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Disclaimer

We take our clients' financial privacy very seriously. During the course of processing your application, 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 and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

Information Collected

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

  • Information we received from you on the applications or other forms, such as your name, address, social security number, assets, and income
  • Information about your transactions with us, our affiliates, or others, such as your account balance payment history
  • Information received through our website
  • Information we received from a consumer reporting agency, such as your credit worthiness and credit history

Information Shared

We may disclose the above information about you to the following types of third parties:

  • Financial service providers, such as mortgage bankers, securities broker-dealers, and insurance agents
  • Non-financial companies, such as title and escrow companies, appraisal companies, etc
  • Others, such as non-profit organizations

We may disclose the above information to companies performing marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. By sharing this information, we can better understand your financial needs and offer products to help you better reach your financial goals. The information sharing described above is subject to your right to direct that we do not make the disclosures, and this opt out right is described below. We may disclose non-public personal information about you, including consumer report type information that relates solely to our transactions and experiences with you, to our affiliates.

This information sharing is not subject to an opt out right. We may wish to share consumer report type information that does not relate solely to our transactions and experiences with you (“Other Information”) with our affiliates who may have products or services that are of interest to you, or who may be able to offer assistance in connection with your transaction. You have the right to opt out of our sharing of Other Information with our affiliates.

Information We Collect When
You Browse Our Website

We do not access information about your identity while you browse our website. Although we collect information about the date, time and area of our website that you visited, you remain anonymous to us. Only if you decide to apply for a loan with us directly or through a broker, do we collect any personally identifying information about you. As is true of most Web sites, we automatically gather information about your computer such as your IP address, browser type, referring/exit pages, and operating system.

We use this information to:

  • Assess the needs of your business to determine suitable products
  • Send you requested product or service information
  • Send product updates or warranty information
  • Respond to customer service requests
  • Administer your account
  • Send you marketing communications
  • Provide the financial services you requested
  • Respond to your questions and concerns
  • Improve our Web site and marketing efforts
  • Conduct research and analysis
  • Display content based upon your interests

Opting Out

If you prefer that we do not disclose non-public personal information about you to non-affiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make these disclosures (other than disclosures permitted by law). As noted above, you also have the right to opt out of our sharing of Other Information, that is, direct us not to share Other Information, with our affiliates. If you would like to limit disclosures of personal information about you as described in this notice, just check the appropriate box(s) to indicate your privacy choices and fax, email, or call us with your choices. You may choose not to receive emails and other marketing materials by opting out at info@neighborhood-lender.com.

Who Can I Contact for
Privacy Related Issues?

You can contact us by mail at:

Neighborhood Lender, Inc
Attn: Compliance Officer
1200 East Morehead Street, Suite 290
Charlotte, NC 28204