Welcome to the website of Indiana Secondary Market for Education Loans, Inc. (ISM).
Our Privacy Policy is designed to explain our standards for the gathering, sharing
and usage of any personally identifying information (non-public personal information)
you may supply to us as you browse and use our site. ISM is dedicated to providing
the highest quality service in a safe and secure internet environment. We realize
the private nature of your personal information and will strive to maintain its
integrity. This policy governs only the ISM website and does not apply to any other
site you may access through a hyperlink from any of our pages. You should carefully
review the privacy policies of each site you may access to ensure your non-public
personal information is being handled in a safe and secure manner.
We may use both session cookies and persistent cookies in connection with your visit
to our website. A cookie is a piece of data stored on your computer tied to information
about you. A session cookie is used to tag your computer with a computer-generated,
unique identifier when you access our site. A session cookie does not identify you
personally and expires after you close your browser. We may use session cookies
to gather statistical information about you when you visit our website, such as
your IP address and domain name, the type of browser that you use, the date, time
and duration of your visit, and the pages accessed during your visit. We may use
this information to monitor the effectiveness of our website, improve its usefulness
and troubleshoot problems you might have in accessing our site. A persistent cookie
is a small text file that is stored on your computers hard drive. We may place a
persistent cookie on your hard drive for up to 45 days, after which time the cookie
is automatically erased. This persistent cookie will permit you, on subsequent visits
to our website during this 45-day period, to access a partially completed loan consolidation
application that you began preparing during previous visits. Your browsers help
file contains information and instructions for removing persistent cookies if you
would like to remove them before they are automatically erased.
We maintain the confidentiality of any non-public personal information we receive
from you as described in our Privacy Policy. As stated in our Privacy Policy, we
may share information about you with certain companies outside our organization,
such as companies that provide financial and marketing services on our behalf. Our
contracts with these companies restrict them from using your nonpublic personal
information other than for the purpose for which we release it to them, and prohibit
them from using the information for their own purposes. We do not keep email addresses
on our server, although our employees will respond to any and all emails from any
visitor who requests additional information.
Disclaimer
By using any of the information, materials or functions from the pages on this website,
you agree to and understand the following DISCLAIMER:
ISM wants the information, materials and functions contained on this site to be
as up-to-date and accurate as possible, but ISM cannot represent nor endorse the
accuracy or reliability of any of the information, material or functions which are
displayed, downloaded, uploaded or distributed through the website. Any calculations
contained on this site merely provide you with estimates that may be different than
the actual, applicable amounts. The reasons for this variation include, but are
not limited: (1) loan servicers may use different repayment calculations; (2) loan
servicers may make other calculation assumptions; or (3) loan servicers may use
different interest rates and processing methods. The actual repayment amounts are
established by you and your lender.
You agree to use any materials or information provided by ISM at your own risk.
ISM can not guarantee and does not warrant that your access will be uninterrupted
or that the information accessible from this site is free of computer viruses. ISM
reserves the right to change, modify, add or remove portions of this site at any
time for any reason whatsoever.
This website contains links to other related World Wide Web Internet sites and resources.
ISM assumes no responsibility and/or liability for any errors or omissions in the
materials or information contained in these other links.
This site, including all content, software and information which is made available
on this site is provided as is without warranty of any kind, either expressed or
implied, including, but not limited to, the implied warranties of merchantability,
fitness for a particular purpose, or non-infringement.
ISM shall not be liable for any special, direct, indirect, incidental, or consequential
damages, including, without limitation, loss of revenues, profits or data, whether
in an action in contract, negligence, or other tortuous action, which may result
from the use of this site or the materials and information contained herein.
The use of this site to submit any forms which may be provided via this site does
not automatically qualify you for financial aid. You must contact the financial
aid office at your school or ISM to obtain a student loan and/or grant application
to apply for student aid. When indicated, you may print and return a completed form
to ISM depending on the type of student aid involved. ISM reserves the right to
invalidate requests which are submitted on altered forms. Any requests and/or applications
which are submitted must first be reviewed and approved by ISM before becoming effective.
Users shall not transmit any materials or information to this site which infringes
on any copyright or other proprietary rights of any other person or entity. Users
are responsible for respecting and adhering to state, federal and international
laws. Any attempt to break these laws may result in litigation against the offender
by the proper authorities. ISM will fully comply with the authorities to provide
any information necessary for the litigation process.
NOTICE: Transmissions to and from this site may not be confidential and your communications
may not be confidential and your communications may, therefore, be read or intercepted
by others. This site contains encryption methods that are not supported by all browsers.
If you are not using a browser such as Netscape 2.0 or higher or Microsoft Internet
Explorer, you may be unable to view all of the information and materials contained
on this site.