Terms and Conditions Index

Privacy Policy
Online Privacy Policy
Independence of Network Organizations

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

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

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.

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.