Sallie Mae Beef's Privacy Statement

This document declares the undertakings by Sallie Mae Beef in relation to its handling of Your Data.

Data Collection

Sallie Mae Beef undertakes to collect Your Data by means that are:

• fair;
• legal; and
• transparent.

If you visit Sallie Mae Beef's web-site, your web-browser automatically discloses, and Sallie Mae Beef's web-server automatically logs, the following information: the date and time, the IP address from which you issued the request, the type of browser and operating system you are using, the URL of any page that referred you to the page, the URL you requested, and whether your request was successful. This data may or may not be sufficient to identify you.

Any additional data that you provide, e.g. in a web-form, may also be logged. This data may or may not be sufficient to identify you.

Any additional data that your web-browser automatically provides may also be logged. This will be the case, for example, if your browser has previously been requested to store data on your computer in 'cookies' and submits them each time you request a web-page within a particular domain (such as salliemaebeef.com). This data may or may not be sufficient to identify you.

If you disclose personal data to Sallie Mae Beef in conjunction with an identifier such as your name or your credit-card details, Sallie Mae Beef will collect Your Data. Moreover, any data that becomes available to Sallie Mae Beef through any of the means described in the preceding paragraphs may be able to be associated with that identifier, and hence become Your Data.

Subject to the qualifications immediately below, Sallie Mae Beef undertakes to collect Your Data from you and not from other parties. This undertaking is qualified as follows:

• where Sallie Mae Beef reasonably considers that the protection of its financial interests requires that it gather YourData from other sources, or from additional sources. This applies in particular where Sallie Mae Beef has a lending exposure to you, and seeks information about your creditworthiness;
• where Sallie Mae Beef reasonably considers that its capability to deliver quality services to you will be materially enhanced by gathering YourData from other sources. This applies in particular to consumer profile data.

Where Sallie Mae Beef collects Your Data from sources other than you, it undertakes:

• to do so only by legal means;
• to do so only with your Consent; and
• to declare to you what sources it uses, and under what circumstances.

Sallie Mae Beef undertakes to declare the purpose of collection in a manner which is clear and meaningful, and to avoid vague, highly inclusive statements such as 'to support our operations'.

Data Security

Sallie Mae Beef undertakes to store Your Data in a manner that ensures security against unauthorised access, alteration or deletion, at a level commensurate with its sensitivity.

Sallie Mae Beef undertakes to store Your Data only in jurisdictions where data protections are at least equivalent to those required under the OECD Guidelines.

Sallie Mae Beef undertakes to transmit Your Data in a manner that ensures security against unauthorised access, alteration or deletion, at a level commensurate with its sensitivity.

Sallie Mae Beef undertakes to implement appropriate measures to ensure security of Your Data against inappropriate behaviour by Sallie Mae Beef's staff-members and contractors. These include:

• training for staff in relation to privacy;
• access control, to limit access to Your Data to those staff and contractors who have legitimate reasons to access it;
• particularly in the case of sensitive data, audit trails of accesses, including the identities of staff and contractors accessing the data;
• reminders to staff and contractors from time to time about the importance of data privacy, and the consequences of inappropriate behaviour;
• declaration of appropriately strong sanctions that are to be applied in the event of inappropriate behaviour
• clear communication of policies and sanctions; and
• processes to audit, to investigate and to impose sanctions.

Data Use

Use refers to the application of Your Data by any part of Sallie Mae Beef, or any staff-member or contractor of Sallie Mae Beef in the course of their work.

Sallie Mae Beef undertakes to use Your Data only for:

• the purposes for which it was collected;
• such other purposes as are subsequently agreed between Sallie Mae Beef and You;
• such additional purposes as may be required by law. In these circumstances, Sallie Mae Beef will take any reasonable steps available to it to communicate to You that the use has occurred, unless it is precluded from doing so by law; and
• such additional purposes as are authorised by law (in particular to protect Sallie Mae Beef's interests, e.g. if it believes on reasonable grounds that You have failed to fulfill your undertakings to Sallie Mae Beef or have committed a breach of the criminal law).

Sallie Mae Beef undertakes to use YourData only if it has demonstrable relevance to the particular use to which it is being put.

Sallie Mae Beef undertakes to use YourData in such a manner as to take into account the possibility that it is not of sufficient quality for the purpose, e.g. because it is inaccurate, out-of-date, incomplete, or out-of-context.

Data Disclosure

Disclosure refers to making YourData available to any party other than Sallie Mae Beef and You. The term disclosure may include many different conditions of data transfer, including selling, renting, trading, sharing and giving.

Sallie Mae Beef undertakes to disclose Your Data only under the following circumstances:

• in the course of business being conducted between You and Sallie Mae Beef, where disclosure is necessary to a contractor, such as a transport company. Where Your Data is disclosed in this way, Sallie Mae Beef undertakes to exercise control over Sallie Mae Beef's contractors to ensure that their actions are compliant with these Terms;
• in other circumstances that are directly implied by the purpose agreed between You and Sallie Mae Beef at the time of data collection or subsequently. Where Your Data is disclosed in this way, Sallie Mae Beef undertakes to exercise control over Sallie Mae Beef's contractors to ensure that their actions are compliant with these Terms;
• with your consent, or at your request;
• where required by law, such as a provision of a statute, or a court order such as a search warrant or sub poena. In these circumstances, Sallie Mae Beef will take any reasonable steps available to it to communicate to You that the disclosure has occurred, unless it is precluded from doing so by law;
• where permitted by law (e.g. the reporting of suspected breach of the criminal law to a law enforcement agency; and in an emergency, where Sallie Mae Beef believes on reasonable grounds that the disclosure of YourData will materially assist in the protection of the life of health of some person), provided that Sallie Mae Beef will apply due diligence to ensure that the exercise of the permission is justifiable.

In all cases, Sallie Mae Beef undertakes to disclose only such of Your Data as is necessary in the particular circumstances.

Data Retention and Destruction

Subject to the qualifications immediately below, Sallie Mae Beef undertakes:

• to retain Your Data only as long as is consistent with its purpose; and
• to destroy Your Data when its purpose has expired, and to do so in such a manner that Your Data is not subsequently capable of being recovered.

This undertaking is qualified as follows:

• Your Data may be retained in Sallie Mae Beef's logs, backups and audit trails within short-term retention cycles that are devised to protect the company's operations. In such cases, Your Data will be destroyed in accordance with those cycles;
• Your Data may be retained beyond the expiry of its purpose if that is required by law, such as a provision of a statute, or a court order such as a search warrant or sub poena, or a warning by a law enforcement agency that delivery of a court order is imminent. In these circumstances, Sallie Mae Beef:
  • will take any reasonable steps available to it to communicate to You that Your Data is being retained, unless it is precluded from doing so by law; and
  • will only retain Your Data while that provision is current, and will then destroy Your Data;
• Your Data may be retained beyond the expiry of its purpose if it is authorised by law (in particular to protect Sallie Mae Beef's interests, e.g. if it believes on reasonable grounds that You have failed to fulfil your undertakings to Sallie Mae Beef or have committed a breach of the criminal law). In these circumstances, Sallie Mae Beef will only retain Your Data while that situation is current, and will then destroy Your Data.

Access by You to Your Personal Data

Sallie Mae Beef undertakes to provide you with access to Your Data, subject to only such conditions and processes as are reasonable in the circumstances. In particular, Sallie Mae Beef undertakes to enable access:

• conveniently;
• without unreasonable delay; and
• without cost.

Sallie Mae Beef undertakes to establish and operate identity authentication protections for access to Your Data that are appropriate to its sensitivity, but practical. This may involve some inconvenience; for example, relatively straightforward procedures may be involved in order to provide you with access through a channel that you have previously registered with Sallie Mae Beef (such as a particular email-address), but may impose more onerous procedures if you wish to use some other channel.

In the event that you dispute some aspect of Your Data, Sallie Mae Beef undertakes to take reasonable steps in relation to the amendment, supplementation or deletion of Your Data.

You undertake:

• not to seek access for frivolous purposes, or unreasonably frequently;
• to accept that deletion of some data may not be consistent with the provision of particular services by Sallie Mae Beef to you.

Information about Data-Handling Practices

Sallie Mae Beef undertakes to make information available to you about the manner in which Sallie Mae Beef handles your data:

• in general terms, in a readily accessible manner; and
• in more specific terms, on request.

Where Your Data is disclosed to a contractor, Sallie Mae Beef undertakes to make information available to you on request about the manner in which Sallie Mae Beef's contractors handle your data.

Sallie Mae Beef undertakes to ensure that the information provided is meaningful, and addresses your concerns.

You undertake:

• not to seek such information for frivolous purposes, or unreasonably frequently; and
• to accept that the disclosure of excessive detail may harm the security of Your Data and Sallie Mae Beef's business processes, and may harm Sallie Mae Beef's commercial interests.

Handling of Enquiries, General Concerns and Complaints

If you have enquiries, general concerns, or complaints about these Terms, or about Sallie Mae Beef's behaviour in relation to these Terms, you undertake:

• to communicate them in the first instance:
  • to Sallie Mae Beef only;
  • in sufficient detail;
  • through a channel made available by Sallie Mae Beef for that purpose;

Sallie Mae Beef undertakes:

• to provide one or more channels for communications to Sallie Mae Beef, which are convenient to users;
• to promptly provide acknowledgement of the receipt of communications, including the provision of a copy of the communication, the date and time it was registered, and Sallie Mae Beef's reference-code for the communication;
• to promptly provide a response to the communication, in an appropriate and meaningful manner.

You further undertake to not pursue Sallie Mae Beef through any Regulator or the media:

• until and unless Sallie Mae Beef has had a reasonable opportunity to respond to the initial communication; and
• while Sallie Mae Beef and you remain are conducting a meaningful dialogue about the matter.

Enforcement

Sallie Mae Beef declares that its undertakings in these Terms are intended to create legal obligations, and that those obligations are intended to be enforceable under appropriate laws in appropriate jurisdictions. These include laws relating to data protection, privacy, fair trading, corporations and criminal laws.

You undertake to seek enforcement only in a jurisdiction that is relevant to the transactions that have taken place between You and Sallie Mae Beef, in particular the jurisdiction in which you live or in which you performed the relevant acts, and the jurisdiction in which Sallie Mae Beef is domiciled or performed the relevant acts.

If you wish to discover the relevant laws in any particular jurisdiction, Sallie Mae Beef draws your attention to the following resources:

• WorldLII Privacy Links
• Compilation of [U.S.] State and Federal Privacy Laws, Privacy Journal, Providence RI
• Privacy Law Sourcebook 2004, EPIC, Washington DC
• the Australian Privacy Foundation's pages:
  • International Instruments Relating to Privacy Law
  • Privacy Laws of Countries of the World
  • Privacy Laws of the Commonwealth of Australia
  • Privacy Laws of the States and Territories of Australia
• Privacy International

Changes to These Privacy Undertakings

Sallie Mae Beef undertakes:

• not to materially change these Terms in a manner that reduces the protections for Your Data;
• to take all possible steps to prevent any company that acquires this company or any of its relevant assets from materially changing the Terms applicable to Your Data in a manner that reduces the protections for Your Data;
• where it is considering making changes to these Terms, or creating more specific Terms relating to specific services, to consult with appropriate representative and advocacy organisations;
• where it makes changes to these Terms, to ensure that the differences between successive versions are readily accessible;
• to maintain all prior versions of these Terms in such a manner that they are dated, and readily accessible.

Definitions

Sallie Mae Beef means a web site dedicated to providing a voice for all people affected by the operation of Sallie Mae and other student loan companies.

Your Data means data that is capable of being associated with you, whether or not it includes an explicit identifier such as your name or customer number. In particular, it encompasses all data that Sallie Mae Beef is capable of correlating with you, using such means as server-logs and cookie-contents.

Your Data does not refer to data that can no longer be associated with you. This includes aggregated data that does not and cannot identify the individuals whose data are included in the aggregation.

Consent means your concurrence with an action to be taken by Sallie Mae Beef. Consent may be express or implicit, but in either case must be informed and freely-given.