Neighborhood Housing Services of South Florida, Inc. takes its clients’ financial privacy very seriously. During the course of counseling (includes foreclosure prevention counseling), processing your loan application and servicing your mortgage loan, we accumulate non‐public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to non‐public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non‐public personal information.
We collect non‐public personal information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.
We may disclose the following kinds of non‐public personal information about you: (i) information we receive from you on applications or other forms, such as your name, address, social security number, assets and income; (ii) information about your transactions with us, our affiliates, or others, such as your payment history or loan balance; and (iii) information we receive from a consumer reporting agency, such as your creditworthiness, credit score, or credit history.
We may disclose non‐public personal information about you to the following types of third parties: (i) mortgage lenders to which we refer your file for approval
(ii) consumer reporting agencies
(iii) others, such as non‐profit organizations
(iv) government agencies
If you prefer that we not disclose non‐public personal information about you to non‐affiliated third parties, except as permitted by law, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to non‐affiliated third parties, you may call us at (305) 751‐5511.
Non‐affiliated third parties are entities that are not owned nor controlled, in whole or in part, nor are they a subsidiary of, Neighborhood Housing Services of South Florida, Inc. However, these third party entities are essential to NHS’ ability to provide homeownership services to you.