Navient Online Consumer Information Privacy Policy

Navient Solutions, LLC (“Navient”) is dedicated to helping our clients and the people we serve along the path to their financial success. To further our mission, we host innovative websites and mobile applications and provide visitors with helpful and timely information along with interactive tools. We respect the privacy and security of information about our customers and visitors to this website. This Online Consumer Information Privacy Policy (“Privacy Policy”) describes our privacy practices concerning information collected in connection with Navient’s general product and services website (the “Site”), which is located at Navient.com, and sets forth our policies on how we collect, use, and disclose information collected on this Site. By visiting our Site and/or using the features made available to you on the Site, you are agreeing to the terms of this Privacy Policy.

Navient also shares customer information with affiliates and outside companies. Navient’s Privacy Notice describes our principles and practices regarding how we share customer information with affiliates and outside companies.

Information We Collect

We may collect both Personal Information and Other Information in connection with the services on the Site. “Personal Information” is any information that alone or together with other information in Navient’s possession relates to an identified or identifiable person, such as name, phone number, email, address, and online account information such as username and password. “Other Information” is any additional information that is not Personal Information, such as information about usage of the Site that does not identify you personally or certain information that we or third parties collect about you in other contexts. If we combine Other Information with Personal Information, we will treat the combined information as Personal Information in accordance with this Privacy Policy.

Personal Information We Collect Directly from You

We collect Personal Information when you voluntarily choose to provide such information directly to us, such as when you register for access to the Site, fill out an application for a loan or credit, create an account with us, manage your account on our Site, contact us with inquiries, request information or materials from us, or otherwise interact with our Site. Such information may include your name, phone number, email, address, social security number, date of birth, information regarding your academic record, and online account information such as a username and password.

Personal Information We Receive from Third Parties

We may collect and receive Personal Information about you from third parties, such as our affiliates, joint-marketing partners, consumer reporting agencies, or third-party data providers. Such information may include demographic information, income or credit information, information regarding your academic record, or information about the products and services that we believe may interest you.

Log Data and Other Information

We and our affiliates and our third-party service providers may automatically collect and store certain information when you visit or use the Site, including information such as the Internet Protocol (IP) address of the device you use to connect to the Internet, browser type, device type, mobile device ID (UDID), screen size and resolution, Internet Service Provider (ISP), the Site you came from and exited to, operating system, user agent string, Internet connection type, links you click, searches conducted on the Site, date/time stamp, and pages visited. To obtain such information, we may use logs or applications that recognize your computer and gather information about its online activity.

Cookies and Other Technologies

We and our affiliates or our third-party service providers may place and read data stored (via session and/or persistent "cookies" or other device specific storage capabilities) on the device you are using, and use other technologies such as web beacons (including clear GIFs, tracking pixels, JavaScript, and tags), when you visit or use our Site or open a Navient email. Cookies are small data files that are placed on your device for a variety of purposes, including to identify your device and/or your account when you return to the Site. A web beacon is an electronic file or code that usually consists of a single-pixel image or tag that is embedded on a website or in an email. We and our service providers may use web beacons and cookies to determine whether and when you receive and open our emails; these beacons and cookies may also capture information such as the type of device, operating system, email program, and web browser used to view the email or the advertisement, the IP address from which you opened the email or the advertisement, whether you click on any advertisements or links in the email, and which documents you download. These technologies enable us to gauge the effectiveness, relevance, and value of our email communications, as well as to target relevant advertising to you and to measure the impact of that advertising on your Navient relationships.

You can generally remove, block, or disable cookies by using the settings located in your browser. If you decide to remove or not accept cookies, some features and services on our Site may not work properly and the offers we provide when you visit or use our Site may not be as relevant to you or tailored to your interests. For further information about deleting or blocking cookies, please visit: http://www.allaboutcookies.org/manage-cookies/. Information about how to opt out of the use of cookies for certain purposes (such as interest-based advertising) is discussed below in the section titled “Third-Party Analytics and Interest-Based Advertising.”

How We Use The Information That We Collect

We and our affiliates or our third-party service providers may use the Personal Information that we collect from you or from third parties, transaction information, and Other Information that we or our third-party service providers collect from our server logs, cookies and other technologies for a variety of purposes, including to develop, offer, deliver and improve our products and services, to offer products and services of our affiliates, marketing partners, and other companies, to process your refinance applications or other transactions, to fulfill legal and regulatory requirements, and as otherwise permitted by applicable law. For example, we may use the information to:

  • Operate the Site;
  • Deliver products and services to people who use the Site, including to allow you to apply for refinancing or other loans, to service your loans, and to provide you with firm offers of credit;
  • Understand how visitors use our Site, assist us with resolving visitors' questions regarding the use of our Site, and determine whether the content on our Site is effective;
  • Improve our Site and service offerings;
  • Communicate with you, notify you about important updates or changes to Navient’s products and services, and address relevant inquiries or complaints;
  • Market and promote products and services offered by Navient, our affiliates, and others, both online and offline, consistent with applicable law. For example, we may use your Personal Information, such as your email address or phone number, to contact you about products or information we think might be of interest to you. Although we hope you find our promotional communications of interest, you may opt out of receiving our marketing emails by following the “unsubscribe” instructions at the bottom of each marketing email communication. Further information about Navient’s principles and practices regarding the sharing of customer information with affiliates and outside companies can be found in our Privacy Notice;
  • Personalize your experience on the Site and customize the communications and advertisements you receive from us, our affiliates and others, including as discussed in the section below titled “Third-Party Analytics and Interest Based Advertising”;
  • Comply with legal or regulatory requirements; or
  • Let us know which emails and online advertisements have been opened by recipients to understand the effectiveness of our marketing and other communications and to make those communications more useful and interesting to you.

Our Disclosure of Your Personal and Other Information

We may share your Personal and Other Information with other parties for a variety of purposes, as described below.

Affiliates: We may disclose Personal and Other Information to Navient affiliates for the purposes described in this Privacy Policy. Navient affiliates may contact you by e-mail or other means, where permitted by law, to make you aware of Navient’s product and service offerings.

Service Providers and Business or Marketing Partners: We may disclose Personal and Other Information to our service providers and business partners, who use it to perform tasks on Navient’s behalf or for joint marketing efforts. Among other things, service providers help us manage and improve the Site, provide Navient services, send firm offers of credit and promotional materials to you, provide payment processing services, provide debt collection services, and administer your accounts. Our service providers may collect, process, and retain information about you directly on behalf of Navient. Our service providers are prohibited from using the information we provide to them for their own purposes or for the purposes of any other entity.

Consistent With Our Financial Privacy Notice: We may also share our customer’s Personal and Other Information with affiliates and outside companies as described in our Privacy Notice.

Legal Purposes: We also may use or share your Personal or Other Information with third parties when we believe, in our sole discretion, that doing so is necessary:

  • to comply with applicable law or a court order, subpoena, or other legal process;
  • to investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of our terms and conditions, or situations involving threats to our property or the property or physical safety of any person or third party or for risk management purposes;
  • to establish, protect, or exercise our legal rights or defend against legal claims; or
  • to facilitate the financing, securitization, insuring, sale, assignment, bankruptcy, or other disposal of all or part of our business or assets.

Aggregated or De-Identified Information: From time to time, Navient may share aggregated or de-identified information about users of the Site or Navient’s products and services, such as sharing reports on the usage of the Site or Navient’s services for regulatory reporting or marketing purposes.

Third-Party Analytics and Interest-Based Advertising

We partner with third parties to collect information to engage in analysis, auditing, research, and reporting. These third parties may set and access cookies on your computer or other device and may use web beacons (including clear GIFs, tracking pixels, JavaScript, and tags) to collect information about your activity on the Site and how you respond to our marketing emails. In particular, the Site may use Google Analytics or Adobe Analytics to help collect and analyze certain information for the purposes discussed above. You may opt out of the use of cookies by Google Analytics here.

We also partner with third parties to provide targeted advertising services that are customized based on your online activities over time and across unaffiliated websites (“Interest-Based Advertising”). These third parties may use cookies and web beacons (including clear GIFs, tracking pixels, JavaScript, and tags) to collect information about your activity on our Site, and they may combine it with information about your activity on other, unaffiliated websites, information that we have collected about you in other contexts, or demographic information. For example, third parties may use the fact that you visited the Site to target online ads for Navient services to you on non-Navient websites and to send targeted marketing emails to you. For information about behavioral advertising practices, including privacy and confidentiality, visit the Network Advertising Initiative website or the Digital Advertising Alliance website.

The use of online tracking mechanisms by third parties is subject to those third parties’ own privacy policies. You may remove yourself from the targeted advertising of companies within the Network Advertising Initiative by opting out here, or of companies participating in the Digital Advertising Alliance program by opting out here. Please note that the opt-out will apply only to the specific browser or device from which you opt out, and therefore you will need to opt out separately on all of your browsers and devices. If you delete or reset your cookies, change browsers, or use a different device, any opt-out cookie or tool may no longer work and you will have to opt out again.

Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser “do not track” signals, but you may opt out of interest–based advertising of companies within the Network Advertising Initiative and for companies participating in the Digital Advertising Alliance by visiting the opt-out pages described above. Please see the About Our Ads page for additional information about the ways in which we may display ads to users while on our Site.

Reviewing and Updating Your Information

Unless prohibited by law, you have the right, upon reasonable notice, to view any Personal Information collected from you through your visits to or use of our Sites, to make corrections to such information if necessary, or to request that such information be removed from our systems. You may do so by contacting us at the address indicated at the end of this Privacy Policy.

Security

In our information technology systems environment, Navient maintains commercially reasonable administrative, technical, and physical safeguards designed to protect your personal information against loss or unauthorized access, use, modification, or deletion. However, no security program is foolproof, and thus we cannot guarantee the absolute security of your personal or other information.

Children’s Privacy

The Site is not directed to children under the age of 13, and we do not intend to collect personal information from children under 13 years of age. If we learn that we have collected this information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our system.

Changes to this Privacy Policy

Technology and the Internet are rapidly changing. Navient therefore is likely to make changes to the Site in the future and as a consequence will need to revise this Privacy Policy to reflect those changes. Navient will post all such changes on the Site, with an “effective date” indicating when the changes will take effect, so you should review this page periodically.

Contacting Us

If you have any questions or comments about this policy, you are welcome to write or call us toll free at:

Consumer Privacy
Navient
P.O. Box 9500 
Wilkes-Barre, PA 18773-9500
(800) 428-1039

Hours of operation: Monday – Thursday 8 a.m. to 9 p.m., and Friday 8 a.m. to 8 p.m., ET.

The effective date of this Online Consumer Information Privacy Policy is 10/31/2018. It replaces all prior online information privacy policies posted by Navient Corporation, Navient Solutions, LLC or any other Navient company on its corresponding Sites. We reserve the right to change our Online Consumer Information Privacy Policy. Any changes to our Online Consumer Information Privacy Policy will be reflected in the updated version displayed at our corresponding Site.


© 2018 Navient Solutions, LLC (NMLS #212430). All rights reserved.

Navient and the Navient logo are registered service marks of Navient Solutions, LLC. Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America.