Privacy Policy

1. Who We Are

Descifra is a private student loan analysis and strategic planning service offered to individual borrowers and through employer-sponsored financial wellness programs.

The service is operated by Hermes Conesa LLC.

Contact: info@descifra.co

2. Information We Collect

Depending on the services requested, we may collect:

• Contact details, including name, email address, and telephone number.
• Employment, household, tax, income, and financial information provided through forms or communications.
• Student loan balances, interest rates, repayment plans, and loan histories.
• StudentAid.gov data files, including NSLDS files voluntarily provided by clients.
• Information necessary to process requests, prepare analyses, and respond to inquiries.
• Technical website information when collected through our service providers.

Some documents may contain sensitive personal information. Clients should provide only the information reasonably necessary for their requested service.

3. How We Use Information

We use information to evaluate individual circumstances, model repayment scenarios, identify opportunities, prepare recommendations and reports, communicate with clients, administer payments and business records, support service operations, improve security, and comply with applicable legal obligations.

4. Employee Information and Employers

When Descifra is offered as an employee benefit, employees’ personal financial information is used to prepare their individual analyses.

We do not share individual student loan records, income information, tax information, or personalized financial recommendations with employers, except with the employee’s express authorization or when legally required.

We may provide organizations with general statistics, averages, or other aggregate information about program participation and results, without disclosing identifiable individual financial information.

5. Technology Providers

Descifra may use third-party providers for website hosting, intake forms, payment processing, communications, analytical services, and document storage.

These providers may process information necessary to perform their respective services under applicable terms and privacy practices.

6. Security and Retention

We apply reasonable measures intended to protect personal and financial information from unauthorized access, use, or disclosure.

To provide our services, we retain client-provided NSLDS files, generated analysis reports, and email communications in Google Drive folders. Other technology providers may process information during data collection and service delivery.

No electronic system can guarantee absolute security.

We retain information as needed to provide services, satisfy legal requirements, and maintain legitimate business records.

7. Your Requests

You may contact info@descifra.co to request access to, correction of, or deletion of your personal information, subject to applicable legal and operational requirements.

8. Cookies and Website Analytics

Our website may use technical or analytical tools that collect information about website operation and usage.

9. External Links

Our website may link to StudentAid.gov, loan servicers, and other third-party websites. Their privacy practices are independent of ours.

10. Changes and Contact

We may update this policy to reflect operational, technological, or legal changes. The published version will include its latest update date.

Privacy inquiries: info@descifra.co