Disclosure & Privacy

My goal at StudentDebtSurvivor.com is to provide helpful tips, information and tools to friends and readers who are trying to become and remain debt-free. I’m not a personal finance expert, but I did pay off $30K in student debt, and hope to provide encouragement to others who wish to do the same. Information found on this site is just that, informational. If you need financial assistance or advice you should seek the help of a qualified financial professional.

Because I put a great deal of time, energy and money into the site, I think it’s acceptable that I receive compensation (small as it may be) to help pay blog expenses and keep the site free to the public. To make income from this blog, I do accept advertising and I do participate in affiliate programs.

This blog is a personal blog written and edited by me. This blog accepts forms of cash advertising, sponsorship, paid insertions and other forms of compensation.The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post may not always be identified as paid or sponsored content.

The owner(s) of this blog is compensated to provide opinion on products, services, websites and various other topics. Even though the owner(s) of this blog receives compensation for our posts or advertisements, we always give our honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely the bloggers’ own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

This blog does not contain any content which might present a conflict of interest.

Disclosure Last updated December 31, 2012.

Privacy Policy:
Here at StudentDebtSurvivor.com the privacy of our visitors and friends is very important to us. To make your reading experience more customized, we collect, and use certain information about your visit. Rest assured that we safeguard that information (your e-mail address, the site you were referred from, etc.) the way we would protect our own information and never sell your e-mail address to third parties.

Log Files:
As with most websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Verizon), the browser you used to visit Student Debt Survivor (such as Firefox or Safari), the time you visited the site and which pages you visited throughout the site.

Cookies and Web Beacons:
We do use cookies to store information, such as your personal preferences when you visit our site. We also use third party advertisements on StudentDebtSurvivor.com to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such Google AdSense) information including your IP address, your ISP, the browser you used to visit our site etc.

DoubleClick DART cookies:
We also may use DART cookies for ad serving through Google’s DoubleClick, which places a cookie on your computer when you are browsing the web and visit a site using DoubleClick advertising (including some Google AdSense advertisements). This cookie is used to serve ads specific to you and your interests (”interest based targeting”). The ads served will be targeted based on your previous browsing history. DART uses “non personally identifiable information”. It does NOT track personal information about you, such as your name, email address, physical address, telephone number, bank account numbers or credit card numbers. You can opt-out of this ad serving on all sites using this advertising by visiting http://www.doubleclick.com/privacy/dart_adserving.aspx

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites.

Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added.

Information collected by third-parties:
We may allow third-party companies that use tracking technologies, such as cookies or pixels, to record IP information about users who visit or interact with our website. Our website does not provide any personal information to these third parties. This information allows them to deliver targeted advertisements and gauge their effectiveness. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative which offers a single location to opt out of ad targeting from member companies.

If you have questions about my either my Disclosure/Disclaimer or my Privacy Policy please e-mail me directly at: KK@StudentdebtSurvivor.com

Privacy Policy Last updated December 31, 2012.

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