Online Privacy Statement for
UPDATED:MAY 10, 2012

This Online Privacy Statement describes the information practices of this website, and all services and webpages available or under other websites that display, link to, or incorporate by reference this Online Privacy Statement(“our site” or “Website”). This Website is a place for consumers to find out about unique experiences, special insights, promotions, and benefits available for cardmembers holding any NCES-branded card. The Website is administered and maintained by the Global Network Marketing and Information unit (“the National Credit Educational Services”, “we”, “our” or “us”) of National Credit Educational Services Related Services Company, Inc, which is the unit responsible for operating this Website.

The National Credit Educational Services values and protects your privacy. We thank you for the trust that you place in us and we want you to know that the information you share with us will be treated with care.

The objective of this Online Privacy Statement is to disclose and explain what “Personally Identifiable Information” (“PII”) and other information the National Credit Educational Services collects, uses, and shares and to explain the privacy choices that you can make. We encourage you to read this Online Privacy Statement, as well as those of all websites that you visit.

This Online Privacy Statement applies solely to: (1) information collected by the National Credit Educational Services or our “Vendors” via: (a) this Website, or (b) e-mail, as described in this Online Privacy Statement; and (2) United States visitors to this Website.

This Website may provide links to third-party websites. This Online Privacy Statement does not apply to any information you may provide while on such sites. We encourage you to read the privacy policies on those sites before providing any of your personal information on such sites.


The Information We Collect

When you visit this Website, the National Credit Educational Services or our Vendors collect information, including PII, that you provide, such as during your registration as a user or your purchase of a product or service. When browsing this Website, you may choose not to provide us with any PII, such as by not registering.

We automatically collect your “IP address” used to connect your computer to the Internet, browser type and version, operating system, and computer platform. We or our Vendors also use “Cookies” or similar technologies, sometimes in combination with “Web Beacons,” to collect some statistical data when you receive our e-mails or browse this Website, such as e-mail response rates, average time spent on this Website, pages viewed, information searched for, access times, “Clickstream Data,” and other relevant information about your online experience. Cookies and Web Beacons set by us or by our Vendors do not capture any PII. Cookies are widely used, and most web browsers are configured initially to accept Cookies automatically. If you prefer not to accept Cookies, you may adjust your browser settings to notify you when a Cookie is about to be sent, or you may configure your browser to refuse Cookies automatically. However, if you turn off Cookies, or refuse to accept a request to place a Cookie, some features and services on this Website may not function properly and the advertising you receive when you visit this Website may not be as relevant to you or tailored to your interests.

How We Use and Share The Information We Collect

The National Credit Educational Services uses the information that we or our Vendors collect about and from you, including PII, your computers IP address, and information collected and/or stored in a Cookie or similar technology, to personalize our communications with you and provide you with a more effective user experience (e.g., to recognize you when you return to this Website, save your password in password-protected areas, and enable you to use shopping carts); complete your transactions; respond to your requests; deliver the products and services in which you enroll or request; and notify you of product/service updates or updates regarding your Website registration account. We or our Vendors may also use Cookies, Web Beacons, or similar technologies to present you with tailored offers on this Website or other websites on which the National Credit Educational Services advertises, or in our e-mails, and to analyze the effectiveness of such offers. To assist us with the uses described in this Online Privacy Statement, if you choose to furnish us with PII or if we have personal or other information about you from publicly available or other sources, including but not limited to information we have about you as a holder of an NCES-branded card this information may be linked to the information that we or our Vendors have collected online, including information stored in a Cookie. However, if you have deleted and disabled Cookies, we will not be able to link Cookie information with the services or programs you may have enrolled in with us.
The National Credit Educational Services does not sell or share PII collected via this Website or via the e-mails covered by this Online Privacy Statement with third parties so that they can independently market their own products and services directly to you. To provide products and services to you, we may also share your information with carefully selected Vendors and “Business Partners” with whom we work. This includes companies that manage accounts; offer affinity, frequent-user, and reward programs; perform marketing services and other business operations for us; and whose products or services are provided as a benefit of your relationship with us. All companies that act on our behalf are required to safeguard PII. We may also use or disclose your information, including PII, to comply with the law or in response to a subpoena, court order, government request, or other legal process, or as otherwise permitted by law; to perform charge verifications; to report or collect debts owed; to reduce fraud or criminal activity; to protect our legal rights and the legal rights of NCES Company, its subsidiaries, and affiliates (“NCES”), our customers, this Website, or the users of this Website; to allow a purchaser of an NCES division, or NCES as a whole, to continue using your information to serve you; or as otherwise permitted by this Online Privacy Statement.

Advertisements On This Website and Other Websites

The National Credit Educational Services hires Vendors to place advertisements on this Website and other websites, and to perform tracking and reporting functions for this Website and other websites. These Vendors do not collect PII in this process, and we do not give any PII to them as part of this process. This Online Privacy Statement does not cover the collection methods or use of the information collected by these Vendors. These Vendors have their own privacy policies and may be members of the Network Advertising Initiative (“NAI”). To remove yourself from some or all NAI member advertising programs, please visit the NAI Opt-Out Page and follow the relevant instructions. If you would like more information on how to remove yourself from the tracking and reporting functions performed for this Website by Omniture, our main Vendor for these purposes, please visit the Omniture Opt-Out Page and follow the relevant instructions.

Using Your E-Mail Address

The National Credit Educational Services may use your e-mail address to send the following types of e-mail messages to you:

  • Updates and Valuable Offers. We may send you e-mail updates regarding your Website registration account, offers for National Credit Educational Services products and services, requests for enrollment, as well as valuable offers from our Business Partners.
  • Regularly Scheduled E-mail Newsletters related to National Credit Educational Services products or services in which you are enrolled or newsletters that you have elected to receive.
  • Service Information. We may send you e-mail service notifications that are related to any Account(s) or products or services in which you enrolled with us. These include e-mails that answer your questions about a product or service, facilitate or confirm a sale, or fulfill a legal or regulatory disclosure requirement.
  • Optional Messages. You may also choose to receive other types of e-mail messages from us, including additional alerts and notifications beyond those noted above.

When we send e-mail to you, we may be able to identify information about your e-mail address, such as whether you can view graphic-rich HTML e-mail. If your e-mail address is HTML-enabled, we may choose to send you graphic-rich HTML e-mail messages.

Transfers of Information to Other Countries

Some of the uses and disclosures mentioned in this Online Privacy Statement may involve the transfer of your PII to various countries around the world. By submitting your PII to us via this Website or in response to our e-mails, you consent to such transfers and to the processing of this information in various countries around the world.

Children’s Privacy

This Website is not intended for use by children under the age of 13. We do not knowingly solicit data online from, or market online to, children under the age of 13. If we knowingly obtain PII in error on a child under the age of 13, we will delete that information from our systems.


The National Credit Educational Services respects the choices that you make regarding your privacy. You may request that we no longer send you direct marketing e-mails. Please note that it may take some time, consistent with applicable law, for us to process your request.

  • If you do not want to receive future offers or promotions via e-mail from the National Credit Educational Services about our products and services, or the products and services of our Business Partners, please click here. In addition, if you have received certain marketing e-mails from the National Credit Educational Services but you no longer wish to receive them, you may also follow the unsubscribe instructions that are located at the bottom of those e-mail messages. Please note that your choice is applicable only to those e-mail communications sent by the National Credit Educational Services and not to e-mail communications that may be sent to you by the various card issuing entities that issue NCES-branded cards.

Please note that even if you choose not to receive future direct marketing e-mails, we may continue to send you service notifications via e-mail. Such notifications may provide information about your Website registration account, answer your questions about a product or service, facilitate or confirm a sale, or fulfill a legal or regulatory requirement.


We use reasonable administrative, technical, and physical security measures to protect your PII from unauthorized access and use. Do not use e-mail to send us any PII, since it would be unencrypted and can be read by anyone who receives or intercepts it.


The National Credit Educational Services reserves the right to change this Online Privacy Statement at any time by posting revisions on this Website. Such changes will be effective upon posting.

CONTACTING THE National Credit Educational Services

If you have questions about this Online Privacy Statement, please send an email to