Privacy Policy

Effective Date: January 31, 2011

Welcome to GreenNote. This Privacy Policy explains the practices of GreenNote, a division of cuLearn, LLC ("GreenNote," "we" or "us") with respect to how we collect, use, disclose and secure your personal information in connection with the GreenNote website at (the "Site") and GreenNote's microfinance and social networking service or related services ("Service"). This Privacy Policy applies to personal information we collect from you and from third parties, but does not apply to any personal information collected by third parties from you.

Changes in Privacy Policy

This notice describes our Privacy Policy effective as of the date indicated above. GreenNote reserves the right to change this Privacy Policy at any time so please review it frequently. We will provide notice of changes by indicating on the Privacy Policy the date it was last updated and making such updated Privacy Policy available on the Site. We may also choose to notify you of material changes to the Privacy Policy by email or by means of a notice on our home page.

Collecting personal information

We may collect personal information about you from you and from third parties, including personal, demographic and aggregate data. As used in this Privacy Policy, "personal information" means information that specifically identifies you, such as your name, address, telephone number, email address, social security number, driver's license number, bank account numbers, credit card number, and student identification number. Demographic information is anonymous information, which may include your age, date of birth, income, gender, geographic area, hobbies or interests. Demographic information is not considered personal information unless it is linked with your other personal information, which we may do for a variety of reasons such as customizing content or services according to your interests and preferences or verifying your identity. Personal information does not include aggregate information, which is data we collect about the use of the Site or Service (or categories of the Site or Service), from which personal information has been removed. Aggregate data are used for a number of purposes such as helping us understand trends and user needs so we can improve our products and services.

We may use a third party to provide identity verification services on our site. At the point that a donor expresses interest in making a transfer of funds available to you, we will share your name, address, phone number, and Social Security Number as necessary for such donor and/or such third party to verify your identity. Donors and such third party are prohibited from using your personally identifiable information for any other purpose.

Personal information may be collected in a number of ways, such as when you visit the Site with your Internet browser or use the Service. In addition, GreenNote may ask you to provide certain personal information when filling out and submitting registration forms or providing feedback to GreenNote. When registering or applying to receive or provide a transfer of funds pursuant to the Service, you may be asked to provide your social security number, a bank account number, contact information, your name and other personal information. Also, you may post to the Site or transmit to GreenNote personal information, photographs, videos, and other content, such as to your social networking profile, through messaging functionality on the Site, or to a public bulletin board, blog, chat room or other forum on the Site. You understand that information contained in your social networking profile may be generally available on the GreenNote site. Although your profile is specifically made available to prospective donors and people that they may potentially recommend, it may also be viewed by other individuals unless you opt to make your profile private. All such content that you post to the Site is done at your own risk and GreenNote bears no responsibility for any such content or any liability for any claims arising out of such content. You should also be aware that any personal information you use on our blog can be used, read, or collected by other users of the blog and could be used to send you unsolicited messages. We are not responsible for personal information you choose to submit in the blog.

When you use the Site, GreenNote may also collect certain information about your computer to facilitate and evaluate your use of the Site and the Service. For example, we may log environmental variables, such as browser type, operating system, referring or exit web pages, and the Internet Protocol (IP) address of your computer. We may on occasion supplement the personal information you submit to us with information from third-party sources. For example, if permitted under applicable law, we may supplement your Registration Information (defined below) with address standardization data to verify the address you have entered is actually your address.

Use of personal information

In general, we use personal information we collect to facilitate possible transfers of funds by donors to beneficiaries, to provide you with information or services you request, to inform you about other information and services we think will be of interest to you, to facilitate your use and our administration and operation of the Site and the Service, to learn more about and improve the Site and the Service, and for the purpose for which the information was provided. For example, we may use the information we collect in the following ways:

  • To facilitate the transfer of funds by a donor to a beneficiary pursuant to the Service.
  • To verify your identity and contact information.
  • To send you a welcoming email and contact you about your use of the Site and the Service, for administrative purposes or to provide you with customer service.
  • To respond to your emails, suggestions, feedback, requests for new features, help requests or other comments, questions or complaints.
  • To qualify your entry into a contest and to contact you regarding the contest or prize awards.
  • To track customer preferences and keep you informed about new services, special offers, and other products and services of GreenNote and selected third parties unless you have opted not to receive such communications or such communications are prohibited by law.
  • Use aggregate, non-identifying statistical data collected about the use of the Service and the Site (such as the number of downloads, viewing statistics of web pages, how many users we receive and the IP/Internet address of your computer) for improving the Site and the Service, providing more relevant experiences to our customers and for statistical analysis.

Sharing your personal information

We only share your personal information with unaffiliated third parties as permitted or required by law. For example, we may share certain of your personal information with:

  • Beneficiaries and potential beneficiaries, such as the donor's or prospective donor's name, address, phone number, and email address.
  • Donors and potential donors, such as the beneficiary's or prospective beneficiary's name, address, phone number, email address, and descriptive data about the potential beneficiary and his or her school.
  • Other potential donors who are members of the GreenNote Network--persons who may want to make a transfer of funds to a beneficiary based on shared background or interests (for example, alumni of and donors to a beneficiary's intended educational institution). As a beneficiary, you may choose whether or not to share your profile and associated information with other members of the GreenNote Network.
  • Companies that help us verify your identity.
  • Select companies that may make available to you products and services that we believe may be of interest to you. You will have the option to choose not to participate in ("opt out") this service, as the default option afforded to you at the time of registration is to share your information to such companies.
  • Law enforcement or other agencies, judicial proceedings, and other governmental authorities as required by law.

GreenNote reserves the right to disclose your personal information as required by law and when we believe that such disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served to GreenNote.

When we share your personal information with vendors and service providers who perform functions on our behalf, we require that they keep your information confidential and secure, and that they use it only as is reasonably necessary to carry out their work or comply with applicable law. In addition, personal information may be disclosed or transferred to our affiliates and as part of, or during negotiations of, a merger, consolidation, sale of company assets or equity, financing, acquisition, strategic alliance or in any other situation where personal information may be transferred as one of the business assets of GreenNote. GreenNote does not share, rent, or trade your personal information with third parties for their promotional purposes.

Protecting your personal information

We maintain administrative, technical and physical safeguards designed to protect the security, confidentiality and integrity of your personal information. The personal information that you provide online in connection with registering yourself as a user of the Site or of the Service (including to register as a beneficiary or donor) or use the Service is protected in several ways. Access by you to such personal information is available through a password and unique customer ID selected by you. This password is encrypted. To protect the confidentiality of such personal information, you should not divulge your password to anyone. You are responsible for all uses of the Site and Service by any person using your customer ID and password. Please advise us immediately if you believe your password has been compromised. In addition, your personal information resides on servers or in areas of facilities that only selected GreenNote personnel and contractors have access to. GreenNote encrypts all data that you submit to GreenNote through the Site, and thereby attempts to prevent unauthorized parties from viewing such information when it is transmitted to GreenNote. Please note that any information you submit by email may not be secure, so please do not send any sensitive information or materials in or attached to any email to GreenNote.

Please note that any information, photos, videos, and other content you post to your social networking profile or to any public bulletin board, blog, chat room or other forum is available to all persons accessing that location, and your e-mail address may also be posted on these venues. The information you share, including your email address, would then be available to all persons accessing these venues, and such information may be read, collected or used by others for any purpose, including sending you unsolicited messages. GreenNote is not responsible for any information you elect to submit in these venues or the use of such information.

Your choices regarding your personal information

GreenNote or third parties may communicate information to you regarding products, services and special offers available from GreenNote or selected third parties unless you have opted not to receive such communications or such communications are prohibited by law. If you do not wish to receive such communications, you may decide not to opt-in at the time of registration or information collection. After registration, you can change your contact preferences online at You may also change your contact preferences by sending an email to or mailing a request to GreenNote, Inc., Attn: Customer Care, PO BOX 3006, Rancho Cordova, CA 95741. Please note that even if you opt out of receiving email or other communications from GreenNote or third parties, you may still be contacted by email, telephone, or US mail regarding your use of the Service. Our systems may require time to update, so your opt-out requests may not be updated immediately.

Data not collected on the Site or in connection with the Service

Personal information that is not collected on the Site or in connection with the Service is not generally subject to this Privacy Policy. The Site may contain links to other websites at which personal information is collected. For example, GreenNote has established relationships with various service providers whose services are available to you from the Site, from websites that are linked to the Site, or in connection with the Service. Typically, these providers offer services that GreenNote customers might find useful, such as those that can be used in conjunction with Service. In order to use those providers' services, you may be required to provide personal information to the providers. Unless expressly provided to the contrary, the collection, use, disclosure and security of your personal information will be governed by the privacy policy applicable to that website, and not by this Privacy Policy.

Tracking, use of cookies, web beacons and similar tracking devices

In order to improve our Service and the Site and provide more convenient, relevant experiences to our customers, we and our vendors may use "cookies", "web beacons", and similar devices to track your activities. A cookie is small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you. It functions as your identification card and enables GreenNote to record your passwords, purchases and preferences. A web beacon is a small transparent gif image that is embedded in an HTML page or email used to track when the page or email has been viewed. A similar device may be used by which a product, service or functionality may send data to a server when a set of user-initiated events occur (such as after clicking a button on the Site or in an email). This device is similar to a cookie in that it tracks your visit and the data can only be read by the server that receives the data. It is different than a cookie in that it is not browser-based, may not function as an identification card and does not store any data on your computer. While GreenNote uses cookies and similar devices to track your use of the Site and the Service, such as the number of downloads, types of Service used, and how many users we receive daily, and while our web servers automatically log the IP/Internet address of your computer, GreenNote does not generally use this information to identify you personally. However, if you expressly provide consent for the Site or the Service to "remember" you when you log into your account, that unique identifier will be stored on a cookie on your computer and that unique identifier will be linked to your Registration Information. As a result, your navigation path around the Site and the Service will be tracked.

Most browsers are initially set to accept cookies and similar devices. You can set your browser to notify you when you receive a cookie or similar device, giving you the chance to decide whether or not to accept it. (For some web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies or similar devices will probably not be able to access those pages or the related products and services.)

This Privacy Policy covers the use of cookies by GreenNote and does not cover the use of cookies by any advertisers (if applicable).

Contacting GreenNote

If you have questions regarding our Privacy Policy or if you believe that GreenNote has not complied with this Privacy Policy with respect to your personal information, please contact us at or at the mailing address shown above. If you are reporting noncompliance with this Privacy Policy, in your e-mail or letter, please describe in as much detail as possible (but without disclosing any sensitive information about you or third parties) the ways in which you believe that the Privacy Policy has not been complied with.