Michigan Education Savings Program Privacy Policy

An Important Notice from the Michigan Education Savings Program (the “Program”) about Its Privacy Policy.

Please read this notice carefully. It gives you important information about how the Program handles nonpublic personal information it may receive about you in connection with the Program. It applies to all past, present and future participants in the Program.

Information We May Collect

The Program may collect personal information about you from various sources to provide information requested by you about the Program, as well as to service and maintain your account in the Program. The Program may obtain this personal information (which may include your Social Security Number) in any of the following ways:

  • you provide it on the Program enrollment form (“Application”);
  • you provide it on other Program forms;
  • you provide it on the Program website;
  • you provide it during consultations; or
  • we obtain it to complete your requested transactions.

How Your Information Is Used

The Program does not disclose your personal information to anyone for marketing purposes. The Program discloses your personal information only to those service providers, affiliated and non-affiliated, who need the information to respond to your inquiries and/or to service and maintain your account. In addition, the Program may be required to disclose your personal information to government agencies and other regulatory bodies (for example, for tax reporting purposes or to report suspicious transactions). The affiliated and non-affiliated service providers who receive your personal information may use it to:

  • process your Program transactions;
  • provide you with Program materials;
  • mail you Program account statements; and
  • enhance your Program benefits.

These service providers provide services at the Program’s direction and include fulfillment companies, printing and mailing facilities.

  • Under their agreements with the Program Manager, these service providers are required to keep your personal information confidential and to use it only for providing the contractually required services.

Security of Your Information

The Program protects the personal information you provide against unauthorized access, disclosure, alteration, destruction, loss or misuse. Your personal information is protected by physical, electronic and procedural safeguards in accordance with federal and state standards. These safeguards include appropriate procedures for access and use of electronic data, provisions for the secure transmission of sensitive personal information on the Program’s website, and telephone system authentication procedures.

Changes in Our Privacy Policy

The Program periodically reviews this Privacy Policy and its related practices and procedures. You will be notified of any material amendments to this Privacy Policy.

Notice about Online Privacy

The personal information that you provide through the Program website is handled in the same way as the personal information that you provide by any other means, as described above. This section of the notice gives you additional information about the way in which personal information that is obtained online is handled.

Online Enrollment, Account Access, and Online Transactions

When you visit the Program website, you can go to pages that are open to the general public or log onto protected pages to enroll in the Program, access information about your account, or conduct certain transactions on your account. Once you have opened an account in the Program, access to the secure pages of the Program website is permitted only after you have created a User ID and Password by supplying your Social Security Number or Taxpayer Identification Number and Account Number. The User ID and Password must be supplied each time you want to access your account information online. This information serves to verify your identity.

When you enter personal data into the Program website (including your Social Security Number or Taxpayer Identification Number and your password) to enroll or access your account online, you will log into secure pages where we use Secure Sockets Layer (SSL) protocol for protecting information.

To use this section of the Program website you need a browser that supports encryption and dynamic Web page construction.

If you provide personal information to effect transactions on the Program website, a record of the transactions that you have performed while on the site is retained by the Program.

Other Personal Information Provided by You on the Program Website

If you decide not to enroll online and you want to request Program materials to be mailed to you, or you want to subscribe to the Program newsletter, you can click on another section of the Program website (i.e., the Request Enrollment Kit page of the Open an Account Today section) to provide your name, mailing address and email address, respectively. The personal information that you provide on that page of the site will be stored and used to market the Program more effectively. Although that page of the Program website does not use SSL encryption protocol, your information will be safeguarded in accordance with federal and state privacy laws and industry norms.

The Program Cares about Your Privacy

We use cookies on the Program website to measure marketing results for the Program. This process renders all visitors to the Program website anonymous and will not personally identify you.

Obtaining Additional Information

You may call the Program toll-free at 1-877-861-6377 or write to the Program at: Michigan Education Savings Program (MESP), P.O. Box 55925, Boston, MA 02205-5925.

© 2013 TIAA-CREF Tuition Financing, Inc.

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