By submitting this form, you confirm that you agree to our Terms, Referral Program Terms, GLBA Notice and Privacy Policy
This privacy notice for LeverEdge Association, dba Juno, ("we," "us," or "our") describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services"), such as when you:
Visit our website at joinjuno.com, or any website of ours that links to this privacy notice Engage with us in other related ways, including any sales, marketing, or events Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at privacy@joinjuno.com.
This Notice (this “Notice”) applies to “Consumers” as defined under privacy laws in California, Colorado, Connecticut, Utah and Virginia, including the California Consumer Privacy Act (California Civil Code § 1798.100 et seq.), as amended (including, without limitation, by the California Privacy Rights Act (the “CCPA”), the Colorado Privacy Act (Colorado Revised Statute Title 6 Article 1 Part 13 § 6-1-1301 et seq.) (“CPA”), Connecticut’s Act Concerning Personal Data Privacy and Online Monitoring (Public Act No. 22-15), the Utah Consumer Privacy Act (Utah Code Ann. § 13-61-101 et seq.) and the Virginia Consumer Data Privacy Act (collectively, “U.S. Privacy Laws”).
This Notice applies to information we collect and process that are subject to U.S. Privacy Laws, including information regarding:
Section 2 of this Notice covers our collection, use, and disclosure of Consumers’ personal information or data, as defined under the U.S. Privacy Laws (referred to herein as “personal information”). Section 3 of this Notice describes your rights under U.S. Privacy Laws and explains how to exercise those rights. Section 4 describes your rights under other state laws (which are different from the rights discussed in Section 3), and Section 5 provides information on how to contact us in relation to our privacy practices.
Our business consists of providing educational content and resources related to colleges, universities, and graduate programs. These resources include calculators, tools, other resources, and information on potential scholarships, student loans, and educational institutions. This Notice describes the privacy practices of our Services and anywhere we display or reference this Privacy Notice.
Despite any other provisions in this Notice, we reserve the right to collect, utilize, share, disclose, and process aggregate, anonymous, or de-identified information for purposes such as research, marketing, and analytics. When handling de-identified information, we commit to maintaining and using this information in its de-identified form and will not attempt to reidentify the information, except as allowed under applicable privacy laws.
Generally, we collect, retain, use, and disclose your personal information in order to provide you products and Services and to operate our business, as described below in more detail (“Processing Purposes”). This may include disclosing or otherwise making personal information available to our vendors that perform services for us (including “service providers” and “processors,” as those terms are defined under U.S. Privacy Laws (collectively, “Vendors”). Some of the Processing Purposes, as we discuss below, implicate a “sale,” “sharing”, and or “targeted advertising,” as those terms are defined by U.S Privacy Laws. For more details on the meaning of sale, sharing, and targeted advertising, and how to opt-out of them, please visit the “Right to Opt Out of Sales/Sharing/Targeted Advertising” Section below.
When you voluntarily submit any form through the Site, we collect certain Personal Information from you, which can include one or more of the following:
We refer to this Personal Information as "Order Information."
When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”
We collect Device Information using the following technologies:
Generally, we collect, use, and disclose your personal information in connection with the operation of our business, including for the following Processing Purposes:
The table below outlines the types of personal information we gather, along with examples of data within each category. The second column details the purposes for processing each category of personal information. The third column indicates the categories of recipients who receive these specific types of personal and sensitive personal information, whether as part of business-related disclosures or disclosures that may be classified as a sale or sharing under certain U.S. Privacy Laws.
We may also disclose each category of personal information and sensitive personal information listed in the table to the following categories of recipients in ways that do not constitute a sale or sharing of such information:
When we process personal information for the purposes listed below, we may use and disclose such information in ways that could be considered selling and/or sharing, as well as processing for targeted advertising, as defined by U.S. Privacy Laws:
Processing purposes that may involve selling and/or processing your personal information for targeted advertising include:
We do not market our services or products to , and do not intentionally collect Personal Information from, children under the age of 13. If we receive actual knowledge that we have collected Personal Information from a child under the age of 13, we will promptly remove the data from our system using commercial reasonable means. If you believe that we might have any personal information from a child under 13, please contact us at privacy@joinjuno.com or (339) 330-4147 to opt-out of future sales or sharing or to inform us if your minor child is under the age of 13.
We retain information, including Personally Identifiable Information for as long as permitted by applicable law. We may retain aggregated data indefinitely. Aggregated data is information in which you can no longer be identified, and thus is no longer Personal Information as that term is defined in this Policy and under applicable laws and regulations.
The actual duration for which we retain personal information is determined by the length of time we have a legitimate purpose for retaining it, in line with the purposes for which it was collected and applicable laws. For example, we may keep business records as long as they are relevant to our operations and may be legally required to retain personal information if it is potentially relevant to future or ongoing litigation or government investigations. We use the same criteria to assess whether we have a legitimate purpose for retaining personal information that you request us to delete. For more details on deletion requests, please refer to the “Right to Delete” section below.
As detailed below, and subject to the requirements for a Verified Consumer Request (defined below), we provide residents of California, Colorado, Connecticut, Utah, and Virginia with the privacy rights described in this section. If you do not reside in one of these states, you are not entitled to exercise these rights.
In accordance with U.S. Privacy Laws, any request you submit to us is subject to an identity verification process as described in the “Verifying Your Request” section below. We will not fulfill your request unless you have provided sufficient information for us to reasonably verify that you are the consumer about whom we collected personal information. Any request that has satisfied such verification process is referred to herein as a “Verified Consumer Request.”
To request to exercise your Right to Know/Access, Right to Delete, or Right to Correct, please submit your request to us by one of the following methods:
To make a request to exercise your Right to Opt Out or Right to Limit Sensitive Personal Information Processing, please submit your request to us by one of the following methods:
Please see the “Right to Opt Out of Sales/Sharing/Targeted Advertising” section to learn more about how to opt out of sales, sharing, and targeted advertising involving personal information collected by cookies on our Sites.
Certain information we maintain about consumers, which is technically classified as personal information, may not be sufficiently linked to the details you provide when submitting your request. We will make commercially reasonable efforts to identify the personal information we collect, process, store, disclose, and otherwise utilize, and to address your privacy requests. Typically, we will not impose a fee to fully respond to your requests. However, we reserve the right to charge a reasonable fee or to decline to act on a request if it is deemed excessive, repetitive, unfounded, or unduly burdensome. Should we determine that a fee is warranted or that we may refuse the request, we will provide you with notice explaining our decision. You will receive a cost estimate and the opportunity to accept such fees before we proceed with charging you for responding to your request.
When you submit a request, we will take steps to verify your identity or, if you are acting on behalf of another individual, to confirm that you are authorized to make the request on their behalf (refer to our “Authorizing an Agent” section immediately below). We will cross-check the information you provide with our records to ensure we maintain personal information about you. Initially, we ask that you provide:
Depending on the nature of your request and whether the email address you provided is in our systems, we may require additional information to verify that you are the consumer making the request. We will review the information provided and may request further details via email or other means to complete the verification process. We will not fulfill your Right to Know, Right to Delete, or Right to Correct request unless you provide sufficient information for us to reasonably verify that you are the consumer who is the subject of the request. The same verification process does not apply to Do Not Sell/Share/Target requests or limitation of sensitive personal information requests, but we may implement authentication measures if we suspect fraud (such as verifying access to the email provided when making the request).
The verification standards we must apply vary depending on the type of request. For Right to Know requests concerning categories of personal information collected, and certain Right to Delete and Right to Correct requests (e.g., those less sensitive in nature), we verify to a reasonable degree of certainty, which may include matching at least two data points you provide with data points we maintain, deemed reliable for verification purposes. For more sensitive Right to Delete and Right to Correct requests, and for Right to Know requests for specific personal information, we apply a verification standard of reasonably high certainty. This standard includes matching at least three data points you provide with data points we maintain, deemed reliable for verification, and may involve obtaining a signed declaration from you, under penalty of perjury, affirming that you are the individual whose personal information is the subject of the request.
If we are unable to verify your identity for certain requests, such as if you do not provide the requested information, we will still take certain actions as required by U.S. Privacy Laws. For instance, if you are a California resident:
You may appoint an authorized agent to submit a request on your behalf by following the procedures specified above. If you are an authorized agent wishing to make a request, U.S. Privacy Laws mandate that we verify the request as a Verified Consumer Request, as applicable. This may involve requesting additional information to confirm that the consumer has authorized the agent to act on their behalf. Typically, we will ask the agent to provide proof that the consumer has given signed permission for the agent to submit the request. Additionally, as permitted under U.S. Privacy Laws, we may require the consumer to verify their own identity or directly confirm with us that they have authorized the agent to submit the request.
We will strive to respond to a verifiable consumer request within forty-five (45) days of receipt. If we are unable to process your request within this timeframe, we will notify you of the delay in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically. Any disclosures we provide will cover only the 12-month period preceding the receipt of your verifiable consumer request, unless U.S. Privacy Laws require disclosures for a longer period. If we are unable to comply with all or part of your request, we will provide an explanation for our inability to comply.
We reserve the right to charge a fee for processing or responding to your verifiable consumer request if we determine that the request is excessive, repetitive, or manifestly unfounded. Should we determine that a fee is warranted, we will inform you of the reason for this decision and provide a cost estimate before completing your request.
Under U.S. Privacy Laws, certain personal information is classified as sensitive data or sensitive personal information, which we refer to in this Notice as “sensitive personal information.” Depending on your state of residence, you may have the right to instruct us to limit our use and disclosure of sensitive personal information if it is used or disclosed beyond specific internal business purposes. Where applicable, we will consider such a request as a partial withdrawal of any consent you may have previously given for the processing of your sensitive personal information.
You have the right to request detailed information about our collection, use, and disclosure of your personal information. Specifically, you can ask us to:
You also have the right to request a portable copy of the specific personal information we have collected about you. Please be aware that we retain personal information for different lengths of time, so some information we collected about you may no longer be retained and therefore cannot be included in our response. Depending on your state of residence, we may limit the number of "right to know" requests you can make within a certain period, as permitted by U.S. Privacy Laws.
You have the right to request the deletion of any personal information we have collected and retained about you, subject to certain exceptions which we will explain if applicable. Once your deletion request is verified as a Verified Consumer Request, and subject to allowable retention exceptions, we will take one or more of the following actions: (i) permanently erase your personal information from our current systems, excluding archived or backup systems, (ii) deidentify your personal information, or (iii) aggregate your personal information with other data. In our response to your deletion request, we will inform you of the method used to delete your personal information. If legal exceptions apply to your deletion request, we will inform you of the specific exceptions and limit retention to the permitted purposes. Please note that in California and Utah, the right to delete only pertains to personal information we have collected directly from you.
You have the right to request the correction of any inaccuracies in your personal information that we maintain. Your correction request is subject to our verification process (as discussed above) and the response standards outlined in the applicable U.S. Privacy Laws.
Under a variety of U.S. Privacy Laws, consumers possess the right to opt out of specific data processing activities. Distinct states offer unique opt-out rights concerning targeted advertising—termed “cross-context behavioral advertising” in California and generally referred to as “targeted advertising” elsewhere. These rights involve utilizing personal information from various businesses or services to tailor advertisements directed at you. California specifically allows consumers to opt out of “sharing,” which involves the provision or availability of personal information to third parties for targeted advertising purposes, whereas other states permit a broader opt-out from the processing of personal information for such advertising. The definition of “sale” of personal information under these laws typically includes the provision or availability of personal information to a third party.
Third-party digital entities, including social media platforms, analytics firms, data brokers, and third-party advertisers, might implement cookies, web beacons (also known as pixel tags), and similar technologies (“Tracking Technologies”) on our sites. These technologies help collect personal information when you interact with our sites. These third parties may also gather and process personal information that we disclose about you, including information about your digital activities. Allowing access to your personal information on our sites, or through other means, to these third-party digital entities might be viewed as a sale or sharing, potentially triggering targeted advertising regulations under certain state laws. Consequently, we regard such personal information collected by third-party digital entities (e.g., cookie ID, IP address, and other online IDs and internet or other electronic activity information) as subject to the opt-out requests previously described. Sometimes, the personal information we disclose about you is directly collected by these third-party digital entities using Tracking Technologies on our sites or through our advertisements on third-party sites (known as “Cookie PI”). However, some personal information we disclose to third-party digital entities is information that we have directly collected from you or about you previously, such as your email address (referred to as “Non-cookie PI”). For details on other categories of third parties to whom we may sell or share your personal information, refer to the table in the “Collection, Use, and Disclosure of Personal Information” section above.
Opting out as per the instructions below will remove you from sales, sharing, and targeted advertising for the specific state from which you are making the request. Detailed instructions for opting out are provided below. Note that there are separate instructions for opting out of Cookie PI and Non-cookie PI, further explained below.
Opting Out: Refer to “Making a Privacy Request” above to discover how to submit a request to opt out of our processing of Non-cookie PI (e.g., your email address) for targeted advertising or to opt out of the sale or sharing of such data. If you wish to submit a request to opt out of our processing of your cookie-related PI for targeted advertising or opt out of the sale/sharing of such PI, you can initiate an opt-out request by visiting [opt-out link]. You must set your preferences on every one of our websites you visit, using each browser and on every device you use. Since your browser opt-out is identified by a cookie, if you clear or block cookies, your preferences will cease to be effective, and you will need to reactivate them through our consent management platform.
Third-Party Digital Businesses may employ cookies and other Tracking Technologies to identify your device and/or to gather and document information about your interactions with the Sites. This enables them to support feature functionality, assess the effectiveness of advertisements, monitor page usage and navigation during visits, and deliver interest-based advertisements to you. These entities may share this data with us. If you would like more information about this practice and to know your choices about certain kinds of online interest-based advertising, please visit AdChoices for your mobile device, National Advertising Initiative Consumer Opt Out, or Digital Advertising Alliance Your AdChoices. We do not guarantee the completeness or accuracy of these third-party tools, programs, or declarations.
We do not engage in the use of personal information, as governed by U.S. Privacy Laws, for "profiling" purposes that lead to "decisions producing legal or similarly significant effects," as defined under U.S. Privacy Laws. Should there be any changes to our practices, we will update this policy accordingly and provide you with the option to opt out of such activities, in accordance with the relevant U.S. Privacy Laws and subject to any permissible exceptions.
Residents of Colorado, Connecticut, and Virginia possess the right to appeal a decision made about a privacy request. To exercise this right, you should reply to the email we send that includes our response to your request, and follow the instructions provided in that email.
You possess the right to be free from discriminatory treatment, as prohibited by U.S. Privacy Laws, for exercising your privacy rights.
We offer various programs, benefits, and other opportunities to consumers that necessitate the collection and utilization of Personal Information, potentially qualifying as "financial incentives" or "price service differences" as defined under U.S. Privacy Laws. These initiatives may require gathering the following types of Personal Information from participants such as yourself: identifiers; personal records; characteristics or traits; transactional/commercial information; and internet usage data. This disclosure is provided to help you make an informed choice about whether to engage in our programs. Examples of the programs we offer include:
Sweepstakes, Promotions, and Contests: We periodically provide opportunities such as sweepstakes, promotions, and contests. Participation in these activities may offer you a financial incentive, such as chances to win prizes. For these time-limited events, we may collect and utilize your Personal Information, including identifiers; personal records; characteristics or traits; transactional/commercial information; and internet usage data. Your participation in any sweepstakes, promotions, and contests is subject to our Privacy Policy, our Terms of Use, and any specific terms and conditions applicable to these events. You can withdraw from these programs at any time by following the instructions provided in the relevant communications or the rules of the specific sweepstakes, promotions, and contests, or by emailing us at: privacy@joinjuno.com.
Email/Text Message Alerts: We offer the option for consumers to sign up for marketing-related emails and text message alerts pertaining to our Services. Participating in these programs might entitle you to financial incentives, such as exclusive promotional offers or discounts on third-party products or services. In exchange for your participation, we may collect your Personal Information, including your mobile phone number, name, and email address. Signing up for our free newsletter does not require a purchase, although standard text messaging rates and fees as determined by your mobile carrier may apply. These programs are governed by our Privacy Policy, our Terms of Use, and any additional terms provided prior to your enrollment. You can discontinue your participation in these programs at any time by following the opt-out instructions in the emails or text messages you receive from us.
Cash Back or Reduced Interest Rate Offers: We offer the option for consumers to apply for student loans, refinancing of student loans, checking accounts, savings accounts, insurance products and other products with third-party providers of these products. Utilization of these products may offer you a financial incentive, such as cash back or reduced interest rates. For these, we may collect and utilize your Personal Information. Your participation in any sweepstakes, promotions, and contests is subject to our Privacy Policy, our Terms of Use, and any specific terms and conditions applicable to these events. You can withdraw from these programs at any time by following the instructions provided in the relevant communications or by emailing us at privacy@joinjuno.com. Please review the privacy policy of third-party providers if you consent to sharing your Personal Information with these third-party providers or if you directly share your Personal Information with these third-party providers.
Although our Services are designed for users above the age of majority, any California residents under eighteen (18) years of age who have registered to use our Services and have posted content on the Sites may request the removal of such content. To request removal, please contact us, providing the specific location of the content on the Sites and confirming that you were the individual who posted it. We will then undertake reasonable efforts in good faith to remove the content from prospective public view or to anonymize it such that the minor cannot be individually identified, as required by applicable law. Please be advised that this removal process may not be able to achieve complete or comprehensive removal. For example, third parties, including search engines not under our control, may have republished or archived the content.
Furthermore, we may disclose "personal information," as defined under California's "Shine the Light" law, to third parties for their own direct marketing purposes. California residents have the right to opt out of this sharing by contacting us at privacy@joinjuno.com. Please include the statement "Shine the Light Request" in the body of your email. In your request, affirm that you are a California resident and provide a current California address for our response. This right is distinct from, and in addition to, rights provided under U.S. Privacy Laws and must be invoked separately. Opting out of Sell/Share/Target activities provides a broader protection, limiting our disclosure of personal information to third parties for their direct marketing purposes without the need for a separate Shine the Light request. Please note that Shine the Light requests cannot be accepted via telephone or fax and we are not responsible for requests that are not properly labeled, sent incorrectly, or are incomplete.
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at privacy@joinjuno.com or by mail using the details provided below:
51 Pleasant St, PMB 250, Malden, MA, 02148, United States
Nikhil Agarwal is designated as the employee responsible for the information security program at LeverEdge Association. Nikhil Agarwal can be contacted via email at privacy@joinjuno.com for any privacy related concerns.
This Privacy Notice is effective as of the date specified above. We reserve the right to modify this Privacy Notice periodically to reflect changes in technology, industry practices, regulatory requirements, or for other purposes deemed necessary by the organization.
Should any amendments be made, the "last updated" date at the top of this Privacy Notice will be revised, and the updated policy will be published on this page. This ensures that you remain informed about the data we collect, how it is utilized, and the circumstances under which it may be disclosed. In certain situations, particularly when significant changes are made or as mandated by applicable privacy laws, we will notify you of these changes. Such notifications may be delivered via email, by posting a notice on our Services or Sites, or through other methods in accordance with legal requirements. Continued use of our Services or Sites following the implementation of any updates will signify your recognition and, as applicable, acceptance of the changes.
LeverEdge Association TERMS OF USE
LeverEdge Association (“Us” or “We”) provides the joinjuno.com site and services provided therein (collectively, the “site”) to you, the user, subject to your compliance with all the terms, conditions, and notices contained or referenced herein (the “Terms of Use”), as well as any other written agreement between us and you. In addition, when using particular services or materials on the site, users shall be subject to any posted rules applicable to such services or materials that may contain terms and conditions in addition to those in these Terms of Use. All such guidelines or rules are hereby incorporated by reference into these Terms of Use.
BY REGISTERING FOR AND USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT WISH TO BE BOUND BY THE THESE TERMS OF USE, PLEASE EXIT THE SITE NOW. YOUR REMEDY FOR DISSATISFACTION WITH THIS SITE, OR ANY PRODUCTS, SERVICES, CONTENT, OR OTHER INFORMATION AVAILABLE ON OR THROUGH THIS SITE, IS TO STOP USING THE SITE AND/OR THOSE PARTICULAR PRODUCTS OR SERVICES. YOUR AGREEMENT WITH US REGARDING COMPLIANCE WITH THESE TERMS OF USE BECOMES EFFECTIVE IMMEDIATELY UPON COMMENCEMENT OF YOUR USE OF THIS SITE.
These Terms of Use are effective as of November 21, 2018. We expressly reserve the right to change these Terms of Use from time to time effective immediately, but will notify you of any change via email. You acknowledge and agree that it is your responsibility to review this site, these Terms of Use, and monitor your email for any such email notice to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgement of the modified Terms of Use and agreement to abide and be bound by the modified Terms of Use.
As used in these Terms of Use, references to our “Affiliates” include our owners, subsidiaries, affiliated companies, officers, directors, suppliers, partners, sponsors, and advertisers, and includes (without limitation) all parties involved in creating, producing, and/or delivering this site and/or its contents.
We make various services available on this site including, but not limited to, student loan repayment referrals, and other like services (the “services”). You are responsible for providing, at your own expense, all equipment necessary to use the services, including a computer, modem, and Internet access (including payment of all fees associated with such access, if any).
We reserve the sole right to either modify or discontinue the site, including any of the site’s features, at any time with or without notice to you. We will not be liable to you or any third party should we exercise such right. Any new features that augment or enhance the services on this site shall also be subject to these Terms of Use.
We reserve the sole right to display advertising to you, to facilitate third party offers and to partner or affiliate with any other person for the purpose of marketing additional services or products to you. You acknowledge that the services offered on the site are the only services offered to you and are delivered via your access to the site only and your use of the site does not include any live, personal or one-on-one counseling or communication.
Your use of the services constitutes your acknowledgment and acceptance of the following specific requirements and terms of use for certain of our Services.
In order to access some of the services on this site, you will be required to use an account and password that can be obtained by completing our online registration form, which requests certain information and data (“Registration Data”), and maintaining and updating your Registration Data as required. By registering, you agree that all information provided in the Registration Data is true and accurate and that you will maintain and update this information as required in order to keep it current, complete, and accurate.
You also grant us the right to disclose to third parties certain Registration Data about you. The information we obtain through your use of this site, including your Registration Data, is subject to our Privacy Policy, which is specifically incorporated by reference into this Terms of Use.
By completing our online registration form, you also hereby grant to us permission and designate us as your agent for the sole purpose of obtaining all of your student loan data. This includes granting us permission to access websites of the owners and/or servicers of your student loans for this purpose. This also includes your express permission for the Lender to whom you are applying to share information with us about your application and loan, including your credit information related thereto and whether or not you are approved for and take out a loan. You also grant us permission to upload your student loan data to the site and to analyze it for the purpose of sharing repayment options with you
Your use of the site is subject to all applicable laws and regulations, and you are solely responsible for the substance of your communications through the site. By posting information in or otherwise using any communications service, chat room, message board, newsgroup, software library, or other interactive service that may be available to you on or through this site, you agree that you will not upload, share, post, or otherwise distribute or facilitate distribution of any content — including text, communications, software, images, sounds, data, or other information — that:
a. is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise violates our 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, or disability;
c. infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;
d. constitutes unauthorized or unsolicited advertising, junk or bulk email (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. impersonates any person or entity, including any of our employees or representatives.
We neither endorse nor assume any liability for the contents of any material uploaded or submitted by third party users of the site. We do not pre-screen, monitor, or edit the content posted by users of communications services, chat rooms, message boards, newsgroups, software libraries, or other interactive services that may be available on or through this site. However, we and our agents have the right at our sole discretion to remove any content that, in our judgment, does not comply with these Terms of Use and any other rules of user conduct for our site, or is otherwise harmful, objectionable, or inaccurate. We are not responsible for any failure or delay in removing such content. You hereby consent to such removal and waive any claim against us arising out of such removal of content. See “Use of Your Materials” below for a description of the procedures to be followed in the event that any party believes that content posted on this site infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party.
In addition, you may not use your account to breach security of another account or attempt to gain unauthorized access to another network or server. Not all areas of the site may be available to you or other authorized users of the site. You shall not interfere with anyone else’s use and enjoyment of the site or other similar services. Users who violate systems or network security may incur criminal or civil liability.
You agree that we may at any time, and at our sole discretion, terminate your membership, account, or other affiliation with our site without prior notice to you for violating any of the above provisions. In addition, you acknowledge that we will cooperate fully with investigations of violations of systems or network security at other sites, including cooperating with law enforcement authorities in investigating suspected criminal violations.
This site may link you to other sites on the Internet or otherwise include references to information, documents, software, materials and/or services provided by other parties. These sites may contain information or material that some people may find inappropriate or offensive. These other sites and parties are not under our control, and you acknowledge that we are not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites, nor are we responsible for errors or omissions in any references to other parties or their products and services. The inclusion of such a link or reference is provided merely as a convenience and does not imply endorsement of, or association with, the site or party by us, or any warranty of any kind, either express or implied.
For purposes of these Terms of Use, “content” is defined as any information, data, communications, software, photos, video, graphics, music, sounds, and other material and services that can be viewed by users on our site. This includes message boards, chat, and other original content.
By accepting these Terms of Use, you acknowledge and agree that all content presented to you on this site is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws, and is the sole property of LeverEdge Association and/or its Affiliates. You are only permitted to use the content as expressly authorized by us or the specific content provider. Except for a single copy made for personal use only, you may not copy, reproduce, modify, republish, upload, post, transmit, or distribute any documents or information from this site in any form or by any means without prior written permission from us or the specific content provider, and you are solely responsible for obtaining permission before reusing any copyrighted material that is available on this site. Any unauthorized use of the materials appearing on this site may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.
Neither we nor our Affiliates warrant or represent that your use of materials displayed on, or obtained through, this site will not infringe the rights of third parties. See “User’s Materials” below for a description of the procedures to be followed in the event that any party believes that content posted on this site infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party. All custom graphics, icons, logos and service names are registered trademarks, trademarks or service marks of LeverEdge Association or its Affiliates. All other trademarks or service marks are property of their respective owners. Nothing in these Terms of Use grants you any right to use any trademark, service mark, logo, and/or the name of LeverEdge Association or its Affiliates.
Subject to our Privacy Policy, any communication or material that you transmit to this site or to us, whether by electronic mail, post, or other means, for any reason, will be treated as non-confidential and non-proprietary. While you retain all rights in such communications or material, you grant us and our agents and affiliates a non-exclusive, paid-up, perpetual, and worldwide right to copy, distribute, display, perform, publish, translate, adapt, modify, and otherwise use such material for any purpose regardless of the form or medium (now known or not currently known) in which it is used.
You shall not submit confidential or proprietary information to us unless we have mutually agreed in writing as to its protection and confidentiality.
We respect the intellectual property of others, and we require you to do the same. If you or any user of this site believes its copyright, trademark or other property rights have been infringed by a posting on this site, you or the user should send notification to our Designated Agent (as identified below) immediately. To be effective, the notification must include:
1. Identify in sufficient detail the copyrighted work that you believe has been infringed upon or other information sufficient to specify the copyrighted work being infringed).
2. Identify the material that you claim is infringing the copyrighted work listed in item #1 above.
3. Provide information reasonably sufficient to permit us to contact you (email address is preferred).
4. Provide information, if possible, sufficient to permit us to notify the owner/administrator of the allegedly infringing webpage or other content (email address is preferred).
5. Include the following statement: “I have a good faith belief that use of the copyrighted materials described above as allegedly infringing is not authorized by the copyright owner, its agent, or the law.”
6. Include the following statement: “I swear, under penalty of perjury, that the information in the notification is accurate and that I am the copyright owner or am authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.”
7. Sign the paper.
8. Send the written communication to the following address:
Designated Agent for Claimed Infringement: Contact: Nikhil Agarwal Address: 6 Soldiers Field Park, APT 505, Boston, MA 02163 Phone: (206) 569-8739
You acknowledge and agree that upon receipt of a notice of a claim of copyright infringement, we may immediately remove the identified materials from our site without liability to you or any other party and that the claims of the complaining party and the party that originally posted the materials will be referred to the United States Copyright Office for adjudication as provided in the Digital Millennium Copyright Act.
ALL MATERIALS AND SERVICES ON THIS SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THE WARRANTY OF NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT (A) THE SERVICES AND MATERIALS WILL MEET YOUR REQUIREMENTS, (B) THE SERVICES AND MATERIALS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES OR MATERIALS WILL BE EFFECTIVE, ACCURATE OR RELIABLE, OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, OR INFORMATION PURCHASED OR OBTAINED BY YOU FROM THE SITE FROM US OR OUR AFFILIATES WILL MEET YOUR EXPECTATIONS OR BE FREE FROM MISTAKES, ERRORS OR DEFECTS. THIS SITE COULD INCLUDE TECHNICAL OR OTHER MISTAKES, INACCURACIES OR TYPOGRAPHICAL ERRORS. WE MAY MAKE CHANGES TO THE MATERIALS AND SERVICES AT THIS SITE, INCLUDING THE PRICES AND DESCRIPTIONS OF ANY PRODUCTS LISTED HEREIN, AT ANY TIME WITHOUT NOTICE. THE MATERIALS OR SERVICES AT THIS SITE MAY BE OUT OF DATE, AND WE MAKE NO COMMITMENT TO UPDATE SUCH MATERIALS OR SERVICES.
THE USE OF THE SERVICES OR THE DOWNLOADING OR OTHER ACQUISITION OF ANY MATERIALS THROUGH THIS SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND WITH YOUR AGREEMENT THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM SUCH ACTIVITIES. Through your use of the site, you may have the opportunities to engage in commercial transactions with other users and vendors. You acknowledge that all transactions relating to any merchandise or services offered by any party, including, but not limited to the purchase terms, payment terms, warranties, guarantees, maintenance and delivery terms relating to such transactions, are agreed to solely between the seller or purchaser of such merchandise and services and you. WE MAKE NO WARRANTY REGARDING ANY TRANSACTIONS EXECUTED THROUGH, OR IN CONNECTION WITH THIS SITE, WITH ANY THIRD PARTY AND YOU UNDERSTAND AND AGREE THAT SUCH TRANSACTIONS ARE CONDUCTED ENTIRELY AT YOUR OWN RISK. ANY WARRANTY THAT IS PROVIDED IN CONNECTION WITH ANY PRODUCTS, SERVICES, MATERIALS, OR INFORMATION AVAILABLE ON OR THROUGH THIS SITE FROM A THIRD PARTY IS PROVIDED SOLELY BY SUCH THIRD PARTY, AND NOT BY US OR ANY OTHER OF OUR AFFILIATES.
You understand and agree that temporary interruptions of the services available through this site may occur as normal events. You further understand and agree that we have no control over third party networks you may access in the course of the use of this site, and therefore, delays and disruption of other network transmissions are completely beyond our control. You understand and agree that the services available on this site are provided “AS IS” and that we assume no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings.
IN NO EVENT SHALL WE OR OUR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR OF ANY WEB SITE REFERENCED OR LINKED TO FROM THIS SITE.
FURTHER, WE SHALL NOT BE LIABLE IN ANY WAY FOR THIRD PARTY GOODS AND SERVICES OFFERED THROUGH THIS SITE OR FOR ASSISTANCE IN CONDUCTING COMMERCIAL TRANSACTIONS THROUGH THIS SITE, INCLUDING WITHOUT LIMITATION THE PROCESSING OF ORDERS.
SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Upon a request by us, you agree to defend, indemnify, and hold us and our Affiliates harmless from all liabilities, claims, and expenses, including attorney’s fees, that arise from your use or misuse of this site. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
You are solely responsible for maintaining the confidentiality of your password and account and for any and all statements made and acts or omissions that occur through the use of your password and account. Therefore, you must take steps to ensure that others do not gain access to your password and account. Our personnel will never ask you for your password. You may not transfer or share your account with anyone, and we reserve the right to immediately terminate your account if you do transfer or share your account.
From time to time, this site may include advertisements offered by third parties. You may enter into correspondence with or participate in promotions of the advertisers showing their products on this site. Any such correspondence or promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such correspondence or promotions, are solely between you and the advertiser. We assume no liability, obligation or responsibility for any part of any such correspondence or promotion.
We may make email, messaging, blogging, or chat services (collectively, “Communications”) available to users of our site, either directly or through a third-party provider. We make available separate supplemental agreements characterizing the relationship between you and us that, except where expressly noted or contradictory, includes these Terms. We will not inspect or disclose the contents of private Communications except with the consent of the sender or the recipient, or in the narrowly-defined situations provided under the Electronic Communications Privacy Act, or as other required by law or by court or governmental order. Further information is available in our Privacy Policy.
We may employ automated monitoring devices or techniques to protect our users from mass unsolicited communications (also known as “spam”) and/or other types of electronic communications that we deem inconsistent with our business purposes. However, such devices or techniques are not perfect, and we will not be responsible for any legitimate communication that is blocked, or for any unsolicited communication that is not blocked.
Mailboxes may have a limited storage capacity. If you exceed the maximum permitted storage space, we may employ automated devices that delete or block email messages that exceed the limit. We will not be responsible for such deleted or blocked messages.
Although this site may be accessible worldwide, we make no representation that materials on this site are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws. Any offer for any product, service, and/or information made in connection with this site is void where prohibited.
You agree that we may, in our sole discretion, terminate or suspend your access to all or part of the site with or without notice and for any reason, including, without limitation, breach of these Terms of Use. Any suspected fraudulent, abusive or illegal activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities.
Upon termination or suspension, regardless of the reasons therefore, your right to use the services available on this site immediately ceases, and you acknowledge and agree that we may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or this site. We shall not be liable to you or any third party for any claims or damages arising out of any termination or suspension or any other actions taken by us in connection with such termination or suspension. Upon termination, any unearned portion of fees paid by you will be refunded on a pro-rata basis.
This site (excluding any linked sites) is controlled by us from our offices within Boston, MA. It can be accessed from all 50 states, as well as from other countries around the world. Both of us agree that the statutes and laws of the State of Massachusetts, without regard to the conflicts of laws principles thereof and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this site and the purchase of products and services available through this site.
All notices to a party shall be in writing and shall be made either via email or conventional mail. Notices to us must be sent to the attention of Customer Service at hello@joinjuno.com, if by email, or at 6 Soldiers Field Park APT 505, Boston, MA, 02163 if by conventional mail. Notices to you may be sent to the email address supplied by you as part of your Registration Data. In addition, we may broadcast notices or messages through the site to inform you of changes to the site or other matters of importance, and such broadcasts shall constitute notice to you at the time of sending.
Data Security Breach Notification
In the event of a data security breach that requires us to notify you, we will send you notification by email. You must therefore keep your registered email address current. You must promptly notify us of any change in your email address on record contacting hello@joinjuno.com and providing your updated email address and updating your contact information. By your continued use of the site and our services, you consent to receive electronic notice in the event of such a breach.
These terms and conditions constitute the entire agreement and understanding between us concerning the subject matter of this agreement and supersedes all prior agreements and understandings of the parties with respect to that subject matter. These Terms of Use may not be altered, supplemented, or amended by the use of any other document(s). Any attempt to alter, supplement or amend this document or to enter an order for products or services which are subject to additional or altered terms and conditions shall be null and void, unless otherwise agreed to in a written agreement signed by you and us. To the extent that anything in or associated with this site is in conflict or inconsistent with these Terms of Use, these Terms of Use shall take precedence.
In any action to enforce these Terms of Use, the prevailing party will be entitled to costs and attorneys fees. Any cause of action brought by you against us or our Affiliates must be instituted with one year after the cause of action arises or be deemed forever waived and barred.
You may not assign your rights and obligations under these Terms of Use to any party, and any purported attempt to do so will be null and void. We may free assign our rights and obligations under these Terms of Use.
You agree not to sell, resell, reproduce, duplicate, copy or use for any commercial purposes any portion of this site, or use of or access to this site.
In addition to any excuse provided by applicable law, we shall be excused from liability for non-delivery or delay in delivery of products and services available through our site arising from any event beyond our reasonable control, whether or not foreseeable by either party, including but not limited to, labor disturbance, war, fire, accident, adverse weather, inability to secure transportation, governmental act or regulation, and other causes or events beyond our reasonable control, whether or not similar to those which are enumerated above.
If any part of these Terms of Use is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
Any failure by us to enforce or exercise any provision of these Terms of Use or related rights shall not constitute a waiver of that right or provision.
Except as explicitly noted on this site, the services available through this site are offered by LeverEdge Association located at 6 Soldiers Field Park, APT 505, Boston, MA, 02163, United States.
1. Written Agreement or Contract. The agreement between you and our company must be in writing, signed, and must contain the following details: a complete description of services to be performed; complete details of payment; any guarantees; the time frame encompassed by the contract; a description of any offers of full or partial refund; and a notice informing you of the importance of reading the contract and of retaining a copy for your records.
2. Escrowing of Consumer Funds. Funds paid by you in advance must be deposited in an escrow account until services are completed. The only exceptions are fees paid to 3rd parties for the actual costs of the following items or services: credit reporting, appraisals, investigation reports, title examinations or property surveys.
3. Consumer Protection Bond. A $25,000 consumer protection bond is on file with the State of Maine. If you have a claim against our company that cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Superintendent, Bureau of Consumer Credit Protection, 35 State House Station, Augusta, Maine 04333-0035
The Juno Referral Program rewards anyone who refers their friends or family members to refinance and/or originate their student loan(s) with a loan negotiated by LeverEdge Association (Juno) as long as the lender pays us a referral fee for the refinanced and/or originated loan. The referring person does NOT need to be a member of a Juno negotiation group.
Juno will reward $100 to the referrer and $100 to the referred borrower for each new borrower who takes an in school student loan that is referred as part of our negotiation groups starting July 11, 2022. If your friend takes a refinance loan instead, you'll get $300 and they'll receive either a cash reward or discount depending on their profile (starting August 15, 2023). For referrals prior to that date, both parties receive $100.
Additionally, based on the number of referred borrowers that originate graduate student loans with a lender partnered with Juno, Juno will additionally reward prizes to the referrer as shown below, based on a program start date of March 5, 2024:
Note that refinance loans, high yield savings, and other deals do not count within the milestone reward program.
For 500 referred borrowers, if the referrer is a student at an eligible program, Juno will reward 1 year's tuition up to a maximum of $80,000. Eligible programs are programs that are eligible for Graduate Student Loans from a lender partnered with Juno. If the referrer is not a student at an eligible program, Juno will reward $50,000.
Numbers shown on the rewards tracker including, but not limited to, 'Members Referred by You', '# Taking the Deal', and 'Expected Cash Reward' are provisional and subject to change before any rewards are paid out.
The referred borrower must have refinanced and/or originated their student loan(s) with a loan negotiated by Juno for which Juno is paid a referral fee by the lender. Juno will only pay one referral payment per borrower, regardless of when or how many loans refinanced and/or consolidated by the borrower.
• Referred borrowers can only be referred by one person.
• Referrals cannot be made for existing Juno customers or applicants.
• Self-referrals are not permitted.
• Juno Referral Program payments will not be made for borrowers who have been referred to Juno through one of our partners or affiliates.
• Referrals must be made through the Juno website and/or via Email to support@joinjuno.com.
• Juno must be made aware of the referral by either the referred borrower or the referring person.
• Juno does not guarantee that mechanisms put in place for automatically tracking referrals will work flawlessly. If you find that referred borrowers are not properly attributed to you, Juno will work with you to remedy the situation. Juno retains all discretion in determining which borrowers were referred by you.
• To determine the number of referred members that take the negotiated loan, we may use a variety of methods. Some of these methods may be estimates. If the estimates are lower than your expectation, we will work with you to remedy the situation.
• Juno may discontinue and/or modify the rewards and other terms of the Juno Referral Program at any time.
• Juno reserves the right to close the account(s) of any Referrer and/or Referred Borrower and to request return of rewards if the Referrer and/or Referred Borrower attempts to use the Juno Referral Program in a questionable manner or breaches any of these Terms & Conditions or is in violation of any law, statute or governmental regulation.
• In order to receive your referral payment, you will need to provide Juno with necessary information including your address (for those receiving payment by check or physical rewards) and your social security number. If Juno does not have this information, we will reach out to you to obtain, but will not make payment until we have it.
• No third parties outside of the referrer and the referred borrower may receive referral payment.
• There is no limit to how much you can earn.
• Juno will report to the IRS the value of any Student Loan Referral Program rewards. Any applicable taxes are the responsibility of the recipient.
• Payments will be made within 4 weeks after we receive our referral fee from the lender for the closed loan.
• If you qualify for a prize and have no use for the prize or do not wish to receive the prize, you may request Juno for an alternate prize of equal or lesser value. Juno, at its sole discretion will decide if the alternate prize can be rewarded.
Employees and contractors of LeverEdge Association are ineligible to participate in the Juno Referral Program.