peerTransfer™

peerTransfer Education, Corp

A. Personal information

peerTransfer collects personal information for a variety of reasons. To provide the services you have requested or to personalize your experience. We will explain why we need to collect this information when it is asked for. Some information is requested based on our internal protocols as well as by some Federal and/or State mandate.

B. Uses

peerTransfer will use your personal information mainly for the purpose it was collected, to process your transaction. We will not use your personal information for a different purpose without asking your for permission. We may share your personal information with service providers under contract who will help us with some parts of the operation in order to process your transaction.. We do not allow third parties to use your personal information for a different purpose.

C. Online Privacy Policy

peerTransfer Corporation, a Delaware Corporation, takes your Privacy very seriously. This Privacy Policy applies to the Site www.peerTransfer.com and is effective as of [see end of this document]

We are committed to protecting our customers' privacy and security. This Privacy Statement explains what personal information we collect about you, with whom we share it, and how you [The user of the Service] can direct us not to share certain information with certain parties. 'Personal Information' refers to information such as name and email that can be used to identify an individual. You should read this Privacy Policy in its entirety. Certain sections may apply differently to residents of different jurisdictions.

Using this site indicates your acceptance of this privacy policy. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it and not be retro-active at the time it is posted. Should we make a material change to the manner in which we collect, use or store your personal information, we shall notify you by a notice on our Site, or by email.

D. What is the Information we collect about you?

We may collect the following information about you, which may include non-public personal information:

• Information that you provide us in the course of using the Service, such as your Name, Current and physical ddress, e-mail address, and telephone number. We may also collect certain identifiable information from you including but not limited to your date of birth.
• Information about your usage of the Service, including your transaction history, and how and to whom you use the Service to send or receive money, your transaction intent or, booking intents.
• Information that we lawfully obtain from third parties, such as identity verification services and credit reporting agencies;
• Information that we indirectly obtain from you, such as information about the hardware and software you use when accessing the Service, your IP address, the pages you access on this website, and other websites that you visit prior or while accessing the Service.

E. How do we use the personal information we collect?

We use the personal and other demographic or profile information about you to:

• process your transaction(s),
• compare information for accuracy and verify it with third parties
• prevent fraudulent and illegal transactions (money laundering, terrorist and/or drug trafficking funding),
• resolve disputes, collect fees, and troubleshoot problems;
• improve the content of our web page in order to enhance your experience, and
• contact you when necessary.
• send you targeted marketing, service update notices, and promotional offers; in each of these instances, you will be provided with an opt-out option to refrain the company from sending you these notices in the future. You can also control how we use your contact information to market our services to you in the notifications preferences section in your account.

F. How do we use “cookies”?

• When you access our website, we, or companies we hire to track how our website is used, may place small data files called 'cookies' on your computer.
• We send a 'session cookie' to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don’t need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.
• We also use longer-lasting cookies for other purposes such as to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.
• We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.

G. How do we protect and store your personal information?

Throughout this policy, we use the term 'personal information' to describe information that can be associated with a specific person and can be used to identify that person.

We store and process that personal information in servers located in United States of America and isprotected by maintaining physical, electronic and procedural safeguards in compliance with applicable International (ISO/EU 27001), US Federal and State regulations.

In addition, peerTransfer will make a reasonable effort to comply in its entirety with the strict protocols of the Family Education Rights & Privacy Act (FERPA) Regulations as well as those in the Gramm-Leach-Bliley Act.

H. Sharing the information with others

We do not sell or rent the information collected to third parties for their promotional purposes unless we receive your explicit permission to do so. However, we may share information about you (including nonpublic personal information) with:

• Service providers, under contract who will help with parts of our business operations to process your transaction; (fraud prevention,, marketing, technology services). We ensure that the third party service providers that we share your information with have privacy policies in place substantially similar to our own.
• Law enforcement, government officials, or other third parties when we are compelled to do so by a subpoena, court order or similar legal procedure or we need to do so to comply with a law or we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.
• Companies that we plan to merge with or will be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)
• Financial institutions that we may use in the normal course of our business to process your transactions. These financial institutions may only use your information to process your transaction, unless you have given consent for other uses.
• Other third parties only with your consent or direction to do so.

I. Access to your information

You can access your personal information submitted on our Site by logging into your account.

We allow consumers to exercise their rights of access, correction, cancellation (opt-out) and objection. To do so, you can contact us via any of the methods at the end of this document. In order to protect your privacy, we will take reasonable steps to verify your identity before making any modifications to the existent data.

We reserve the right to independently verify claims made, where permitted by law. We reserve the right to assess a service charge for providing you any information in connection with your request.

J. Third party sites

Should our Site contain links to other web sites, peerTransfer Education Corporation is not responsible for the privacy practices or the content of these other web sites. However, we encourage you to familiarize yourself with the privacy practices of these other sites prior to submitting your personal information to them.

K. How you can contact us about your privacy questions

If you do not want peerTransfer to share your personal information with other parties for the purpose of marketing our jointly offered products to you, please contact us at info@peerTransfer.com

Questions, comments, notifications, suggestions, or any other requests, can be sent to peerTransfer, as follows:

• by online at: www.peertransfer.com/contact
• by toll-free telephone at: 1-800-346-9252 for US and Canada or 1-617-207-7076 for international customers;
• by fax at: 1-617-517-3830; or
• by mail at: peerTransfer Education Corporation, Attn: Customer Service, 200 Portland Street, Suite 301, Boston, MA 02114.

Last Updated on: October 25, 2011