Michigan Education Savings Program (MESP)

Privacy Policy

An Important Notice from TIAA-CREF Tuition Financing, Inc. about Its Privacy Policy

Please read this notice carefully. It gives you important information about how TIAA-CREF Tuition Financing, Inc. (“TFI”) 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

We, on behalf of 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. We 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 or is collected through cookies on the Program website;
  • you provide it during consultations; or
  • we obtain it to complete your requested transactions.

How Your Information Is Used

TFI does not disclose your personal information to any third parties so that they can market their products and services to you.

As permitted by law or contract, TFI may disclose your information to those service providers, affiliated and non-affiliated, hired by us on behalf of the Program, and which need the information to respond to your inquiries and/or to service and maintain your account.

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;
  • maintain the Program website; and
  • enhance your Program benefits.

These service providers provide services at TFI’s direction and include fulfillment companies, printing and mailing facilities. Under their agreements with TFI, these service providers are required to keep your personal information confidential and to use it only for providing the contractually required services.

For your convenience the Program has arranged with TFI to display your account information at TIAA.org, the website of TFI’s affiliate, Teachers Insurance and Annuity Association of America (including its financial affiliates, collectively, “TIAA”), in the event that you hold a retirement plan account or a retail financial account with TIAA. Your Program account information shall only be shared for this limited purpose. However, if you prefer not to share your information with TIAA in this manner, you may opt-out on the Program website.

The Program has also facilitated the inclusion of your Program account information in TIAA’s financial planning advisory tools. At TIAA.org and any of its digital tools, your personal information will be stored and processed in accordance with the TIAA Privacy Notice, Terms of Use and Security.

In addition, TFI may be required by law to disclose your personal information to government agencies and other regulatory bodies (for example, for tax reporting purposes or to report suspicious transactions).


Security of Your Information

TFI 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

TFI 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 Username and Password by supplying your Social Security Number or Taxpayer Identification Number and Account Number. The Username 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 information, 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 e-mail 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 TLS encryption protocol, your information will be safeguarded in accordance with federal and state privacy laws and industry norms.

When you visit the Program website, we may collect information about your use of the site through "cookies". Cookies are small bits of information transferred to your computer's hard drive that allow us to know how often a user visits our site and the activities they are most interested in performing. By visiting the Program’s site, you are deemed to accept such cookies to enable you to take full advantage of specific services offered. We may also require you to accept cookies placed by a third party supporting this activity on behalf of the Program.

The cookies collect certain technical and navigational information only, such as computer browser type, internet protocol address, pages visited, and average time spent on our websites. In addition, we capture the paths taken as you move from page to page (i.e., your "click stream" activity). This information allows us to enhance your experience while on our site.

Finally, we use cookies to establish and maintain a logged-in connection while you are in the secure section(s) of our website. For example, when you visit your account, perform transactions, update contact information or perform other activity the cookie allows you to navigate from page to page in a secure fashion without having to repeatedly log-in.


Internet Tracking Disclosure

We do not have the protocol that offers you the choice to opt-out of Internet tracking. You may reset your web browser to enable do not track functionality if your browser supports it.


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), PO Box 55451, Boston, MA 02205-5451.

© 2020 TIAA-CREF Tuition Financing, Inc.

March, 2020

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