Navient Online Consumer Information Privacy Policy
Your privacy is important to Navient ("we", "us", "our"). This Online Consumer Information Privacy Policy ("Privacy Policy") describes our privacy practices concerning information collected in connection with our general 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, you are agreeing to the terms of this Privacy Policy.
We also share customer information with affiliates and outside companies. Our Privacy Notice describes our principles and practices regarding how we share customer information with affiliates and outside companies.
If you are a resident of California, please see our California Privacy Policy for additional information and rights exclusive to California residents.
Information We Collect
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.
We and our affiliates or third-party service providers may also collect information that you provide through the "Contact Us" page. Such information may include your name or email address. Some links on that page will route you to third-party websites. The Privacy Policy for those websites will apply.
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. Cookies are small data files that are placed on your device for a variety of purposes, including to identify your device 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. We and our service providers may use web beacons and cookies to capture information such as the type of device, operating system, email program, and web browser used to view our Site, the IP address from which you view our Site, and whether you click on any advertisements or links. These technologies enable us to gauge the effectiveness, relevance, and value of advertisements and links on our Site.
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 information collected from our server logs, cookies and other technologies for a variety of purposes, including to develop, offer, deliver and improve our products, services, and Site, to offer products and services of our affiliates, marketing partners, and other companies, to fulfill legal and regulatory requirements, and as otherwise permitted by applicable law. For example, we may use the information to:
Operate and improve the Site;
Understand how visitors use our Site, and determine whether the content on our Site is effective;
Comply with legal or regulatory requirements; or
Let us know which online advertisements have been opened by recipients to understand the effectiveness of our marketing.
Our Disclosure Of Your Information
We may share your information with other parties for a variety of purposes, as described below.
Affiliates: We may disclose information to Navient affiliates for the purposes described in this Privacy Policy.
Service Providers and Business Partners: We may disclose information to our service providers and business partners, who use it to perform tasks on Navient’s behalf Among other things, service providers help us manage and improve the Site. 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 information with affiliates and outside companies as described in our Privacy Notice.
Legal Purposes: We also may use or share your 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; or
to establish, protect, or exercise our legal rights or defend against legal claims.
Aggregated or De-Identified Information: From time to time, we may share aggregated or de-identified information about users of the Site, such as sharing reports on the usage of the Site for regulatory or analytics reporting.
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 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.
The use of online tracking mechanisms by third parties is subject to those third parties’ own privacy policies. Although we do not use these mechanisms on our Site for targeted advertising, 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.
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 (including secure disposal methods) 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 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 except when required by statute or regulation to maintain for record keeping purposes.
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 email us at privacy_events@navient.com.
The effective date of this Online Consumer Information Privacy Policy is October 2024. It replaces all prior online information privacy policies posted on Navient.com. 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.