We only have access to/collect personally identifiable information or similar personal information that you voluntarily give us, including, without limitation: (i) in connection with an application for one of our scholarship sweepstakes (the “Scholarships”) offered on the Website, or (ii) via the Website’s contact page, email or other direct contact from you. CometFI.com is the sole owner of the information collected by or through the Website.
During an application for our Scholarships, applicants are required to provide us certain types or categories of information regarding themselves and/or their children, as applicable, including, but not limited to:
In contacting us through the Website’s contact page, you are required to provide us with your name and email address and also may provide a phone number or other personal information.
In addition to the above personal information, we also may obtain information about you, your computer or mobile device, IP address, Internet service provider, referring/exit pages, web browser, computer or device platform, related software and setting, browsing actions and patterns, and your use of the Website through the use "cookies" and clear gifs (a.k.a. Web Beacons/Web Bugs).
Cookies help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web server. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features from the Website.
Clear gifs help us better manage what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on web pages or in emails and are about the size of the period at the end of this sentence. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. We tie the information gathered by clear gifs in emails to our users' personal information.
We may use your information, including your personally identifiable information, to:
If you do not want to receive email messages from us, you will be given the option to opt out in connection with your application for a Scholarship, in every email CometFI.com sends, or you may email us directly at Support@CometFI.com.
We may share your information, including your personally identifiable information, as follows:
We take reasonable precautions to protect your information. When you submit information via the Website, your information is protected both online and offline. Only our employees who need the information to perform a specific job are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
Disclaimer: Comet Financial is a free website designed to help those with student loan debt evaluate their options to help reduce that debt. Before recommending any services we put lenders thru a vetting process that includes: the competitiveness of rates, repayment options and terms, any discounts offered, any fees or penalties to be aware of, responsiveness to customers and applicants, and the lenders overall reputation and history. Comet Financial is not a lender and is not involved in the refinance approval process, nor do we make credit related decisions. The lenders profiled on our site are the ones who will refinance your debt. We will sometimes earn a bounty for recommending various products and services to you. Actual interest rates and potential savings may vary on your credit score, current student loan debt situation, household-income, savings, type of degree, school, and your overall debt-to-income ratio. Here at Comet Financial we strive to provide the most up-to-date information, but we recommend you always check with the individual lenders for current rates, terms and overall conditions before refinancing or consolidating your loans.