Privacy Policy


PRIVACY POLICY

Policy last updated: April 12, 2018

When you use this website, we may collect certain information that is provided by you to us, that relates to services we provide to you, or that relates to your use of the website. Our services include those offered to both lenders and related businesses, and the individual student loan borrowers and cosigners whose loans we are servicing on behalf of lenders. The privacy policy ("Policy") related to each is described below.

Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you must not use the website or our services. By accessing or using the website and/or services, you agree to the terms of this Policy and the use of the information you provide as described in this Policy. This Policy may change from time to time. Your continued use of any Services after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates. We do not recognize or respond to browser "do-not-track" signals or instructions.

As used in this Policy the words (a) "you", "your" or "User" means any individual who uses the website or services, such individual's agents or representatives, and any cosigner designated on any loan application submitted through the Services, (b) "we", "our" or "us" means ReliaMax Lending Services, LLC, ReliaMax Surety Company, and their affiliates, and (c) "Site" means reliamax.com and any related sites that you access through reliamax.com.

Consumer Borrowers and Cosigners

ReliaMax values its relationship with you. Protecting the privacy of your information is of the greatest importance to us. We are regulated by federal and state laws protecting the confidentiality and security of your information, as well as our use and disclosure of it.

  • ReliaMax treats your personal information with a high level of confidentiality and security.
  • We never sell your information.
  • We only share your information as necessary to provide services to you that you have requested, to your lenders for whom we are providing services, to contact you in connection with your loans, or as otherwise authorized by you.
  • We do not share information with third parties for marketing purposes.
Information we collect from you

We collect (a) information regarding your use of this website and (b) information you provide to us when you use our services regarding your student loans. It may include information such as your name, address, residence information, telephone number, email address and the ReliaMax web pages visited. It also includes information from your communications with us such as letters, telephone calls, and emails.

Our use and disclosure of information

We only use your personal information in connection application, origination, fulfillment, ongoing servicing and collection of your loans (as a service provider to your lender), as permitted by your lender, and as permitted or directed by you. Our use of your personal information includes communications between you and us such as letters, telephone calls, text messages and emails.

Information we collect from third parties

This includes information we collect from your lenders, and from other organizations, such as consumer reporting agencies and other third parties. It includes information such as consumer credit information, demographic information and other reports about you. Information obtained from other organizations may be retained by such organizations and disclosed to other persons as permitted by law.

Information about your transactions

This includes information about your transactions with your lenders, us and others, including our affiliates. It includes information such as your account balances, account history and status, and similar information.

Information we disclose

The above-described types of personal and other types of information about you may be disclosed, but only as permitted or required by law, or as permitted or directed by you or your lender.

We may disclose such information to affiliated and unaffiliated insurance companies, reinsurance companies, and insurance support organizations, consumer reporting agencies, government entities, and claims administrators. We may also disclose information to unaffiliated third parties that perform services or functions on our behalf in connection with the servicing and collection of your loans. Further, we may also disclose information as necessary to affect, administer, or enforce a transaction that you request or authorize.

The following are examples of situations in which we may disclose information:

  • Your information may be passed between us and our agents, appraisers, attorneys, investigators, and others who may be involved in providing services to you or your lenders.
  • We may provide your information to others whom we determine need such information to perform insurance or other professional functions for us. These may include parties helping us with administrative services and consumer reporting agencies.
  • We may supply information as required by search warrant, subpoena, or legal process to state insurance departments or other law enforcement or government authorities when required by law, or to protect our own legal interests in the event of suspected illegal or fraudulent activities.

All of the unaffiliated entities with which we may share your information are required to keep the information confidential and use it only for the purposes for which it was shared, except as otherwise permitted by law.

ReliaMax communications

You may be contacted by ReliaMax regarding the application, origination, fulfillment, ongoing servicing and collection of your loans, including billing notices, confirmations of changes, and other loan related communications. You may not unsubscribe from communications that relate to your loans or the services we provide to you in connection with your loans and you consent to the receipt of these communications

Confidential and secure environment

ReliaMax is strongly committed to protecting the confidentiality and security of your information against unauthorized access and disclosure. We use various technologies to protect your personal information and only allow those with a "need to know" to access it. We use commercially reasonable safeguards to preserve the integrity and security of all information collected through the website and the services in order to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. The safety and security of any information you provide or submit also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of the services, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We are not responsible for information that you deliver to any third party.

Links to other companies on the ReliaMax website

The ReliaMax website may contain links to other sites offering valuable information or services. If you choose to provide any personal information directly to any of these entities, the collection and disclosure of your personal information by that entity will be governed solely by that entity's privacy policy. ReliaMax makes no representations or warranties regarding these sites.

Lenders and Other Businesses

ReliaMax values its relationship with you. Protecting the privacy of your information is of the greatest importance to us. Whether you are a current, former, or potential customer, ReliaMax treats your personal information with the same high level of confidentiality and security.

  • We never sell your information.
  • We only share your information as necessary to provide the products and services you have requested or to contact you about ReliaMax products and services.
  • We do not share information with third parties for marketing purposes unless we have your prior permission to do so.
Information we collect from you

We collect (a) information regarding your use of this website, (b) information you provide to us in connection with requesting information about our products and services, either on the internet, by phone, or by other means, and (c) information you provide to us when you use our products and services. It may include information such as your name, address, residence information, telephone number, email address and ReliaMax web pages visited. It also includes information from your communications with us such as letters, telephone calls, and emails.

Our use and disclosure of information

We gather information about you that may be used in connection with marketing our products to you, to offer you additional products and services that we think may be of interest to you, if you are our customer, to provide services to you, and as permitted or directed by you. Some of this may be nonpublic, personal information (information not available to the general public) that is provided by you, that we gather from transactions and communications with you, through services performed for you, that we obtain from third parties, or that we obtain through other means, all as permitted by law.

Information we collect from third parties

This includes information we collect from other organizations, such as credit reporting agencies and other third parties. It includes information such as credit information, demographic information and other reports about you. Information obtained from other organizations may be retained by such organizations and disclosed to other persons as permitted by law.

Information about your transactions

This includes information about your transactions with us and others, including our affiliates. It includes information such as your account balances, account history and status, and similar information.

Information we disclose

The above-described types of personal and other types of information about our current, former, or potential customers may be disclosed, but only as permitted or required by law, or as permitted or directed by the client or consumer.

We may disclose such information to affiliated and unaffiliated insurance companies, insurance agents, reinsurance companies, and insurance support organizations, such as credit reporting agencies, government entities, and claims administrators. We may also disclose information to unaffiliated third parties that perform services or functions on our behalf including the marketing of our products or services. Further, we may also disclose information as necessary to affect, administer, or enforce a transaction that you request or authorize.

The following are examples of situations in which we may disclose information:

  • Your information may be passed between us and our agents, appraisers, attorneys, investigators, and others who may be involved in the sales and marketing of ReliaMax products and services, processing of applications, and servicing of policies or claims.
  • We may provide your information to others whom we determine need such information to perform insurance or other professional functions for us. These may include parties helping us with administrative services and consumer reporting agencies.
  • We may supply information as required by search warrant, subpoena, or legal process to state insurance departments or other law enforcement or government authorities when required by law, or to protect our own legal interests in the event of suspected illegal or fraudulent activities.
  • If you provide information to us in connection with a request for information regarding the products and services we are offering for sale to you, we may use information you provide to contact you or make you an offer regarding products or services that may be of interest to you.

All of the unaffiliated entities with which we may share your information are required to keep the information confidential and use it only for the purposes for which it was shared, except as otherwise permitted by law.

Links to other companies on the ReliaMax website

The ReliaMax website may contain links to our business partners and links to other sites offering valuable information. If you choose to provide any personal information directly to any of these entities, the collection and disclosure of your personal information by that entity will be governed solely by that entity's privacy policy. ReliaMax makes no representations or warranties regarding these sites.

General Information and Policies

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of the information you provide to us. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Services.

Policy Changes. It is our policy to post any changes we make to the Policy on this page with a notice that the Policy has been updated on the www.reliamax.com home page. The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting website and this Policy to check for any changes.

Children Under the Age of 13. The website and the services are not intended for children under 13 years of age. No one under age 13 may provide any personal information to us through the services. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information through the website or services or on or through any of its features or register on the website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at customerservice@Reliamax.com.

Assignment and Sale. We may sell, assign or transfer all or a part of ReliaMax or its affiliates, or any of its products, services, or assets at any time without your consent. Your information may be among the items sold or transferred in these types of transactions. We may also sell, assign or transfer such information in the course of mergers, acquisitions, bankruptcies, dissolutions, reorganizations, liquidations, similar transactions or proceedings. By using the website or the services, you agree and consent to such sales, assignments, or transfers.

Contact information

For questions about about ReliaMax's privacy policy, please contact us at the address below, or send an email to: customerservice@Reliamax.com.

Privacy

ReliaMax

2300 E 54th Street North

Sioux Falls, SD 57104

This Privacy Policy is made by the following:

ReliaMax Lending Services, LLC