Privacy Policy

1. Commitment to Borrower Privacy

VSACFederalLoans.org ("we", "us", or "our") operates as an independent educational resource. We respect the confidentiality of your personal and financial information. This Privacy Policy details our data collection practices, our adherence to the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and requirements set forth by our advertising partners, including Google AdSense.

2. Information We Do NOT Collect

We do not collect Social Security Numbers (SSN), FSA IDs, federal student loan account passwords, or bank routing credentials. Our interactive calculators execute client-side via JavaScript directly within your web browser. Any loan balances, interest rates, or Adjusted Gross Income (AGI) figures you type into our calculators are processed locally in your browser memory and are never transmitted to, stored on, or harvested by our web servers.

3. Automatically Collected Technical Information (Log Files)

Like most modern web platforms hosted on distributed content delivery networks (Cloudflare Pages), we automatically log certain non-personally identifiable technical information when you navigate our site. This may include:

• Internet Protocol (IP) addresses (anonymized at edge nodes)
• Browser type and version
• Operating system and device category
• Referring and exit URLs
• Date and time stamps
• Aggregated page interaction telemetry

4. Cookies, Web Beacons & Google AdSense / DoubleClick DART

We may partner with third-party vendors, including Google, to display advertisements on our website. Google’s use of advertising cookies enables it and its partners to serve ads to our users based on their visits to our site and/or other sites on the Internet.

• Google AdSense & DoubleClick DART Cookies: Google, as a third-party vendor, uses cookies to serve ads on VSACFederalLoans.org. Google's use of the DART cookie enables it to serve ads to users based on their visit to this and other sites on the Internet.
• Users may opt out of personalized advertising by visiting Google's Ads Settings at adssettings.google.com.
• Alternatively, you can opt out of a third-party vendor's use of cookies for personalized advertising by visiting aboutads.info/choices.

5. California Consumer Privacy Act (CCPA / CPRA) Disclosures

Under the CCPA and CPRA, California residents have the right to request:

1. The categories and specific pieces of personal information collected about them;
2. The deletion of personal information collected;
3. The right to opt-out of the "sale" or "sharing" of personal information for cross-context behavioral advertising.

Notice of Non-Sale: We do not sell personal information for monetary consideration. To exercise any CCPA rights, contact our Privacy Officer at privacy@vsacfederalloans.org.

6. European Economic Area (GDPR) Data Subject Rights

If you reside within the European Economic Area (EEA), you possess statutory rights under the GDPR, including the right to access, rectify, restrict processing, or erase your telemetry data. Inquiries may be directed to our editorial legal desk.

7. Contact Information

If you have questions regarding this Privacy Policy, please email our Compliance Officer at privacy@vsacfederalloans.org.