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Our Privacy Commitment
KHESLC is 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.) KHESLC has
protect individually identifying account and personal information of
visitors to www.kheslc.com.
KHESLC’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 KHESLC
understand which parts of the website are most popular, where visitors
are going, and how long they spend there.
Users browse KHESLC’s website anonymously, and
personal information is not collected. KHESLC gathers
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 KHESLC analyzes 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.
KHESLC has 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 KHESLC’s mission.
Data sent to KHESLC by users is collected using Secure
Socket Layer (SSL) technology to ensure only KHESLC
receives the information sent by the user. Special software programs monitor
traffic on KHESLC’s website to identify unauthorized
attempts to upload or change information or cause damage to KHESLC’s website. These programs do not collect personally
identifying information about you, but they do collect information that
enables KHESLC to identify someone attempting to tamper
with its website.
Children’s Online Privacy Protection Rule
KHESLC does not knowingly obtain information from children
under age 13. KHESLC 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 KHESLC Collects About You From Other Sources
KHESLC collects only the information needed to give
its users the utmost quality service. KHESLC collects
a limited amount of information about you not available publicly—"nonpublic
personal information.” This information is collected, either directly
or indirectly, so KHESLC may deliver financial services
you have requested. KHESLC is required by federal and
state law to collect some information for purposes of processing applications
for student financial aid.
KHESLC collects information about applicant account
balances, amounts borrowed, and payment history to monitor an applicant’s
overall account relationship with KHESLC. It may be
necessary to collect other facts concerning your financial aid usage.
KHESLC collects financial information about you from consumer
reporting agencies to process loan applications, monitor your account relationship,
and collect outstanding loans.
KHESLC collects information, such as your name, mailing
address, e-mail address, and telephone number, to send you information
or contact you about your accounts.
KHESLC collects 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.
KHESLC receives 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 KHESLC 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 KHESLC, or providing
Information Sharing and Selling
KHESLC does not sell any information about you to non-affiliated
Disclosure of information about you may be necessary in the delivery
of KHESLC’s services to users in the following
- When KHESLC is required by local,
state, federal, or international law to disclose
- When KHESLC needs 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
- When users have authorized the disclosure of such
KHESLC requires disclosure of Social Security numbers to report the status of and to collect your account if your loan is serviced by KHEAA, to report to the Internal Revenue Service the interest you have paid on your student loan, and to report student aid information to the USDE National Student Loan Data System.
USDE requires disclosure of individuals' Social Security numbers on applications and other student aid documents.
Sending an E-mail to KHESLC
KHESLC will respond to e-mails containing suggestions,
concerns, and comments by using the same e-mail address provided to KHESLC. KHESLC will not sell or forward
your address to any non-affiliated third parties without your permission.
KHESLC will use e-mail addresses only for the purpose
of sending KHESLC materials. You can always opt out
of receiving future e-mails from KHESLC.
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. KHESLC 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 KHESLC if you receive any such e-mail purporting
to be from KHESLC.
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, email@example.com, and telephone hotline, 1-800-MISUSED,
have also been established to report cases or suspicion of identity theft.
KHESLC reserves the right, at its discretion, to change,
use of KHESLC’s website following any changes
KHESLC is required to act in compliance with policies,
rules, and statutes that govern the programs cited herein. Notwithstanding
any information contained in KHESLC’s website,
such policies, rules and statutes shall control.
Any questions, concerns, or requests for additional information concerning
- By e-mail to firstname.lastname@example.org
- By phone at 1-800-928-8926
- By mail to KHESLC Website Information,
Attn: Legal Department, P.O. Box 24266, Louisville, KY 40224-0266