Privacy Policy

Updated November 5, 2019

We know that privacy is paramount to us, and we want to treat you the way we would want to be treated. Because we see ourselves as trusted custodians of your data, we want you to have the safeguards in place to protect it and detail how we use it. We use your data in a secure manner to help provide clarity on financial pathways. We are committed to continuously improving the customer experience, providing clear explanations on how we use data, and maintaining compliance with all applicable laws and security standards.  

To maintain our security standards, we use advanced security tools and we train our team annually on best practices to keep your data safe and secure. Quatro maintains your data privacy by allowing only authorized team members to access information when it is critical to complete tasks for you.

This Privacy Policy was developed to help you understand how we collect, use, communicate, and disclose information.  We collect information from you in order to provide valuable service. This Privacy Policy applies to Quatro, Pay4Education, Inc., its affiliates, applications, and subsidiaries related by common ownership or control (“we,” “us,” and “our”) for our sites, products, and Services (“Services”) which are targeted to US customers.

Our Information Collection: To use our Services, we may collect Personal Information from you which can be used to identify you, including, but not limited to your name, email address, education information, financial information, username, and password.

We collect information when you register or open an account, sign in, purchase a Service, enter into an online transaction, call or email us for support, give us feedback through surveys, participate in marketing initiatives, or provide user-generated content or submissions to us. 

We may also work with other companies or third parties, such as when you sync a third party account or service with your Quatro Service, or when we may use service providers to supplement the Personal Information you give us (e.g., validate your mailing address) or Usage Data to help us maintain the accuracy of your data and provide you with better service. For instance, we may provide special offers available based on your user input credit profile so that we can give you more personalized recommendations.

Finally, we also collect content or other information that you may provide or create when you interact with our Services.  

Also, we collect Usage Data when you utilize our Services, such as Internet Protocol (“IP”) addresses, log files, unique device identifiers, pages viewed, browser type, any links you click on to leave or interact with our Services, and other usage information collected from cookies and other tracking technologies.  For instance, we collect IP addresses to assess how you navigated to our Services. In addition, we collect IP addresses as a part of our security features. When we collect such Usage Data, we will treat the same as Personal Information.

Based on our company’s growth mindset, our Services is continuously improving over time.  Hence, we may collect new or different types of information, enhance our Services, and offer new features.

Our Use of Information: Unless prohibited by law, regulation, or a contractual obligation, we may use your Personal Information to:

  • Provide Services requested by you.

  • Communicate important information via email, push notifications, browser notifications, or even snail mail. 

  • Offer other products, Services, promotions, contests, or scholarships of ours, our affiliates, or our third-party business partners that may be of use to you with third parties, such as advertisers or partners, for research, academic, marketing and/or promotional purposes

  • Provide customer support to respond to your requests, questions, and/or complaints

  • Verify the information you provide to us

  • Confirm your identity and eligibility to use the Services

  • Establish and manage your account

  • Perform research and analysis to develop and improve the Services that we may offer that can be tailored to your interests

  • Understand and anticipate your use of or interest in, our Services, content, and the products, Services, and content offered to trusted third parties, such as advertisers or partners, for research, academic, marketing and/or promotional purposes

  • Measure the overall effectiveness of our online advertising, content, programming, and other activities

  • Manage our business and operations while protecting the security and integrity of the Services, including combating fraud, security, or technical issues related to our Services or our partners.

  • Use or post user-provided content as permitted in our Terms of Use

Use of Cookies: Cookies are small text files sent via your web browser by a website your visited and then are stored on your computer. Cookie files allows your web browser and the visited website to recognize you in order to make your next visit tailored to you and easier to navigate.  Quatro uses a number of session and persistent cookies to enable you to easily return to your college affordability plans, to store your preferences, provide analytics, and possibly in the future enable advertising delivery.

You can choose not to receive our cookies. If this is the case, we cannot guarantee that our site will recognize on a return visit. Your web browser has processes to opt-out of the use or our cookies as well as others.  Check out these resources:

Our Sharing Practices:  We may disclose or share other information from or about you, including your Personal Information, as follows:

Third Party Service Operational Providers. In order to provide our Services, we may use various third parties cookies and share your information, including Personal Information and Usage Data, with third party service providers who help us operate our business processes like website design, sending email communications, fraud detection, and prevention, customer care, or performing analytics. Because privacy is paramount, our contracts with these third parties include provisions that require them to maintain the confidentiality of the Personal Information we provide to them and restrict them to only act on our behalf to only use Personal Information for purposes of providing to us Services on our behalf.  

Response to Legal Requests.  When we have a good faith belief we are obligated or permitted to share your information with courts, law enforcement agencies, or other government bodies based on a court order, subpoena, search warrant, or other law enforcement request, we will provide Personal Information and Usage data.

Data Protection. We assess when to share Personal Information and Usage Data with third parties that help with fraud protection and credit risk reduction in order to protect the rights, property, or safety of Quatro, our Services, our users, and/or others.

Information Sharing Between Quatro Entities. We share your information, including your Personal Information and Usage Data, with and among our affiliates and subsidiaries, except where prohibited by law, regulation, or a contractual obligation.  Affiliates and subsidiaries may be related by common ownership or control or partners in contractual obligations. The reasons why we share your information is for cross-marketing purposes, or in connection with a request made by you or your opt-in or consent.  Once you opt-in, you are giving permission for us to offer other products or Services through our website and if our Affiliates, subsidiaries, and partner communications.

We may also share information about your creditworthiness, your transactions, and other Usage Data so that we can operate our business effectively, detect and prevent fraud, and improve our Services.

‚ÄčAdvertising Service Providers.  We may share your Personal Information and/or Usage Data who are advertising networks, marketing partners, publishers and other entities who perform analytics and advertise our products and services on websites not affiliated with us.  These Advertising Service Providers may use cookies, web beacons, and similar technologies to collect behavioral information about how you use our site or other websites in order to perform tracking and marketing analytics or serve advertisements that are more likely to be of interest to you.  Advertising Service Providers have their own mechanism for you to opt out of some or all services on designated websites. Quatro does not control these opt-outs, which may be updated or removed in accordance with their own policies.

Sale of Our Business.  If we sell, merge, or transfer any part of our business, we may be required to share your information. If this occurred, we will ask you if you would like to continue to receive promotional information following any change of control.

Updating Your Information:  The appropriate method(s) for accessing your Personal Information will depend on your Services. Depending on the respective Site or service, you may have the ability to view or edit some of your Personal Information online.

Children's Online Privacy Protection Act of 1998 ("COPPA") and California Privacy Rights:  No Personal Information is shared with third parties for marketing and purposes without your consent. Quatro does not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as Users. The Service and its content are not directed at children under the age of 13. In the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at legal@quatromoney.com

Visiting our Websites from Outside the United States:  Our website and Services are governed by the laws of the United States and is intended for the enjoyment of residents of the United States only. We make no representation that the website and Services are governed by or operated in accordance with the US laws.

Changes to Our Privacy Policy:  Periodically, we may enhance our Privacy Policy.  We reserve the right to make changes or updates at any time.  If we make material changes to the way we process your Personal Information or Usage Data, we will revise the date on this webpage. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the Information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications. If you no longer wish to use our Services based on these changes, you may close your account(s).

If you have questions, complaints, or suggestions regarding our Privacy Policy or practices, please contact us at legal@quatromoney.com.

Congratulate yourself for reading the Privacy Policy.  You are a smart, informed cookie. That is why you are using Quatro.