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Rev. 1/19/18

FACTS

WHAT DO NAVIENT, EARNEST, AND AFFILIATES DO WITH YOUR PERSONAL INFORMATION?

Why?

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.

What?

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
  • Account balances and payment history
  • Account transactions and credit history

How?

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 Navient chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Do Navient, Earnest,
and affiliates 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

Yes

No

For our affiliates' everyday business purposes –
information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We don't share

To limit
our sharing

Call toll free 1-800-428-1039 – our menu will prompt you through your choices

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we may continue to share your information as described in this notice.


However, you can contact us at any time to limit our sharing.

Questions?

Call toll free 1-800-428-1039




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Who we are

Who is providing this notice?

The Navient family of companies, the Earnest family of companies, and the RKL family of companies. Please see the bottom of this notice for further description of the companies providing this notice.

What we do

How do Navient, Earnest, and affiliates 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 do Navient, Earnest, and affiliates collect my personal information?

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

  • give us your contact information
  • open an account or provide account information
  • pay us by check or provide employment information

We also collect your personal 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 to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

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

  • Our affiliates include the Navient family of companies, the Earnest family of companies, and the RKL family of companies.

Nonaffiliates

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

  • Nonaffiliates we share with can include service providers such as data processors and companies that help us market our own products and third party products that we believe may be of interest to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include financial institutions such as companies that provide credit products and insurance companies.

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Other important information

VT Residents: For accounts with a Vermont mailing address, we will not share your creditworthiness information with our affiliates except as required or permitted by law. For joint marketing with other financial companies, we will only disclose your name, contact information and information about your transactions unless otherwise required or permitted by law.


CA Residents: For accounts with a California mailing address, we will not share your personal information with a financial company for joint marketing purposes except as required or permitted by law.


NV Residents: We are providing you this notice pursuant to state law. Current customers residing in Nevada may be placed on our internal telemarketing Do Not Call List by contacting us at 1-800-428-1039, NVOptOut@navient.com, or Navient, P.O. Box 9500, Wilkes-Barre, PA 18773-9500. Please include your name, account number, and phone number(s). For further information on Nevada law, contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-3132; BCPINFO@ag.state.nv.us.


Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded.

The affiliated companies issuing this notice include but are not limited to Navient Corporation, Navient Solutions, LLC, Navient Credit Finance Corporation, Earnest LLC, Earnest Operations LLC, Earnest Home LLC, RKL Financial Corporation, and numerous trusts and other special purpose entities having the Navient, Earnest, SLC, SLM, and Collegiate Funding Services names. These companies may own, service, and/or hold the servicing rights in your account.