Hana Financial (Hana) respects each individual's right to personal privacy. The privacy and security of your personal information is of utmost importance to us at Hana. We are committed to preserving the confidentiality of the information you provide us. The following is a guideline of our privacy policy, which was developed to ensure the security of your confidential information, and to inform you about the usage of the information retrieved by Hana. Hana will collect and use information through our website only in ways specifically disclosed in this statement. This statement applies solely to information collected at Hana Financial's Student Loan website.     How Hana collects personal information   Hana collects limited information about the Borrower through our Apply Online feature to determine whether the applicant qualifies for a Hana Loan. Hana Financial uses this information for the sole purpose of processing the application. Hana does not trade or sell e-mail addresses or any of Applicant's personal information.     How we use the collected information   The information collected by Hana about the Applicant will be used to determine his or her eligibility to apply for a Hana Loan, and to process the Hana Loan application. Users who provide information will receive informative correspondence regarding their eligibility, their educational loans, and instruction on how to proceed with their application. Registered users may receive additional announcements from Hana concerning its products, services, special offers, and a newsletter. Out of respect for the privacy of our users, we give the Applicants the option of not receiving such communications. Hana may also share Applicant's information within the Hana organization. This may be done in order to provide the Applicant with information about education loans, private loans, and mortgage loans. Hana will limit access to personal information to employees who need to obtain such information for the purposes of employment. Hana may share the Applicant information with other parties under the following circumstances: When directly requested by the Applicant, or when permission is given by the Applicant to do so. When sharing the information with consumer reporting agencies due to suspected fraudulent or criminal activity, and when given a subpoena or court order to release such information. When Hana is required by law to share information with schools, student loan guarantee agencies, and the U.S. Department of Education in regards to Education Loans. Hana Student Loan website offers links to other websites. Please note: When you click on links to other Web sites, we encourage you to read their privacy policies. Their standards may differ from ours. Please be advised that the terms, conditions and policies may change without notice. Hana reserves the rights to modify its privacy policy at its sole discretion. If Hana's policy on information collection or use of privacy changes, the Applicant may be notified of such changes via e-mail or ground correspondence. If you wish to be removed from mailing lists, or would like to be placed on the "Do not call" list, please contact the following agencies to process your request:     Advertising received by mail: Direct Marketing Association Mail Preference Service P.O. Box 643 Carmel, NY 10512 www.dmaconsumers.org/offmailinglist.html     Advertising received by telephone: Direct Marketing Association Telephone Preference Service P.O. Box 1559 Carmel, NY 10512 www.dmaconsumers.org/offtelephonelist.html   Federal Trade Commission (FTC) National Do Not Call Registry 600 Pennsylvania Ave., N.W. Washington, D.C. 20580 1.888.382.1222 www.donotcall.gov     Advertising received by e-mail: Direct Marketing Association E-mail Preference Service www.dmaconsumers.org/emps.html     Access to information   Users may access their own personal information, if they have already initiated the application process through Hana's Apply Online feature. They may contact Hana about any inaccuracies they discover at the address and phone number listed below. Hana does not employ cookies. A cookie is a small text file that a web server places on a user's computer hard drive to be a unique identifier. Cookies enable companies to track usage patterns and deliver customized content to users.     Problem resolution   If problems arise, users may contact Hana by E-mail, phone, or by ground correspondence. We are committed to resolving any disputes within 48 hours of contact, if not before.     Data storage and security   Hana protects user information through the following security measures: protocols, secure servers, firewalls, SSL encryption through VeriSign, and other technology and procedures used to protect consumer privacy. All personal data you enter on Hana Student Loan website is encrypted with secure server software (SSL) by Verisign, the leading secure sockets layer (SSL) Certificate Authority enabling secure e-commerce and communications. Your information will be secured with the strongest encryption available. This feature encodes the information before your Web browser software sends it to us. The SSL software decodes the data only after it reaches Hana server, meaning hackers can't take advantage of any of your personal information while it is in transit. Once the data reaches Hana site, the same state-of-the-art security software Hana uses to guard all of its essential business data protects your personal data as well.     Contact Hana Financial, Inc.   Hana Financial welcomes your questions and comments about our privacy policy. Please contact us at the phone number, e-mail address, or mailing address below. Customer satisfaction is our priority.     Hana Financial, Inc. 1000 Wilshire Blvd. 20th floor Los Angeles, CA 90017-2047 Tel: 1-800-482-4262 Fax: 213-228-3333 E-mail: slcinfo@hanafinancial.com