Consumer Privacy Notice

 

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

Why?

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.

What?

The types of personal information we collect and share depend on the loan you have with us. These loans may have monthly payments or be forgivable over time. 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.

How?

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 informationDoes the Agency 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 and conduct surveys.

 

Yes

 

 

No

For our marketing purposes—

to offer our products and services to you.

 

Yes

 

No

For joint marketing with other financial companies.NoWe 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.NoWe don’t share
Who We Are 
Who is providing this notice?North Carolina Housing Finance Agency (NCHFA), a public agency of the State of North Carolina
What We Do 
How does NCHFA protect my personal information?To protect your personal information from unauthorized access and use, NCHFA uses security measures that comply with federal laws. These measures include computer safeguards and secured files and buildings. NCHFA's security program follows a control framework and incorporates core data security principles. Your personal information is only accessible to employees who require access to perform their job functions.
How does NCHFA collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan
  • Apply for other financial assistance.
  • Give us your income information or employment information in connection with your application for financial assistance.

We also collect your personal information from other companies and our partners.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliate's everyday business purposes.
  • Information about your creditworthiness.
  • Affiliates from using your information to market to you.
  • Sharing for nonaffiliates to market to you.

North Carolina Law may provide you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?NCHFA does not hold deposit accounts.
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.

NCHFA may share information with nonaffiliates such as financial service providers, mortgage lenders, servicers, and securities broker-dealers; non-financial companies, such as realty companies and housing counseling agencies; and nonprofit or partner organizations for the purposes of providing you assistance.

However, NCHFA DOES NOT share your information with nonaffiliates so they can market to you.

Joint marketing

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

NCHFA doesn't jointly market

PartnersNCHFA works with various partners to provide affordable housing assistance to individuals such as non-profit entities, local governments and for profit lenders.
Questions?
No action is required.This is our annual Privacy Notice which explains how your personal information is handled by the North Carolina Housing Finance Agency. If you have questions, you may call toll free at 888-271-6367, option 3. 
Press &
Investors

North Carolina Housing Finance Agency / 3508 Bush Street / Raleigh, NC 27609 / 919-877-5700

Disclaimer (please scroll and read, then proceed below)

All information contained on the following Web pages is obtained from the Agency’s books and records, and is believed to be accurate and reliable. Reference should be made to the official statement and operative documents of each series of bonds referred to herein for complete information on that issue. Because of the possibility of human and mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and no representation or warranty, expressed or implied, is made, nor should any be inferred, as to the accuracy, timeliness, or completeness of this information. Under no circumstances shall North Carolina Housing Finance Agency have any liability to any person or entity for (a) any loss or damage in whole or part caused by, resulting from, or relating to any error (on account of neglect or otherwise) or other circumstance involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, transmitting, communicating or delivering this information, or (b) any direct, indirect, special, consequential, or incidental damages whatsoever, even if North Carolina Housing Finance Agency is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information. This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements. Each viewer of the aforementioned information acknowledges that (i) the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, (ii) this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, (iii) the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and (iv) no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction. The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared.

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