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Privacy Notice
NOTICE OF PRIVACY POLICIES
OF THE
NHHEAF NETWORK ORGANIZATIONS
Granite State Management & Resources
New Hampshire Higher Education Assistance
Foundation
New Hampshire Higher Education Loan Corporation
Introduction
Protecting the privacy of your personal and financial information is a serious
concern for the organizations of the NHHEAF Network ("Network") and our employees.
We respect your right to privacy and recognize our obligation to keep information
about you secure and confidential. We want you to feel confident that we will
protect the privacy of your personal and financial information.
The Network will provide its customers with its current privacy notice annually.
In the event the Privacy Policies are modified, notification will be made to
all customers who may be affected by those changes. When we use the term "nonpublic
personal information" in this Notice, we mean information about you that identifies
you, and that is not available from public sources. The effective date of this
Privacy policy is July 1, 2001.
NHHEAF Network's Privacy Policy
1. We collect nonpublic personal information about you from the following sources:
- Information we receive from you on loan applications, promissory notes,
correspondence, communications, and other forms, such as your name, address,
e-mail address, telephone number, social security number, assets, liabilities,
and income;
- Information we receive about your transactions with us, our affiliates,
your lender(s), the U.S. Department of Education, and others, such as your
account balance, payment history, parties to transactions and account usage;
- Information received from schools you attend or formerly attended, or
to which you have applied for admission, such as your, academic status
and progress;
- Information received from credit reporting agencies, such as your creditworthiness,
credit history, and credit score;
2. We do not disclose any nonpublic personal information about our current
or former customers to anyone, except as permitted by law. Examples of legally
permitted disclosures include, without limitation,
- Disclosures made at your request or with your consent,
a) Maintaining, or servicing your loan;
b) Selling all or part of our rights in your loan to another party;
c) Using your loan as collateral for money that we borrow;
d) Enforcing our rights with respect to your loan.
- Disclosures to prevent fraud or to resolve borrower disputes or inquiries;
- Disclosures to your fiduciaries or your legal representatives;
- Disclosures to credit reporting agencies;ˇ Disclosures made in response
to a subpoena or other valid order to produce information;
- Disclosures to our contractors and agents, to schools, lenders, and the
United States Department of Education that are necessary to process your
loan.
3. We restrict access to your nonpublic personal information to our employees,
who need to know the information and our contractors and agents in order to
provide service to you in connection with the administering, servicing, and
collection of your loan account. We maintain physical, electronic, and procedural
safeguards in compliance with Federal and State regulations to safeguard your
nonpublic personal information.
How to Contact Us
If you have any questions or comments about this notice, please contact
us at:
Privacy Group
The NHHEAF Network
4 Barrell Court
Concord, NH 03301
(603)227-5317
Independence of Network Organizations
The New Hampshire Higher Education Assistance Foundation, Granite State
Management & Resources,
and New Hampshire Higher Education Loan Corporation are independent New Hampshire
not-for-profit corporations. To save costs of the preparation and distribution
of this notice and to further their charitable missions, the three corporations
have elected to jointly issue this Notice of Privacy Policies. However, the
three corporations are separate legal entities and are solely and independently
responsible for their respective legal obligations.
ONLINE PRIVACY POLICY
Protecting the privacy of your personal and financial information online
is a serious concern for the organizations of the NHHEAF Network ("Network")
and our employees. We respect your right to privacy and recognize our obligation
to keep information about you secure and confidential. While our Privacy
Policies are the same whether you are online or not, we have taken extra
measures to protect the privacy of your personal and financial information
online.
The NHHEAF Network is committed to protecting the personally identifiable
information of our customers. If you choose to request information from a
Network organization, apply for products or services offered by a Network
organization or apply online for a Stafford, PLUS or TREE Loan, you will
need to give us certain personal information just as you would if you were
communicating with us in person, by mail or by telephone. The Network's Privacy
Policy applies only to consumer transactions (not business transactions).
The Network's Online Privacy Policy applies to all visitors to this web site.
Our Online Privacy Policy provides information on the technical practices
used by this web site. Our Privacy Policy details our policy for collection,
of personal information, use and retention of personal information and our
security measures. Online activity by visitors is subject to both the Policies
of the NHHEAF Network Organizations (as set forth in the Notice of Policies)
and this Online Privacy Policy.
ABOUT COOKIES
NHHELCO's online loan application web sites use cookies to enhance the performance
of our web sites. Cookies are small bits of code stored on your computer hard
drive, which contain your preferences and other information relating to your
use of our web sites. Most are temporary session cookies, which are automatically
deleted from your hard drive once you end your online session. Others are persistent
cookies, which remain on your hard drive to facilitate future interaction with
the site.
Most web browsers can be set to accept cookies, reject cookies, notify you
when a cookie is received, or require permission before accepting cookies.
If you choose to reject cookies, you cannot apply for a loan online through
our web sites.
USAGE TRACKING
The NHHEAF Network tracks user traffic patterns throughout all of our sites.
However, we do not correlate this information with data about individual
users. All information is reported in aggregate form. The NHHEAF Network
does break down overall usage statistics according to a user's domain name,
browser
type, page requests and referring host.
The NHHEAF Network at times tracks and catalogs the search terms that users
enter in our search function, but this tracking is never associated
with individual users. We use tracking information to determine which areas
of
our sites users like and don't like based on traffic to those areas. We do
not
track what individual users read, but rather how well each page performs
overall. This helps us continue to build a better service for you.
E-MAIL
The NHHEAF Network will not send unsolicited e-mail to its visitors. E-mail
will only be sent in response to direct queries, as part of newsletter
subscriptions, as a function of our on-line loan application process or
if you request that information about your loan such as your loan status be
e-mailed to you. E-mail sent to us is not secure. Therefore, we ask that
you
do not
send confidential information such as social security or account numbers
to us via an unsecured e-mail. Such communications should be sent to us via
the
U.S. Postal Service or you may call 1-800-525-2577 or visit us at our office.
LINKS
This web site contains links to other sites. Please be aware that the NHHEAF
Network is not responsible for the privacy policies of other sites.
The NHHEAF Network encourages visitors when they leave the NHHEAF Network to
read and be aware of the privacy policies of these sites. This privacy statement
pertains only to the NHHEAF Network. Other companies may place and access
cookies from their web sites. These third-party cookies are not subject
to our privacy policies, and you should contact these parties directly
to learn about their information collection and usage policies.
CHILDREN
Consistent with the Federal Children's Online Privacy Protection Act of 1998
(COPPA), NHHEAF will not knowingly collect names or any other personally
identifiable information from children. The NHHEAF Network will not knowingly
request personally identifiable information from anyone under the age of
13 without requesting parental consent.
SECURITY
The NHHEAF Network takes the safeguarding of information seriously. We maintain administrative physical and technical controls to safeguard the information in our care.
Access to secure areas of the NHHEAF websites is encrypted using Secure Socket Layers (SSL) technology.
Our employees are granted access to information only as required for job responsibilities. Employees undergo regular training on proper handling of sensitive information.
YOUR CONSENT
By using this web site, you consent to the collection and use of this information
by NHHEAF Network. If we decide to change our Privacy Policies as set
for in the Notice of Policies, we will post those changes on this page so
that you are always aware of what personal information we collect, how we use
it,
and under what circumstances we disclose it.
Copyright
Materials available on NHHEAF Network Online, http://www.nhheaf.org,
are protected by the copyright laws of the United States and other countries. GSM&RŠ 2000-08. All
rights reserved.
When you access NHHEAF Network Online, you agree to the following terms of
use:
- You may retrieve the contents of NHHEAF Network Online for informational
purposes only.
- You may save a local copy or send it to your printer for your own personal
use. However, you may not charge for such use.
- You must include the copyright notice in any copy that you make.
- You may not modify the information found in NHHEAF Network Online without
the express permission of NHHEAF Network.
Linking to NHHEAF Network Online
The NHHEAF Network encourages and appreciates links in your own Web pages
to NHHEAF Network Online. Permission is expressly granted to any
person who wishes to place a link in his or her own Web page to the NHHEAF
Network Online welcome page in its entirety. As a courtesy, if you
link to, or include NHHEAF Network Online in an index, please let us know.
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