Effective Date: April 3, 2018
In this Policy, the terms “we,” “us,” or “our” shall refer to Nelnet Loan Servicing. The terms “you”, “your”, or “User” shall refer to any individual merchant or entity who accepts this Policy. This Policy is subject to change from time to time, so be sure to check back occasionally to ensure you have read the most current version.
We reserve the right at any time, and in our sole discretion, to change or modify this Policy. If any such changes or modifications are made, we will update the “Effective Date” heading at the top of this web page. Such changes or modifications shall be effective immediately upon posting to the Website, and supersede any prior versions of this Policy. Your use of the Website or the Services provided through the Website following such changes or modifications shall constitute your acceptance of the Policy as last revised.
Information we collect
We, and/or our third-party advertising or technology vendors, may collect Non-Personally Identifiable Information using various tracking technologies described in this Policy. Non-Personally Identifiable Information is anonymous and includes information such as IP address, web pages which have been viewed, date and time, search queries that have been submitted, domain type, and responses by a visitor to an advertisement and content delivered by us or a third party advertising or technology vendor. We may use different types of technologies to collect this type of information, including cookies and web beacons (1×1 pixels). Additionally, when requesting further information on the Website, we may collect additional Non-Personally Identifiable Information about the individual. Examples of Non-Personally Identifiable Information that may be requested include geographic location. None of this Non-Personally Identifiable Information, by itself, or together with other Non-Personally Identifiable Information, can by its nature be matched with a specific individual.
When you enter the Website, you will pass through our security firewall and we will identify the Internet Protocol (IP) address of your computer or handheld device. The IP address will not identify you personally, but it will let us identify the device you are using. We store IP addresses in case we need to track a connection for security purposes. We may also collect information about the device you are using to access the Administrator Services, including what type of device it is, what operating system you’re using, device settings, unique device identifiers, geo-location data, and crash data. Whether we collect some or all of this information often depends on what type of device you are using and its settings. Check the policies of your device manufacturer or software provider to learn more about what information your device makes available to us.
Web Beacons (1×1 Pixels or Gifs)
Our website contains coding known as Web Beacons that use 1×1 pixel images to capture and transmit the online activity of users on the Website. These Web Beacons typically transmit information about the completion of forms on the Website and other Website activities in order to measure advertising effectiveness and/or store analytics information. In addition, we may use Web Beacons in HTML-based emails. This use allows us to evaluate the effectiveness of our email communications and our marketing campaigns by showing how many emails recipients open.
Like most websites, our servers utilize log files. Log files store information including internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks. Log files are used to analyze trends, administer the Website, track Users’ movement in the aggregate, and gather broad demographic information for aggregate use. We use log file information at times to help identify you as you browse and to gather broad technical and demographic information on who uses our website.
Google Analytics Advertising Features
Do Not Track Signals
Do Not Track is a feature in your web browser, which enables you to opt-out of the third party tracking of your online activities over time and across third party websites. We do not track users across other websites to provide targeted advertising. “We do not process or comply with any web browser’s “do not track” signal or other similar mechanism that indicates a request to disable online tracking of individual users who visit this Website or use our Services.” Third parties cannot collect any Personally Identifiable Information from this Website unless you provide it to them directly.
Personally Identifying Information
Personally Identifiable Information, as used in this Policy, means any information or set of information that identifies a specific individual, and may be collected when users request to contact us or request a site visit. Examples of Personally Identifiable Information that may be requested include your first and last name, email address, phone number, and company name. We collect this information on the Website correspond with you about our Services. You can choose not to provide your Personally Identifiable Information by electing not to complete a form. By providing your personal information, you acknowledge and consent to our use of your Personally Identifiable Information in accordance with this Policy.
How We Use Your Information
Uses of Information
Certain Non-Identifying Information would be considered a part of your Personally Identifiable Information if it were combined with other identifiers (for example, combining your zip code with your street address) in a way that enables you to be identified. But the same pieces of information are considered Non-Identifying Information when they are taken alone or combined only with other non-identifying information (for example, your viewing preferences). We may combine your Personally Identifiable Information with Non-Identifying Information and aggregate it with information collected from other users to attempt to provide you with a better Website experience and to analyze and understand how our Website and Services are used. We may also use the combined information without aggregating it to serve you specifically, for instance to deliver a product to you according to your preferences or restrictions.
If you supply us with your email address we may let you know by email about other products and services and product enhancements that may be of interest to you. You will have the opportunity to tell us you do not want to receive future messages with each message you receive.
What We Share
Sometimes the law or other circumstances also require that we disclose Personally Identifiable Information about you to nonaffiliated third parties. Some examples are: when you ask or permit us to do so; in response to subpoenas or court orders; when we suspect fraud or criminal activity; to protect our property and rights or those of a third party; to protect the safety of the public or any person; or to prevent or stop activity we may consider to be, or to pose a risk of being, illegal, unethical, or legally actionable activity. Nelnet Loan Servicing does not sell, lease, or otherwise disclose Nonpublic Personal Information and/or Personally Identifiable Information collected on its Website to third parties for marketing purposes.
Our Security Procedures
Nelnet Loan Servicing is committed to providing you a useful and enjoyable online experience, and to protecting your Nonpublic Personal Information and Personally Identifiable Information during your visit. When you access the Website, your information is protected by reasonable and standard security and authentication techniques. We may collect information from your visit in order to personalize and improve upon your experience with us, but all personally identifiable information we collect is maintained securely.
To access information and send email via the Website, you will need a browser that supports the use of Secure Sockets Layer (SSL) technology. This encryption technology helps ensure the authenticity of your online sessions and secures data being transmitted over the public Internet. Nelnet Loan Servicing takes careful steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide Services to you, and we regularly train our employees on privacy, information security, and their obligation to protect your information. We maintain reasonable and appropriate physical, electronic, and procedural safeguards to guard your Nonpublic Personal Information and Personally Identifiable Information and we regularly test those safeguards to maintain the appropriate levels of protection.
The Website is not directed to children under 13. We do not knowingly collect, maintain or use personally identifiable information from the Website about children under age 13. If a parent or guardian becomes aware that his or her child has provided us with Personally Identifiable Information without their consent, he or she should contact us using the information below (“How to Contact Us”). If we confirm that we have collected such information we will take all reasonable measures to delete that information from our system as soon as reasonably possible.
Effective Date: May 25, 2018
PRIVACY NOTICE FOR EUROPEAN UNION RESIDENTS:
Striving to provide superior customer service, Nelnet places great emphasis on its customers and their privacy rights. In doing so, Nelnet will comply with European Union Privacy Directives, most notably the EU General Data Protection Regulation. By providing our services, we may from time to time collect, store, use or process your personal data for legitimate business purposes, such as improving our products and services. Nelnet Loan Servicing’s processing of your data is necessary for compliance with its contractual and legal obligations. Personal data means any identifier information, such as your name, social security number, identification number, location data, or other online identifiers and factors.
Although your data is generally stored within the United States, an international data transfer may occur if third party, cloud-based storage companies that Nelnet employs use servers located outside the United States. Nelnet Loan Servicing uses appropriate technical and organizational security measures including encryption of personal data and follows various industry standards and best practices to protect your personal data. Additionally, Nelnet Loan Servicing requires its vendors and processors to abide by the European Union General Data Protection Regulation and to apply adequate security and technical safeguards. We will not transfer your data to or store your data in countries that have not been awarded an adequacy decision by the European Commission.
For general processing purposes, Nelnet Loan Servicing will store your personal data for a period of seven years after full payment of the loan balance. However, Nelnet Loan Servicing may retain such information for longer periods where legally required to do so based on its contractor or other legal obligations.
You have the right to withdraw consent for processing at any time. Further, you have the right to request access to and rectification, restriction or erasure of your personal data. Nelnet Loan Servicing will afford you these rights, but it may not be able to do so where the processing is based on its contractual obligations, based on other legitimate interests, or carried out in the public interest. Along with these rights, if you believe that your data has been mishandled in violation of a privacy directive, you have the right to lodge a complaint with the relevant supervisory authority. If you have questions or concerns about our data processing practices, please address such inquiries to our Data Protection Officer.
Contact Details for Privacy and Data-related Inquiries
Nelnet Loan Servicing
121 S. 13th St.
Lincoln, NE 68508
Chief Compliance Officer