Privacy statement

Diem Tua Online is committed to safeguarding the privacy and confidentiality of your personal information. We are required by law to tell you how we collect, share and protect your personal information. Please read this Privacy statement carefully to understand what we do.

This Privacy statement applies to individuals whose loans have been made or are owned by Diem Tua Online, or whose loans are guaranteed by Diem Tua Online but owned by another entity. If your loans are serviced by Diem Tua Online, but owned by a lender other than Diem Tua Online we will comply with that lender's privacy policy with respect to personal information about you that we receive through our relationship with that lender.

Section 1. Information We Collect and Share

We collect and share personal information about you in order to identify you as our customer, to establish and manage customer accounts, to complete customer transactions, to provide information to you about our products and services, and to comply with legal and regulatory requirements. Examples of the types of personal information that we collect:

  • Your Social Security Number, name, contact information, birth date, assets, and income.
  • Your transaction history and account balances.
  • Your credit history and credit scores.

We collect personal information about you from sources that include, but are not limited to:

  • Information we receive from you or your representative on applications, promissory notes, forms, and through other communications (for example, when you take out a loan, send us an email, or open an online account on our website).
  • Information about your transactions with us or others, including lenders, schools.
  • Information we receive from consumer credit reporting agencies or public records.

We may share all of the information we collect, as described below.

Section 2. Disclosure of Personal Information

All financial companies need to share their customers' personal information to run their everyday business. Below, we explain how and why we may share your personal information.

We do not disclose personal information about our customers or former customers, except as permitted or required by law. For example, Diem Tua Online shares your personal information in the delivery of our financial products and services to you in the following circumstances:

  • When you have authorized the disclosure of information.
  • To provide products or services that you request.
  • With consumer reporting agencies.

Additionally, Diem Tua Online sometimes shares your personal information with nonaffiliated vendors that perform services on our behalf, for example, printing services, software programming, or loan collection support. Diem Tua Online provides these vendors with only the information needed to perform that particular service. Before representatives of these vendors receive such information, we require that they sign an agreement to keep all personal information confidential. These vendors may not use this information for their own purposes.

Diem Tua Online may share your information with nonaffiliated vendors that market Diem Tua Online products and services to you. Generally, we only provide these vendors with customer contact information, although we might provide limited account information in some circumstances, such as account balances or status, payment amount or transaction history. Such nonaffiliated marketers must agree via contract with Diem Tua Online to keep your information confidential and to use the information only to market Diem Tua Online products and services.

Section 3. Data Security

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law and regulations. These measures include computer safeguards and secured files and buildings. We restrict access to nonpublic personal information about you to those employees who we have determined have a legitimate business need for the information in order to provide our products and services.

Section 4. Online Privacy Practices

Diem Tua Online protects the privacy of your personal information on our websites using the same standards and care that we utilize for all Diem Tua Online communications and transaction.

Diem Tua Online does not automatically collect personal information from visitors to our websites. However, we may automatically collect and store certain data from all website visitors, for example, the name of the domain and host from which the visitor accessed the Internet, the Internet Protocol (IP) addresses of computers and browser software used to access an Diem Tua Online website, the date and time the visitor accesses Diem Tua Online websites, and the Internet address of the website from which a visitor links directly to an Diem Tua Online website. We may also use HTML encoding to record aggregate information about the usage of Diem Tua Online websites and whether emails that we send have been accessed or acted upon.

Diem Tua Online uses cookies to enhance the delivery of products, services, and information on Diem Tua Online websites. A cookie is a small file that a website transfers to a visitor's computer hard drive to remind our website about the visitor when they return to our site. Cookies enable Diem Tua Online to protect your personal information by ensuring that only your web browser may exchange information regarding your account with Diem Tua Online' servers, and by automatically terminating an online session if you forget to log out. Cookies also assist Diem Tua Online in verifying your identity when you attempt to log into your Diem Tua Online online account, and help us to understand how you use our websites. You can set your browser to notify you before accepting a cookie, so that you can decide whether to accept or reject the cookie.

Diem Tua Online provides links from its websites to other vendors and third parties. Because Diem Tua Online cannot guarantee how these third parties use or collect personally identifying information, you are encouraged to fully review the privacy statements of these other websites to determine whether or not your use of these websites comports with your desire to maintain the privacy of personally identifying information.

Section 5. Changes to Our Privacy Statement

This Privacy replaces all prior Privacy policies issued by Diem Tua Online. We reserve the right to modify our Privacy policy at any time. We will notify you if we make changes to our Privacy that significantly impact how we collect, use or protect your personal information.