Thank you for visiting CharterisMusicSchool.com (hereinafter referred to as the "site" or "our company" or "we" or "our"). This Privacy Policy refers to the CharterisMusicSchool.com website. Our company is committed to safeguarding your privacy online. This website tells users (herinafter referred to as "you" or "applicant") of our site, the services provided, the information collected by CharterisMusicSchool.com, how CharterisMusicSchool.com uses and shares this information. Please take time to read this policy to understand how your personal information is treated as you use the service we have for you.

This policy will be continuously assessed against new technologies, business practices and our customers' needs. We reserve the right to modify this privacy statement at any time, so please bookmark us and review our Privacy Policy for the most current version. All amended terms become effective immediately and applied retrospectively if you use our site after Policy amendment.

You are bound by the terms and conditions of this Privacy Policy if you use this site. If you do not agree with this Privacy Policy, please do not visit or use this site.

What Information Do We Collect?

We are not a lender, but a service to help visitors find trustworthy online lenders. Our company collects information to provide a safe, personalised and effective experience for you, our customer. We only collect necessary information from you when you provide information about yourself in an application form to apply to one or more of our participating lenders in our lender network.

The two types of information we collect are(a) personally identifiable information and (b) non-personally identifiable information.

Personally identifiable information includes your name, address (physical and email), telephone number, driver's licence number and state, social security number, home ownership information, employment information, amount and frequency of your paychecks, active military information, the amount of loan you wish, your state of residence, your bank account and/or financial information. Through the site's contact form and email system, optional personal information can also be collected.

If you choose to subscribe to our free newsletter, we only collect your name and email address for the purpose of distributing that newsletter. You can unsubscribe at any time using the unsubscribe link at the bottom of every newsletter, or by contacting us. We are fully compliant with the CANSPAM Act of 2003, the Federal anti-spam law.

We also collect non-personally identifiable information (see Website-Use Information).

Website-Use Information

Similar to other commercial Websites, our Website utilizes a standard technology called "cookies" (see explanation below, "What Are Cookies?") and web server log files to collect information about how our Website is used. Information gathered through cookies and Web server logs may include IP addresses, the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site. This data collected is non-personally identifiable.

What Are Cookies?

A cookie is a very small text document, which often includes an anonymous unique identifier. As you visit and browse our Web site, the site uses cookies to differentiate you from other users.

When you visit a Web site, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each Web site can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a Web site to access the cookies it has already sent to you, not the cookies sent to you by other sites. Browsers are usually set to accept cookies. However, if you would prefer not to receive cookies, you may alter the configuration of your browser to refuse cookies. If you choose to have your browser refuse cookies, it is possible that some areas of our site will not function as effectively when viewed by the users. A cookie cannot retrieve any other data from your hard drive or pass on computer viruses. This information that is collected is not linked to information that can identify an individual.

How Do We Use Information We Collect from Cookies?

Cookies, in conjunction with our Web server's log files, allow us to calculate the aggregate number of people visiting our Web site and which parts of the site are most popular. This helps us gather feedback to constantly improve our Web site and better serve you. Cookies do not allow us to gather any personal information about you and we do not intentionally store any personal information that your browser provided to us in your cookies.

Some of our business partners may use cookies on our site which may be tied to personal information. We have no access to or control over these cookies.

IP Addresses

IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as traffic data so that data (such as the Web pages you request) can be sent to you.

Who Collects Information?

When you use our site and enter your personal information, you share that information with our company. You agree that information can be collected by, maintained by, or transferred to other entity within our company's sole judgement. You also agree that information can be combined, refined and/or used with data from other websites which are owned and/or operate, in whole or partly, by our company.

Websites that are linked to our site and their advertisers may collect personally identifiable information about you. This policy does not cover information practices of other websites linked to this site. Our company has no responsibility or liability for policy practices of advertisers linked to our site.

How Do We Use the Information That You Provide to Us?

Broadly speaking, we use personal information that you volunteer for purposes of administering our business activities, providing the products and services you requested, to aid us in protecting our visitors from fraud or hackers, enforce our terms and conditions, marketing and promotional efforts and improve our content and service offerings, and customize our site's content, layout, services and for other reasons our company deems appropriate. These uses improve our site and better tailor it to meet your needs.

Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at the link provided on the newsletter.

Because we provide services to your free of charge, we display advertisements. By accepting the Privacy Policy and User Agreement, you express agreement to receive these advertisement.

We may share non-personally identifiable information with third parties on an aggregate basis (statistical data that shows trends by all users, without personally identifiable data) for website statistics and trend analysis. Personally identifiable information or business information will not be shared with third parties except as required by law.

With Whom Do We Share Your Information?

CharterisMusicSchool.com may use your personally-identifiable information (including social security number and financial information) with our participating lenders and third parties we have a business relationship with. They may use your information to offer you a loan or to inform you about other marketing offers or business that may be of interest to you. Some employees and contractors of our company have non-disclosure agreements with us. They may use information you provide us to faciliate specific operations related to our company but will not be able to use this your information for other purposes, unless you have given your prior permission for other uses.

Websites and advertisers linked to our site may collect personally identifiable information about you if you complete a transaction with the advertiser. Websites and advertisers linked to our site have different policy practices, for which our company has no responsibility or liability. You ought to review privacy statements and terms and conditions of all third party websites you choose to access.

Our company may access and/or disclose account information if the state or federal law requires it. We may also use this information for administrative and other purposes which we consider necessary to improve and maintain our services.

Other reasons include the need to identify, contact, or bring about legal action against a person/s who may be violating our company's policies, person/s who may be violating federal or state law, person/s who may be injuring or interfering with our company's rights or property, other users, or anyone who may be harmed by this person/s activities.

While we try to protect your privacy, we do not guarantee (and you should not expect it either) that your personal information and/or private communications will always remain secure. For example, our company may be forced to give information to government or another party under certain circumstances. In addition, there may be unlawful interception or unlawful access to transmission or private communications and these unlawful users may misuse or abuse your personal information that they collect unlawfully from this site.

Sharing and Selling Information

We do not share, sell, lend or lease any of the information that uniquely identify you (such as email addresses or personal details) with anyone except to third parties with whom we have a business relationship.

What About Legally Compelled Disclosure of Information?

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Site.

What About Other Web Sites Linked to Our Web Site?

Please note that our web site may contains links, co-branded links and forms that direct to other web sites. Please be aware that we are not responsible for the privacy practices of these other sites. We encourage our users to be aware that when they leave our site that you read the privacy statements of each web site that might collect personally identifying information. We are not responsible for the practices employed by Web sites linked to or from our Web site or the information or content contained therein.

Please remember that when you use a link to go from our Website to another web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other web site, including web sites, which have a link on our Website, is subject to that Web site's own rules and policies. Please read over those rules and policies before proceeding.

Your Consent

By using our Web site you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to amend this privacy policy at any time with or without notice.

What Are Your Options Regarding Collection Of Your Information?

Our company may contact you by email, phone and/or mail and you may contact us by direct mail or email. If there is any problem with your account or if there is website misuse, we may also contact you. If you do not wish to receive optional communications from us, just send us an email and/or unsubscribe from our newsletter.

If you would like to request changes to personally identifiable information we have collected about you through your usage of CharterisMusicSchool.com, please contact us by sending an email to us.

Can You, The Customer, Use Other Users' Information?

You agree to comply with all local rules and laws regarding online privacy, online conduct and online content. You agree to comply with all laws regarding transmission of personal and technical data exported between the country of our company or the country in which you reside.

Our company does not tolerate spam. You are not licensed to use spam to promoting our site. You are not licensed to add us or users on this site to your email or physical mail list without his or her explicit consent.

Our Commitment To Data Security

Our company takes steps to ensure your information is handled securely and according to relevant User Agreement and this Privacy Policy. Please note that your information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your Country of residence or citizenship. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. In general, internet data transmission cannot be guaranteed to be 100% secure. We cannot guarantee the security of any data you transmit, therefore, you do so at your own risk. We can only do our best to ensure safety of your data on our systems after complete receipt of your data transmission.

If you decide to give personal information to third parties, you are responsible for these actions and cannot hold us to responsibility.

Our Commitment to Children's Privacy

Protecting the privacy of young children is important to us. For that reason, we do not collect or maintain information at our sites from those we actually know are under 18 (or 21, depending on their jurisdiction in the matter of age of majority), and no part of our site is structured to attract anyone under 18.

Acquisition or Changes in Ownership

Our company reserves the right to transfer all information that we collect from visitors to our site in the event that the web site (or a substantial portion of its assets) is acquired. Your information would be considered part of those assets, and may be part of those assets that are transferred.

Policy Modifications

We may change this Privacy Policy from time to time. If or when material changes are made to this privacy policy, we will email users who have expressively given us permission to email them about privacy policy changes. We will post any changes here, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.

If you have questions, comments, concerns or wish to update or change any personal information submitted on this Site, or have questions about our Privacy Policy, please notify us through our Contact Us form.