Our Privacy Commitment
We are committed to excellence in customer service, and your privacy is important to us. Listed below is a description of the guidelines we use when protecting the information you provide or we obtain when you use our website or services provided through our website or any application linking to this policy (the "Edfinancial Services" or "Services"). This applies to Edfinancial Services and governs data collection and usage at all Edfinancial Services sites and services such as Edfinancial.com.
Information We Collect
We obtain information about you and your use of our Edfinancial Services when you register a user account with us, sign up to receive communications from us, or otherwise access or interact with our Edfinancial Services. The information we collect can include personal information (as described below) or non-personal information, which is information that does not identify or relate to an individual.
Personal information is information relating to an identified or identifiable natural person. An identifiable natural person is one who can be identified, directly or indirectly, by reference to an identifier such as a name, an identification number, location data, or an online identifier. We collect information through any correspondence that you provide to us whether through email, mail, phone calls, or through our Edfinancial Services.
We do not consider personal information to include information that can no longer be used to identify a specific natural person, whether in combination with other information or otherwise.
In some instances, we automatically collect certain types of information when you use our Edfinancial Services or correspond with us. Automated technologies may include the use of web server logs to collect IP addresses, “cookies” and web beacons. For more details regarding the information collected through the Edfinancial Services, please read the chart below.
Information Collected Through Use of our Services
|Categories of Information
||Description of Category
||This is the personal information that is provided by you or collected by us to enable you to login and access your loan account and the Edfinancial Services. This includes your first and last name, student loan account number, date of birth, mailing address, phone number, and email address.
Some of the personal information we will ask you to provide is required in order to create your account. You also have the option to provide us with some additional personal information in order to make your account more personalized.
We use your account information to verify your identity as an Edfinancial customer, enabling our representatives to answer specific questions to assist you with your account(s).
If you wish to update any of your account information, you may do so by logging into your online account.
|Services Usage Information
||This can be personal information and non-personal information that is collected about you when you are using our Services, and this may include:
Web servers at Edfinancial Services automatically recognize your domain name, but not your email address. No nonpublic personal information is collected unless you choose to provide it to us through one of our online services. Our web server does collect information such as domain name, number of hits, pages visited and length of user session in order to compile website statistics that enable us to analyze how our websites are used. This information is then used to improve the usefulness of the sites.
- Information about your interactions with our Services, which includes the data and time of any information you enter into our Services, and your interactions with other users of our Services.
- User content you post to our Services, including messages you send and/or receive through our Services and your interactions with our customer service team.
- Technical data, which may include URL information, cookie data, web beacons and other tracking technology information, your IP address, the types of devices you are using to access or connect to our Services, unique device IDs, device attributes, network connection type (e.g., WiFi, 3G, LTE, Bluetooth) and provider, network and device performance, browser type, language, and operating system. Further details about the technical data that is processed by us can be found below.
Cookies. If you choose to register with the Edfinancial Services sites in order to utilize a service that requires you to log in, your user ID will be stored in a temporary "cookie" on your web browser. Cookies are small data files that are downloaded onto your computer or mobile device when you use our Services, which are unique to your device or account. Cookies make it easier for you to use our Services by saving your preferences so that we can use these to improve your next and subsequent visits to our Services – for example, remembering your login information. Cookies help us learn which areas of our Services are useful and which areas need improvement. Cookies cannot be used to run programs or deliver viruses to your computer. The cookie that manages your login will be removed as soon as you close your browser. Other cookies are used for customization of content and contain information such as your device type, or the page from which you landed on an Edfinancial Services page or feature and do not contain any personally identifying information such as your name, email address or loan information. Our cookies are not used to collect any nonpublic personal information. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.
Cookies may be either persistent or temporary (or session) cookies. A persistent cookie retains user preferences for a particular website, app or service, allowing those preferences to be used in future use sessions and remains valid until its set expiry date (unless deleted by the user before the expiry date). A temporary cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
We currently use Google Analytics to track visitors by collecting anonymous statistics with first-party cookies, small text files with a single string of anonymous text or numbers. We do not collect any personally identifiable information about website visitors using this tool. The type of information we collect includes pages visited, IP address, the type of browser you are using, the websites you visit immediately before and immediately after you visit our websites, and other anonymous data involving your use of our websites. By supplementing our records, this information helps us learn things like what pages are most attractive to our visitors. We do not link an IP address with the identity of a computer user. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners.
Pixels, Web Beacons. We or third party partners may use invisible pixels or beacons on our Services to count how many users access or use certain pages, features or content. This information is collected and reported in the aggregate. We may use this information to improve our current Services offerings, develop new products or services, and target information to you that may be helpful and useful to you based upon your use of our Services.
||We use anonymized and aggregated information that may be created or derived from your personal information or usage of our Services for purposes that include data analysis, improving our Services, advertising and marketing, and developing new features and functionality within our Services.
Minimum Age Requirement
By law, Edfinancial Services cannot and does not knowingly collect, maintain, or process any information from persons who are not yet 13 years of age. If you are under 13 years of age, you can utilize the information provided in many areas of our site, but you are not authorized to submit information to us.
Your Rights and Options Regarding Your Personal Information
Personal information required to service your loans is retained by Edfinancial Services for a period of at least 7 years after full payment of the loan balance. Personal information may be retained longer than seven years when required by legal obligations and/or contractual obligations with your lender. You have the right to request a copy of your personal information and loan records. You may do so electronically via your online account or by contacting us via the methods listed below in the “Contact Information” section.
You may update or modify or delete basic personal information associated with your student loan account(s) by logging into your online account or by contacting us via our email contact form.
If you are a resident of California, effective January 1, 2020, you may have additional rights with respect to your data under certain circumstances, which may include the following:
To exercise these rights, please contact us as set forth in the “Contact Information” section below.
- The right to request access to a copy of your personal information and third parties with whom we have shared your personal information
- The right to request us to erase your personal information when we no longer need such data in connection with our services.
Confidentiality and Security
The security of your personal information is important to us. When you enter sensitive information (such as a social security number) on our registration or order forms, we encrypt that information. We follow industry-accepted best practices for protecting personal information, both during transmission and at rest on our systems. While no method of communication over the Internet or electronic storage is ever 100% secure, we have gone to great lengths to protect your personal information through the use of firewalls, intrusion protection systems, file level encryption of data while at rest and encryption of data while in transit over our network. All systems provide extensive logging and automated reporting of issues enabling timely response, interdiction and corrective actions if necessary.
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our website.
If you have any questions about security on our website, you can contact us via our email contact form.
Special Notice to Non-U.S. Users Regarding Data Transfers
We store your personal information in the United States or other locations outside your home country. The privacy protections and the rights of authorities to access your information in these countries may not be the same as in your home country.
Governing Law and Jurisdiction
If you have any questions about this policy please contact:
120 North Seven Oaks Drive
Knoxville, TN 37922
Toll Free Numbers: 1-800-337-6884, or 1-855-337-6884