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We'd like you to know about our privacy policies and practices, and how we
protect your personal information. The privacy policies on this web site apply
to users who are located in the U.S. when visiting our web sites. The policies
are subject to change from time to time, so be sure to check back occasionally
to ensure you have read the most current version.
To the extent our policies differ for different products and services on a
particular web site, those differences will be detailed on that web site.
Please read our privacy policies below.
Firstmark Services Privacy Policy - Online Information
This Policy tells you how we collect and use information from our online
customers and visitors.
Firstmark Services Privacy Policy - Consumer Information
This Policy explains our collection and use practices regarding consumer
information, including how and what we share with our related companies and
with unrelated entities.
Firstmark Services Privacy Policy - Online Information
We at Firstmark Services are committed to providing you a useful and enjoyable
online experience, and to protecting your personal information during your
visit. When you access a Firstmark Services web site, you can be sure that your
information is protected by the latest security and authentication techniques.
We may collect information from your visit, in order to personalize and improve
upon your experience with us, but all information we collect is treated as
confidential. To access student loan account information and send emails via
our web site, you will need a browser that supports the use of Secure Sockets
Layer (Netscape 4.0 or greater, MS Internet Explorer 5.0 or greater, etc). This
encryption technology helps ensure the authenticity of your online sessions and
secures data being transmitted over the public Internet.
If you are using Netscape Navigator, your session is secured if a key appears
in the lower left corner of your screen; when the session is not secure, the
key will appear broken. Internet Explorer displays a lock icon in a locked
position on the status bar when you enter a secure site. When you leave a
secure web site, Internet Explorer displays a lock icon in an unlocked position
on the status bar. If the page you are viewing uses frames, you may not see the
key or lock, but can simply right-click anywhere in the frame and select
"Properties". If the web site address (URL) starts with "https" the "s"
indicates a secure site or area of the site.
When you enter a Firstmark Services web site, you will pass through our
security "firewall" and we identify the Internet Protocol (IP) address of your
computer or handheld device. The IP address won't identify you personally, but
it will let us identify the device you're using and we store IP addresses in
case we need to track a connection for security purposes.
Firstmark Services web sites use cookies in several applications for
navigational purposes. A cookie is a small text file placed on your hard drive
(with your permission) by a web page server. Accepting a cookie from a
Firstmark Services web site does not give Firstmark Services access to your
computer or any personal information about you. Also, the type of cookies we
use don't get stored permanently in your computer - they expire immediately
after you close your browser and are deleted. You can also set up your web
browser to inform you when cookies are set or to prevent cookies from being
set.
We don't knowingly collect, maintain or use personal information from our web
sites about children under age 13. If we find out we have collected such
information we will take all reasonable measures to delete that information
from our system as soon as possible. We are not responsible for the collection
and use of information by companies or individuals unaffiliated with us whose
web sites may contain links to ours.
Firstmark Services Privacy Policy - Consumer Information
Introduction | Why We Collect
Information | What We Collect |
What We Share | Security
Introduction
This Policy explains our collection and use practices regarding consumer
information, including how and what we share with our related companies and
with unrelated entities. Protecting your privacy is important to the Firstmark
Services and our employees. We want you to understand what information we
collect and how we use it. This Policy is the standard for Firstmark Services
employees regarding collection, use, retention, and security of nonpublic
personal information. If you pay off your loan(s) we will continue to adhere to
the privacy policies and practices described in this notice.
Please note that since Firstmark Services services, but does not own, your
student loan, your lender's privacy policy primarily applies with respect to
use of your personal information, and you should review that policy as well.
Firstmark Services complies with the privacy policies of our lender clients.
The information in this Policy applies to individuals only, and we may change
the policies from time to time. The effective date of this Policy is January 1,
2003.
Why We Collect Information
We collect information so we can identify you as our customer, to establish,
manage and protect your accounts, to complete your transactions, to create and
offer you products and services you might be interested in, and to comply with
various legal and regulatory requirements.
What We Collect
We may collect "nonpublic personal information" about you from the following
sources:
* Information from your loan applications or other loan and account forms.
* Information about your transactions with us or others; and
* Information we receive from third parties, such as credit bureaus.
"Nonpublic personal information" is nonpublic information about you that we
obtain in connection with providing a financial product or service to you. For
example, nonpublic personal information includes information regarding your
account balance, payment history, and overdraft history, if applicable.
We may collect "personally identifiable information" about you as well,
including:
* your first and last name
* your home address
* your home or work telephone number
* your Social Security Number
* your driver’s license number
* your birth date
* your email address
"Personally identifiable information" is individually identifiable information
about an individual consumer collected by the operator of a website and
maintained in an accessible form.
If you supply us with your email address we may let you know by email about
other products and services and product enhancements that may be of interest to
you. You will have the opportunity to tell us you don't want to receive future
messages with each message you receive. If you send us an email question or
comment, we will use your email address to reply to you and we will temporarily
store your email address, your message and our reply for quality assurance or
to satisfy applicable laws and regulations. When we collect your email address
this way, we won't use it for marketing our products and services unless you
have given us permission. If you are not comfortable that your email system is
secure, you can always contact Customer Service by telephone.
If you wish to change any of your personal information, you may change it
through the web site, or by contacting Customer Service, either though email,
by mail, or by telephone.
What We Share
We are permitted under law to disclose nonpublic personal information about you
to other third parties in certain circumstances. For example, we may disclose
nonpublic personal information about you to third parties to assist us in
servicing your loan or account with us, to government entities in response to
subpoenas, and to credit bureaus. We do not disclose any nonpublic personal
information about you except as permitted by law.
If you pay your loan in full or become an inactive customer, we will continue
to adhere to the privacy policies and practices described in this notice.
VERMONT RESIDENTS: We will not disclose nonpublic personal financial
information about you other than as permitted by law unless you authorize us to
make that disclosure. Your authorization must be in writing or, if you agree,
in electronic form. If you wish to authorize us to disclose your nonpublic
personal financial information to nonaffiliated third parties, you may notify
us at the address found on the privacy policy you received by mail that is used
for non-Vermont residents to Opt Out.
Other Situations
Sometimes the law or other circumstances also require that we disclose
nonpublic personal information about you to nonaffiliated third parties. Some
examples are: when you ask or permit us to do so; when a guaranty agency,
school or the Department of Education need that information in connection with
your account, with agencies that assist us in servicing your loan; in response
to subpoenas or court orders; with credit bureaus; or when we suspect fraud or
criminal activity.
Our Security Procedures
Firstmark Services takes careful steps to safeguard customer information. We
restrict access to your personal and account information to those employees who
need to know that information to provide products or services to you, and we
regularly train our employees on privacy, information security, and their
obligation to protect your information. We maintain physical, electronic, and
procedural safeguards that comply with federal and industry standards to guard
your personal information and we regularly test those safeguards to maintain
the appropriate levels of protection.
Our Information Security divisions continually update and improve the security
standards and procedures we use to help protect against anyone gaining
unauthorized access to your confidential information, including through the
Internet. We also build checks and balances into our procedures so that we can
properly identify our customers.
You can help safeguard your personal information by taking a few simple
precautions. Protect your account numbers, passwords, PIN's, and customer
access numbers. Never disclose confidential information to unknown callers. You
should always use a secure browser and current virus detection software, and
never open e-mail from unknown sources.
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