Version 2.0, Effective October 1, 2017
- Agree to the Student Loan Genius Payment Service End-User Agreement;
- Agree to the Student Loan Genius Advisor Service End-User Agreement;
- Interact with SLG off-line or online.
Collection and Use of Personal Information
In order to provide services through our Website we may collect the following Personal Information from you:
- Contact information such as name, email address, mailing address, and phone number
- Financial information such as bank or brokerage account numbers, and types of investments
- Unique identifiers such as user name, account number, and password
- Geolocation information, depending on the specific SLG services you use
- Other information that may be required under federal or certain state laws
We may also collect the following information from you:
- Demographic information such as education, gender, communication choices, and user preferences
- Adjusted gross income and spouse’s adjusted gross income
- Credit score – self-reported
- Employment information
- Interest in and use of advertising and marketing in conjunction with use of the services
We use this information to:
- Provide services through our Website
- Send you requested product updates or service information
- Respond to customer service requests
- Send you a newsletter
- Respond to your questions and concerns
- Improve our Website and our marketing efforts
- Conduct research and analysis
- Display content based upon your interests
We communicate with you through email, notices posted on our Website. Examples of these communications include, but are not limited to: account and relationship details; communications regarding your payment history; SLG’s newsletter; and marketing emails. You may choose to stop receiving our newsletter or marketing emails by following the “unsubscribe” instructions included in these emails, or you can contact us at email@example.com. Please note that you may not opt out of transactional messages or other mandatory service communications.
If you provide us personal information about another person (e.g., your spouse or child), or if another person provides us your personal information, we will only use that information for the specific reason for which it was provided to us.
The security of your Personal Information is important to us. When you enter personal or sensitive information on our Website, we encrypt the transmission of that information using secure socket layer technology (SSL).
We follow generally accepted best practices to protect the information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at firstname.lastname@example.org. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
If you have any questions about security on our Website, you can contact us at email@example.com.
Safe Harbor Requirements
It is the policy of SLB/SLG to comply with the requirements of the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework, as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland. PwC has certified that it adheres to the Safe Harbor Privacy Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement with respect to all personal information transferred from the EU or Switzerland to the US (personal information) within the scope of its Safe Harbor certification. In addition, certain personal information may be subject to more specific privacy policies of PwC, which are also consistent with the requirements of the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework.
Cookies and Other Tracking Technologies
We use another company to place cookies on your computer to collect non-personally identifiable information to compile aggregated statistics for us about visitors to our Website.
We do not respond to web browser “do not track” signals at this time. We await the result of work by the policy community and industry to determine when such a response is appropriate and what form it should take.
Our Website pages contain electronic images known as “web beacons” (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our Website is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns.
We use a third party to gather information about how you and others use our Website. For example, we will know how many users access a specific page and which links they clicked on. We use this aggregated information to understand and optimize how our Website is used.
Links to Other Websites
Our Website includes links to other websites whose privacy practices may differ from those of Student Loan Genius. If you submit Personal Information to any of those other websites, your information is governed by the separate privacy statements of such other websites. We encourage you to carefully read the privacy statement of any website you visit.
Your Rights As A California Resident
California law permits residents of California to request certain details about how their information is shared with third parties for direct marketing purposes. We do not share your Personal Information with third parties for such third parties’ direct marketing purposes unless you provide us with consent to do so.
Children’s Online Privacy
SLG is not intended to be used by anyone under the age of 18 and, as such, SLG does not knowingly collect Personal Information from anyone under the age of 18. If you are under the age of 18, please do not submit any Personal Information to SLG or use our services. If a parent or guardian becomes aware that his or her child under the age of 18 has provided us with Personal Information without the parent or guardian’s consent, he or she should contact us at firstname.lastname@example.org and we will delete such information from our files.
Accessing and Updating Personal Information; SLG Contact Information
Student Loan Genius
1021 E. 7th Street, Suite 100
Austin, Texas 78702