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Effective May 28, 2024

LeverEdge Privacy Policy

Section 1. INTRODUCTION

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:

  1. Our “Services”, which include our: (i) online services, websites, or applications (collectively, “Sites”); (ii) co-branded web pages or websites; (iii) advertising services; (iv) emails or newsletters we sponsor or send; (v) contests, sweepstakes, promotions, events, research and surveys that we sponsor or conduct; and, (vi) other content, products and services that we make available to consumers, customers, subscribers, and/or users (collectively, “Users”). “Services” also include any interactive features, widgets, plug-ins, applications, content, downloads and/or other online or offline services that we own and control (including those made available through a Site), and in each case wherever this Notice is posted.
  2. Individuals who subscribe to receive news, information, and marketing communications from us.
  3. Individuals who engage with us in webinars and at conferences, or other events in which we participate.
  4. Users and other individuals that communicate or engage with us related to our Services.

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.

Aggregate and Non-identifiable Information

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.

Section 2. COLLECTION, USE, AND DISCLOSURE OF PERSONAL INFORMATION

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.

WHAT INFORMATION DO WE COLLECT ABOUT YOU?
Information you provide us.

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:

  • Your Name
  • Your Email Address
  • Your School / University Information
  • Your Educational Program Information
  • Your Graduation Year
  • Your Immigration Status
  • Your Social Security Number
  • If you have a Cosigner
  • Your Cosigner's Immigration Status
  • Your Credit Score
  • Your Cosigner's Credit Score
  • Your Annual Income
  • Your Loan Balance
  • If you have a job offer
  • If you are employed

We refer to this Personal Information as "Order Information."

Information we collect automatically about you.

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:

  • “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
  • “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
  • “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.
PROCESSING PURPOSES:

Generally, we collect, use, and disclose your personal information in connection with the operation of our business, including for the following Processing Purposes:

  1. a. Account Management: We process your registration, verify your information, and manage your account on our Sites.
  2. b. Customer Service and Communication: We use your information to respond to your inquiries, manage our relationship with you, communicate changes to our policies, and verify your eligibility for certain services.
  3. c. Research and Development: Your information helps us in beta testing, understanding user interactions, and improving our Sites and Services based on user preferences and feedback.
  4. d. Transaction Processing and Service Provision: We use your information to process transactions, manage accounts, and deliver services or information you have requested, or to provide you with special offers or promotional materials on behalf of ourselves or select third parties ("Third-Party Partners") that may interest you.
  5. e. Support, Maintenance, and Fulfillment: Your information aids us in providing, maintaining, and fulfilling requests or applications related to our Services and Sites.
  6. f. Advertising and Marketing: We use your information for ad measurement, attribution, and administration to optimize advertising effectiveness and placement. This includes conducting market research, administering customer satisfaction surveys, and personalizing your experience with relevant content and recommendations.
  7. g. Facilitating Relationships with Third-Party Partners: We may share your personal information with Third-Party Partners to facilitate marketing and provide services concerning their products, which we believe might interest you. These partners may include entities in the financial services, scholarship provision, and consumer service industries.
  8. h. Engagement with Vendors and Providers: We engage vendors, agents, and service providers to facilitate the internal operations of our Sites and Services, which may include operational and technical support processing, data storage, and other services. These entities may access or process personal information on our behalf.
  9. i. Customizing User Experience: We aim to enhance your experience by delivering curated content and marketing tailored to your interests on our Sites, including promotions related to our products or services, our affiliates, or our Third-Party Partners.
  10. j. Legal Compliance and Security: We use your information for identity verification, to prevent fraud, and to comply with legal obligations. This includes ensuring the safety and security of our Services and complying with our Terms of Use and Privacy Policy.
  11. k. Disclosed and Compatible Purposes: We may use your information for purposes disclosed at the time of collection or for purposes compatible with the original collection, such as legitimate business interests in protecting and improving our Services.
  12. l. Fulfilling any other purpose for which you give your consent. We may use your information for any other purpose for which you provide consent.
PERSONAL INFORMATION WE COLLECT AND SELLING/SHARING OF PERSONAL INFORMATION

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.

Category of Personal Information Processing Purposes Categories of Recipients
1. Identifiers (Contact information such as name, email address, postal address, telephone number, unique personal identifier, Internet Protocol address, cookie ID, and other online or unique identifiers)." a, b, c, d, e, f, g, h, i, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Marketing Vendors · Affiliates and Related Entities Sale/Sharing Recipients: · Third-Party Digital Businesses · Third-Party Partners
2. Personal Data and Records (Records such as phone numbers, addresses and profile information including year in school, school attended, employment, employment history, presence of a cosigner, income, receipt of a job offer.) a, b, c, d, e, f, g, h, i, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Marketing Vendors · Affiliates and related entities Sale/Sharing Recipients: · Third-Party Partners · Third-Party Digital Businesses
3. Protected Personal Characteristics under state or federal law (such as date of birth, gender, veteran or military status, racial or ethnic origin, religious or philosophical beliefs, and immigration status.) a, c, d, e, g, h, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Marketing Vendors · Affiliates and related entities Sale/Sharing Recipients: · Third-Party Partners · Third-Party Digital Businesses
4. Commercial Information (includes data on products and services used, purchased, or considered through our Site and other purchasing or consuming histories provided by 3rd party businesses who may be found through our Site and associated properties.) a, b, c, d, e, f, g, h, i, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Marketing Vendors · Payment processing vendors · Affiliates and related entities Sale/Sharing Recipients: · Third-Party Partners · Third-Party Digital Businesses
5. Biometric Information (such as fingerprints, voiceprints, and facial recognition.) NONE Not Collected or Used
6. Usage Data / Internet Activity (such as browsing history, search history, online behavior, access logs, information regarding your interactions with our and other websites or marketing emails. Also includes data associated with online advertising and your usage preferences on our sites and related properties). a, b, c, d, e, f, g, h, i, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Marketing Vendors · Affiliates and related entities Sale/Sharing Recipients: · Third-Party Digital Businesses · Third-Party Partners
7. Geolocation Data (such as device location data.) a, b, c, d, e, f, g, h, i, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Marketing Vendors · Affiliates and related entities Sale/Sharing Recipients: · Third-Party Digital Businesses · Third-Party Partners
8. Audiovisual and Similar Information (such as images or audio we may record in connection with business activities including customer service). a, b, c, d, e, f, g, h, i, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Affiliates and related entities Sale/Sharing Recipients: · Not Applicable
9. Professional or employment-related Information (such as your employment title, name of organization, professional experience and expertise, and education related information.) a, b, c, d, e, f, g, h, i, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Marketing Vendors · Affiliates and related entities Sale/Sharing Recipients: · Third-Party Digital Businesses · Third-Party Partners
10. Non-public Education Records (such as student records and directory information.) a, b, c, d, e, f, g, h, i, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Marketing Vendors · Affiliates and related entities Sale/Sharing Recipients: · Third-Party Partners Third-Party Digital Businesses
11. Inferences drawn from Personal Information (such as inferences drawn from any of the personal information collected in the lists above to create a profile of a user’s preferences and characteristics). NONE Inferences are not used.
Sensitive Personal Information
Category of Personal Information Processing Purposes Categories of Recipients
Account information and password (we may store your account log-in information for our Sites in combination with a password in our database.) a, b, d, e, h, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Affiliates and related entities Sale/Sharing Recipients: · Not Applicable
Identification Numbers issued by the U.S. Government and related entities (such as social security number, tax ID, or alien registration number (A-number).) a, d, e, g, h, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Affiliates and related entities Sale/Sharing Recipients: · Not Applicable
Sensitive Personal Characteristics (Includes information you may choose to provide about race, gender, ethnicity, and age when you use select services such as scholarship search filters). a, c, d, e, g, h, j, k, l Disclosures for business purposes: · Software, communications, storage and other business Vendors · Marketing Vendors · Affiliates and related entities Sale/Sharing Recipients: · Third-Party Partners · Third-Party Digital Businesses

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:

  1. To you or other parties at your request or through your deliberate actions;
  2. To government entities or private parties to comply with applicable laws or legal processes;
  3. In connection with corporate transactions such as divestitures, mergers, consolidations, or asset sales, where such information will be transferred to the buyer or successor entity;
  4. Additionally, our Vendors and other recipients mentioned in the table above may, subject to contractual restrictions imposed by us and/or legal obligations, use and disclose your personal information. For instance, our Vendors and other categories of recipients listed in the table may engage subcontractors to perform services for us or process information for our business purposes.
PROCESSING PURPOSES THAT MAY INVOLVE SALE, SHARING, TARGETED ADVERTISING, AND PROFILING

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:

  1. Facilitating your relationship with our Third-Party Partners; and
  2. For purposes disclosed at the time you provide your personal information.

Processing purposes that may involve selling and/or processing your personal information for targeted advertising include:

  1. Facilitating your relationship with our Third-Party Partners;
  2. Targeting advertisements;
  3. Ad measurement, attribution, and other ad administration; and
  4. For purposes disclosed at the time you provide your personal information.
PERSONAL INFORMATION OF CHILDREN AND MINORS

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 (857) 353-8874 to opt-out of future sales or sharing or to inform us if your minor child is under the age of 13.

DATA RETENTION

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.

Section 3. CONSUMER RIGHTS REQUESTS

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.

MAKING A PRIVACY RIGHTS REQUEST AND SCOPE OF REQUESTS

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:

  1. Email us at privacy@joinjuno.com;
  2. Call us at (857) 353-8874; or
  3. Visit our Consumer Rights Request Form

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:

  1. Email us at privacy@joinjuno.com;
  2. Call us at (857) 353-8874; or
  3. Visit our Opt Out Request Form

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.

VERIFYING 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:

  1. Full name;
  2. Mailing address;
  3. Email address; and
  4. Telephone number.

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:

  1. If we cannot verify your deletion request, we will refer you to this Notice for a general description of our data practices.
  2. If we cannot verify your request for specific pieces of information, we will treat it as a request for categories of information.
AUTHORIZING AN AGENT

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.

Response Timing and Format

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.

YOUR CONSUMER PRIVACY RIGHTS
RIGHT TO LIMIT THE PROCESSING OF SENSITIVE PERSONAL INFORMATION

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.

RIGHT TO KNOW/ACCESS

You have the right to request detailed information about our collection, use, and disclosure of your personal information. Specifically, you can ask us to:

  1. Confirm whether we are processing your personal information;
  2. Provide the categories of personal information we have collected about you;
  3. Identify the categories of sources from which we collected the personal information;
  4. Explain our business or commercial purpose for collecting or selling that personal information;
  5. List the categories of personal information disclosed for a business purpose in the last 12 months and, for each category, the categories of recipients; and
  6. List the categories of personal information sold or shared about you in the last 12 months and, for each, the categories of recipients.

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.

RIGHT TO DELETE

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.

RIGHT TO CORRECT

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.

RIGHT TO OPT OUT OF TARGETED ADVERTISING, SALES, and SHARING

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.

Your Additional Cookie Options

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.

USE OF PERSONAL INFORMATION FOR PROFILING

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.

APPEAL RIGHTS

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.

RIGHT TO NON-DISCRIMINATION

You possess the right to be free from discriminatory treatment, as prohibited by U.S. Privacy Laws, for exercising your privacy rights.

Notification of Financial Incentives

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.

Section 4. ADDITIONAL NOTICES FOR CALIFORNIA RESIDENTS

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.

Section 5. CONTACT US

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.

Section 6. UPDATES

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.