Privacy Policy K2 Student Loan Solutions

K2 Student Loan Solutions is a division of Ceigis, LLC. At Ceigis it's our policy to respect the privacy of our customers, and to protect personal information. To better serve our customers, Ceigis has provided the following policies, which describe the efforts we take in ensuring the privacy of personal information as well as how we use it.

CEIGIS INTERNET PRIVACY POLICY
This policy describes Ceigis' practices regarding the collection and use of information obtained from visitors to our website(s).

CEIGIS CORPORATE PRIVACY POLICY
This policy describes Ceigis' practices and procedures regarding the collection and sharing of non-public information.

CEIGIS INTERNET PRIVACY POLICY
Ceigis is a leader in helping students and families manage their finances and debt. We provide visitors with helpful and timely information along with useful interactive tools. Ceigis respects the privacy of our customers and visitors. We are committed to protecting their online information with the same care that we use for all Ceigis transactions.

Like many other organizations, we place "cookies" on your computer when you visit Ceigis websites. Cookies are pieces of data that we store on your computer that can help us understand how you use our websites. We place both temporary and non-expiring cookies on your computer when you visit. Temporary cookies are designed to stay on your computer only while you are visiting our website. Non-expiring cookies are placed on the hard drive in your computer and allow us to collect information such as: date and time of visits, the time spent on the website, and the pages viewed while on the website. Ceigis does NOT use cookies to collect any non-public personal information. We use cookies to evaluate behaviors, but we do not use the cookies to identify individual visitors to our websites. By changing settings located in your web browser you may prevent cookies from being placed on your computer.

Our web server automatically recognizes your domain name, but not your e-mail address. We do not collect non-public personal information from visitors to our sites unless you expressly provide it to us. The information we do collect from our websites (such as domain name, number of hits, pages visited and length of user session) may be combined to analyze how our websites are used. This information is then used to improve and enhance the usefulness of our site.

Ceigis does not intend to collect non-public personal information from minors. If we learn that we have collected this information from a minor under the age of 18, we will promptly take all reasonable steps to delete the data from our system.

You may also access our site through the site of one of our marketing partners.
Ceigis will make every effort to show clearly, by placing our marketing partner's name or logo in a prominent place. If you provide your information on a co-branded page, your registration information may be shared with our marketing partner.

We may permit you to access non-Ceigis sites directly from our website. Please note that, if you link to a non-Ceigis site from our website, that party's privacy policy and its terms and conditions of use apply to you.

As detailed in our Corporate Privacy Policy, we sometimes share customer information with outside companies that perform services for us or provide products that we don't. When we use these companies, we provide them only the customer information needed to perform that specific service.

Before we disclose customer information to these companies, we require them by legal agreement to keep this information confidential and to use it only as authorized. They are not permitted to use this information for their own purposes or to sell this information to any other person.

If you provide Ceigis with non-public personal information, unless prohibited by law, you may request that the non-public personal information be removed from our system by contacting us at the address indicated below. If you register information on our websites, you also have the right, upon reasonable notice, to view that information and correct it if necessary.

Ceigis employs state of the art information technology systems and platforms, which safeguard your information according to industry established security standards. We routinely test our systems to ensure the highest level of security. Only those Ceigis employees with a business need to access your non-public personal information may do so.

Contacting us:
If you have any questions or comments about this policy, please write us or call us at:

Customer Privacy
Ceigis LLC
P.O. Box 2088
Wilmington, DE 19801
(302) 998-7565

Ceigis CORPORATE PRIVACY POLICY
Ceigis wants you to know that we value the trust you have placed in us. As part of earning that trust, we want you to know that the privacy of your personal information is a serious matter for Ceigis and its employees. All of us at Ceigis respect your privacy and the confidentiality of your personal information. That's why we collect only information that is needed to serve you and administer our businesses. It's also why we share customer information only as outlined in these Privacy Principles and Practices and as permitted by law.

Please take a moment to read this policy. It explains what information we collect and why we collect it, as well as how and why we may share this information. It also explains how we protect your information.

Information Collection
We collect only limited "non-public personal information". Non-public personal information is information about you, which is not available publicly. We gather this information so we can deliver the products and services you request easily and efficiently and administer our businesses. This information also helps us design and offer new products and services we believe will benefit you. We feel that the more we understand about you, the better we can serve you. Some of the information we collect, is required by state and Federal law.

We gather this information from a variety of sources and use it in different ways including:

Information we receive directly from you:

Information received directly from you on applications or other forms including but not limited to your name, address, social security number, birth date, e-mail address or telephone number. We use this information are to send you information about our products and services, or to contact you about your application and/or account.
Financial information such as income, assets or liabilities. We use this information to process applications and to suggest other products and services that help you get the most from your relationship with us.

Information about your transactions and experiences with Ceigis:

Such as account balances, payment history and account usage. This information permits us to process your requests quickly and recommend appropriate products or benefits.

Information about you from consumer reporting agencies:

Such as credit history and credit scores. We use this information to process loan applications, monitor existing accounts and to make "pre-approved" offers.

Information received from other sources:

Such as information from your school, loan servicer, lender, guarantor, list vendors, affinity groups of which you may be a member, and other affiliated and non-affiliated third parties.

Data security standards
Ceigis safeguards customer information using various tools such as firewalls, passwords and data encryption. Ceigis is continually improving the way we use these tools to meet or exceed industry standards. We also limit access to personal information to protect against its unauthorized use. The only Ceigis employees who can see your personal information are those who need it as part of their jobs.

Data sharing limits
Ceigis limits and controls how we share information about customers. We do not disclose non-public personal information about our customers except as permitted by law and as set forth in these principles. We do share information in limited cases. They include:

Sharing of Information within the Ceigis family of companies

We offer our services and products to you through a variety of affiliated companies. Different Ceigis companies offer education loans, private loans and personal mortgage loans. By sharing information among these companies, we are able to offer you convenient customer service, combined statements and simpler applications, along with special discounts and other benefits.

Information sharing with Ceigis
In order to complete a transaction or provide enhanced customer service, we may share information on current or past customers within the affiliated family of Ceigis.

Information sharing outside of Ceigis
In order to initiate and execute an application and fund your loan through one of our lenders, to perform services for you, or to offer other financial products or services not currently offered by Ceigis.

We may also share your information with non-affiliated third parties who do not offer financial products. These parties include:

Financial service providers (i.e. companies engaged in education lending, consumer finance, banking, credit cards, guaranty and securities.)
Other organizations (i.e. non-profit organizations engaged in servicing and or guaranteeing education loans.)
Non-Financial organizations (i.e. direct marketing companies engaged in the selling of financial products and services.)

Sharing of non-public personal information is limited to those Ceigis employees that have a legitimate need to access the data as part of their job function. In these cases, our subsidiaries, affiliates, and their employees are required to use the information shared with them only for the intended purpose.

We sometimes share customer information with outside companies that perform services for us or provide products that we don't. When we use these companies, we provide them only the customer information needed to perform that specific service.

Ceigis does not share customer information with non-financial companies to enable them to market their products and services to our customers. However, we do occasionally use customer information ourselves to offer third-party products or services that we think you may want or need. If you receive an offer, in your statement or along with other Ceigis information, for a product or service other than one provided by Ceigis or a company that works for us, forwarded that offer to you. No non-public information about you will be shared with that non-financial company.

Other circumstances where we may share information
We may share customer information in other circumstances. Some examples are:

When you specifically request it or give us permission to do so.
When we are required by law. For example, we are required to make disclosures to various student loan guarantee agencies, your schools and the U.S. Department of Education in connection with education loans.
When we share information with consumer reporting agencies, when we suspect fraudulent or criminal activity, when we receive a subpoena or when we are ordered by a court to do so.
When we sell a particular line of business or function.

Information sharing rights
As discussed above, we share information about you within the Ceigis family. The information we share includes:

Your name and address
Other identification information
Information about our experiences or transactions with you or your accounts
Information you give us such as income, assets, liabilities or marital status
Information we receive from third parties such as employment status and credit history

You have the right to tell us not to share within the Ceigis family any information you give us on applications and that we receive from third parties. We may continue, however, to share other information, including your name and address and your account transactions including but not limited to the following exceptions:

Ceigis may disclose information about you to our affiliates in order to complete a transaction where a Ceigis affiliate holds an interest in your loan as well as transactions where Ceigis does not hold a beneficial interest in the loan.
Ceigis may disclose information about you to third parties that perform services on our behalf.
We may disclose personal information about you if it is necessary in order to process and/or service your student loan application or account.
We may also disclose personal information in cases that are permitted by law such as when you authorize us to do so; when a school, guaranty agency or the Department of Education request it in connection with your account; where a court orders us to do so; or if we suspect fraud or other criminal activity.

To tell us not to share this information, please write to us at the address listed below or call us at (302) 998-7565.

When writing, please include your full legal name, mailing address, telephone number and, if possible, your account number.

We will honor your choice of restricting information sharing and your preference will remain in effect until you tell us otherwise. If you previously told us not to share, you don't need to contact us again unless you wish to change your election. (Please note: If you change either or any of your address, telephone number, or email address you must notify us immediately in writing or else your selection(s) may not be honored due to our systems requirements.)

If you contact us and you and another person have jointly obtained a product or service, we will treat a do-not-share instruction by you as applying to you and each joint customer unless you tell us that you are acting only on your behalf.

VERMONT RESIDENTS ONLY. If you are a resident of Vermont, the information set forth above about your right to restrict information sharing does not apply to you. Under Vermont law, we are not permitted to share information you give us or that we receive from others unless you consent to that sharing. You do not need to contact us to give us your preferences.

We work hard to keep accurate information
We work hard to keep complete and accurate information about you and your accounts. If you ever believe that our records are incorrect or incomplete, please let us know. We will investigate and correct any inaccuracies as quickly as possible.

How to contact us:
If you have any questions about this policy, please write us or call us at:

Customer Privacy Advocate
Ceigis, LLC
P.O. Box 2088
Wilmington, DE 19801
(302) 998-7565