Capitalized terms here defined in the Terms of Service, which is hereby incorporated by reference:

Our Core Principles

College Abacus and the website is owned by Educational Credit Management Corporation (for more information, please visit We are committed to preserving, protecting and respecting the privacy and security of your personal information and data. While this privacy policy is specific about how we collect and use your confirmation, we have the following core principles by which we will abide. Even as the details in the rest of this privacy policy may change, these core principles will remain constant.

Your information on the Service belongs to you.

We will help you to control your information.

We will tell you what we do with your information.

We will never spam you or abuse your information.

This policy explains when and how such personal information is collected, used and safeguarded. This policy covers the College Abacus website, and all online forms on this website used to collect personal information. First let’s identify the types of information that we “see.” Then we will detail how we get it, what we do with it, and how you can control it.

Information You Provide Us

When you enter information on the College Abacus website, you provide us information to access the Services, including name, age or date of birth, state of residence, demographic information, marital status, dependents and income detail (“Registration Data”). You agree that we may communicate with you regarding College Abacus to provide you the Services, alerts and newsletters. You may adjust your communication preferences at any time, for any reason, by following the instructions on the 'My Abacus' page.

When you use the College Abacus calculator to generate an estimate, you provide us information that we need in order to generate such estimate, such as your age, areas of interest, and income and other financial information (“Estimate Data”). We use this information to provide you the estimate and for internally improving the Service. If you are a Registered User, we store your Estimate Data with your account. If you are a Guest, we store and use your Estimate Data anonymously and in aggregate form only, unless you sign up as a Registered User within the same session, in which case we will associate such Estimate Data with your account. If you choose to upload your IRS tax forms for purposes of generating an estimate, we will cull information from the PDF. We do not pull or use the Social Security number. Once the income information is retrieved from the IRS form, we destroy the PDF so it is no longer available to us nor is it accessible by others.

When you request information from us, we may ask you to provide personal information to verify that you are a person to whom such information can be provided.

If you correspond with us, we may retain the content of your messages, your email address and our responses.

If you invite a friend to try College Abacus through our Service, we will use that friend's email address for the sole purpose of sending your invitation. We may temporarily maintain a log of this information for trouble shooting and fraud-prevention purposes.

You may allow a social networking site to share information with us. Some social networking sites will facilitate your registration or log-in for our website or enhance or personalize your experience on our website. Your decision to use a social networking site will always be voluntary. Please make sure you are comfortable with the information social networking services may make available to our website by visiting those services’ privacy policies and terms of use.

You may choose to:

Not provide personal information, although that may result in your inability to obtain certain Services or to use certain features of our website;

Delete or decline cookies by changing your browser settings, although if you do so, some of the features of our website and Services may not function properly; and

Review and update your personal information by contacting us at the address information below or, if you are a Registered User, by logging into that account.

Information That We Collect When You Use the Service

When you use the Service (such as this website), we use cookies, web beacons, pixels or similar technologies, to collect non-personally-identifiable information, including IP address, time and frequency of your usage, browser type, device agent information, etc. Any information we gather this way may be used:

To analyze and improve our Services, diagnose problems, maintain security, etc.

To remember information so that you will not have to re-enter it during your visit, and provide you with personalized content and information.

For security and monitoring purposes.

To fulfill your specific request.

Our primary goal in collecting the information described above is to provide you with a customized experience on our website. By knowing a little bit about each Lifesaver, Registered User and Guest, we are able to deliver better Service and more relevant content to our website visitors.

Emails and other electronic communications we send you may contain pixel tags or web beacons that enable us to track your use of such communication.

We cannot personally identify you with this information alone, but if you log into your College Abacus account, we may associate this information with your account and personally identify you in order to provide you better service.


A “cookie” is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. We may use cookies to track general, non-personal information about our users (e.g. pages viewed, time spent our website, and the websites visited just before and just after our website) for statistical and market research purposes. The information is collected on an aggregated and anonymous basis.

We use cookies to gather information about our website visitors’ browser activities to improve our website and better serve our website visitors. We may use standard Internet tools, which collect information that tracks your use of our website and enables us to customize our services. This information assists us to design and arrange our web pages in a most user-friendly manner and to improve our website to better meet the needs of our website visitors.

You can set your web browser to refuse all cookies; however, disabling cookies may affect your ability to use the Services.

How We Use and Share Your Information

We use the information you provide so that we may provide you with information that you requested or that we believe will be beneficial to you. We may use your information to customize the content you see on our website, facilitate your use of our website, manage your account and your preferences, analyze use of and improve our website and Services, identify and protect against fraudulent transactions and other misuses of our website and enforce our Terms of Service.

Personally Identifiable Information may be disclosed as follows:

At your request and with your authorization

If we are required to do so (a) by law or subpoena or in the good faith belief that such action is necessary to conform to the requirements of the law or comply with and respond to legal process served on us; (b) to enforce our Terms of Service and policies; (c) to exercise or protect the rights, property, or safety of College Abacus, our users or others; or (d) to law enforcement authorities in limited circumstances, such as preventing fraud and identity theft, protecting the safety of our users and complying with legal requirements

Store information in physical locations outside the direct control of College Abacus (for instance, on servers or databases co-located with hosting providers)

To third parties who have contracted with College Abacus to provide services to College Abacus solely for the purpose of providing Services to you, in compliance with this privacy policy

To College Abacus’ parent companies and subsidiaries in compliance with this privacy policy

If College Abacus is acquired as a business or its assets are sold, as is typical when a business is acquired or merged.

Your information will not be sold, distributed or disclosed to any other organization or entity without your consent or as is necessary to effectuate the transaction for which the information was provided to College Abacus.

Links to External Servers and Other Web Sites and Services

When you link to or interact with the External Servers, or other websites or services, our Privacy Policy no longer applies and you are subject to that website's or service’s own rules and policies. Please read over those rules and policies so you understand how they treat your information.

This Privacy Policy does not apply to other entities that we do not own or control or persons that are not our employees, agents or within our control. Please be advised that this website may contain certain hyperlinks to other websites. Although these websites may have privacy policies, all of these websites and their privacy policies are independent of our website and this policy. We are not responsible for compliance with other websites’ privacy policies or data collection practices. You should review their privacy policies carefully before providing personal information to those websites. If you link to other websites, view aspects of our Service on third party services (e.g., LinkedIn, Twitter, Google+, Facebook page, wordpress for our blog) please review the terms of service and privacy policies posted at those sites.

Information Others May Collect

We do not allow third-party advertising companies or ad networks to display advertisements on our website. We DO NOT provide any Personal Information to unauthorized third parties.

How We Protect Your Information

We employ well-established security measures to safeguard our systems and your information. However, we cannot control all the individuals and activities on the internet and elsewhere, and therefore cannot guarantee that such information will never be compromised. When users submit personal information via the website, the information is housed in a secure database. To prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of information, we have put in place physical, administrative, technological and other security measures to safeguard and secure the personal information we maintain from unauthorized access, alteration, use or disclosure. We use industry-standard technology, such as firewalls, in an effort to protect the confidentiality of your personal information. Moreover, only employees who need the information to perform their duties are granted access to personal information.

Do Not Track Signals

Some web browsers may transmit “do-not-track” signals to websites and other online services. We do not currently respond to or otherwise take any action with regard to Do Not Track requests.

No Guarantees

While this policy states our standards for maintenance of personal information, and we will make efforts to meet them, we are not in a position to guarantee these standards. There may be factors beyond our control that may result in disclosure of personal information. As a consequence, we disclaim any warranties or representations relating to maintenance or nondisclosure of any personal information collected from website users, guests or visitors.

Protection of Children's Privacy

We understand the importance of protecting children’s privacy, particularly in an online environment. This website is not designed to attract children under the age of thirteen (13). It is our policy to never knowingly collect or maintain personal information about any person under the age of thirteen (13).

Notification Procedures

It is our policy to provide notifications, whether such notifications are required by law or other business related purposes, to you via email notice or through conspicuous posting of such notice on our web page, as determined by College Abacus in its sole discretion. We reserve the right to determine the form and means of providing notifications to you.

U.S. Based Service

Our center of operation is in the United States. Your data is held in the United States. As such, all data is held in accordance with United States laws and procedures which differ from those in other regions of the world, such as the European Union. By using this service, you acknowledge that you understand and agree to these data policies.

Changes to Our Privacy Policy

From time-to-time, we may update our Privacy Policy to reflect changes in our practices and services. If we make material changes in what information we collect, how we use it and under what circumstances we may disclose it, we will notify you by prominently posting notice of the changes on this page. Changes to this Privacy Policy are effective when they are posted on this page.

Questions regarding this policy and our practice should be directed to Educational Credit Management Corporation, Attn: Corporate Compliance by e-mail at

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