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Privacy Policy & Terms of Use: Student Loans & Student Loan Consolidation

Privacy Policy & Terms of Use

What Does e-Student-Loans Do with Your Personal Information?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • payment history and credit history
  • credit scores and account transactions

When you are no longer our customer, we continue to share your information as described in this notice.

 

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons e-Student Loans chooses to share; and whether you can limit this sharing.

 

Reasons We Can Share Your Personal Information

Does e-Student-Loans Share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We Do Not Share

For our affiliates’ everyday business purposes—
information about your creditworthiness

No

We Do Not Share

For our affiliates to market to you

No

We Do Not Share

For non-affiliates to market to you

No

We Do Not Share

 

Questions?

Call Toll Free: 800-639-3043

Who We Are

 

Who is providing this notice?

e-Student-Loans

What We Do

 

How does e-Student Loans protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings

How does e-Student Loans collect my personal information?

We collect your personal information, for example, when you:

·         apply for a loan

·         give us your income or contact information

·         give us your wage statements

We also collect your information from others such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

·         sharing for affiliates’ everyday business purposes-information about your creditworthiness

·         affiliates from using your information to market you

·         sharing for non-affiliates to market you

State laws and individual companies may give you additional rights to limit sharing

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

e-Student Loans does not share with our affiliates.

Non-Affiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

e-Student Loans does not share with our non-affiliates.

Joint Marketing

A formal agreement between non-affiliated companies that together market products or services to you.

Other Important Information

California Residents: We do not share any personal information about you with any affiliated or nonaffiliated company to the extent that the information sharing would be subject to an opt-out or opt-in right under California law. We do not share any personal information with anyone for their direct marketing purposes. We do share personally identifiable information about you with credit bureaus and service providers who assist us with identity verification and locating; loan servicing, certification, and insurance; and document signing. You may review and request changes to the personally identifiable information about you that is collected through our Website. To request changes to any information, please contact us at 800-639-3043 or This email address is being protected from spambots. You need JavaScript enabled to view it. . We will notify you of any material changes to this privacy notice by posting a revised privacy notice on this Website or a similar website that replaces this Website.

       

 

We reserve the right to change this Privacy Policy at any time. Upon any change, we will post the revised Privacy Policy on this website, and change the effective date noted below. You are encouraged to check this page periodically so that you are aware of any changes that may occur.

 

Last Modified: December 15, 2012