Side-by-side diff

Sallie Mae Bank — Sallie Mae Privacy Policy

Old 2026-09-26 02:05 UTC

Full text

New 2026-10-01 08:19 UTC

Full text

	Snapshot 2026-09-26 02:05 UTC			Snapshot 2026-10-01 08:19 UTC
n	1	Start of 1 Columns Sallie Mae Privacy Policy EFFECTIVE AS OF May 9, 2023 1. **DE	n	1	# Sallie Privacy Policy
	>	SCRIPTION.** At Sallie Mae, we care about the privacy and security of your infor
	>	mation. This privacy policy (“Privacy Policy” or “Policy”) is provided by Sallie
	>	Mae Bank and its subsidiaries (“Sallie Mae”, “we”, “our”, or “us”) and sets for
	>	th the policies for the collection, usage, storage, sharing and protection of Pe
	>	rsonal Information including Sensitive Personal Information, as defined in the t
	>	able below, through our websites and mobile applications (collectively, our “Sit
	>	es”). This Privacy Policy applies to any individuals (“you” or “your”) accessin
	>	g and using the Sites. The choices you may have in the use and sharing of your
	>	Personal Information and Sensitive Personal Information are also governed by the
	>	Sallie Mae Privacy Notice (“Privacy Notice”). If you have applied for or obtai
	>	ned a Sallie Mae product or service (collectively “Services”), please refer to t
	>	he Privacy Notice regarding our privacy practices and your privacy rights as it
	>	relates to those Services.
	2			2
n	3	2. WHAT PERSONAL INFORMATION DO WE COLLECT?	n	3	Last Updated: September 30, 2026
	4			4
n	5	The types of Personal Information we collect depends on your relationship with u	n	5	1. INTRODUCTION This Privacy Policy (“ Privacy Policy ”) describes how t
	>	s. Examples for each relationship type are provided below. We have also provide		>	he operating subsidiaries of SLM Corporation, including SLM Education Services,
	>	d a table detailing the categories of Personal Information collected and for wha		>	LLC and Sallie Mae Bank (collectively, “ we ,” “ us ,” or “ Sallie ”
	>	t purposes.		>	), collect, use, store, disclose, and otherwise process your personal informatio
				>	n through our websites, platforms, mobile applications, and other online and off
				>	line services we own or control that link to, reference, or post this Privacy Po
				>	licy (collectively, the “ Services ”). In this Privacy Policy, the term “ **
				>	personal information** ” refers to information that identifies, relates to, desc
				>	ribes, is capable of being associated with, or could reasonably be linked, direc
				>	tly or indirectly, with a particular individual or household.
	6			6
n	7	A. Account Servicing - If you are an account holder with Sallie Mae (“Custo	n	7	Residents of certain states may have rights under applicable privacy laws in suc
	>	mer”) or if you are applying for Services (“Applicant”).		>	h states. Please see our State Privacy Notice for more information.
	8			8
n	9	- The Personal Information we may collect includes Customer and Applicant accoun	n	9	This Privacy Policy does not apply to our collection and processing of perso
	>	t servicing information used to: register, login or use our Sites, complete a fo		>	nal information related to consumer financial products and services, including p
	>	rm, verify identity, apply for Services, apply for a job, confirm work or educat		>	rivate student loans, deposit accounts, and applications for such products and s
	>	ion status, determine eligibility for Services, respond to a survey, to provide		>	ervices. For information regarding our collection and processing of such persona
	>	account Services and or communicate with us, including via our call center, mobi		>	l information, please see the Sallie Consumer Privacy Notice .
	>	le applications, or live chat.
	10			10
n	11	B. Visitor – Anyone visiting our Sites.	n	11	This Privacy Policy also does not apply to any third-party websites, service
				>	s, products, or mobile applications linked to from our Services, or to personal
				>	information relating to our job applicants, current employees, former employees,
				>	or independent contractors. For California residents in those roles, such infor
				>	mation is governed by the California Employee Privacy Notice.
	12			12
n	13	- The Personal Information we may collect includes your contact information used	n	13	2. SOURCES OF PERSONAL INFORMATION The personal information that we collect
	>	to respond to your requests for information.		>	varies depending upon your use of our Services and our interactions with you. In
				>	certain circumstances ( _e.g._ , to enter a sweepstakes or submit an inquiry),
				>	you must provide us with certain personal information, and if you don’t, we may
				>	not be able to provide you with the requested product, service, or information.
				>	We may also combine information collected from one source with information colle
				>	cted in other contexts and use such combined information in accordance with this
				>	Privacy Policy and any other privacy policies that may apply.
	14			14
n	15	C. Education Services – If you are a consumer who registers to use our Scho	n	15	We, and others on our behalf, may collect personal information from the followin
	>	larship Services, College Planning Calculator and College Planning tools.		>	g sources:
	16			16
n	17	- The Personal Information we may collect includes career, education, and other	n	17	Sources
	>	categories of Personal Information received directly from you or from our Author
	>	ized Third Parties (as further defined below) with whom we partner to pr
	>	ovide co-branded and other Services, such as Scholarship Search or sweepstakes.
	18			18
n	19	We may collect Personal Information about you from third parties with whom we ha	n	19	Examples
	>	ve a contractual relationship and a lawful basis for collecting this Personal In
	>	formation, specifically credit bureaus, referral partners, business partners, af
	>	filiates, service providers and financial institutions (each an “Authorized Thir
	>	d Party” and collectively “Authorized Third Parties”).
	20			20
n	21	Personal Information	n	21	Directly from you
	22			22
n	23	Sensitive Personal Information	n	23	We collect information directly from you, including when you interact with our c
				>	ollege planning, financial aid, and scholarship tools or calculators, enter a co
				>	ntest, sweepstakes or promotion, interact with or respond to our marketing, regi
				>	ster for an account, upload files or content, provide comments, reviews, or feed
				>	back, or otherwise interact with us through our call center or on our Services (
				>	including through online chat). You may also provide us with personal informatio
				>	n in your capacity as a donor to the scholarships that we administer.
	24			24
n	25	Account Servicing	n	25	Indirectly from you
	26			26
n	27	Education Services	n	27	We collect information indirectly from you, including through your activity with
				>	our Services and your interactions with online advertisements, emails, and text
				>	s. We obtain this information via the use of Tracking Technologies (as defined a
				>	nd described further in the “Tracking Technologies and Targeted Advertising” sec
				>	tion below) and other third-party tools.
	28			28
n	29	Visitor	n	29	Business partners and customers
	30			30
n	31	First and last name	n	31	We collect or receive information from current, former and prospective business
				>	partners, investors, corporate donors to scholarships that we administer, busine
				>	ss customers and others with whom we have a business relationship. Generally, th
				>	is information may include information about representatives of those companies,
				>	such as name, company information, contact details, and communications records.
	32			32
n	33	Address - Email	n	33	Service Providers
	34			34
n	35	Address - Home mail	n	35	We may engage service providers and work with other partners to provide services
				>	to us or to users on our behalf (such as payment processors, cloud hosting, and
				>	our online “chat” function). These service providers may use automated systems
				>	that employ artificial intelligence, machine learning or similar technologies to
				>	record and process your personal information. For example, we record customer s
				>	ervice calls and maintain a transcript of chats (including chats with our chatbo
				>	ts) for quality assurance and training. In addition, we may receive personal inf
				>	ormation from service providers who we work with to deliver, improve, and measur
				>	e our marketing campaigns. Additional service providers can be software provider
				>	s, third-party technology companies that offer digital advertising or other mark
				>	eting services, communication services, fraud-prevention or security services, a
				>	nd data analytics, amongst others.
	36			36
n	37	Address - Work	n	37	Third parties that you directed to disclose personal information to us
	38			38
n	39	Telephone number - Home	n	39	You may direct third parties, including advertisers, educational institutions, p
				>	ayment processors, financial institutions, retailers, and others, to provide us
				>	with your personal information.
	40			40
n	41	Telephone number - Cell	n	41	Third-party information and marketing partners
	42			42
n	43	Telephone number - Work	n	43	We may receive personal information from partners and data providers from whom w
				>	e obtain information for marketing purposes, and other companies that provide us
				>	with contact information or data append solutions. We also receive information
				>	from marketing partners, including ad networks, media agencies, providers of Tra
				>	cking Technologies, and advertisers that show ads or content through our adverti
				>	sing services, as they may provide us with data to personalize, measure, and tar
				>	get ads through our advertising services.
	44			44
n	45	Social Security Number	n	45	Government or public sources
	46			46
n	47	Driver’s license, passport, or other government issued identification card	n	47	We collect personal information from government or publicly available data sourc
				>	es.
	48			48
n	49	Date of birth	n	49	Other third parties
	50			50
n	51	Account username	n	51	We receive information about you from individuals submitting information on your
				>	behalf and from other third parties, including those who distribute or promote
				>	the Services, your interactions with third parties’ content made available throu
				>	gh or in connection with our Services (such as advertisements, social media feat
				>	ures, plug-ins, or linked content), and third parties whose services are availab
				>	le through our Services. If you enter one of our sweepstakes, scholarships, or c
				>	ontests hosted on a third-party platform, we will also receive information about
				>	you from that third-party platform, including the information you provide to en
				>	ter.
	52			52
n	53	Password	n	53	3. WHAT PERSONAL INFORMATION DO WE COLLECT? The categories of personal infor
				>	mation we may collect are outlined below:
	54			54
n	55	Family and reference information	n	55	**Categories of Personal Information
	56			56
n	57	Credit score and credit report information	n	57	1. Identifiers and contact information** , including name, username, phone numb
				>	er, mailing address, billing address, email address, social security number, dri
				>	ver’s license number, passport number, or other similar identifiers, IP address,
				>	MAC address, cookie ID, GUID, device ID, third-party platform identifiers and o
				>	ther online or unique identifiers.
	58			58
n	59	Customer and Applicant account servicing information	n	59	2. Personal Records , including account and profile information, family and
				>	reference information, consumer report information, user records that contain pe
				>	rsonal information, such as name, signature, address, telephone number, educatio
				>	n, and financial information (such as bank account numbers, credit card numbers,
				>	and debit card numbers).
	60			60
n	61	Career information	n	61	3. Personal Characteristics or Traits , including age or date of birth, mari
				>	tal status, sex, or veteran or military status.
	62			62
n	63	Education information	n	63	4. Transaction/Commercial Information , including products or services used,
				>	purchased, or considered; products or services considered from third parties, i
				>	ncluding third-party partners and technology companies that offer digital advert
				>	ising services, and other purchasing or consuming histories or tendencies.
	64			64
n	65	Account login, financial account, debit or credit card number in combination wit	n	65	5. Internet or other Electronic Network Activity/Usage Data , including brow
	>	h any required security or access code		>	sing history, clickstream data, search history, access logs, information regardi
				>	ng your interactions with the Services and our marketing emails, newsletters, an
				>	d online ads, and other usage data related to your use of the Services, such as
				>	language and preferences, statistics, click paths, preferences and friends, as w
				>	ell as your comments, posts, and interactions in any forums and communities.
	66			66
n	67	Precise geolocation	n	67	6. Geolocation Data, including when we may infer your approximate location (
				>	such as zip code, phone number, IP Address or MAC Address) as part of the Servic
				>	es, and device location information for mobile users.
	68			68
n	69	Racial or ethnic origin, religious or philosophical beliefs, union membership	n	69	7. Audiovisual and Similar Information , including photographs, videos, and
				>	images ( _e.g._ , that you provide us, post to your profile or upload to our Ser
				>	vices for viewing by others), and call recordings ( _e.g._ , of video conference
				>	calls or customer support calls).
	70			70
n	71	The contents of your mail, email or text messages, unless the intended recipient	n	71	8. Professional or Employment Information , including your title, affiliated
	>	of such content is a business		>	organization, professional expertise and experience, or education-related infor
				>	mation.
	72			72
n	73	Genetic data	n	73	9. Non-public Education Records , including education transcripts you may up
				>	load yourself into your scholarship search account.
	74			74
n	75	Biometric data used to identify you	n	75	10. Inferences from Personal Information , including information we collect
				>	about you that we combine and use to derive other information and inferences abo
				>	ut you. This includes inferences drawn from other personal information that we c
				>	ollect or are provided to create a profile based on your account and activities,
				>	that reflect your preferences, characteristics, behavior, attitude, and abiliti
				>	es.
	76			76
n	77	Protected health information	n	77	11. Sensitive Information, some of the information we obtain may be consider
				>	ed “sensitive” under applicable laws, including government-issued identification
				>	numbers ( _e.g._ , Social Security numbers and driver’s license information), b
				>	ank account numbers and passwords, certain personal characteristics and traits,
				>	and biometric information.
	78			78
n	79	Information related to your sex life or sexual orientation	n	79	4. HOW DO WE USE YOUR PERSONAL INFORMATION? We may use your personal informa
				>	tion for any of the following purposes:
	80			80
n	81	Geolocation data	n	81	- Processing transactions and providing our products and services – to proce
				>	ss transactions and applications, administer scholarships for which you may have
				>	applied or donated funds, service accounts and provide you with information or
				>	services or to perform activities that you have requested or information you agr
				>	eed to receive.
				82	- Support, maintenance and product research and development – to provide, ma
				>	intain, and improve the Services (including building correlations for use in our
				>	advertising services) and to develop new products, services, features and funct
				>	ionalities. We may use your personal information to better understand how users
				>	access and use our Services in order to improve our products and services, respo
				>	nd to user desires and preferences, and for other research and analytical purpos
				>	es. We also use your information to measure performance and analyze key metrics
				>	relevant to our business and Services, and to administer surveys and questionnai
				>	res, including for market research.
				83	- Customizing your experience, offers, and content – to enhance your experie
				>	nce using our Services and the products and services we offer, you may be delive
				>	red curated content and recommendations within our Services based on your intere
				>	sts and interactions with our Services, including information about our own prod
				>	ucts, our affiliates’ products, or those of our third-party partners or business
				>	customers such as scholarship providers, financial services providers, and othe
				>	r companies.
				84	- Registering and administering accounts – to process your registration with
				>	our Services, verify your information is active and valid, and manage your acco
				>	unt.
				85	- Customer service and communications – to respond to questions, comments, o
				>	r requests that you have for us or for other customer service purposes, to conta
				>	ct you with regard to your use of the Services and, in our discretion, changes t
				>	o the Services and/or Services’ policies, and to verify eligibility for certain
				>	services offered by us, our affiliates, our third-party partners, or our busines
				>	s customers. We use your information to communicate with you, including communic
				>	ations via telephone calls, text messages, push notifications and email. We may
				>	also use automated systems using artificial intelligence, machine learning or si
				>	milar technologies to review and respond to customer questions and inquiries, in
				>	cluding chat and search functions on our Services.
				86	- Advertising services, measurement and administration – to show you ads (in
				>	cluding targeted or personalized ads on behalf of us, our affiliates, and other
				>	third parties) and to measure and understand the effectiveness of our advertisin
				>	g. We may also use artificial intelligence technologies to analyze the informati
				>	on you provide or that we collect about you from multiple sources and to infer o
				>	r generate information about your interests, characteristics, and preferences. W
				>	e also use information to help us, our affiliates, third-party partners, busines
				>	s customers, and advertising partners to create segments, reach the desired audi
				>	ence and understand, measure, and improve their ad campaigns. We use your inform
				>	ation to reach you with more relevant ads and to evaluate, measure, and improve
				>	the effectiveness of our ad campaigns.
				87	- Marketing and promotions – for marketing purposes, including to send you a
				>	lerts, notifications, emails, newsletters, and text messages, about products, ev
				>	ents, promotions, contests, and offers from us or our third-party partners or bu
				>	siness customers, and to measure and understand the effectiveness of our marketi
				>	ng efforts.
				88	- Legal Compliance – for complying with applicable laws, lawful requests, an
				>	d legal process, such as to respond to subpoenas or requests from government aut
				>	horities; for auditing our internal processes for compliance with legal and cont
				>	ractual requirements or our internal policies; and for enforcing our policies an
				>	d terms, including our Terms of Use and this Privacy Policy, and other legitimat
				>	e purposes.
				89	- Safety, security and fraud detection and prevention – for protecting our,
				>	your or others’ rights, privacy, safety, or property (including by making and de
				>	fending legal claims); and for preventing, identifying, investigating, and deter
				>	ring fraudulent, harmful, unauthorized, unethical, or illegal activity, includin
				>	g cyberattacks, and identity theft.
				90	- Disclosed and additional compatible purposes – for purposes disclosed at t
				>	he time you provide your personal information and other purposes that are compat
				>	ible with the purpose of collecting your personal information and that are not p
				>	rohibited by law, including for our legitimate business interests, such as in pr
				>	otecting, maintaining, and improving the Services, and developing new features a
				>	nd services.
				91	- Business transactions – for purposes related to any actual or contemplated
				>	merger, acquisition, sale of some or all of our assets, financing, bankruptcy,
				>	or restructuring of all or part of our business.
				92	- Fulfilling any other purpose for which you give your consent.
	82			93
n	83	Cookies	n	94	We may also de-identify or aggregate personal information. Where we process de-i
				>	dentified information, we maintain and use it in de-identified form and do not a
				>	ttempt to reidentify the information, except in accordance with applicable priva
				>	cy laws. Once personal information is de-identified, it is no longer subject to
				>	this Privacy Policy.
	84			95
n	85	3. How Do We Use Your Personal Information?	n	96	5. TO WHOM DO WE DISCLOSE YOUR PERSONAL INFORMATION? We may disclose the per
				>	sonal information listed above to the following types of third parties:
	86			97
n	87	We use the Personal Information we collect from you for the following business p	n	98	- Our affiliates, for the purposes described above, including for marketing
	>	urposes (“Business Purposes”):		>	purposes.
				99	- Our service providers, for various purposes, including helping us provide
				>	our products, services and customer support to you, such as support for the inte
				>	rnal operations of our Services (_e.g._, operations and technical support proces
				>	sing), communicating with you, and collecting information through Tracking Techn
				>	ologies, as well as related offline product support services, data storage, and
				>	other services.
				100	- Joint marketing partners, including financial institutions with whom we ha
				>	ve joint marketing agreements and service providers that perform marketing servi
				>	ces on our behalf, and on behalf of us and other financial institutions.
				101	- Third-party partners and business customers, including those with which we
				>	partner or provide services to provide contests, scholarships, or co-branded se
				>	rvices, or that want to market to you or otherwise provide you with special offe
				>	rs or materials regarding products or services that may be of interest to you.
				102	- Third-party platforms, sites, and services, including third-party ad netwo
				>	rks, advertisers, analytics providers, social networks, Internet service provide
				>	rs, channel partners, measurement services, data aggregators or suppliers, and o
				>	thers, to help us personalize, display, and measure advertising within our Servi
				>	ces and on third-party services, as described further in “Tracking Technologies
				>	and Targeted Advertising” below. We and these third-party companies may use Trac
				>	king Technologies to collect information within our Services and on third-party
				>	sites and services. These parties may act as our service providers, or in certai
				>	n contexts, may independently decide how to process your personal information.
				103	- **Universities, colleges, professional schools, certificate and licensing prog
				>	rams**, and other education providers, for the purposes described in Section 4 a
				>	bove.
				104	- Government agencies, to the extent reasonably necessary to fulfill legal a
				>	nd regulatory requirements or requests, or to comply with applicable laws, or in
				>	vestigations.
				105	- Other third parties, if we reasonably believe that such disclosure is reas
				>	onably necessary to (a) comply with legal requirements, including reasonable req
				>	uests of law enforcement, (b) to enforce our Terms of Use, defend claims, or to
				>	protect the security or integrity of our Services, servers, databases, and other
				>	technology assets, and business, or (c) to exercise or protect the rights, prop
				>	erty, or personal safety of us, our customers, visitors, or others.
				106	- The public, for example, when we post the names of scholarship or sweepsta
				>	kes winners on our Services.
				107	- **Third parties in relation to a proposed or completed transfer, sale or merge
				>	r of all or part of us or our affiliates**, whether through a sale, acquisition,
				>	merger, consolidation, reorganization, bankruptcy, or other corporate change in
				>	volving us or our affiliates.
	88			108
n	89	- to process your transactions in the provision of Services including but not li	n	109	**6. TRACKING TECHNOLOGIES AND TARGETED ADVERTISING
	>	mited to servicing Customer accounts;
	90	- to provide Services in accordance with your request to communicate with you, i
	>	ncluding via email, chat, text message, push notifications, and/or telephone cal
	>	ls;
	91	- to gather analytics to better understand how you use our Sites and to determin
	>	e whether the content on our Sites is effective;
	92	- to authenticate your identity;
	93	- to develop and improve our Services;
	94	- to fulfill legal and regulatory requirements; and
	95	- to prevent fraud.
	96			110
n	97	You may not opt out of our collection of Personal Information for Business Purpo	n	111	Tracking Technologies** We collect certain device and usage information through
	>	ses.		>	a variety of tracking technologies, including cookies, web beacons/pixel tags,
				>	server logs, file information, SDKs, session replay technology, our interactive
				>	chat functionality, and other similar tools and technologies (collectively, “ **
				>	Tracking Technologies** ”), and we may use third parties, including social media
				>	platforms, analytics companies, data brokers, third-party advertisers, and othe
				>	r technology companies that offer digital advertising services, to collect infor
				>	mation using Tracking Technologies, both on our Services and third-party online
				>	services. By using the Services, you agree to the collection of this information
				>	via these technologies.
	98			112
n	99	We also use the Personal Information we collect for marketing and communications	n	113	Information collected using Tracking Technologies includes information described
	>	purposes (“Marketing Communications”) including:		>	in the “What Personal Information Do We Collect” section above, including infor
				>	mation collected from your device (such as device IDs, advertising IDs or other
				>	unique identifiers), network devices (such as IP address or router information),
				>	device and software characteristics, and other information collected. We may di
				>	sclose, or we may permit third parties to collect, personal information about yo
				>	ur use of our Services over time, to provide and enhance the performance of the
				>	Services, facilitate user experience, monitor and analyze trends, conduct intern
				>	al research and development, and for debugging, fraud prevention, and session ma
				>	nagement. We and these third parties may also use information collected through
				>	Tracking Technologies for personalization, analytics, and targeted advertising o
				>	n or through the Services and third-party websites, apps, and platforms. We or t
				>	hird parties may also collect and use such information to analyze and evaluate t
				>	he success of our advertising efforts.
	100			114
n	101	- to personalize your experience when you use the Services and to provide custom	n	115	Depending on your browser or mobile device, you may be able to control the way i
	>	, personalized content and communications, including targeted content and advert		>	n which your browser or device permits the use of Tracking Technologies. For exa
	>	ising through our Sites, on sites hosted by our Authorized Third Parties, or on		>	mple, if you choose, you may block or delete cookies from your browser or take s
	>	other devices you may use;		>	teps to limit cross-site tracking. We use Tracking Technologies offered by third
				>	-party companies such as Google, Adobe, and Microsoft. For Google Analytics, ple
				>	ase visit https://tools.google.com/dlpage/gaoptout/ to learn more about the opt
				>	out choices offered by Google. As to Adobe Advertising, please visit https://www
				>	.adobe.com/privacy/opt-out.html to learn more about the opt-out choices offered
				>	by Adobe. As to Microsoft Advertising Services, you may learn more about how Mic
				>	rosoft processes your personal information and Microsoft’s company-specific opt-
				>	outs by reviewing Microsoft’s privacy statement available at https://www.microso
				>	ft.com/en-us/privacy/privacystatement . Please keep in mind, however, that if yo
				>	u delete or block cookies, our Services may not function as intended.
	102	- to personalize your experience by sending you emails and other communications
	>	related to our Services.
	103			116
n	104	You may opt out of email Marketing Communications by clicking on the unsubscribe	n	117	If you would like to learn more about the use of information for targeted advert
	>	link provided in such Marketing Communications. You may opt out of all Marketi		>	ising, and to opt out of targeted advertising from companies that participate in
	>	ng Communications by contacting customer service at 855-582-1928 .		>	industry opt-out programs, please use the links set out directly below. Even if
				>	you opt out, you still may receive advertising from us that is not customized o
				>	r advertising from other third parties if they are not a participating company.
	105			118
n	106	You may opt-out of the use and disclosure of Sensitive Personal Information when	n	119	- Network Advertising Initiative: http://www.networkadvertising.org/managing/opt
	>	it is collected for the purpose of inferring characteristics or if it will be u		>	_out.asp
	>	sed or disclosed beyond what is necessary to provide the requested Services. Sal
	>	lie Mae is not using your Sensitive Personal Information to infer characteristic
	>	s or for any purpose other than the purpose of providing the Services.
				120	- Digital Advertising Alliance: https://optout.aboutads.info/?c=2&lang=EN
				121	- AppChoices: https://www.youradchoices.com/appchoices
	107			122
n	108	4. HOW DO WE DISCLOSE YOUR PERSONAL INFORMATION?	n	123	Depending on where you live, you may have rights relating to Tracking Technologi
				>	es and targeted advertising, described further in our State Privacy Notice .
	109			124
n	110	We may disclose your Personal Information for the following purposes:	n	125	Session Replay Technology We use third-party session recording and replay te
				>	chnology to observe mouse movements, scrolling, and clicks on our Services. This
				>	involves the use of third-party cookies and other Tracking Technologies. We use
				>	these Tracking Technologies for support and analytics purposes, and to better u
				>	nderstand how people engage with our Services ( _e.g._ , pageviews, clicks, inpu
				>	ts, tap and mouse clicks, scrolls and swipes, long loading spinners, session tim
				>	e, rage clicks, frequent refreshes, site errors, JS errors, etc.). This also ena
				>	bles us to build and maintain the Services with user feedback. This information
				>	is often collected and processed by our service providers whom we have engaged t
				>	o analyze this information on our behalf.
	111			126
n	112	- to fulfill your request or for the purpose explained when you provided the Per	n	127	7. LINKS TO THIRD-PARTY WEBSITES AND SERVICES Our Services may permit you to
	>	sonal Information; for example, if you share your name and contact information t		>	access third-party websites directly that we do not own or control. It is impor
	>	o ask a question about our Services, we will use that Personal Information to re		>	tant to remember that if you link to a third-party website from our Services, th
	>	spond to your inquiry, if you provide your Personal Information to apply for Sal		>	at third-party’s privacy policy and its terms and conditions of use apply to you
	>	lie Mae Services or apply for a job with Sallie Mae, we will use that Personal I		>	. We encourage you to learn about each third-party’s privacy policy before shari
	>	nformation to facilitate the application and contact you regarding the outcome;		>	ng your personal information with them. We are not responsible for the privacy p
				>	ractices or the content of the sites to which we link, including their collectio
				>	n and use of your information by these third-party sites.
	113	- with your consent we may share your Personal Information with Authorized Third
	>	Parties with whom we partner to provide contests, scholarships, or co-branded S
	>	ervices;
	114	- to fulfill legal and regulatory requirements or comply with federal, state or
	>	local laws; civil, criminal or regulatory investigations, or disclose Personal I
	>	nformation to third parties if we reasonably believe that such action is necessa
	>	ry to (a) comply with the law and the reasonable requests of law enforcement; (b
	>	) to enforce our Terms of Use or to protect the security or integrity of our Ser
	>	vices; and/or (c) to exercise or protect the rights, property, or personal safet
	>	y of Sallie Mae, our Customers, Visitors, or others;
	115	- to operate, maintain, and provide the features and functionality of the Sallie
	>	Mae Sites and Services;
	116	- to help maintain the safety, security, and integrity of our Sites, Services, d
	>	atabases and other technology assets, and business; to diagnose or fix technolog
	>	y problems, and otherwise plan for and enhance our Services;
	117	- to share information for marketing purposes with our affiliates or other compa
	>	nies owned or controlled by Sallie Mae and where we are legally permitted to do
	>	so; and
	118	- in the event of a transfer, sale or merger of all or part of Sallie Mae or its
	>	affiliates whether through a sale, acquisition, merger, consolidation, reorgani
	>	zation, bankruptcy, or other corporate change involving us and/or our affiliates
	>	.
	119			128
n	120	5. ONLINE TRACKING AND ADVERTISING	n	129	In addition, our Services may include or incorporate social media and other thir
				>	d-party features ( _e.g._ , widgets, buttons, and plugins), which are operated b
				>	y third parties, such as educational institutions, Facebook, Reddit, Twitch, X,
				>	Instagram, SnapChat, YouTube, and others. These features are hosted by the respe
				>	ctive third-party operator even though they appear on our Services, and the thir
				>	d-party may collect certain information about you (such as your IP address, URL,
				>	date and time stamp, browser details, and the like) via Tracking Technologies,
				>	subject to their own privacy policies.
	121			130
n	122	We collect certain usage information through a variety of tracking technologies,	n	131	If you provide your personal information on a co-branded page, your personal inf
	>	including cookies, Flash objects, web beacons, file information and similar tec		>	ormation may be shared with the third-party partner. Please review the third-par
	>	hnology (collectively, “Cookies”), and we may use third-party partners, with who		>	ty partner’s privacy policy and terms of use prior to providing any personal inf
	>	m we have contracted (“TPPs”), to collect Cookies. Information collected using		>	ormation. If you have any questions regarding the privacy policies of our third-
	>	Cookies includes Personal Information. For example, we may collect the following		>	party partners or business customers, please contact the third party directly us
	>	Personal Information using Cookies:		>	ing the channels provided by the third party.
	123			132
n	124	- your device and its software,	n	133	Some of our products and services may use Google Maps features and content to va
				>	lidate your address. The use of Google Maps features and content is subject to (
				>	1) Google Maps/Google Earth Additional Terms of Service at https://maps.google.c
				>	om/help/terms_maps/ ; and (2) Google Privacy Policy at https://policies.google.c
				>	om/privacy . Google may collect and receive data, including but not limited to s
				>	earch terms, IP addresses, and latitude/longitude coordinates in accordance with
				>	their Privacy Policy at https://policies.google.com/privacy .
	125	- your IP address,
	126	- your browser type,
	127	- your browsing history,
	128	- your Internet service provider, platform type,
	129	- a unique ID that allows us to uniquely identify your browser, mobile device, a
	>	nd your account depending on your device settings, or
	130	- your geographical location data.
	131			134
n	132	We do not collect Sensitive Personal Information using Cookies.	n	135	8. CHILDREN’S PRIVACY Children under the age of 13 are not permitted to use
				>	the Services, and we do not seek or knowingly collect any personal information a
				>	bout children under 13 years of age. If we become aware that we have unknowingly
				>	collected information about a child under 13 years of age, we will make commerc
				>	ially reasonable efforts to delete such information. If you are the parent or gu
				>	ardian of a child under 13 years of age who has provided us with their personal
				>	information, you may contact us using the below information to request that it b
				>	e deleted.
	133			136
n	134	Although we do our best to honor your privacy preferences, we are unable to resp	n	137	9. PROTECTION OF INFORMATION We take a variety of physical, technical, admin
	>	ond to Do Not Track signals set by your browser at this time. If you would pref		>	istrative, and organizational security measures to protect your personal informa
	>	er not to accept Cookies, most browsers will allow you to: (i) change your brows		>	tion against accidental or unlawful destruction or accidental loss, alteration,
	>	er settings to notify you when you receive a Cookie, which lets you choose wheth		>	unauthorized disclosure, or access. Despite our reasonable efforts to protect yo
	>	er or not to accept it; (ii) disable existing Cookies; or (iii) set your browser		>	ur information, no security measures are impenetrable, and we cannot guarantee “
	>	to automatically reject Cookies. Please note that doing so may negatively impa		>	perfect security.” Any information you send to us electronically, while using ou
	>	ct your experience using the Sites as some features and services on our Sites ma		>	r Services or otherwise interacting with us, may not be secure while in transit.
	>	y not work properly and the offers we provide when you visit or use our Sites ma		>	We recommend that you do not use unsecure channels to send us sensitive or conf
	>	y not be as relevant to you or tailored to your interests. Depending on your mob		>	idential information.
	>	ile device and operating system, you may not be able to delete or block all Cook
	>	ies.
	135			138
n	136	We and our TPPs may also use Cookies for advertising purposes.	n	139	10. INTERNATIONAL TRANSFERS OF PERSONAL INFORMATION Your personal informatio
				>	n may be stored and processed in the United States or any other country in which
				>	we or service providers maintain facilities. While our Services are only intend
				>	ed for users in the United States, if you are located outside the United States
				>	( _e.g._ , in the European Union), those countries have data protection laws tha
				>	t may differ from data protection laws in the United States. Please note that we
				>	or third parties on our behalf may transfer personal information to a country t
				>	hat does not have the same data protection laws as your jurisdiction.
	137			140
n	138	We may share, or we may permit TPPs to collect Personal Information about your u	n	141	11. RETENTION OF PERSONAL INFORMATION We may retain information as required
	>	se of our Sites over time so that they may display ads that may be relevant to y		>	or permitted by applicable laws and regulations, including to honor your choices
	>	our interests on our Sites as well as on other websites or apps, or on other dev		>	, for our billing or records purposes and to fulfill the purposes described in t
	>	ices you may use. We or the TPPs use this information to make the advertisement		>	his Privacy Policy. We may retain information for our legitimate interests and e
	>	s you see online more relevant to your interests. As noted above, depending on y		>	ssential business purposes, such as operating, maintaining, securing, and improv
	>	our browser or mobile device, you may be able set your browser to delete or noti		>	ing our Services; complying with our legal obligations; and exercising our legal
	>	fy you of Cookies by actively managing the settings on your browser or mobile de		>	rights and remedies, including enforcing our Terms of Use . Our retention of in
	>	vice. You may also be able to limit interest-based advertising through the setti		>	formation is based on many factors, such as your relationship with us, the natur
	>	ngs on your browser or device. For example, you may be able to opt-out of some		>	e of the information, compliance with our legal obligations, defending or resolv
	>	interest-based advertising on your mobile device by selecting “limit ad tracking		>	ing actual or anticipated legal claims, and applicable statute of limitations an
	>	” (iOS) or “opt-out of interest-based ads” (Android).		>	d records retention requirements.
	139			142
n	140	You have choices about how Cookies are used during your visits to our Sites. You	n	143	12. UPDATES This Privacy Policy is current as of the Last Updated Date set f
	>	may be presented with a Cookies banner where you can opt in to or out of certai		>	orth above. We may modify this Privacy Policy from time to time, in which case w
	>	n Cookies categories. You may not opt out of strictly necessary Cookies which en		>	e will update the “Last Updated” date at the top of this Privacy Policy. If we m
	>	sure our Sites work properly. If you do not make any selections by either clicki		>	ake material changes to the way in which we use or disclose information we colle
	>	ng the “x” to close the banner or by navigating away from the initial web page,		>	ct, we will use reasonable efforts to notify you (such as by emailing you at the
	>	your choices will be captured as opted out of all Cookies except strictly necess		>	last email address you provided us, by posting notice of such changes on our Se
	>	ary Cookies. You can change your choices at any time within our Sites. If you de		>	rvices, or by other means consistent with applicable law) and will take addition
	>	lete Cookies and then access our Sites from a different device or change web bro		>	al steps as required by applicable law. If you do not agree to any updates to th
	>	wsers, you may be prompted to make your selections again.		>	is Privacy Policy, please do not continue using or accessing the Services.
	141			144
n	142	To opt out of Cookies tracking please use the Cookie Preferences button on salli	n	145	13. CONTACT US If you have any questions or comments about this Privacy Poli
	>	emae.com.		>	cy or our privacy practices generally, you are welcome to contact us at:
	143			146
n	144	A. Your choices and control over your personal information	n
	145
	146	If you are a resident of California, Colorado, Connecticut, Utah, or Virginia pl
	>	ease click here to learn about your consumer privacy rights.
	147
	148	If you would like to exercise your privacy rights, you do not need to create an
	>	account. We will only use Personal Information provided in a request to review a
	>	nd comply with the request.
	149
	150	To opt out of the potential sale or sharing of your Personal Information or to l
	>	imit the use and disclosure of your Sensitive Personal Information, visit the op
	>	t-out page by following the Link below. Personal Information will not be sold or
	>	shared for nonaffiliates to market to you.
	151
	152	“DO NOT SELL OR SHARE MY PERSONAL INFORMATION” or “LIMIT THE USE AND DISCLOSURE
	>	OF MY SENSITIVE PERSONAL INFORMATION”
	153
	154	B. If you are a Sallie Mae Customer
	155
	156	You may update your Customer profile and other Personal Information by logging i
	>	n and accessing your Customer account. You may opt out of any Marketing Communic
	>	ations by clicking on the unsubscribe link provided in such Marketing Communicat
	>	ions. We make every effort to promptly process all unsubscribe requests. You may
	>	not opt out of Services-related communications (e.g., account verification, tra
	>	nsactional communications, changes/updates to features of the Sites or Services,
	>	technical and security notices).
	157
	158	You may contact us using the Contact Us information posted on this Privacy Polic
	>	y.
	159
	160	C. If you are a Visitor
	161
	162	You may elect to stop receiving Marketing Communications from us by clicking on
	>	the unsubscribe link provided in such communications. We make every effort to pr
	>	omptly process all unsubscribe requests.
	163
	164	You may contact us using the Contact Us information posted on this Privacy Polic
	>	y.
	165
	166	D. Links to Authorized Third Parties websites and services.
	167
	168	From time to time, you may access our Sites through the website of one of our Au
	>	thorized Third Parties. We will try to show clearly whether a page is co-branded
	>	by placing the Authorized Third Parties’ name or logo in a prominent place. If
	>	you provide your Personal Information on a co-branded page, your Personal Inform
	>	ation may be shared with the Authorized Third Party. Please review the Authoriz
	>	ed Third Parties’ privacy policy and terms of use. If you have any questions re
	>	garding the privacy policies of our Authorized Third Parties, please contact the
	>	Authorized Third Parties directly using the channels provided by the Authorized
	>	Third Parties.
	169
	170	Some of our Sites also permit you to access non-Sallie Mae websites directly fro
	>	m our Sites. It is important to remember that if you link to a non-Sallie Mae we
	>	bsite from any of our Sites, that third-party's privacy policy and its terms and
	>	of use apply to you. We encourage you to learn about each third-party's privac
	>	y policy before sharing your Personal Information with them.
	171
	172	## 6. HOW WE STORE AND PROTECT YOUR PERSONAL INFORMATION
	173
	174	A. Data storage and transfer. Your Personal Information collected through o
	>	ur Sites may be stored and processed in the United States or any other country i
	>	n which we or our subsidiaries or service providers maintain facilities. While
	>	Sallie Mae does not directly market to residents outside of the United States, y
	>	ou should be aware that if you are located in the European Union or other region
	>	s; those regions have laws and regulations governing data protection, security,
	>	collection and use (“Data Protection Laws”) that may differ from Data Protection
	>	Laws in the United States. Please note that we may transfer Personal Informatio
	>	n to a country and jurisdiction that does not have the same Data Protection Laws
	>	as your jurisdiction, and you consent to the transfer of your Personal Informat
	>	ion to the United States or any other country in which we or our service provide
	>	rs maintain facilities. Any transfer of Personal Information outside of the Uni
	>	ted States will be done in accordance with the security requirements outlined un
	>	der Data Protection Laws.
	175
	176	B. Keeping your Personal Information safe. We care about the security of yo
	>	ur Personal Information. We use industry standard physical, administrative, and
	>	technological safeguards to preserve the integrity and security of Personal Info
	>	rmation collected through our Sites. However, no security system is impenetrabl
	>	e, and we cannot guarantee the security of our systems 100%. In the event that
	>	any Personal Information under our control is compromised as a result of a confi
	>	rmed breach of security, we will take appropriate steps to investigate the situa
	>	tion and, notify you if your Personal Information may have been compromised in a
	>	ccordance with any applicable Data Protection Laws.
	177
	178	## 7. CHILDREN’S PRIVACY
	179
	180	Sallie Mae does not knowingly collect or solicit any Personal Information from a
	>	nyone under the age of 13. If we learn that we have inadvertently collected Per
	>	sonal Information from a child under age 13, we will delete that Personal Inform
	>	ation promptly. If you believe that we might have any Personal Information from
	>	a child under 13, please contact us using the Contact Us information listed bel
	>	ow.
	181
	182	## 8. UPDATES
	183
	184	This Privacy Policy may be updated or amended at any time and from time to time
	>	and will reflect the date it was last updated or amended. Under certain circumst
	>	ances, we may also elect to notify you of updates or amendments to our Privacy P
	>	olicy by sending you an email. Please check this Privacy Policy each time you ut
	>	ilize the Sites to ensure you are aware of any changes in our practices. Your co
	>	ntinued use of the Sites indicates your acceptance of and agreement with the cha
	>	nges to this Privacy Policy.
	185
	186	9. CONTACT US
	187
	188	If you have any questions or comments about this Privacy Policy, you are welcome
	>	to write or call us toll-free at:
	189
	190	Customer Privacy		147	Sallie Customer Privacy
	191
	192	Sallie Mae
	193			148
	194	P.O. Box 3319		149	P.O. Box 3319
	195			150
	197			152
	198	(855) 582-1928		153	(855) 582-1928
	199			154
t	200	You may also contact us via email at: privacy@salliemae.com	t	155	You may also contact us via email at: privacy@sallie.com .
	201
	202	End of Columns

← Back to timeline