CollegeData Privacy Center
Last Updated: April 5, 2021
At CollegeData, a service provided by 1st Financial Bank USA, your privacy is important to us. We have established standards that govern our collection, use, retention, and protection of information about you in connection with your use of this Site.
What information do we collect from users and how is it used?
1st Financial Bank USA is the sole owner of the information collected on this Site. We will not sell, share, or rent this information to others or use it in ways different from what is disclosed in this policy.
1st Financial Bank USA collects information from our users at several different points on our Site.
When you sign up for CollegeData, we ask that you provide to us certain personally identifiable information. We request this information in order to verify compliance with the CollegeData Site User Agreement and applicable federal, state and local law and for identification and security purposes. We may also ask that you provide to us certain other information, such as how you heard about CollegeData and what college planning resources you are using or have used.
When you use certain tools on this Site and when you save items to "My Profile," such information will be retained in a file specific to you.
Collection of Personal Information from Children Under Thirteen
1st Financial Bank USA does not knowingly allow children under the age of thirteen (13) to sign up for our services.
Do-Not-Track Signals from Users' Browsers
We do not use technology that responds to Do-Not-Track signals from your web browser.
Collection and Use of Information
When you visit our websites, we may use information that allows us to send your computer or device targeted messages and offers. We may use passive technologies such as cookies, location information, device-level advertising and user identifiers, and pixel tags to uniquely identify your computer or device and the pages you view. 1st Financial Bank USA may customize content and advertisements for our products and services based on this information. You may receive 1st Financial Bank USA ads for banking products and other ads either from 1st Financial Bank USA or CollegeData, a service provided by 1st Financial Bank USA. You must be 18 or older to apply for 1st Financial Bank USA banking products, including credit cards and prepaid cards.
If you prefer to not have us display such advertisements to you, you may opt out by visiting www.aboutads.info/choices. You may also opt out of receiving behavioral ads from many sites through the Network Advertising Initiative's (NAI) Opt-Out Tool or other tools provided by the publishing platform. Opting out relies on information in the unique cookies placed on your web browser by our partners, so if you delete cookies, use a different device, or change web browsers, you may need to opt out again.
If you opt out of such ads, you may still see ads related to 1st Financial Bank USA or CollegeData. These are ads that are not based on data collected via passive technologies. Some may be generic. Others may be presented to you based on your activity on the CollegeData site. The websites or services where these ads appear will have instructions about how to modify your advertising preferences within those sites. We encourage you to review those instructions and settings.
Can users access their information to correct or update it?
Users who have signed up for CollegeData can access the information they have previously entered to correct or update it by logging into the Site and going to "My Profile" or other feature in which they initially entered the information.
Information that is captured automatically by our site (such as visit date and time, IP address, device type, and pages visited) is not information that the user enters directly, and they cannot access or change it.
Whom does 1st Financial Bank USA disclose personal information to?
With affiliated third parties. We may reveal information about you to third parties affiliated with 1st Financial Bank USA to assist us with important risk management, legal, Internet, securitization, account-acquisition and marketing services.
What are the policies of 1st Financial Bank USA regarding promotional emails it may send?
A user has the right to opt out of promotional e-mails sent by us or one of our agents by clicking the unsubscribe link included in the e-mail to indicate that the user wants to opt out of receiving future promotional e-mails. We may send you e-mails about transactions with us or about your account even though you may have opted out of receiving promotional e-mails.
What are the policies of linked sites and other third parties?
What security measures does the Site employ?
We maintain physical, electronic, and procedural safeguards that are designed to guard your personally identifiable information, including the information we collect on this Site. Our security procedures are aimed at preventing unauthorized access to such information and are reviewed and audited periodically for compliance with federal standards. To help protect the privacy of data you transmit through use of this Site, all communication of personally identifiable information is transmitted over HTTPS using Transport Layer Security (TLS). Your registration and log in information are always transmitted using TLS, as is information submitted on an Admissions Profile or when using the EFC Calculator. We also recommend users access the Site with a browser that supports 128-bit encryption.
We require registering users to select a password to protect access to their information. Please do not share this information with others; any interaction with the Site using your e-mail address and password will be considered authorized by you.
How to Contact Us
1st Financial Bank USA
North Sioux City, SD 57049
Last Updated: March 10, 2023
Our Collection of Personal Information
|Categories of Personal Information||Examples|
|Identifiers||Real name, alias, postal address, unique personal identifier, online identifier, IP address and email address|
|Personal information categories in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))||Name, contact information, and education information|
|Education information||Name of high school attending or attended, year of high school graduation, expected year of college graduation, grades, transcripts, standardized test scores, and other similar education information|
We do not collect or process sensitive Personal Information, as defined under the CCPA.
We do not disclose the above categories of Personal Information to any third parties for our operational business purposes. We may, however, disclose the above categories of Personal Information to a third party in the context of any reorganization, financing transaction, merger, sale, joint venture, partnership, assignment, transfer, or other disposition of all or any portion of our business assets, or stock (including in connection with any bankruptcy or similar proceedings).
Purposes for the Collection, Use and Disclosure of Personal Information
We may collect, use or disclose the categories of Personal Information set forth in the table above for one or more of the following business purposes:
To operate, manage and maintain the CollegeData website and other online services and applications;
To personalize, develop, market and provide our products and services;
To accomplish our business purposes and objectives;
To conduct research and data analysis;
- To facilitate and implement any reorganization, financing transaction, merger, sale, joint venture, partnership, assignment, transfer, or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings);
To comply with law, legal process and internal policies; and
To maintain records.
We retain Personal Information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include:
The length of time we have an ongoing relationship with you and provide services to you (for example, for as long as you keep using our services) and the length of time thereafter during which we may have a legitimate need to reference your Personal Information to address issues that may arise;
Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them); or
Whether retention is advisable in light of our legal position (such as, in regard to applicable statutes of limitations, litigation or regulatory investigations).
Sources of Personal Information
We collected the categories of Personal Information set forth in the table above from the following types of sources:
Directly from you, such as from paper or electronic forms and applications you complete.
The CCPA gives you specific rights regarding your Personal Information. These rights are described below.
Access to Personal Information. You may request that we disclose to you the following information covering the 12 months preceding your request:
The categories of Personal Information we have collected about you;
The categories of sources from which we collected Personal Information about you;
The business or commercial purposes for collecting Personal Information about you;
The categories of Personal Information about you that we disclosed to third parties for a business purpose and the categories of third parties to whom we disclosed such Personal Information; and
A copy of your Personal Information including the specific pieces of Personal Information we have collected about you, including a copy of the Personal Information you provided to us in a portable format.
Delete Personal Information. You may request that we delete any Personal Information that we collected from you, subject to certain exceptions.
Correct Inaccurate Personal Information. You may request that we correct inaccurate Personal Information that we collect or maintain about you.
We will not unlawfully retaliate against you for making a request under the CCPA. In some instances, we may decline to honor your request where the law or right you are invoking does not apply or where an exception applies. We will verify and respond to your request consistent with applicable law, taking into account the type and sensitivity of the Personal Information subject to the request.
How to Make a Request
You may make a privacy request by calling us at 1-800-733-1732 or sending us a message through CollegeData’s website at www.collegedata.com/contact-us.
We cannot respond to a privacy request unless we are able to verify that the requestor is the California CollegeData user about whom we have collected Personal Information (“verifiable consumer request”). To enable us to determine whether a request is a verifiable consumer request, we may need to request additional Personal Information from you, such as your name, email address and date of birth, in order to verify your identity and protect against fraudulent requests.
Only you or an agent that you have authorized to act on your behalf may make a verifiable consumer request related to your Personal Information. You may also make a verifiable consumer request on behalf of your minor child. Before acting on a request from an authorized agent, we may require that you verify your identity and provide your written permission authorizing the agent to make a request on your behalf. We may decline to honor a request from an authorized agent who does not submit proof that you authorized him, her or it to act on your behalf.
We will not respond to an access request more than twice in a 12-month period.
Where we maintain or use de-identified data, we will continue to maintain and use the de-identified data only in a de-identified fashion and will not attempt to re-identify the data.
9. Contact Us for More Information
For questions or concerns about our privacy policies or practices, the ways in which we collect and use your Personal Information, your rights and choices regarding the collection and use of your Personal Information, and to exercise your rights under the CCPA, you may call us at 1-800-733-1732 or send us a message through CollegeData’s website at www.collegedata.com/contact-us.