Modern information and communication technologies play a fundamental role in the activities of an organization like ELM Resources, which is based in Oakland, California.
Our principal activity involves providing automated Federal Family Education Loan Program (FFELP), and private student loan processing, updates, and disbursement services.
Our privacy policy covers ELM Resources and its Web sites:
Accessing Our Web Site: When Access is Anonymous and When We Collect Information About You:
You can access our web site home page and browse our sites without disclosing your personal data.
Student loan borrowers, ELM Members, Affiliates, and other ELM participants (e.g. schools) can access student loan information on our web sites. When viewing student loan information on our sites, cookies are used to verify proper authentication steps have occurred for access to this information. The use of cookies on the site serves no other purpose.
The Services and Links Of Our Web Sites
Depending on whether you are a school, student loan borrower, ELM Member or Affiliate, our Web sites allow you to post information that can be accessed by others.
In addition, our web sites include links to third-party Web sites, like those for ELM Members, Affiliates and participating Schools. This Privacy Statement does not govern third-party web sites even though ELM may provide links to those sites. ELM is not responsible for web privacy practices or content of those sites.
Collection and Use of Data
We collect student loan information provided to us through our on-line services.
We also collect student loan information through direct interfaces with parties such as ELM Members, Affiliates, and Schools.
When we collect student loan information, we do so to:
facilitate collection and exchange of information about student loans and underlying borrower information by and among schools, ELM Members and Affiliates, and other lenders and guarantors participating in the ELM process
provide student loan borrowers with access to an aggregated view of their student loan accounts
We do not use or share the student loan information we collect - including underlying borrower information - for any other purpose.
Children's Privacy
Because of the financial nature of the ELM process, our web sites are not designed to appeal or apply to children under age 13. Therefore, we do not knowingly attempt to solicit or receive any information from this age group.
Disclosure
We disclose the student loan information we collect to schools, student loan borrowers, ELM Members and Affiliates, our service providers (such as our service bureau administrator), and other lenders, guarantors, and entities participating in the ELM process.
We also may disclose student loan information as permitted or required by law (e.g., in response to a subpoena). However, we ensure that student loan information will not be disclosed to governmental authorities except as required by law or other regulation.
We do not share student loan information with outside companies for their promotional use or for any other purpose not described in this notice.
Confidentiality / Security
We require that a secure transmission method is used to send us the following types of student loan information:
primary borrower data (such as name and contact details)
borrower identifiers (such as a social security number)
loan information (e.g. loan amount, disbursement date)
We have implemented security policies, rules and technical measures to protect the student loan information under our control from:
unauthorized access
improper use or disclosure
unauthorized modification
unlawful destruction or accidental loss
All our employees and service providers who have access to, and are associated with the processing of student loan information are obliged to respect the confidentiality of the student loan data we collect and maintain.
We ensure that student loan information will not be disclosed to governmental authorities except if required by law or other regulation.
Access To the Personal Data We May Hold About You
We will provide student loan borrowers with a readable copy of the personal data we maintain almost instantaneously on-line, but we may require proof of identity. This information is provided free of charge.
Providing Various Ways To Contact Us About Our Online Privacy Practices
We welcome your questions and/or comments about our on-line privacy policy, information practices and other aspects of privacy on our Web sites. You may contact us at our privacy email address at privacy@elmresources.com or by writing to us at the address for ELM Resources, located near the top of this page.