Privacy Policy

Peanut Butter Inc

Privacy Policy

Last updated: June 28, 2024

This Privacy Policy applies to the websites,, and (collectively, the “Website”). The Website is owned and operated by Peanut Butter, Inc. (“Peanut Butter”, “we”, “ours”, or “us”). This Privacy Policy describes how Peanut Butter collects and uses the personal information you provide on our Website. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information. By voluntarily providing information or by accessing our Website, you consent to the collection, use and disclosure of your personally identifiable information in accordance with this Privacy Policy and our Terms of Use.

Peanut Butter helps employers, companies, and organizations (each a “Client”) provide a unique student loan benefit. Clients turn to Peanut Butter to provide information and decision support tools to manage their employees’, customers’, residents’, and affiliated individuals’ (each a “Client Individual”) 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 its Clients reduce employee turnover, attract talent, and become a workplace of choice. To the employees, customers, residents, and affiliated individuals of our Clients, Peanut Butter is an administrative service provider of a benefit offered by their employer, vendor, agency, or organization (each a “Plan Sponsor”). In order for Peanut Butter to provide these services (“Services”) to our Clients and Client Individuals, Peanut Butter must collect certain personal information regarding the Client Individual.

Protecting the privacy of users of Peanut Butter Services is important to us. We make use of any personal information you provide to us only for the purposes outlined in this Privacy Policy.

This policy does not apply to any information that you may provide directly to third parties including via third-party sites linked to the website or Peanut Butter’s service websites: and

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 Plan Sponsor 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 Plan Sponsor, 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 Plan Sponsor, 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.

In addition, we use cookies on certain pages of our Website. We may also offer certain features that are only available through the use of a cookie. Cookies enable you to enter your password less frequently during a session. Cookies can also help us provide you information that is targeted to your interests. Cookies are stored on your hard drive, not on our Website. Many cookies are “session cookies,” meaning they are automatically deleted at the end of a session. We also use persistent cookies. A persistent cookie remains on your hard drive for an extended period of time and remembers your preferences. You are always free to decline our cookies if your browser permits, although in that case, you may not be able to use certain features on our Website, and you may be required to reenter your password more frequently during a session.

The use of cookies by our affiliates, tracking utility company, and service providers is not covered by our Privacy Policy. We do not have access or control over these cookies. Our affiliates, tracking utility company, and service providers use session ID cookies to make it easier for you to navigate our Website.

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 our Client the features of our Services. We may use this information to communicate with you and our Client, 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 our Client 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

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 our Client requires that we maintain. If you have any questions about reviewing, modifying or deleting your account information, you can contact us directly at

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 We will respond to your inquiries about your personal information within 30 days. 

Children’s Privacy

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.

Legal Requests

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.

Business Transactions

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 the 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 to request that we remove this information from our database. 

Social Media Widgets

Our website includes social media features, such as the Facebook button, and widgets, such as the ShareThis button, or interactive mini-programs that run on our Website. These features may collect your IP address, which page you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the company providing it. 

External Websites

The Website may contain links to third-party web sites. Peanut Butter has no control over the privacy practices or the content of any of our business affiliates, advertisers, sponsors, or other web sites to which we provide links from the Website. As such, Peanut Butter is not responsible for the content or the privacy policies of web sites to which our Website may link. You should check the applicable Privacy Policy of the web site sponsor when visiting any other web sites.

Changes in this Privacy Policy

Peanut Butter may, in its sole discretion, modify or update this Privacy Policy from time to time, and so you should review this page periodically. When we change the Privacy Policy in a material manner, we will update the ‘last modified’ date at the top of this Privacy Policy. Your continued use of the Website or the Services after any such change constitutes your acceptance of the new Privacy Policy. If you do not agree to any of these terms or any future Privacy Policy, do not use or access (or continue to access) the Website or the Services.

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.

How to Contact Us

You can contact us about these Terms of Use by writing or email us at the address below:

    • Email:
    • Phone:, (800) 913-6651, press 1 for Participant Support
    • Mail: Peanut Butter Attn: Website Administrator, 1 Seneca Street, Floor 24, Buffalo, NY 14203