ChangEd App Mobile App Privacy Policy

Last modified: December 7, 2016

Introduction

ChangEd LLC (”Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes:

The types of information we may collect or that you (“you” or “End User”) may provide when you register with, access, or use the ChangEd App (the “App”).

Our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies only to information we collect in this App and in email, text, and other electronic communications sent through or in connection with this App.

This policy DOES NOT apply to information that:

We collect offline or on any other Company apps or websites, including websites you may access through this App.

You provide to or is collected by any third party (see Third-Party Information Collection)

Our websites and apps, and these third parties may have their own privacy policies, which we encourage you to read before providing information on or through them.

ChangEd uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant ChangEd and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, do not download, register with, or use this App. By checking the checkbox indicating that you have read this privacy policy and have agreed to it, and by downloading, registering with, or using this App, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this App after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 13

The App is not intended for children under 13 years of age, and we do not knowingly collect Personal Information from children under 13. If we learn we have collected or received Personal Information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at support@changedapps.com.

Information We Collect and How We Collect It

We collect information from and about users of our App:

Directly from you when you provide it to us.

Automatically when you use the App.
Other Personal Information collected may be described in other sections of this privacy policy or by dedicated explanation text contextually with the information collection.

Information You Provide to Us.

When you download, register with, or use this App, we may ask you provide information:

By which you may be personally identified, such as first name, last name, postal address, city, ZIP or postal code, country, date of birth, email address, telephone number, social security number, or any other identifier by which you may be contacted online or offline (“Personal Information”).

That is about you but individually does not identify you, such as usage information.

This information includes:

Information that you provide by filling in forms in the App. This includes information provided at the time of registering to use the App and creating an account. We may also ask you for information when you report a problem with the App.

Records and copies of your correspondence (including email addresses and phone numbers), if you contact us.

Details of payments and transactions you carry out through the App. You may be required to provide information about your financial accounts before using the App or the services of our third-party service providers.

Failure to provide certain Personal Information may make it impossible for this App to provide its services. Users are responsible for any Personal Information of third parties obtained, published or shared through this App and confirm that they have the third party’s consent to provide the information to ChangEd LLC

Automatic Information Collection and Tracking.

When you download, access, and use the App, it may use technology to automatically collect:

Usage Details. When you access and use the App, we may automatically collect certain details of your access to and use of the App, including traffic data, logs, and other communication data and the resources that you access and use on or through the App.

Device Information. We may collect information about your mobile device and internet connection, including the device’s unique device identifier, operating system, browser type, mobile network information, and the device’s telephone number.

Stored Information and Files. The App also may access metadata and other information associated with other files stored on your device. This may include, for example, photographs, audio and video clips, personal contacts, and address book information.

Location Information. This App does not collect real-time information about the location of your device.

If you do not want us to collect this information, do not download the App or register for an account through this App. For more information, see Your Choices About Our Collection, Use, and Disclosure of Your Information.

We also may use these technologies to collect information about your activities over time and across third-party websites, apps, or other online services (behavioral tracking).

Information Collection and Tracking Technologies. The technologies we use for automatic information collection may include:

Cookies (or mobile cookies). A cookie is a small file placed on your smartphone. It may be possible to refuse to accept mobile cookies by activating the appropriate setting on your smartphone. However, if you select this setting you may be unable to access certain parts of our App.

Web Beacons. Pages of the App and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related app statistics (for example, recording the popularity of certain app content and verifying system and server integrity).

Any use of cookies, or of other tracking tools, by this App or by the owners of third party services used by this App, unless stated otherwise, serves to identify users and remember their preferences for the sole purpose of providing the service.

Third-Party Information Collection

When you use the App or its content, certain third parties may use automatic information collection technologies to collect information about you or your device. These third parties include:

Advertisers, ad networks, and ad servers.

Analytics companies.
Third party services’ accounts.

Your mobile device manufacturer.

Your mobile service provider.

These third parties may use tracking technologies to collect information about you when you use this app. The information they collect may be associated with your Personal Information or they may collect information, including Personal Information, about your online activities over time and across different websites, apps, and other online services websites. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about receiving targeted advertising from many providers, see Your Choices About Our Collection, Use, and Disclosure of Your Information.

Facebook permissions asked by this App

This App may ask for some Facebook permissions allowing it to perform actions with your Facebook account and to retrieve information, including Personal Information, from it. For more information about the following permissions, refer to the Facebook permissions documentation and to the Facebook privacy policy.

The following Facebook permissions are asked:

Basic information: By default, this includes certain information of yours such as id, name, picture, gender, and their locale. Certain connections of yours, such as the Friends, are also available. If you have made more of your information public, more information will be available.
About Me: Provides access to the 'About Me' section of the profile.
Access Friend Lists: Provides access to any friend lists the User created.
Birthday: Provides access to the birthday.
Education History: Provides access to education history.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any Personal Information, for:

Providing you with the App and its contents, and any other information, products or services that you request from us.
Access to third party services’ accounts
Fulfilling any other purpose for which you provide it
Analytics, including enabling us to monitor and

User database management
Remarketing and behavioral targeting
Interaction with external social networks and platforms
Hosting and backend infrastructure
Registration and authentication
Managing contacts and sending messages
Advertising
Displaying content from external platforms
Heat mapping and session recording
Interaction with data collection platforms and other third parties
Managing landing and invitation pages

Handling payments

Giving you notices about your account/subscription, including expiration and renewal notices, and otherwise contact you

Carrying out our obligations and enforce our rights arising from any contracts entered into between you and us.

Notifying you when App updates are available, and of changes to any products or services we offer or provide through it
Each purpose outlined in the Detailed Third-Party Usage section of the document

The usage information we collect helps us to improve our App and to deliver a better and more personalized experience by enabling us to:

Estimate our audience size and usage patterns.

Store information about your preferences, allowing us to customize our App according to your individual interests.

Recognize you when you use the App.

We may also use your information to contact you about our own and third parties’ goods and services that may be of interest to you.

We may use the information we collect to display advertisements to our advertisers’ target audiences. Even though we do not disclose your Personal Information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Detailed Third-Party Usage and Information Processing

Access to third party services’ accounts.

This type of service allows this App to access Data from your account on a third party service and perform actions with it. These services are not activated automatically, but require explicit authorization by you.

Access to the Facebook account (This App): This service allows this App to connect with the User's account on the Facebook social network, provided by Facebook, Inc.

Permissions asked: About Me, Access Friend Lists, Birthday and Education History.

Place of processing: US – Privacy Policy

Access to the Twitter account (Twitter, Inc.): This service allows this App to connect with the your account on the Twitter social network, provided by Twitter, Inc.

Personal Information collected: various types of Data as specified in the privacy policy of the service.
Place of processing: US – Privacy Policy

Advertising

This type of service allows User Information to be utilized for advertising communication purposes displayed in the form of banners and other advertisements on this App, possibly based on User interests. This does not mean that all Personal Information are used for this purpose. Information and conditions of use are shown below. Some of the services listed below may use Cookies to identify you or they may use the behavioral retargeting technique, i.e. displaying ads tailored to your interests and behavior, including those detected outside this App. For more information, please check the privacy policies of the relevant services.

Google AdSense (Google Inc.). Google AdSense is an advertising service provided by Google Inc. This service uses the “Doubleclick” Cookie, which tracks use of this App and user behavior concerning ads, products and services

offered. Users may decide to disable all the Doubleclick Cookies by clicking on: http://www.google.com/settings/ads/onweb/optout/

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy – Opt Out

Analytics

The services contained in this section enable us to monitor and analyze web traffic and can be used to keep track of user behavior.

TestFlight (Burstly, Inc.). TestFlight is an analytics service provided by Apple Inc.

Analytics collected directly (This App). This App uses an internal analytics system that does not involve third parties.

Personal Information collected: Cookies and Usage Data.

Facebook Ads conversion tracking (Facebook, Inc.). Facebook Ads conversion tracking is an analytics service provided by Facebook, Inc. that connects data from the Facebook advertising network with actions performed on this App.

Facebook Analytics for Apps (Facebook, Inc.). Facebook Analytics for Apps is an analytics service provided by

Facebook, Inc.

Personal Information collected: Usage Data and various types of Data as specified in the privacy policy of the service.
Place of processing: US – Privacy Policy

Google Analytics (Google Inc.). Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of this App, to prepare reports on its activities and share them with other Google services. Google may use the Data collected to contextualize and personalize the

ads of its own advertising network.

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy – Opt Out

Hotjar Form Analysis & Conversion Funnels (Hotjar Ltd.). Hotjar is an analytics service provided by Hotjar Ltd. Hotjar honors generic Do Not Track headers. This means your browser can tell its script not to collect any of your data. This is a setting that is available in all major browsers. Find Hotjar’s opt-out information here.

Personal Information collected: Cookies and Usage Data.
Place of processing: Malta – Privacy Policy – Opt Out

KISSmetrics (KISSmetrics). KISSmetrics is an analytics service provided by Kissmetrics Inc.

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy – Opt Out

Contacting the User

Contact form (This App). By filling in the contact form with their Data, the User authorizes this App to use these details to reply to requests for information, quotes or any other kind of request as indicated by the form’s header. Personal Information collected: address, city, country, date of birth, email address, first name, last name, phone number, state, User ID, various types of Data and ZIP/Postal code.

Phone contact (This App). Users that provided their phone number might be contacted for commercial or promotional purposes related to this App, as well as for fulfilling support requests.

Personal Information collected: phone number.

Mailing list or newsletter (This App). By registering on the mailing list or for the newsletter, the User’s email address will be added to the contact list of those who may receive email messages containing information of commercial or promotional nature concerning this App. Your email address might also be added to this list as a result of signing up to this App or after making a purchase.

Personal Information collected: address, city, country, date of birth, email address, first name, gender, last name, phone number, state and Usage Data.

Displaying content from external platforms

This type of service allows you to view content hosted on external platforms directly from the pages of this App and interact with them. This type of service might still collect web traffic data for the pages where the service is installed, even when Users do not use it.

Google Fonts (Google Inc.) Google Fonts is a typeface visualization service provided by Google Inc. that allows this App to incorporate content of this kind on its pages.

Personal Information collected: Usage Data and various types of Data as specified in the privacy policy of the service.
Place of processing: US – Privacy Policy

Google Calendar widget (Google Inc.). Google Calendar widget is a calendar content visualization service provided by Google Inc. that allows this App to incorporate content of this kind on its pages.

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy

Instagram widget (Instagram, Inc.). Instagram is an image visualization service provided by Instagram, Inc.

that allows this App to incorporate content of this kind on its pages.

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy

Handling payments

Payment processing services enable this App to process payments by credit card, bank transfer or other means. To ensure greater security, this App shares only the information necessary to execute the transaction with the financial intermediaries handling the transaction. Some of these services may also enable the sending of timed messages to the User, such as emails containing invoices or notifications concerning the payment.

SynapseFI (Synapse Financial Technologies, Inc. ). SynapseFI is a payment service provided by Synapse Financial Technologies, Inc.

Personal Information collected: various types of Data as specified in the privacy policy of the service.
Place of processing: US – Privacy Policy

Plaid Technologies, Inc. Plaid gathers your data from financial institutions and works on your behalf to access and transmit your personal and financial information from the relevant financial institution.

Personal Information collected: Cookies, contact information, financial credentials and information.
Place of processing: US – Privacy Policy

Heat mapping and session recording

Heat Mapping services are used to display the areas of a page where Users most frequently move the mouse or click. This shows where the points of interest are. These services make it possible to monitor and analyze web traffic and keep track of User behavior. Some of these services may record sessions and make them available for later visual playback.

Hotjar Heat Maps & Recordings (Hotjar Ltd.). Hotjar is a session recording and heat mapping service provided by Hotjar Ltd. Hotjar honors generic “Do Not Track” headers. This means the browser can tell its script not to collect any of the User's data. This is a setting that is available in all major browsers. Find Hotjar’s opt-out information here.

Personal Information collected: Cookies, Usage Data and various types of Data as specified in the privacy policy of the service.
Place of processing: Malta – Privacy Policy – Opt Out

Hosting and backend infrastructure

This type of service has the purpose of hosting data and files that enable this App to run and be distributed as well as to provide a ready-made infrastructure to run specific features or parts of this App. Some of these services work through geographically distributed servers, making it difficult to determine the actual location where the Personal Information are stored.

Firebase (Firebase, Inc.). Firebase is a hosting and backend service provided by Google Inc.

Personal Information collected: various types of Data as specified in the privacy policy of the service.
Place of processing: US – Privacy Policy

Interaction with data collection platforms and other third parties

This type of service allows users to interact with data collection platforms or other services directly from the pages of this App for the purpose of saving and reusing data. If one of these services is installed, it may collect browsing and usage data in the pages where it is installed, even if users do not actively use the service.

Hotjar Recruit User Testers (Hotjar Ltd.). The Hotjar Recruit User Testers widget is a service for interacting with the Hotjar data collection platform provided by Hotjar Ltd. Hotjar honors generic “Do Not Track” headers. This means the browser can tell its script not to collect any of the User's data. This is a setting that is available in all major browsers. Find Hotjar’s opt-out information here.

Personal Information collected: Cookies, Usage Data and various types of Data.
Place of processing: Malta – Privacy Policy – Opt Out

Interaction with external social networks and platforms

This type of service allows interaction with social networks or other external platforms directly from the pages of this App. The interaction and information obtained through this App are always subject to the User’s privacy settings for each social network. This type of service might still collect traffic data for the pages where the service is installed, even when Users do not use it.

Buffer button and social widgets (Buffer). The Buffer button and social widgets are services allowing interaction with the Buffer service provided by Buffer, Inc.

Personal Information collected: Usage Data.
Place of processing: US – Privacy Policy

LinkedIn button and social widgets (LinkedIn Corporation)

The LinkedIn button and social widgets are services allowing interaction with the LinkedIn social network provided by LinkedIn Corporation.

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy

Twitter Tweet button and social widgets (Twitter, Inc.). The Twitter Tweet button and social widgets are services allowing interaction with the Twitter social network provided by Twitter, Inc.

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy

Managing contacts and sending messages

This type of service makes it possible to manage a database of email contacts, phone contacts or any other contact information to communicate with the User.
These services may also collect data concerning the date and time when the message was viewed by the User, as well as when the User interacted with it, such as by clicking on links included in the message.

GetResponse (Implix Sp. z o.o.). GetResponse is an email address management and message sending service provided by Implix Sp. z o.o.

Personal Data collected: email address.
Place of processing: Poland – Privacy Policy

MailChimp (The Rocket Science Group, LLC.). MailChimp is an email address management and message sending service provided by The Rocket Science Group, LLC.

Personal Data collected: email address.
Place of processing: US – Privacy Policy

Managing landing and invitation pages

This type of service helps with building and managing landing and invitation pages, i.e., pages for presenting a product or service, where you may add your contact information such as an email address. Managing these pages means that these services will handle the Personal Information collected through the pages, including usage Data.

Instapage (Instapage, Inc.)

Instapage is a landing page management service provided by Instapage, Inc., that allows this App to collect the email addresses of Users interested in its service. Instapage allows the Owner to track and analyze the User response concerning web traffic or behavior regarding changes to the structure, text or any other component of the created landing pages.

Personal Information collected: Cookies, email address and Usage Data.
Place of processing: US – Privacy Policy

Unbounce (Unbounce Marketing Solutions Inc.). Unbounce is a landing page management service provided by Unbounce Marketing Solutions Inc., that allows this App to collect the email addresses of Users interested in its service. Unbounce allows the Owner to track and analyze the User response concerning web traffic or behavior regarding changes to the structure, text or any other component of the created landing pages.

Personal Information collected: Cookies, email address and Usage Data.
Place of processing: Canada – Privacy Policy

Registration and authentication

By registering or authenticating, Users allow this App to identify them and give them access to dedicated services. Depending on what is described below, third parties may provide registration and authentication services. In this case, this App will be able to access some Data, stored by these third party services, for registration or identification purposes.

Facebook Authentication (Facebook, Inc.). Facebook Authentication is a registration and authentication service

provided by Facebook, Inc. and is connected to the Facebook social network.

Personal Information collected: various types of Data as specified in the privacy policy of the service.
Place of processing: US – Privacy Policy

Twitter OAuth (Twitter, Inc.). Twitter Oauth is a registration and authentication service provided by Twitter, Inc. and is connected to the Twitter social network.

Personal Information collected: various types of Data as specified in the privacy policy of the service.
Place of processing: US – Privacy Policy

Remarketing and behavioral targeting

This type of service allows this App and its partners to inform, optimize and serve advertising based on past use of this App by the User. This activity is performed by tracking Usage Data and by using Cookies,

information that is transferred to the partners that manage the remarketing and behavioral targeting activity.

AdRoll (Semantic Sugar, Inc.). AdRoll is an advertising service provided by Semantic Sugar, Inc.

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy – Opt Out

AdWords Remarketing (Google Inc.). AdWords Remarketing is a Remarketing and Behavioral Targeting service

provided by Google Inc. that connects the activity of this App with the Adwords advertising network and the Doubleclick Cookie.

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy – Opt Out

Facebook Custom Audience (Facebook, Inc.). Facebook Custom Audience is a Remarketing and Behavioral Targeting service provided by Facebook, Inc. that connects the activity of this App with the Facebook advertising network.

Personal Information collected: Cookies and email address.
Place of processing: US – Privacy Policy – Opt Out

Facebook Remarketing (Facebook, Inc.). Facebook Remarketing is a Remarketing and Behavioral Targeting service provided by Facebook, Inc. that connects the activity of this App with the Facebook advertising network.

Personal Information collected: Cookies and Usage Data.
Place of processing: US – Privacy Policy – Opt Out

User database management

This type of service allows the Owner to build user profiles by starting from an email address, a personal name, or other information that the User provides to this App, as well as to track User activities through analytics features. This Personal Information may also be matched with publicly available information about the User (such as social networks' profiles) and used to build private profiles that the Owner can display and use for improving this App.

Some of these services may also enable the sending of timed messages to the User, such as emails based on specific actions performed on this App.

ActiveCampaign (ActiveCampaign, Inc.). ActiveCampaign is a User database management service provided by ActiveCampaign, Inc.

Personal Information collected: email address and various types of Data as specified in the privacy policy of the service.
Place of processing: US – Privacy Policy

Additional information about Information collection and processing

Legal action. The User’s Personal Information may be used for legal purposes by ChangEd LLC, in Court or in the stages leading to possible legal action arising from improper use of this App or the related services. The User declares to be aware that the ChangEd LLC may be required to reveal Personal Information upon request of public authorities.

Additional information about User's Personal Information. In addition to the information contained in this privacy policy, this App may provide the User with additional and contextual information concerning particular services or the collection and processing of Personal Information upon request.

System logs and maintenance. For operation and maintenance purposes, this App and any third party services may collect files that record interaction with this App (System logs) or use for this purpose other Personal Information (such as IP Address).

Information not contained in this policy. More details concerning the collection or processing of Personal Information may be requested from ChangEd LLC at any time. Please see the contact information at the end of this document.

The rights of Users. Users have the right, at any time, to know whether their Personal Information has been stored and can consult ChangEd LLC to learn about their contents and origin, to verify their accuracy or to ask for them to be supplemented, cancelled, updated or corrected, or for their transformation into anonymous format or to block any data held in violation of the law, as well as to oppose their treatment for any and all legitimate reasons. Requests should be sent to the Data Controller at the contact information set out above.

This App does not support “Do Not Track” requests. To determine whether any of the third party services it uses honor the “Do Not Track” requests, please read their privacy policies.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual or device, without restriction.

In addition, we may disclose Personal Information that we collect or you provide:

To our subsidiaries and affiliates.

To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them.

To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of ChangEd LLC’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by ChangEd LLC about our App users is among the assets transferred.

To third parties to market their products or services to you. For more information, see Your Choices About Our Collection, Use, and Disclosure of Your Information.

To fulfill the purpose for which you provide it.

For any other purpose disclosed by us when you provide the information.

With your consent.

To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

To enforce our rights arising from any contracts entered into between you and us, including the App terms, and for billing and collection.

If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of ChangEd LLC, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Your Choices About Our Collection, Use, and Disclosure of Your Information

We strive to provide you with choices regarding the Personal Information you provide to us. This section describes mechanisms we provide for you to control certain uses and disclosures of over your information.

Tracking Technologies. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies or block the use of other tracking technologies, some parts of the App may then be inaccessible or not function properly.

Promotion and Advertising. If you do not want us (1) to use your email address or contact information to promote our own or third parties’ products or services, (2) to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, or (3) to share your Personal Information with unaffiliated or non-agent third parties for advertising and marketing purposes, please delete your account and remove the App from your device.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (”NAI”) on the NAI’s website.

Accessing and Correcting Your Personal Information

You can review and change your Personal Information by logging into the App and visiting your account profile page.

You may also send us an email at support@changedapps.com to request access to, correct, or delete any Personal Information that you have provided to us. We cannot delete your Personal Information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Your California Privacy Rights

California Civil Code Section 1798.83 permits users of our App that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please send an email to support@changedapps.com

Data Security

We have implemented measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions and information relating to financial transactions will be encrypted using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our App, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

We process your Personal Information in a proper manner and will take appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of that information. Information processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to ChangEd LLC, in some cases, the information may be accessible to certain types of persons in charge, involved with the operation of the site (administration, sales, marketing, legal, system administration) or external parties (such as third party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, by us as Information Processors. The updated list of these parties may be requested from the Data Controller at any time.

Your Personal Information is processed at our operating offices and in any other places where the parties involved with the processing are located. For further information, please contact ChangEd LLC at support@changedapps.com.

Your Personal Information is kept for the time necessary to provide the service requested by the you, or stated by the purposes outlined in this document. You can always close your account and request that we suspend or remove the data.

Unfortunately, the transmission of information via the internet and mobile platforms is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted through our App. Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures we provide.

Changes to Our Privacy Policy

We may update our privacy policy from time to time. If we make material changes to how we treat our users’ Personal Information, we will (1) post the new privacy policy on this page with a notice that the privacy policy has been updated; (2) notify you by email to the email address specified in your account; (3) notify you by an in-App alert the first time you use the App after we make the change.

The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you.

Additional Definitions and Legal References

“Personal Information” (or “Information”). Any information regarding a natural person, a legal person, an institution or an association, which is, or can be, identified, even indirectly, by reference to any other information, including a personal identification number.

“Usage Data” Information collected automatically from this App (or third party services employed in this App), which can include: the IP addresses or domain names of the computers utilized by the Users who use this App, the URI addresses (Uniform Resource Identifier), the time of the request, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server's answer (successful outcome, error, etc.), the country of origin, the features of the browser and the operating system utilized by the User, the various time details per visit (e.g., the time spent on each page within the App) and the details about the path followed within the App with special reference to the sequence of pages visited, and other parameters about the device operating system and/or the User’s IT environment.

“User” The individual using this App, which must coincide with or be authorized by the Information Subject, to whom the Personal Information refers.

“Information Subject” The legal or natural person to whom the Personal Information refers.

“Information Processor” The natural person, legal person, public administration or any other body, association or organization authorized by ChangEd to process the Personal Information in compliance with this privacy policy.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

ChangEd LLC

222 W. Merchandise Mart Plaza #1212

Chicago, IL 60654

(800) 557-9419

support@changedapps.com

ChangEd Payment Ticker

$215,100 In Payments Sent In November

Take Action On Your Student Loans!

Total Payments Sent So Far

$1,624,200

$215,100
In Payments Sent In November