Reviewed November 1, 2017
Trellis Company and its subsidiary, Waypoint Resource Group (collectively, “We”), take the privacy of your personal information very seriously. This Privacy Notice describes the ways we gather, use, and protect the personal information of visitors to our sites, as well as how we treat personal information obtained from other sources.
Information for all visitors to our websites
Our vision is that people receive trusted guidance to make informed decisions and improve their lives.
This Privacy Notice applies to the following websites:
We use the data we collect from you in order to provide you with information and services. Additionally, we contract with vendors, i.e. WPEngine, and use third-party hosted applications, i.e. WordPress and Google Analytics, for various administrative tools and support, and information you provide to us may be available to those third parties solely to the extent needed to respond to your requests or as required by law.
We use web beacons to measure the effectiveness of our e-newsletters and email messages.
When you enter one of our sites, you pass through a firewall we use for security purposes. As you pass through, we may identify your Internet Protocol (IP) address to track the origin of your Internet connection. The IP address does not identify you personally. We store IP addresses in case we ever need to track a connection to its point of origin for security troubleshooting and analysis.
If you use a mobile device to access our site(s), we collect basic information such as type of device (manufacturer and model) in order to present the information to you in a way that is readable. We do not collect information that could identify the specific device (such as UDID) or the user, or any personal information from the mobile device. We do not collect location information from devices or users of mobile-enabled sites.
Collection Through Browsing
We do not collect personally identifying information from you unless you expressly provide it to us through your use of one of the services we offer on our Internet sites or through signing up for subscriptions to our publications. (See also the paragraph on Information on Borrowers.) We do not voluntarily share personally identifying information with third-party marketers.
When you contact our online financial consultants, we may collect different kinds of information depending on your financial situation. We may also collect information about you from other sources, such as your school or community group, in order to help associate you with the proper content. We do not voluntarily share this information with third parties. In order to access some of our online tools or services, such as certain areas of the myTrellis℠ portal and myWaypoint℠ portal, you must provide your Social Security number. This information is used to verify loan status and for administrative purposes only. We do not voluntarily share this information with third parties, except as needed to administer your loan. For more information about the use of borrower information to administer loans, please see Information for Trellis Company Borrowers below.
California Online Privacy Protection Act
We do not collect personally identifiable information about your online activities over time or across third-party Web sites or online services. We do collect information as described above when you view our sites. We do not permit others to collect personally identifiable information about your online activities over time or across different Web sites when you use our Web sites or services.
Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. Because we do not track across websites or over time, and because these features are not yet uniform, we are not currently set up to respond to those signals.
Children’s Online Privacy Protection Act
We do not intend to collect information from children under 13 years of age. You must be over 13 to receive our newsletters or use our online tools. If we learn that we have inadvertently collected personally identifying information from a child under the age of 13, we will promptly take all reasonable measures to delete the data from our system.
Information for Borrowers
Our activities in connection with your education loans require our employees to access information regarding you and your account. We may have collected this information from a number of sources, such as applications, transactions, or credit reports. Your loan documents and the governing laws and regulations, including the Federal Family Education Loan Program, set forth ways in which we may, or are required to, use and share information about you. In certain circumstances when carrying out our duties, we are required to disclose your information, including personally identifying information, in connection with the administration of your education loan. We do not share your personally identifying information with third-party marketers.
A “cookie” is a small text file saved on your computer that is used to store information that a website may need, for example, a shopping cart ID. Normally, each time a browser requests the URL of a page from a Web server, the request is treated as a completely new interaction. The fact that the request may be just the most recent in a series of requests as the user browses methodically through the site is lost. Although this makes the Web more efficient, this behavior makes it difficult to create things like shopping carts that must remember the user’s actions over an extended period of time. Cookies cannot be used to “steal” information about you or your computer system. They can only be used to store information that you have provided at some point. For example, if you fill out a form giving your favorite color, a server can turn this information into a cookie and send it to your browser. The next time you contact the site, your browser will return the cookie, allowing the server to alter background color of its pages to suit your preferences.
A Web beacon is a small (usually 1×1 pixels) transparent image that is embedded in an HTML-formatted email message. Whenever the mail is opened with a graphical mail reader, the image is downloaded from a Web server in the same manner as an image is downloaded from a website, allowing the server to track the download in its access logs.
Web beacons are used by us to verify that email addresses are valid and that the content of emails is actually viewed. This information helps us to provide email content that is most useful to our subscribers.
If you have any questions or comments regarding Privacy, please email the Privacy Officer or contact us using the information below:
P.O. Box 83100
Round Rock, TX 78683-3100
We engage in routine reviews of our Privacy Notice. This version is effective as of the review date. It replaces all prior online Privacy Notices or policies issued by us and our affiliates. We reserve the right to change how we approach privacy and use and collect information.