Higher Level Processing Inc –
Terms of Use & Privacy Policy
This terms of use and privacy policy is an implied agreement between
the User / Client and My-hlp.com (the Website / Company “Higher Level
Processing Inc”) and its affiliate network website systems thereof.
By using this site, you agree to abide by our terms of use and privacy policy.
Higher Level Processing Inc works on a principle of helping students and
alumni with student debt relief consulting and document preparation
administrative support. Our scope of consulting & clerical services includes
but are not limited to: debt reduction on federal student loans – explaining and
educating clients on different debt relief programs pertaining to: loan
consolidation, repayment plans, loan reconciliation / default resolution,
forbearance, debt cancellation and loan forgiveness programs.
Anything BEYOND the scope of our realm of services CANNOT be construed
as a pre-disposed obligation for us to deliver such unmentioned services
(whether on this website or in writing by email or texting or via phone calls
verbally). Therefore, our company will NOT be held liable for any of the
undelivered services that neither party agreed to or IF those services /
solutions do not fall under the “scope of employment” within our company’s
expertise. By using our website and various systems, there is no “ostensible
authority” to form “Agent to Principal” relations with the users and visitors of
our website systems, considering the necessary screening technology we
must employ to “filter out” and ward off against spam emails and spam calls /
bots and/or ineligible visitors of our company website(s).
> Company Disclosure
Higher Level Processing (company) specializes in federal student loan
consulting and document preparation & processing to help borrowers qualify
for various government debt relief programs. Once your financial approval
assessment is complete, our staff will help you find a repayment or “debt
reduction” solution that works best for your individual financial situation based
on pre-qualifications guidelines.
IT IS IMPORTANT TO UNDERSTAND
OUR COMPANY IS NOT A GOVERNMENT ENTITY AND NOT A
SUBSIDIARY BRANCH OF ANY SORT OF PUBLIC SECTOR. WE DO NOT
REPRESENT THE DEPARTMENT OF EDUCATION AND WE DO NOT
REPRESENT THE LOAN SERVICING SECTOR NOR ANY BANKING /
LENDING INSTITUTION THAT IS INVOLVED IN UNDERWRITING LOAN
APPROVALS AND THE COLLECTION OF LOAN PAYMENTS.
> Company Disclaimer
We are not a government agency nor the Department of Education, NOR your
loan servicer. Higher Level Processing Inc is a private company – not affiliated
with the government nor the Department of Education. We work on an
“intermediary” behalf of the borrower / client, representing the borrower’s best
interest. We DO NOT make any loan payments on your behalf; your loans
remain in your name. Rather, we assist in identifying appropriate government
loan repayment & debt relief programs and then we draft document
preparation to apply for such programs. Any fees that you pay to Higher Level
Processing Inc are for designated value services provided to you with your
consent while you are responsible for repaying your loan separately at your
discretion.
By using our company services, we do not grant any express nor implied
warranties to guarantee the loan reduction / debt relief results for our clients.
Student loan clients and users of this website agree to supply truthful,
accurate information about themselves, their income and their concurrent debt
situation. In accordance with fair business practices and anti-discrimination
laws, we DO NOT discriminate against age, race, gender, sexual orientation,
disabilities, religion, political views and marital status. However, we must fairly
distinguish and exclude certain nations and currencies outside USA where we
cannot conduct business and where there would be no qualified clients based
on the application merit and federal guidelines.
> User / Client Privacy Policy
Our Company / Higher Level Processing Inc has made a substantial effort to
protect our Users and Clients in terms of cyber security and applicable privacy
regulations. Among which, my-hlp.com (website) has a properly installed SSL
(Secure Socket Layer) on our domain with encryption of data input and data
transfer. This allows for Higher Level Processing website features like contact
forms and application input forms to be well-protected when Users enter their
private and/or sensitive information. By law, all our website Users, Clients and
Contacts can request to be “opted out” of any subscriptions / communications
or emailing lists and we shall abide by their requests to enable such process.
By contacting our company (Higher Level Processing Inc) via our online
contact forms, email, phone or text, you agree to “opt-in” to receive relevant
communications / information pertaining to your questions and any materials
that we (as a company) believe would be helpful to you (as a User/Prospect or
existing Client) – this allows for us to provide a better service without
encumbrances nor any hindrances brought upon by a lack of communications
and unnecessary barriers. Additionally, for certain contact forms / applications
/ contracts and documents, we reserve the right to provide an optional “opt-in /
opt-out” feature for permitted communications related to your account status
and important student loan/debt relief information as well as any marketing
promotions & company announcements – whether direct or indirect point of
contact regardless of solicitation techniques; nonetheless, we intend to adhere
to a professional code of ethics with our Contacts/Prospects & Clients having
the right to be able to request to “opt-out” of ANY communications OR
solicitations that would otherwise be naturally instigated by our company for
those who were “opted-in” to consent to participate in our relevant
communications outreach.
> How We Collect and Use Information
This website is also equipped with optional “call-to-action features” like the
company phone # that our Users & Clients may call to interact with our
company staff to be able to answer relevant questions. By calling the
company phone #, our phone systems collect the caller ID / phone # so we
can call them back to try to assist them. We also have very secure private
CRM systems where we store the information provided to us by our Clients of
our services & Users of our website (my-hlp.com) and its connected web
portals.
By entering your email address and your name into our contact forms and
application / assessment form and/or appointment scheduler, you agree to
receive our direct communications by email that was provided by you willfully
with or without the intent to subscribe to our important communication
updates, relevant news / announcements and other vital information. If you
entered the wrong email address by mistake, you may contact us directly to
update your email address by emailing to [email protected] The personal
information that we collect securely via our website (when our website users
submit their information) includes: first name and last name, email address,
student loan / debt balance amount, current monthly payment, adjusted gross
income, family size as well as general location / city and state of residence
(when asked to share it) – Higher Level Processing Inc also has the right to
VERIFY the Clients’ residence address to make sure it matches the loan / file
records and the student's name in order to avoid fraudulent claims & filings.
Per our privacy policy, we have an ethics code to conduct business with
utmost honesty / transparency, affordability, availability / flexibility, data
security and reasonable accommodations.
Certain web systems and transacting portals that we use are being handled
via other parties considered to be reputable / secure online payment
gateways, in which case, those companies are responsible for providing such
technologies to you as a User / Client and therefore they are deemed to be
responsible for any technical problems / nuances on their side or any other
User Experience / User Interface or network up-time / website availability /
maintenance / speed-performance and web security protocols.
> Maintenance & Development and Web Security
While the my-hlp.com site is undergoing maintenance & development, Users /
Visitors and Clients may not be able to use OR see certain features of the site
until they are ready to be displayed publicly or until certain website / system
updates are issued as part of a normal protocol of performing web
maintenance. During the maintenance updates and testing stage, Higher
Level Processing and its IT department / Web Developer cannot be held
reasonably accountable for any missing content and features (or lack of
textual content), down-time / inaccessibility, slow-down in web performance or
any technical problems that are in the process of being resolved. As a good,
reliable company, we periodically check and test our website features and
web security so as to determine the adequate speed performance, stability,
SSL security encryption, privacy & spam control, software & API integrations
and features functionality along with accessibility and “ease of use” to
optimize user experience and value-satisfaction.
> Indemnification Clause and Web Security
IF there is ever an EXTERNAL linking website that has malware or spyware
attached to it or improper SSL installation or missing SSL security certificates,
those unsafe websites would NOT have our permission to link to our website,
thereby absolving us (the company) of ALL liabilities stemming from those
suspicious malware websites.
Higher Level Processing company shall NOT be responsible for any
negligence or damages arising from any such unsecured malware websites.
Under the circumstance of a prohibited / unauthorized website linking to our
site (with or without our knowledge), it is still the predisposed duty of those
outside companies to maintain their web security, cyber compliance, up-time,
maintenance / updates and customer support. In the event of any perpetrating
website/company attempting to breach or violate and compromise our website
systems and/or clients / users’ information, we shall seek rightful
indemnification against those types of companies that cause an unlawful,
harmful breach of system or damage to our reputation (i.e. we'd be seeking
compensation for damages & repairs / loss of data / systems restoration, loss
of revenue, reputation reviews / defamation and any litigation costs)
> Intellectual Copyrights
Furthermore, the use of Higher Level Processing Inc and my-hlp.com
copyrighted materials and domain / brand name (without our authorization) is
STRICTLY PROHIBITED. You must contact the Higher Level Processing
company by email (in writing) to request such use of materials / content and
brand name publicly with a prior notice before posting or otherwise
“misappropriating” unauthorized content that may or may not be accurate or
up-to-date with the latest available information.
We sincerely promise to keep up with the educational information and
guidelines referring to student loan debt relief programs and will thus do our
best to inform and educate our clients & users on the benefits of using those
programs to help those who need to reduce their federal student debt.
