Last updated: September 22, 2016
Peanut Butter helps companies provide a unique student loan benefit. Employers turn to Peanut Butter to provide information and decision support tools to manage their employees’ student loans, create supplemental student loan payment plans, facilitate enrollment, verify outstanding loans, coordinate payment, provide reporting, and offer plan support. As their trusted provider, Peanut Butter helps these employers reduce employee turnover, attract talent, and become a workplace of choice. To the employees of our clients, Peanut Butter is an administrative service provider of a benefit offered by their employer. In order for Peanut Butter to provide these services (“Services”) to our clients and their employees, Peanut Butter must collect certain personal information regarding the employees of our clients.
This policy does not apply to any information that you may provide directly to third parties including via third-party sites linked to the www.getpeanutbutter.com website or Peanut Butter’s service website: www.app.getpeanutbutter.com
Information We Collect
The categories of information we collect can include:
Information you provide to us directly. We may collect personal information such as a username and password, first and last name, phone number, e-mail address, home address, and employer name when you register for a Peanut Butter account, use our Service, or if you correspond with us. We may also collect additional information you provide to us about your company or employer, your student loans, and student loan servicer accounts, which we will consider to be personal information if it is linked to your identifying information. We may combine this information with data we collect from you through other methods, such as telephone conversations or electronic document exchange services, including your social security number, and other information.
Information regarding the way you access our site. When you download and/or use our Services, we automatically collect information on the type of device you use, operating system version, and the device identifier (or "UDID").
Information we collect from third parties. We may obtain Information about you from third parties, such as your employer, your payroll provider, and publicly available sources including social media. You may ask us to access your student loan accounts from your student loan servicer on your behalf in order to collect certain information about your student loans. If you provide us with your user name and password/pin in order for us to access your student loan account, you authorize us to access, collect, use and share your student loan account information as necessary to provide you with the Services.
Usage Tracking and Cookies
Technologies such as cookies, beacons, tags and scripts are used by Peanut Butter and our affiliates, analytics service providers, and third party providers of financial services we have engaged. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies.
For example we track user traffic patterns throughout all of our Website. We compile aggregate data mainly by tallying page views throughout our Website. This information may include the URL that you just came from (whether this URL is on our Website or not), which URL you go to next (whether this URL is on our Website or not), and what browser and computing platform you are using.
As is true of most web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.
We use this information, to analyze trends, to administer the Website, to track users’ movements around the Website and to gather demographic information about our user base as a whole.
If you send us proposals or personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on our Website, we may collect and store such information in a file specific to you. If you submit questions via our Website, we may post your questions on the Website, and reprint them in various articles and client communications. Without receiving your prior written consent, we will never include the name, contact or other identifiable information of people who submit questions, regardless of which channel we use to distribute content.
Use of Information
We use the information we collect to operate, maintain, and provide to you and your employer the features of our Services. We may use this information to communicate with you and your employer such as to send email messages, and to follow up to offer information about our service and your account. We may also send you and your employer service-related emails or messages (e.g., account verification, transactional communications, change or updates to features of the Service, technical and security notices). For more information about your communication preferences, see “Your Choices Regarding Your Information” below.
We may use the email address, mailing address, and phone number we collect from you to respond to your inquiries and, to the extent permitted by applicable law, to contact you regarding administrative notices, new product offerings and communications relevant to your use of our Website. In some cases, we may use your personally identifiable information to inform you of new services, promotions and other matters targeted to your interests. You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us at email@example.com.
We use information in the file we maintain specific to you, and other information we obtain from your current and past activities on our Website, to resolve disputes and troubleshoot problems. At times, we may look across multiple users to identify problems or resolve disputes and we may evaluate information about you to look for users using multiple User IDs or aliases.
Retention of Information & Your Choices About Your Information
You can stop receiving promotional email communications from us by clicking on the “unsubscribe link” provided in such communications. We make every effort to promptly process all unsubscribe requests. You may not opt out of Service-related communications (e.g., account verification, benefits registration, transactional communications, changes/updates to features of the Service, technical and security notices).
We will retain your information for as long as your account is active or as needed to provide you Services. You may view and modify your personal information through your account settings. We may not be able to modify or delete your information in all circumstances, as federal and state law may require that we maintain certain types of information for a set period of time. You may not be able to delete or modify certain information that your employer requires that we maintain. If you have any questions about reviewing, modifying or deleting your account information, you can contact us directly at firstname.lastname@example.org.
Once you receive a username and password, you can review and change the information you submitted during registration. If your registration information changes, you must promptly update, change or delete your registration information by logging into your information page or by emailing us at email@example.com. We will respond to your inquiries about your personal information within 30 days.
Peanut Butter’s Website is intended for adults. We do not knowingly collect personal information from children under the age of 13. If we obtain knowledge that we have personally identifiable information about a child under 13 in retrievable form in our files, we will delete that information from our existing files.
Disclosure of Information
Unfortunately, due to the regulatory environment, we cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this policy. By way of example (without limiting the foregoing): we may be forced to disclose information to the government or third parties under certain circumstances, such as to comply with a subpoena or similar legal process; we may use information when we believe in good faith that it is necessary to protect our rights, protect your safety or the safety of others; and we may respond to any other third party requests with your prior consent to do so.
Third parties may unlawfully intercept or access transmissions or private communications. Therefore, although we employ industry-standard practices to protect your privacy, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, we do not promise, and you should not expect, that your personally identifiable information or private communications will always remain private.
We do not sell, rent, lend or trade any personally identifiable information about you to any third party. The following paragraphs describe some of the ways that personally identifiable information about you may be disclosed to third parties.
We cooperate with law enforcement and other third parties to enforce laws, intellectual property rights and other rights. Therefore, local, state, federal, territorial, provincial and international law enforcement can request and may receive your personally identifiable information. By your use of the Website, you hereby accept these terms and you authorize us to disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, intellectual property infringements or other activity that is illegal or may expose us to legal liability.
We reserve the right to transfer personally identifiable information as part of a sale or transfer of all or a relevant portion of our business or assets. Any such sale would be subject to appropriate privacy protections for you. You will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your personally identifiable information, as well as any choices you may have regarding your personally identifiable information.
Suppliers and Other Service Providers
We may use third-party suppliers and service providers to facilitate provision of our Services. For example, we may outsource the operations of one or more aspects of our Website to a supplier or service provider who performs services according to our requirements. In all cases, we restrict how these suppliers and other service providers may access, use and disclose information received from our Website. We do not permit these suppliers and other service providers to access information about you, other than that information necessary for them to complete the services for which they are contracted. Under no circumstances do we allow them to disclose, sell, rent, lend, trade or in any other way transmit data about you to third parties, and we use contractual means to require them to provide appropriate protection for your personally identifiable information and to use it only for the services for which they are contracted.
We use industry standard methods, such as firewalls and Secure Socket Layers (SSL), to safeguard the confidentiality of personally identifiable information about you. For registered users, personally identifiable information will include name, address, contact information, social security number, date of birth and student loan information related to the Services we provide to registered users. Using SSL means that data such as names and passwords cannot be easily deciphered by outside users. However, "perfect security" does not exist on the Internet.
If you choose to use our referral service to tell a friend about our Website, we will ask you for your friend’s name and email address. You must have the consent of your friend to provide us with this information. We will automatically send your friend a one-time email inviting him or her to visit the website. This email will identify that you asked for it to be sent. Peanut Butter may store this information for the sole purpose of sending this one-time email and tracking the success of our referral program. Your friend may contact us at firstname.lastname@example.org to request that we remove this information from our database.
Social Media Widgets
California Privacy Rights
California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to email@example.com or write us at:
222 W. Merchandise Mart Plaza, Suite 1212
Chicago, IL 60654 USA
Attention: Website Administrator
How to Contact Us
Email comments to:
222 W. Merchandise Mart Plaza, Suite 1212
Chicago, IL 60654 USA
Attention: Website Administrator