California Privacy Policy
This California Privacy Policy ("Policy") supplements the information contained in the Navient.com Online Consumer Information Privacy Policy and the NaviRefi.com Online Consumer Information Privacy Policy, and applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020, and any terms defined in the CCPA have the same meaning when used in this notice.
This Policy describes how we collect, use, disclose, and process personal information within the scope of the CCPA. "Personal information" is defined as information that identifies, relates to, describes, or is reasonably capable of being associated with, or could be reasonably be linked, directly or indirectly, with a particular consumer or household. Personal information does not include publicly available information, or consumer information that is deidentified or aggregate consumer information.
Please note that some of the personal information we process about you may be exempt from the scope of the CCPA because it is subject to other federal privacy laws, such as the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA). Learn more about how we protect your information under the GLBA and FCRA.
Categories of Personal Information Collected
In the past 12 months, we have collected the following categories of personal information:
Identifiers, including those listed in the California Customer Records Law, such as name, Social Security number, driver’s license number, state identification card number, passport number, address, email address, telephone number, device identifier, and Internet Protocol (IP) address.
Characteristics of protected classifications, such as age, citizenship, marital status and veteran or military status.
Commercial information, such as records of products or services purchased.
Internet/Electronic network activity, such as browsing history and interactions with our Site.
Geolocation data, such as the physical location of your device.
Professional/Employment-related information, such as employment history.
Non-Public Education Information, such as school completion status, grade point average, college plans, and student financial information.
Financial information, such as income and credit bureau information, and bank account number.
Inferences, such as profiles generated from visits to our Site.
Sensitive Personal Information, such as Social Security Number, driver’s license number, state identification card number, account log-in credentials, credit or debit card number in combination with security code, and information concerning an individual’s health.
Sources of Personal Information
We obtain the categories of personal information listed above from the following categories of sources:
Directly from consumers, such as when they apply for a product, service, contest, or offer from us or our affiliate(s).
Indirectly from visitors to our website and through the use of tracking technologies such as cookies.
From our affiliates, for purposes of managing the servicing of loan accounts, or marketing our products and services.
From our clients, for whom we manage the servicing of their customers’ loan or debt on their behalf.
Consumer reporting agencies, for purposes of obtaining credit information when a consumer applies for a loan with our affiliates.
Publicly available data sources.
Service providers and contractors.
Joint-marketing partners.
Business Purposes for Data Collection, Use, and Disclosure
We may collect, use, and disclose your personal information for the following purposes:
Operate and improve our websites ("Sites") and service offerings.
Deliver products and services to people who use the Sites, including allowing 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 Sites, assist us with resolving visitors' questions regarding the use of our Site, and determine whether the content on our Site is effective.
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. 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 select Sites and customize the communications and advertisements you receive from us, our affiliates, and others.
Comply with legal or regulatory requirements.
Analytic purposes to determine the effectiveness of our marketing and other communications, and to make those communications more useful and interesting to you.
Identify and repair errors that impair our systems and processes.
Recipients of Personal Information
In the past 12 months, we have disclosed the categories of personal information identified above to some or all of the following categories of recipients:
Our affiliates.
Service providers and contractors.
Marketing partners.
Analytics providers.
Credit reporting agencies.
Government, legal, or regulatory agencies or officials, upon request or when required.
Data Retention
Personal information related to the servicing of your loan or credit account with us is retained for as long as necessary to fulfill our legal and regulatory obligations.
Your Rights and Choices
The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights, subject to exceptions under the law.
Right to Know About Personal Information Collected, Disclosed, Or Sold ("Right to Know")
You have the right to request to know what personal information we have collected about you, including:
The categories of personal information collected
The categories of sources from which the personal information is collected
The business or commercial purpose for collecting or selling personal information
The categories of third parties to whom the personal information is shared, as defined above
The specific pieces of personal information collected about you that is permitted by law
Right To Request Deletion of Personal Information ("Right to Delete")
You have the right to request that we delete any of your personal information that we collect, subject to certain exceptions. Most of the information we maintain is used in connection with making and servicing your loan or other Navient products and is therefore exempt from the CCPA.
Right to Correct Inaccurate Personal Information ("Right to Correct")
You have the right to request correction of inaccurate personal information that we maintain about you or update the information we have on file.
Right to Opt-Out of Sale or Sharing Your Personal Information
The CCPA provides consumers with the right to opt out of the sale or sharing of their personal information.
"Selling" is defined in the CCPA as sharing, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating personal information to a third party for monetary or other valuable consideration.
"Sharing" is defined in the CCPA as sharing, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating personal information to a third party for cross-context behavioral advertising (or "targeted advertising").
We do not offer an opt-out since we do not sell or share personal information as defined under the CCPA, nor do we treat opt-out preference signals as opt-out requests.
Right to Non-Discrimination For The Exercise Of Your Privacy Rights
You have the right to be protected from discrimination for exercising your CCPA rights. We will not discriminate against you for exercising your rights under the CCPA.
Right to Limit the Use of Sensitive Personal Information
The CCPA permits consumers to limit the use of sensitive personal information if it is used for purposes other than exceptions stated in the regulations, including the servicing of accounts, processing payments, detecting security incidents that could compromise the confidentiality of personal information, and short-term, transient use, such as for non-personalized advertising as part of a consumer’s current interaction with the website. We do not use sensitive personal information in any manner that requires offering a right to limit its use.
To Submit a Request to Exercise Your Right to Know, Delete, or Correct
You may submit your request using this form, or call us toll-free at (866) 439-0996. We will compare the information you submit to us with the information we have in our records to ensure your request meets the definition of “verifiable consumer request” under the CCPA. The information you may be asked to provide may include your name, address, email address, telephone number, and account number. We will then respond to your request in accordance with CCPA requirements.
Children Under the Age of 16
We do not knowingly collect, disclose, sell, or share the personal information of children under the age of 16.
Designating an Authorized Agent
You may use an Authorized Agent to submit a request to know or a request to delete. The person you may have previously designated to act on your behalf for another purpose with us may be used to submit this request for you. If you haven’t previously designated an Authorized Agent, you may do so by contacting us using the information below or through this form.
Contact For More Information
If you have any questions or comments not addressed in this Privacy Policy, you are welcome to contact us at (800) 428-1039.
Hours of operation:
Monday – 8 a.m. to 9 p.m., ET.
Tuesday and Wednesday – 8 a.m. to 8 p.m., ET.
Thursday and Friday – 8 a.m. to 6 p.m., ET.
This Privacy Policy was Last Updated October 2024.