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NHHEAF.ORG 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,
Disclosures to outside companies to perform services for us such as printing payment coupons, preparing or mailing statements, software programming, or marketing our own products.
Disclosures neccesary to effect, administer or enforce your loan, including without limitation, disclosures in connection with:
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;
    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.
    Disclosures to colleges and other educational institutions at which you have applied for admission and for which you request or direct such information should be provided.


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 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, www.nhheaf.org, are protected by the copyright laws of the United States and other countries.  GSM&R 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.
 

Legal Notices

1. No Warranty

The organizations of the NHHEAF Network intend that the materials and information available in this web site shall be as accurate and up-to-date as possible. However, the organizations of the NHHEAF Network do not warrant that the materials or information contained or described on this web site are or will be accurate, complete, current, reliable or suitable for any particular purpose, that your access will be uninterrupted, that the materials or information are free of computer viruses, or that this web site cannot be tampered with by third parties.

2. Right to Modify

The NHHEAF Network reserves the right to change or modify, or even remove, portions of this web site at any time and for any reason and without notice.

3. Disclaimer

This website and all information and materials and materials made available on or accessed through this web site are provided As Is and without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event will the Organizations of the NHHEAF Network be liable to you or to any third party for any damages, including without limitation, direct, indirect, special, incidental, consequential, exemplary damages, lost profits, or lost savings, arising out of the use of, inability to use, accuracy, quality or performance of the web site or any hypertext links in the web site, whether or not the Organizations of the NHHEAF Network have been advised of the possibility of such damages, and whether or not based upon theories of contract, negligence, warranty, strict liability, or other tort, breach or any statutory duty, principles of indemnity or contribution, the failure of any remedy to achieve its essential purpose, or otherwise . If applicable state law is determined to prohibit the application of this exclusion or limitation of incidental or consequential damages to you, in no event shall total liability of the NHHEAF Network Organizations to you, or to any third party, for all damages, losses, and causes of action exceed the amount paid by you to access this web site.