Website Privacy Policy

Effective Date: January 2, 2018

This Privacy Policy only describes online website practices of U‑fi (“U‑fi”, or “we”) with respect to the collection, use, and sharing of information. It does not apply to information collected from offline resources and communications, or information collected from or about you as a customer of U‑fi financial services or products. We collect information from your visit only in order to personalize and improve upon your experience with us.

This Privacy Policy is effective as of the date listed above. We reserve the right to revise this Privacy Policy at any time and at our discretion. If we decide to make a material change to this Privacy Policy, we will provide notice of changes by indicating on the Privacy Policy the date it was last updated and making such updated Privacy Policy accessible on the website.  We may also choose to notify you of material changes to the Privacy Policy by email or by means of a notice on our home page.

GENERAL INFORMATION

If you supply us with your e-mail address, we may let you know by e-mail about other products and services and product enhancements that may be of interest to you. You will have the opportunity to tell us you don't want to receive future messages with each message you receive. If you e-mail a question or comment to us, we will use your e-mail address to reply to you and we will temporarily store your e-mail address, your message, and our reply for quality assurance or to satisfy applicable laws and regulations. When we collect your e-mail address this way, we won't use it for marketing our products and services unless you have given us permission.

Please note that when you visit third-party links from our website, even though you may have started your visit with us, your transactions are completed with a separate organization, not with us. We don't share your information with them, but information you choose to share with them will fall under their privacy policies, which we encourage you to review.

CHILDREN’S PRIVACY

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.

NON-PERSONALLY IDENTIFIABLE INFORMATION

We may collect Non-Personally Identifiable Information using various tracking technologies described in this Privacy Policy. Non-Personally Identifiable Information is anonymous and includes information such as IP address, web pages which have been viewed, language, location, date and time, and domain type. We may use different types of technologies to collect this type of information. Additionally, when registering for an account or requesting student loan information, we may collect additional non-personally identifiable information about the individual. Examples of the non-personally identifiable data that may be requested include educational background, geographic location, and other information. None of this information (collectively referred to as “non-personally identifiable information”), by itself, or together with other non-personally identifiable information, can by its nature be matched with a specific individual. We have no access or control of third-party tracking technologies.

PERSONALLY IDENTIFIABLE INFORMATION

Personally Identifiable Information, as used in this Privacy Policy, means any information or set of information that identifies a specific individual. Examples of personally identifiable data that may be requested include name, address and email address, and phone numbers (home, mobile, office, and/or fax numbers). Providing your personal information is always voluntary, and you can always choose not to provide your personal information by electing not to use our website. By providing your personal information, you acknowledge and consent to our use of such information in accordance with this Privacy Policy.

We collect information that you provide to us when you register for an account, request information, or otherwise voluntarily provide information about yourself. We may ask you to submit personal information, like your name, account ID, account number, phone number, e-mail address or other contact information. For example, we may collect information when you request to be contacted about our financial products or services or when you complete an online application. You can, however, browse our website at your convenience, and review our services without having to submit such information.

AUTOMATICALLY COLLECTED INFORMATION

We may automatically collect certain information on our website through cookies, log files, and other common website data collection techniques.

When you enter our website, we will identify the Internet Protocol (IP) address of your computer or handheld device. The IP address doesn't identify you personally, but it lets us identify the device you're using. We store IP addresses in case we need to track a connection for security purposes.

Cookies

The Services may place "Cookies" on a visitor's device. Cookies are small text files. Our Cookies save anonymized data about individual visitors, allowing our Services to recognize information about a visitor and help deliver personalized content and other services and functions. Cookies make your Internet experience quicker and more convenient. The Services use both session cookies, which terminate when a user closes his or her browser, and persistent cookies, which remain on the user's device until they expire or are manually deleted. The Services also contain coding from our business and technology partners which generates third party cookies. Third party cookies allow our business and technology partners to store non-Identifying Information they can access when you visit this or other websites. Accepting a cookie from a web or device browser does not give us access to any Personally Identifiable Information.

Most website and mobile device browsers allow you to control cookies, including whether or not to accept them and provide the ability to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. Blocking cookies may result in a lower quality experience for you while you are using our Services.

Google Analytics Advertising Features

We use Google Analytics to collect information about the use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this Website by disabling the Google Analytics cookie on your browser. You can also view and change the currently available opt-outs for Google Ads.

We also use the Google Adwords remarketing service to advertise on third-party websites (including Google) to previous visitors to of our website. This could be in the form of an advertisements on other websites or on the Google search results page. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to our website. Any data collection will be used in accordance with our own privacy policy and Google’s privacy policy. You can set preferences for how Google advertises to you using Google’s Ads Settings. Alternatively, you can opt-out of a third-party vendor’s use of cookies by visiting the Network Advertising Initiative opt-out page.

Log Files: 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.

DO NOT TRACK SIGNALS

We currently 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 the U‑fi website or use our services. Third-parties cannot collect any personally identifiable information from the U‑fi website unless you provide it to them directly.

HOW WE USE INFORMATION

In addition to the uses listed in other sections of this Privacy Policy, the information you provide and automatically-collected information (both Personally and Non-Personally Identifiable Information) is used and shared to provide a number of different functions and services on the website. This utilization includes, but is not limited to, the following:

  • Verifying your identity, remembering personal settings, and contacting you about your account status, changes to this Privacy Policy, or other terms applicable to your use of the website.
  • Assisting law enforcement or other governmental agencies investigating cases of possible illegal activities by third-parties.
  • Enforcing our Terms of Use or other agreements, and to protect the rights, property, or safety of our users or others.
  • Improving the experience of using the website, U‑fi products and services, the marketing and promotion of our products and services, and to customize the website’s content and layout, and generally improve the website to meet your needs better.

SECURITY MEASURES TO PROTECT YOUR INFORMATION

We have implemented technical, administrative, physical security measures, and other generally accepted industry standards designed to protect your information from unauthorized access and improper use. We review our security procedures on a regular basis to consider new or updated and appropriate technology and methods. Please be aware, however, that no method of transmission of information over the Internet, or method of electronic storage of information, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

COMPANY CONTACT INFORMATION

If you have any questions about this Policy, please contact us by email or regular mail at the following address:

U-Fi
121 S. 13th St.
Lincoln, NE 68508
Email: StudentLoans@U-Fi.com


Effective Date: May 25, 2018

PRIVACY NOTICE FOR EUROPEAN UNION RESIDENTS:

Striving to provide superior customer service, U-fi places great emphasis on its customers and their privacy rights. In doing so, U-fi 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. U-fi’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 U-fi employs use servers located outside the United States. U-fi 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, U-fi 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, U-fi will store your personal data for a period of seven years after full payment of the loan balance. However, U-fi 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. U-fi 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

Data Controller:
U-fi
121 S. 13th St.
Lincoln, NE 68508
StudentLoans@U-fi.com

Data Processor
Nelnet, Inc.
Shawn Traudt
Chief Compliance Officer
Shawn.Traudt@nelnet.net
402-323-4979