Privacy Policy

New Mexico Educational Assistance Foundation (NMEAF) d.b.a 180 Resolutions

The New Mexico Educational Assistance Foundation also conducting business as 180 Resolutions, is committed to safeguarding the privacy and confidentiality of your personal information. Federal law requires us to tell you how we collect, share, and protect your personal information. The 180 Resolutions does not share personally identifying information with third-party marketers.

Section 1: Information We Collect and Share

In compliance with the U.S. Department of Education requirements under the Higher Education Act, 180 Resolutions is required to collect and disclose the Social Security Numbers of applicants for the Federal student loans. The Department of Education’s privacy policy can be found at https://studentaid.gov/notices/privacy. 180 Resolutions collects and shares personal information about you in order to:

  • Identify you as our customer;
  • Report to consumer reporting agencies (credit bureaus);
  • Complete customer transactions;
  • Comply with legal and regulatory requirements;

Examples of the types of personal information that we may collect include:

  • Your Social Security Number, name, contact information, birthdate and phone number;
  • Your transaction history and account balances;
  • Financial information (in certain circumstances);
  • Information provided to us on a loan application, promissory note, form and/or through other communications (for example, an e-mail address);
  • Information about your transactions with us or others, including lenders, schools, or the U.S. Department of Education and vendors that perform services on our behalf such as printing services or loan collection support;
  • Information we receive from consumer credit-reporting agencies or public record


Section 2: Protection of Your Information

All financial companies need to share their customer’s personal information to run their everyday businesses. We do not disclose personal information about our customers or former customers, except as permitted or required by law or regulation. 180 Resolutions protects your personal information from unauthorized access and use. We use security measures that represent best practices such as computer safeguards and secured files and buildings.

Section 3: Notification

We must notify you about our privacy practices when 180 Resolutions becomes the holder of your student loans or there are changes to the privacy policy.


Section 4: Website

This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally Identifiable Information’ (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit this website?
When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, phone number or other details to help you with your experience.

When do we collect information?
We collect information from you when you fill out a form or enter information on our site.

How do we use your information?
We may use the information we collect from you when you complete our form, register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways: To follow up with you after correspondence (website form submission, live chat, email or phone inquiries)

How do we protect your information?
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. Your personal information is stored inside a secure network and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted using the latest technology recommended by Cybersecurity and Information Security Agency (CISA). We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use ‘cookies’?
Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. Cookies are used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We use cookies to: Keep track of advertisements and to compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since each browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies. If you turn cookies off, it won’t affect your experience.


Third-party disclosure
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-party links

We do not include or offer third-party products or services on our website. Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. We use Google AdSense Advertising on our website. Google, as a third-party vendor, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.

  • We have implemented the following:
  • Remarketing with Google AdSense
  • Demographics and Interests Reporting
  • DoubleClick Platform Integration

We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.

Opting out:
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.

How does our site handle Do Not Track signals?
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third-party behavioral tracking?
It’s also important to note that we allow third-party behavioral tracking

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under the age of 13 years old.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur: We will notify you via email within 7 business days. We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:

  • Send information, respond to inquiries, and/or other requests or questions
  • Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CANSPAM, we agree to the following:

  • Not use false or misleading subjects or email addresses.
  • Identify the message as an advertisement in some reasonable way.
  • Include the physical address of our business or site headquarters.
  • Monitor third-party email marketing services for compliance, if one is used.
  • Honor opt-out/unsubscribe requests quickly.
  • Allow users to unsubscribe by using the link at the bottom of each email. If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email and we will promptly remove you from ALL correspondence.

Contacting Us

If there are any questions regarding this privacy policy, you may contact us using the information below:
180 Resolutions / New Mexico Educational Assistance Foundation
7400 Tiburon NE
Albuquerque, New Mexico 87109
USA
888-602-3721 or (505) 761-2005

Last Edited on 06/11/2020