Home >> About Us >> Privacy policy

Neighborhoods Incorporated of Hammond Indiana
Privacy Policy Statement

The trust of our customers is important to us. It is the cornerstone of our relationships. That is why we work diligently to safeguard your privacy. Neighborhoods Inc. safeguards that trust by keeping non-pubic personal information about our customers in a secure environment and using that information in accordance with this Privacy Policy. We have no intention of selling personal information about our customers to third party businesses.

The following privacy policy explains how we use and protect the information we collect about our customers. Please read it carefully.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

When used in this notice, the words we, our and us refer to Neighborhoods Incorporated of Hammond Indiana. When we use the terms "you" and "your" we are referring to the following types of customers: 

All of our consumer customers who have a continuing relationship with us, such as:

• Loan Account
• Construction Supervision Agreement
• Homeownership or Debt Counseling

IMPORTANT TERMS AND DEFINITIONS:

Non-public personal information means information about you that we collect in connection with providing a financial product or service to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but it means owning enough to have control.

A non-affiliated third party is a company that is not an affiliate of ours.

TYPES OF INFORMATION THAT WE COLLECT

We collect non-public personal information about you from the following sources:

• Information you supply to us (or that is supplied to us on your behalf) on applications and other forms, such as your name, address, phone number, employer and income
• Information about your transactions with us or our affiliates, such as your payment history 
• Information about your transactions with non-affiliated third parties, such as your obligations with others and your payment history
• Information from a consumer reporting agency, public records and data collection agencies, such as your obligations with others and your credit worthiness

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES

We may disclose non-public personal information, as described above, to our affiliates in order to provide you our products or services. Federal regulations allow us to disclose this information to our affiliates. You do not have the right to opt out of the disclosure of this information. We may disclose non-public information about you to the following types of affiliates:

• Community Development Organizations with missions similar to ours
• Home purchase and/or improvement lending programs
• Post-purchase counseling programs
• Credit and debt counseling programs
• Investment advisor programs

CONFIDENTIALITY AND SECURITY OF NONPUBLIC PERSONAL INFORMATION

We restrict access to non-public personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical and procedural safeguards to protect your non-public personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We will not disclose non-public personal information about you, without your specific consent, to anyone except as disclosed in this policy or as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers except as permitted by law.