Since the policies may change, please visit this site from time to time to review the policies for updates.
If you have questions or concerns about the privacy of your information, please call us.
MOHELA Online Privacy Policy and Website Security
Effective Date: October 20, 2024
The Higher Education Loan Authority of the State of Missouri (“MOHELA”) understands that its customers are concerned about the use and protection of their personal information. This policy describes our practices concerning the collection, use and disclosure of information gathered from or about the visitors to this website.
Please note that this Privacy Policy does not apply to information we may collect from sources other than this website, including, for example, information that you submit to us through email or offline.
PLEASE REVIEW THIS PRIVACY POLICY CAREFULLY. When you submit information to or through the website, you consent to the collection and processing of your information as described in this Privacy Policy. By accessing or using the website, you accept the terms of this Privacy Policy and our Website Terms and Conditions of Use, and you consent to our collection, use, and disclosure of information as described in this Privacy Policy.
IF YOU DO NOT AGREE WITH ANY PART OF THIS PRIVACY POLICY OR OUR WEBSITE TERMS AND CONDITIONS OF USE, THEN PLEASE DO NOT ACCESS OR USE ANY PART OF THE WEBSITE.
Security Information
MOHELA takes security and privacy very seriously. We realize that your data is valuable and we take reasonable steps to protect that data. We maintain commercially reasonable administrative, technical, and physical safeguards (including secure disposal methods with data retention no longer than necessary to fulfill the stated purposes) designed to protect your personal information against loss or unauthorized access.
Click here to view more information about our security practices.
Notwithstanding our security practices or anything else in this Privacy Policy or on the website, information transmitted on the internet and/or stored on systems attached to the internet such as ours is not 100% secure. As a result, we do not ensure, warrant or guarantee the security or integrity of such information. We will not be responsible for disclosure or misuse of any information due to errors in transmission or the unauthorized acts of third parties.
Information Collected When You Visit This Site
We collect information that you provide to us and information we derive from your use of the website. The information that we collect and how we process it depends on how you use and access the website.
Personal Information: We may collect Personal Information in connection with use of the website. "Personal Information" means information that directly or indirectly identifies an individual or can be used to authenticate an individual. For example, we may collect your name, mailing address, email address, social security number, date of birth and, when you make a payment to us, the last four digits of your payment account.
You can choose not to provide Personal Information to us. However, if you do not provide certain minimal information, you will not be able to create an account so your ability to use the website may be significantly limited.
Usage Data: We also automatically collect information about an individual's online activity that, by itself, does not identify the individual, such as the Internet Protocol (IP) address of your computer or handheld device, your browser type and operating system, web pages visited on and other information about your use of this website (e.g., the date and time when you log-in to or log-out of your account or otherwise visit certain pages on our website) (collectively, “Usage Data”). We collect IP addresses in case we need to track a connection to this website for security purposes. We may also collect IP addresses and other types of Usage Data to help us improve and resolve issues with the website and to understand how our website is used (e.g., the number of users, when the website is visited, the websites that users view before visiting our website).
Generally, we do not consider Usage Data as Personal Information because Usage Data by itself usually does not identify an individual. However, some forms of Usage Data may be considered to be Personal Information under applicable law, and we may treat Usage Data as Personal Data if we have combined the Usage Data with Personal Data.
We collect Personal Information and/or Usage Data:
When you create an account on our website
When you contact us for help, support or information
When you use or interact with the website
When you provide it to us voluntarily
Cookies
We and service providers that help us to provide the website use cookies. "Cookies" are small text files sent to, or accessed from, your web browser or your computer’s or other device’s storage that contain or store information about your computer or device, such as a user ID, user settings and information (e.g., user name, password and security questions and answers), and activities conducted while using the website. Cookies are not themselves personally identifiable, but may be linked to Personal Information that you provide to us through your interaction with the website.
This site uses Cookies to make your navigation with our site quicker and simpler.
Web browsers allow some control of most Cookies through the browser settings. If you would prefer not to accept Cookies, you can modify the settings on your specific web browser. You may refer to your browser's online help feature or the user's manual for instructions on how to control Cookies. Some web browsers (including some mobile web browsers) provide a private or in cognito mode that clears browser storage including Cookies after use or alert a user when a Cookie is placed on the user's computer, tablet or mobile device. Most mobile devices also offer settings to reject mobile device identifiers. Your experience on the website may change if you do not accept the cookies (e.g., you may not be able to save your user name and password).
How Information Is Used And Disclosed
You agree that we may use your Personal Information and Usage Data for the purpose(s) for which it was collected, to operate, improve, and/or personalize the website, and for the other purposes described in this Privacy Policy. Without limiting the foregoing, you agree that we may use your Personal Information and Usage Data as follows:
To help us run and maintain our website, customize your experience, study traffic patterns, and generally learn about the usage of the website
To provide use of and access to the website
To customize the website
To provide services requested by you
To provide support
To prevent, detect, and investigate fraud, security breaches, prohibited, illegal or other activities that may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users of our website, or anyone else who could be harmed by such activities
To comply with any court order or request of a governmental agency and when we reasonably believe that the law requires it
To enforce our Website Terms and Conditions of Use, Privacy Policy, or other applicable policies
To respond to emails, to send notifications, to establish your account, and to communicate with you about the website and our services
For purposes of billing and other account administration
We may provide your Personal Information to our affiliates or third parties who provide services to us and who agree to treat such information in a manner consistent with this Privacy Policy. Those third parties may provide a variety of services to us, including, without limitation, sending emails on our behalf and assisting users with their user accounts on our website (e.g., by sending communications to assist users when resetting passwords for their user accounts)
MOHELA may disclose Personal Information and Usage Data with third parties as it considers it necessary to comply with a legal requirement, and in investigating fraudulent activity or the misuse of this site, security breaches, potentially prohibited or illegal activities and activities that may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users of our website, or anyone else who could be harmed by such activities. For example, we may share your Personal Information and Usage Data with governmental regulators and other entities and individuals in order for them to investigate fraudulent activity on the website.
We may disclose and/or transfer information about you, including your Personal Information, to the owner of your loan and other entities that are or will be servicing or providing other services in connection with any of your loans (e.g., if your loan is transferred to another entity).
External Links
This website may contain connections or hyperlinks to websites operated by third parties. MOHELA does not control these other websites and is not responsible for them, including their availability, content and security. MOHELA's inclusion of any connection, hyperlink or mention of a third party on the MOHELA website does not imply any endorsement of any third party or materials and information provided by them.
If you decide to visit a Third Party website, you are subject to its privacy policy and practices and not this Privacy Policy. We encourage you to carefully review the legal and privacy notices of all other digital services that you visit. We are not responsible for any actions or policies of such parties.
Updating Your Information
If at any time you would like to access, modify, or delete Personal Information that we have collected about you, please access your user account on the website. You may use that account to access, modify and/or delete certain Personal Information (but the account may not contain all of the Personal Information that we have collected about you, and there is certain Personal Information that you will be unable to modify or delete). Please note that, depending on the types of loans that you have, (1) you may need to separately modify your information in connection with your different loans if you want to modify information for multiple loans, and (2) you may be required to modify your information so that the information for certain types of loans is the same as the information for other types of loans.
Children's Online Privacy Protection Act
This website is intended for a general audience. MOHELA does not intend to collect information from children under 13 years of age. If we learn that we have inadvertently collected Personal Information from a child under the age of 13, we will take all reasonable steps to ensure that this information is deleted from our files.
Privacy Policy Changes
The Effective Date of this Privacy Policy is set forth at the top of this document.
Our Privacy Policy is subject to change at any time. Any changes will be posted here and the policy is effective when it is posted.
The most current version of this Privacy Policy can be reviewed by clicking on the "Privacy" link located at the bottom of our web pages.
Your continued access to and/or use of the website after MOHELA posts any revised Privacy Policy constitutes your agreement to any such revised Privacy Policy.
Contacting MOHELA
If you have any questions about this Privacy Policy, please contact MOHELA at:
MOHELA
Attn: Legal Department
633 Spirit Drive
Chesterfield, MO 63005