At PayGrade, student privacy and security are our top priorities
Last Updated: September 14, 2020
1. What is COPPA ?
2. How PayGrade Complies with COPPA
To comply with COPPA, PayGrade does the following:
PayGrade takes student privacy seriously; that is why we collect only the minimal amount of information from a student to provide the Service – just a first name, username, and password. We do not ask for other information, such as gender, SSN, email, address, student ID, or age.
Below, we give an overview of the website, its educational function, and how we protect and secure student privacy.
Please take the time to get to know our privacy practices. If you have any questions, you can email us at firstname.lastname@example.org, and we will respond as soon as reasonably possible.
4. What is PayGrade?
PayGrade is an education software platform that allows teachers to manage their classroom while teaching essential finance skills to students. Students create a profile under a secure teacher’s account that they can log in to, set up a profile picture (the student’s teacher is prompted to approve the photo taken by the student before it can be shared with other students), and resume. Students then manage virtual (not real) checking, savings, and credit accounts. Students pay bills, purchase assets, and learn the advantages of saving. Teachers can use PayGrade to help incentivize behaviors they want to see in the classroom like completing work and showing the school’s norms through deposit and withdrawals, called Action Items. Teachers can also teach essential financial literacy skills through the use of PayGrade and its functions. Students have access to see, but not alter in any way, other students’ profile pictures, resumes, and personal account information. Students can see other students in their class, a news log of virtual deposits and withdrawals made each day, a leaderboard to see the virtual net worth and ranking of students, their virtual bills and virtual assets, the teacher approved profile pictures and student created resumes of that teacher’s class.
When students set up a PayGrade account, they input their first name and then create a unique username and password. We do not ask students to enter any other personal information when setting up an account. If a student’s school or teacher wants to use any of the data created by a student such as their resume or transaction history, the school will be responsible for obtaining any necessary parental consent under COPPA.
School administration or other decision-makers in the school may choose to purchase a school account in PayGrade. This allows the administration access to teacher and student accounts to add, edit, or delete student accounts transactions (deposits and withdrawals).
5. What Information does PayGrade Collect from students?
PayGrade collects the minimal amount of information from students necessary to create accounts on our Service: we ask students to provide a unique username, a first name, a password, and the unique code (similar to Google Classrooms) they have been given by their teacher to connect with a classroom. We also collect some information automatically through some tools or software. We will not use or ask for parent or students’ email addresses and have no intention of spamming or marketing to anyone. We do not ask students to enter any other personal information when setting up an account. See below for more information regarding the information we collect:
6. How does PayGrade use the Information it Collects?
PayGrade does not sell or rent any of you, or your student’s personal information to any third party for any purpose, including for advertising or marketing purposes. Targeted advertising is not permitted on PayGrade. We only use the information you provide us to:
7. Photos and Videos (User Content)
When students create an account, they are able to upload a picture of themselves. This photo is sent to be approved by the teacher prior to the class being able to see it. If we discover that we have collected information from a student in a manner that is inconsistent with COPPA, we will take appropriate steps to either delete the information or immediately seek the parent’s consent for that collection. We do not disclose any personal information about students to third parties, except to service providers when necessary to provide the Service, as required by law or to protect the security of the Service or other users. Information collected from students (including personal information and information collected automatically) is never used or disclosed for third party advertising or for any first- or third-party targeted advertising, and student’s personal information is never sold or rented to anyone, including to marketers, advertisers, banks, or other financial institutions. If a teacher chooses to set up their students’ accounts, he or she can choose to provide full names for students (e.g., first name and last name) when setting up their class; they can also opt to only provide non-identifying information (e.g., just first name, only initials, or even just seat numbers).
8. What Student’s Information is Visible to Others?
The student’s profile, picture, and resume are never made available or visible to the public through PayGrade. Teachers may share their classroom profiles with other teachers and administrators in the building, but without a media release and/or written permission from a legal guardian, students’ information is not available to use for any reason outside of the school. In addition, students can see each other’s profile pictures, resume, classroom jobs, net worth, net currency, and transactions through the news log and class ranking. This is similar to how a teacher might display classroom jobs, behavior charts, and progress toward a specific goal around the classroom. The only other time student information or teacher information is visible to others is when the teacher contacts PayGrade to assist in setting up, managing, navigating, editing, or deleting their account. PayGrade staff will also periodically access teacher accounts to see if they are using the account and send follow up emails with how to better use the software but they will not change, alter, or delete any information unless asked to do so by the teacher.
9. Will PayGrade share any information it collects?
10. How does PayGrade Protect and Secure your Information?
Your PayGrade account is protected by a password. You can help us protect against unauthorized access to your account by keeping your password secret and confidential at all times. The security of your personal information is important to us. We work hard to protect our community, and we maintain administrative, technical, and physical safeguards designed to protect against unauthorized use, disclosure, or access to personal information. We make every effort to maintain the security of personal information, and we work hard to ensure the integrity and security of our systems; however, no practices are 100% immune, and we cannot guarantee the security of information at all times. Outages, attacks, human error, system failure, unauthorized use, or other factors may compromise the security of user information at any time. If we learn of a security breach, we will attempt to notify you electronically (subject to any applicable laws) so that you can take appropriate protective steps. For example, we may post a notice on our homepage (www.paygrade.io) or elsewhere on the Service. Depending on where you live, you may have a legal right to receive notice of a security breach in writing.
11. Can I opt-out of providing information?
You can always decline to share personal information with us, or even block all cookies. However, it is important to remember that many of PayGrade’s features may not be accessible or function properly.
12. How can I access and manage my personal information?
PayGrade aims to provide you with easy access to any personal information we have collected about you. If that information is incorrect, we give you easy ways to update it, or to delete it, unless we have to keep that information for legitimate business (e.g., we need at least an email address for your account) or legal purposes. Upon request, PayGrade will provide you with information about whether we hold any of your personal information, and if you are a user of PayGrade, you may request access to all your personal information we have on file by contacting us at email@example.com. In some cases, we will not be able to guarantee complete access due to legal restrictions. For example, you will not be allowed to access files that contain information about other users or information that is confidential to us. We may not be able to fulfill requests that are unreasonably repetitive, require disproportionate technical effort, or would be extremely impractical.
13. How can I delete my account?
You can delete your account at any time by contacting us at firstname.lastname@example.org. If you are a school, teacher, or student, you can delete your account anytime by logging into your account and deleting your profile from the profile options. When you delete your account, we delete your profile information and any other content you provide in your profile (such as your name, username, password, email address, and profile photo).
14. Parental Choices
If you are the parent or legal guardian of a student who has created a PayGrade account and you do not want your student to have a PayGrade account, talk to your teacher about alternatives or to have him/her delete your child’s account and/or email us at email@example.com.
15. How Long Does PayGrade Keep Student Information?
16. How long does PayGrade keep information about Teacher/School?
17. Organization Accounts
18. Social Media Plugins/Widgets
19. How will PayGrade Notify me of changes to this policy?