Cology may collect nonpublic personal information about you from the following sources: (i) information we receive from you on loan applications or other documents; (ii) information we receive from a credit reporting agency; (iii) information we receive from the guarantor; and (iv) information we receive from your school. We will not sell or otherwise disclose any nonpublic personal information about you to anyone except as permitted or required by law.

In the ordinary course of business and as permitted by law, we may disclose some or all of the information we collect, as described above, to (i) entities that perform marketing services on our behalf; (ii) companies that service our loans or collect payments on our loans and/or provide loan servicing computer support; (iii) our professional service providers such as lawyers, accountants, and financial advisors; (iv) bondholders, investors, trustees, credit providers or guarantors; (v) student loan databases that may be accessed by schools, student loan guarantors, student loan lenders and student loan servicers (vi) certain governmental entities or officials; (vii) credit reporting agencies; and (viii) as part of a sale of some or all of the assets of Cology.

Cology does not use cookies or other anonymous identifiers on our website. Cology may collect general information such as the type of browser you use, the files you request, and the domain name from which you request information so that our website can better meet your needs. Cology will not associate any data gathered from its website with any personally identifying information from any source. Data collected by Cology is used to create customized recommendations and to tailor content for our consumers and customers at our website. This helps make your experience at cology.com is more personalized and complete.

Cology maintains physical, electronic, and procedural safeguards to protect your nonpublic personal information.

Cology reserves the right to change its privacy policy at any time. In the event Cology does change its privacy policy, we will not share any of your nonpublic personal information with anyone that we could not have shared your nonpublic personal information with before the change in policy without first providing you with an opportunity to tell us not to share your nonpublic personal information.