Your privacy matters to us.
Accel Finance is dedicated to protecting the private information that you provide to us. We believe that your privacy is very important and cannot be compromised.

What information about you do we collect?
We collect and maintain partner and borrower information to serve you better and administer your loan and loan programs. The information that we collect may be required for us to comply with laws and regulations that apply to participants in education loan programs. We collect the following nonpublic personal information:

• Information we receive about you from your application, promissory notes, correspondence, communications, and other forms such as your name, address, social security number, school and course of study.
• Information that we collect from you during your relationship with us, our affiliates or others (such as student loan lenders, guarantors, servicers and the U.S. Department of Education), such as your loan balance, repayment history and any other parties involved in your transaction(s), such as a creditworthy co-signer or another.
• Information that we may automatically collect and store from all website customers. This would include the name of the domain and host from which the customer accessed the Internet; the Internet Protocol (IP) address of the computer the customer is using to access a Accel Finance website; the browser software the customer uses as well as the operating system; the date and time the customer accesses Accel Finance websites; the Internet address of the site from which the customer linked directly to Accel Finance websites; and information from online tools and calculators or online applications and forms.
• Information obtained by Accel Finance via “session cookies” on its website to enhance the delivery of products, services, and information on Accel Finance websites. A cookie is a small file that Accel Finance transfers to customers’ computer hard drives. Cookies also enable Accel Finance to ensure that only a customer’s web browser may exchange information regarding a customer’s account with Accel Finance’s servers. Session cookies are temporary files that are erased when customers close all web browsers. Accel Finance’s use of session cookies enables Accel Finance website customers to avoid the nuisance of being asked to provide the same information repeatedly while customers move from page to page of an Accel Finance website.
• Information that may be obtained by Accel Finance’s use of HTML-encoding (sometimes called pixel tags or clear GIFS) to record aggregate information about Accel Finance produced websites and e-mails. HTML-encoding e-mail enables Accel Finance to 1) send e-mail in a format certain customers may read, 2) to know which e-mails customers access and act upon, and 3) to better target the content of future e-mails or web pages. In addition, Accel Finance may track the aggregate number of e-mails read and whether any of the links in the e-mails or web pages were accessed.

The personal information that Accel Finance collects is referred to in this Notice as "Personal Information." We maintain physical, electronic and procedural safeguards to protect this Personal Information. We restrict access to this Personal Information to only those employees and agents who need to know it in order to provide our services to you.

Why and with whom do we share your information?
Accel Finance does not share or otherwise disclose your Personal Information to any other entities except as required or permitted by applicable law, specifically the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. Therefore, we only share your information as follows:

• when you explicitly instruct and authorize us to,
• with parties involved in the loan process,
• with service providers that assist us with processes or functions, and
• as otherwise permitted or required by law.

Disclosing Information to Parties Involved in the Loan Process or Performing Services on Our Behalf.
Accel Financeg works with several third parties involved in the loan process and with several service providers that perform loan program services who may have access to your information. In order to receive the financial services you or your students have requested, Accel Finance must receive and disclose information about school(s) and borrower(s) to and from the parties who participate in the loan process by funding, collecting, processing, administrating, servicing or maintaining a borrower's education loan. Each of these companies is required by law to adhere to applicable federal, state and local laws and regulations. Please view their own privacy statements, which can be viewed by clicking on their links.

Disclosures Permitted or Required By Law.
We may disclose information when we believe it necessary to conduct our business and where disclosure is permitted or required by law. In order to administer an education loan, as needed for the purpose of offering, processing, servicing and collecting loans, we may disclose Personal Information to other parties in the student lending business, such as guarantors, lenders, loan servicers, the Department of Education, credit bureaus and schools. Additionally, in some cases we may be required to share Personal Information with law enforcement or government agencies in response to a court order, subpoena, state/federal audit or other similar circumstances.

Changes to this Policy
Accel Finance reserves the right to change its privacy policy at any time. In the event we change our privacy policy regarding disclosure of Personal Information, we will not engage in such disclosure without first providing you with an opportunity to opt out.

This privacy policy is effective as of April 2008.