Federal student loan flexibilities for the COVID-19 emergency have been extended at least through September 30, 2021. We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. We appreciate your patience. Visit StudentAid.gov/coronavirus for updates.
CRI is committed to ensuring your privacy and protecting the security of your Personal Information. This Policy covers the CRI family of websites and all online forms on this Website used to collect Personal Information; it does not cover third party sites that are linked to or from the Website. This Policy does not apply to other entities that we do not own or control or persons that are not our employees, agents or within our control. By using this Website, you are agreeing to the terms of this Policy. If you do not agree with any terms or practices described in this Policy, please exit from this Website.
Collecting Personal Information
You can access our Website without providing us with any Personal Information. However, CRI does collect Personal Information in various locations on our Website when you request specific information. We may collect information that can identify you (“Personal Information”). Such information includes your name, address, telephone number(s), account number and Social Security number or other identifying information.
Information We Collect
When you request information from our Website, such as detail or information regarding your account, we ask you to provide Personal Information to verify that you are a person to whom such detail can be provided.
In addition to the information you volunteer when you log in to our Website, we may also collect additional information as follows. Our server logs automatically collect information, such as your IP address, your browser type and language and the date and time of your visit. This helps us to track users’ movements around our site and understand trends. We may assign your computer one or more cookies, which collect information that tracks your use of our Website and enables us to customize our services to your preferences. We may use this data in aggregate to better understand the needs and interests of visitors to our Website. This information is collected on an aggregated and anonymous basis.
Our primary goal in collecting the information described above is to provide you, the user, with a customized experience on our Website. By knowing a little about each user, we are able to deliver better service and more relevant content to our Website users and visitors.
You have choices with respect to cookies. By modifying your browser preferences, you have the option to reject all cookies, which may, however, in limited instances, prevent you from accessing certain features on our Website.
Use of Personal Information
We will not disclose any Personal Information collected, except as described below. Otherwise, the provisions of this Policy are limited only by legal process, negotiated contract and the technical operation of the Website.
Use by CRI
Disclosures Required by Law
We may disclose Personal Information when required by law or in the good faith belief that such action is necessary in order to conform to the requirements of the law or comply with and respond to legal process served on us.
Information Others May Collect
We do not allow third-party advertising companies or ad networks to display advertisements on our Website. We DO NOT provide any Personal Information to unauthorized third parties.
Sharing Information with Third Parties
We do not sell or trade any Personal Information about our customers, prospects, consumers or visitors to any third parties. We will not share your Personal Information with others, except as indicated below. We may share Personal Information with:
- CRI’s Clients;
- Service providers, such as credit-card payment processors performing services on our behalf;
- Consumer reporting agencies (a.k.a. credit bureaus) regarding your payment history with us; and
- Law enforcement authorities in limited circumstances, such as complying with legal requirements including, but not limited to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Gramm-Leach Bliley Act, the Health Insurance Portability and Accountability Act and their implementing regulations, preventing fraud and identity theft and protecting the safety of our users.
You may choose:
- Not to provide Personal Information, although that may result in your inability to obtain certain services or to use certain features of our Website;
- To delete or decline cookies by changing your browser settings, although if you do so, some of the features of ours Website services may not function properly; and
- To review and update your Personal Information by contacting us at the address information below or, if you have an online account on our Website, by logging into that account.
Storage of Personal Information and Security
We take reasonable precautions to protect the Personal Information we collect from our Website users and visitors. When users submit Personal Information via the Website, the information is housed in a secure database. To prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of information, we have put in place physical, electronic, managerial and other security measures to safeguard and secure the Personal Information we maintain from unauthorized access, alteration, use or disclosure. CRI uses industry-standard technology, such as firewalls, in an effort to protect the confidentiality of your Personal Information. Moreover, only employees who need the information to perform their duties are granted access to Personal Information.
While we strive to protect your Personal Information, you should know that information sent over the Internet, whether by e-mail or by using our online system and Website, is not necessarily secure against interception. Therefore, we cannot be responsible for such interception and cannot guarantee the security of such information.
While this Policy states our standards for maintenance of Personal Information and we will make efforts to meet them, we are not in a position to guarantee these standards. There may be factors beyond our control that may result in disclosure of Personal Information. As a consequence, we disclaim any warranties or representations relating to maintenance or nondisclosure of any Personal Information collected from Website users or visitors.
Links to Third Party Websites
Please be advised that this Website may contain certain hyperlinks to other websites. Although these websites may have privacy policies, all of these websites and their privacy policies are independent of our Website and this Policy. We are not responsible for compliance with other websites’ privacy policies or data collection practices. You should review these privacy policies carefully before providing Personal Information to these websites.
Protection of Children’s Privacy
We understand the importance of protecting children’s privacy, particularly in an online environment. This Website is not designed to attract children under the age of thirteen (13). It is our policy never to knowingly collect or maintain Personal Information about any person under the age of thirteen (13).
If you have questions or suggestions about our Website, this Policy or our information practices, please contact us at:
Attn: Administrative Services Manager
Central Research, Inc.
122 N. Bloomington
Lowell, AR 72745