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Consumer Privacy Notice

What Does the North Carolina Housing Finance Agency (NCHFA) Do With Your Personal Information?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • Credit History and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their

customer’s personal information; the reasons NCHFA chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does NCHFA share?

Can you limit this sharing?

For our everyday business purposes—

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

 

Yes

 

 

No

For our marketing purposes—

to offer our products and services to you

 

No

 

We don’t share

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes—

information about your transactions and experiences

 

No

 

We don’t share

For our affiliates’ everyday business purposes—

information about your creditworthiness

 

No

 

We don’t share

For nonaffiliates to market to you

No

We don’t share

 

Questions? Call 919-877-5700 or toll free at 1-800-393-0988 or go to www.nchfa.com. 

Who we are

Who is providing this notice?

NCHFA

 

What we do

How does NCHFA

protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does NCHFA

collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan or give us your income information
  • Provide employment information or give us your employment history
  • Apply for financing

 

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

 

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

 

  •  NCHFA has no affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

 

  •  Nonaffiliates we share with can include financial service providers, such as mortgage bankers and securities broker-dealers; non-financial companies, such as realty companies and housing counseling agencies; and others, such as nonprofit and partner organizations.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 

  •  NCHFA doesn’t jointly market