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Privacy Information
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privacy statement in PDF*:
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Our Privacy Commitment
The Student Loan People are strongly committed to providing excellent
service, including protecting the privacy of your personal information
from disclosure to unauthorized parties. “Personal information” means
any information by which you can be personally identified and includes,
but is not limited to, your name, address, telephone number, e-mail address,
driver’s license, and Social Security number. (A domain name or
Internet Protocol address is not considered personal information.) The
Student Loan People have adopted and implemented a privacy policy to
protect individually identifying account and personal information of
visitors to www.studentloanpeople.com.
Cookies
The Student Loan People’s website uses “cookie” technology.
Cookies are text a website stores on a user’s computer to monitor
a user’s activity within a specific website. Cookies do not reveal
personal information about the user. Cookies help The Student Loan People
understand which parts of the website are most popular, where visitors
are going, and how long they spend there.
Browsing
Users browse The Student Loan People’s website anonymously, and
personal information is not collected. The Student Loan People gather
and analyze data regarding usage of the website, including domain name,
number of hits to the site, pages visited, and time and length of a user’s
session. The data helps The Student Loan People analyze and upgrade the
content, appearance, and utility of the site and track visitors’ use
of the sites for internal market research or other business purposes.
Data Security
The Student Loan People have implemented numerous security measures
to protect users’ personal information. Only authorized employees
trained in proper handling of user personal information are given access
to the information and only for the purpose of carrying out The Student
Loan People’s mission.
Data sent to The Student Loan People by users is collected using Secure
Socket Layer (SSL) technology to ensure only The Student Loan People
receive the information sent by the user. Special software programs monitor
traffic on The Student Loan People’s website to identify unauthorized
attempts to upload or change information or cause damage to The Student
Loan People’s website. These programs do not collect personally
identifying information about you, but they do collect information that
enables The Student Loan People to identify someone attempting to tamper
with its website.
Children’s Online Privacy Protection Rule
The Student Loan People do not knowingly obtain information from children
under age 13. The Student Loan People will remove from its files any
information collected on a child under age 13 upon request by any parent
or guardian of the child.
Information The Student Loan People Collect About You From Other Sources
The Student Loan People collect only the information needed to give
its users the utmost quality service. The Student Loan People collects
a limited amount of information about you not available publicly—"nonpublic
personal information.” This information is collected, either directly
or indirectly, so The Student Loan People may deliver financial services
you have requested. The Student Loan People are required by federal and
state law to collect some information for purposes of processing applications
for student financial aid.
The Student Loan People collect information about applicant account
balances, amounts borrowed, and payment history to monitor an applicant’s
overall account relationship with The Student Loan People. It may be
necessary to collect other facts concerning your financial aid usage.
The Student Loan People collect financial information about you from consumer
reporting agencies to process loan applications, monitor your account relationship,
and collect outstanding loans.
The Student Loan People collect information, such as your name, mailing
address, e-mail address, and telephone number, to send you information
or contact you about your accounts.
The Student Loan People collect financial information, such as your income,
assets you own, or liabilities you owe, to process your application and determine
the level of student financial aid that can be offered to you.
The Student Loan People receive nonpublic personal information about
you from the following additional sources:
- Promissory notes, applications, correspondence,
communications, or other forms (including the Free
Application for Federal Student Aid).
- Transactions with The Student Loan People or others
(such as your school, guarantor, lenders and holders
of student loans, organizations providing services
to lenders and holders of student loans, the U.S.
Department of Education [USDE], state and federal
officials, their agents, information clearinghouses
that serve the financial aid industry, and any of
the above entity’s agents) or in any manner
authorized by your applications or promissory notes
and applicable law.
- Consumer reporting agencies.
- Individuals or organizations in the course of
processing your student financial aid, disbursing
your student financial aid, servicing your student
financial aid, locating you, collecting or enforcing
a claim of The Student Loan People, or providing
a benefit.
Information Sharing and Selling
The Student Loan People do not sell any information about you to non-affiliated
third parties.
Disclosure of information about you may be necessary in the delivery
of The Student Loan People’s services to users in the following
circumstances:
- When The Student Loan People are required by local,
state, federal, or international law to disclose
user information.
- When The Student Loan People need to provide the
information to its business partners that perform
services for users. These partners are given only
the information needed to perform that particular
service.
- When users have authorized the disclosure of such
information.
The Student Loan People require disclosure of Social Security numbers
by applicants for loans under the Federal Family Education Loan Program
(FFELP) and for state financial aid programs. Social Security numbers
are used to verify applicant identity, determine an applicant’s
eligibility and benefits, permit the servicing of applicant financial
aid, certify attendance and status at an eligible college or university,
locate applicants to prevent unauthorized or fraudulent use of your account,
report to the Internal Revenue Service the interest you have paid on
your student loan, and report student aid information to the USDE National
Student Loan Data System.
USDE requires disclosure of individuals’ Social Security numbers
on applications and other FFELP documents.
Sending an E-mail to The Student Loan People
The Student Loan People will respond to e-mails containing suggestions,
concerns, and comments by using the same e-mail address provided to The
Student Loan People. The Student Loan People will not sell or forward
your address to any non-affiliated third parties without your permission.
The Student Loan People will use e-mail addresses only for the purpose
of sending The Student Loan People materials. You can always opt out
of receiving future e-mails from The Student Loan People.
Internet Scams and Identity Theft Prevention
You should be on the alert for individuals seeking to obtain personal
information through illegitimate means. One such means is commonly referred
to as “phishing.” In a common type of phishing scam, individuals
receive e-mails that appear to come from their financial institution.
The e-mail may look authentic, right down to the use of the institution’s
logo and marketing slogans. The e-mails often describe a situation that
requires immediate attention and then warn the account will be terminated
unless the e-mail recipients verify their account information immediately
by clicking on a provided link. The link will take the e-mail recipient
to a screen that asks for account information. While it may appear to
be a page sponsored by a legitimate financial institution, the information
will actually go to the con artist who sent the e-mail. You should never
respond to such requests. The Student Loan People will never ask you
to verify account information online. Do not be intimidated by e-mails
that warn of dire consequences for not following their instructions.
Please call The Student Loan People if you receive any such e-mail purporting
to be from The Student Loan People.
The USDE Office of the Inspector General (OIG) and Federal Student
Aid (FSA) have opened a new website to combat identity
theft. The website, http://www.ed.gov/misused,
offers tips to prevent and report identity theft. An
e-mail address, oig.hotline@ed.gov, and telephone hotline, 1-800-MISUSED,
have also been established to report cases or suspicion of identity theft.
Disclaimer
The Student Loan People reserve the right, at its discretion, to change,
modify, add, or remove portions of this Privacy Policy at any time. Users
should check this page for any changes to the Privacy Policy. Your continued
use of The Student Loan People’s website following any changes
to this Privacy Policy indicates your acceptance of those changes.
The Student Loan People are required to act in compliance with policies,
rules, and statutes that govern the programs cited herein. Notwithstanding
any information contained in The Student Loan People’s website,
such policies, rules and statutes shall control.
Contact Information
Any questions, concerns, or requests for additional information concerning
The Student Loan People’s website Privacy Policy should be directed:
- By e-mail to legal@kheaa.com
- By phone at 1-800-928-8926
- By mail to The Student Loan People Website Information,
Attn: Legal Department, P.O. Box 24266, Louisville, KY 40224-0266
Updated: 7/15/2008
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