

 

 

Sharing Practices: Quatromoney only shares your User Information with the Third Party Licensors or in the following instances:

 

  • Response to Legal Requests:  When we have a good faith belief we are obligated or permitted to share your information with courts, law enforcement agencies, or other government bodies based on a court order, subpoena, search warrant, or other law enforcement request, we will provide User Information and Usage data.

 

  • Data Protection:  We assess when to share User Information and Usage Data with Third Parties that help with fraud protection and credit risk reduction in order to protect the rights, property, or safety of Quatromoney, our Services, our Users, and/or others.

 

  • Sale of Our Business: If we sell, merge, or transfer any part of our business, we may be required to share your information. If this occurred, we will ask you if you would like to continue to receive promotional information following any change of control.

 

Updating Your Information: The appropriate method(s) for accessing your User Information will depend on your Services. Depending on the respective website or service, you may have the ability to view or edit some of your User Information online.

 

Children's Online Privacy Protection Act of 1998 ("COPPA") and California Privacy Rights: No User Information is shared with Third Parties for marketing and purposes without your consent. Quatromoney does not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as Users. The Service and its content are not directed at children under the age of 13. In the event that we learn that we have collected User Information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at [email protected].

 

Using our Services from Outside the United States: Services provided to a Third Party Licensor are governed by the laws of the United States and are intended for the enjoyment of residents of the United States only. We make no representation that the website and Services are governed by or operated in accordance with the US laws.

 

Changes to Quatromoney Privacy Policy: Periodically, Quatromoney may enhance this Privacy Policy. We reserve the right to make changes or updates at any time. If we make material changes to the way we process your User Information or Usage Data, we will revise the date on this webpage. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the Information we collect. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications. If you no longer wish to use our Services based on these changes, you may close your account(s).

If you are using at www.quatromoney.com, this applies:

 

Our Information Collection: 

 

To use our Services, we may collect User Information from you which can be used to identify you, including, but not limited to your email address, education information, financial information, username, and password.

 

We collect information when you start to use the Services, call or email us for support, give us feedback through surveys, participate in marketing initiatives, or provide user-generated content or submissions to us.

 

We may also work with other companies or Third Parties. For instance, we may or may not provide special offers based on your self-reported credit profile, college selection, start year of college, or other factors to give you personalized recommendations.

 

Finally, we also collect content or other information that you may provide or create when you interact with our Services. 

 

Also, we collect Usage Data when you utilize our Services, such as Internet Protocol (“IP”) addresses, log files, unique device identifiers, pages viewed, browser type, any links you click on to leave or interact with our Services, and other usage information collected from cookies and other tracking technologies. For instance, we collect IP addresses to assess how you navigated to our Services. In addition, we collect IP addresses as a part of our security features. When we collect such Usage Data, we will treat it the same as User Information.

 

Based on our company’s growth mindset, our Services are continuously improving over time. Hence, we may collect new or different types of information, enhance our Services, and offer new features.

 

Our Use of Information: Unless prohibited by law, regulation, or a contractual obligation, we may use your User Information to:

 

  • Provide Services requested by you.

 

  • Communicate important information via email. 

 

  • Offer other products, services, promotions, contests, or scholarships of ours, our affiliates, or our Third Party Partners and Licensors that may be of use to you.

 

  • Provide customer support to respond to your requests, questions, and/or complaints

 

  • Verify the information you provide to us

 

  • Confirm your identity and eligibility to use the Services

 

  • Establish and manage your account

 

  • Perform research and analysis to develop and improve the Services that we may offer that can be tailored to your interests 

 

  • Understand and anticipate your use of or interest in, our Services, content, and the products, Services, and content offered to trusted Third Parties or Licensors for research, academic, marketing and/or promotional purposes

 

  • Measure the overall effectiveness of our online advertising, content, programming, and other activities

 

  • Manage our business and operations while protecting the security and integrity of the Services, including combating fraud, security, or technical issues related to our Services or our Third Party Partners and Licensors

 

  • Conduct research on college affordability

 

 

Use of Cookies: Cookies are small text files sent via your web browser by a website you visited and then are stored on your computer. Cookie files allow your web browser and the visited website to recognize you in order to make your next visit tailored to you and easier to navigate. Quatromoney may use cookies and other information gathering technologies for a variety of purposes. Quatromoney uses a number of session and persistent cookies to enable you to easily return to your college affordability plans, to store your preferences, provide analytics, and possibly in the future enable advertising delivery.

 

You can choose not to receive our cookies. If this is the case, we cannot guarantee that our website or Third Party websites will recognize on a return visit. Your web browser has processes to opt-out of the use of our cookies as well as others. Check out these resources:

 

 

Our Sharing Practices: We may disclose or share other information from or about you, including your User Information, as follows:

 

  • Third Party Service Operational Providers: In order to provide our Services, we may use various Third Parties cookies and share your information, including User Information and Usage Data, with Third Party Service Operational Providers who help us operate our business processes like website design, sending email communications, fraud detection, and prevention, customer care, or performing analytics. Because privacy is paramount, our contracts with these Third Parties include provisions that require them to maintain the confidentiality of the User Information we provide to them and restrict them to only act on our behalf to only use User Information for purposes of providing to us Services on our behalf. 

 

  • Third Party Partners: Quatromoney has agreements with Third Parties to advertise Third Party products, services, contests, or promotions. Third Parties have their own mechanism for you to opt out of some or all services on designated websites. Quatromoney does not control these opt-outs, which may be updated or removed in accordance with their own policies.

 

  • Response to Legal Requests:  When we have a good faith belief we are obligated or permitted to share your information with courts, law enforcement agencies, or other government bodies based on a court order, subpoena, search warrant, or other law enforcement request, we will provide User Information and Usage data.

 

  • Data Protection:  We assess when to share User Information and Usage Data with Third Parties that help with fraud protection and credit risk reduction in order to protect the rights, property, or safety of Quatromoney, our Services, our Users, and/or others.

 

 

  • Sale of Our Business: If we sell, merge, or transfer any part of our business, we may be required to share your information. If this occurred, we will ask you if you would like to continue to receive promotional information following any change of control.

 

Updating Your Information: The appropriate method(s) for accessing your User Information will depend on your Services. Depending on the respective website or service, you may have the ability to view or edit some of your User Information online.

 

Children's Online Privacy Protection Act of 1998 ("COPPA") and California Privacy Rights: No User Information is shared with Third Parties for marketing and purposes without your consent. Quatromoney does not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as Users. The Service and its content are not directed at children under the age of 13. In the event that we learn that we have collected User Information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at [email protected].

 

Visiting our Websites from Outside the United States: Our website and Services are governed by the laws of the United States and are intended for the enjoyment of residents of the United States only. We make no representation that the website and Services are governed by or operated in accordance with the US laws.

 

Changes to Our Privacy Policy: Periodically, we may enhance our Privacy Policy. We reserve the right to make changes or updates at any time. If we make material changes to the way we process your User Information or Usage Data, we will revise the date on this webpage. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the Information we collect. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications. If you no longer wish to use our Services based on these changes, you may close your account(s).

If you have questions, complaints, or suggestions regarding our Privacy Policy or practices, please contact us at [email protected].


Congratulate yourself for reading the Privacy Policy. You are a smart, informed cookie. That is why you are using Quatromoney.

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