Privacy Policy and Practices

The HomeOwnership Center of Greater Dayton is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We realize that the concerns that you bring us are highly personal in nature. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations. Your "nonpublic personal information," such as your total debt information , income, living expenses, and personal information concerning your financial circumstances, will be provided to creditors, program monitors, and others only with your authorization and signature on the Waiver and Authorization to Release Information. We may also use anonymous aggregated case file information for the purpose of evaluating our services, gathering valuable research information, and designing future programs.

Types of information we gather about you:

-Information we receive from you orally, on applications or other forms, such as your name, address, social security number, assets, and income;

-Information about your transactions with us, our affiliates, your creditors, or others, such as your account balance, payment history, parties to transactions and credit card usage;

Information we receive from a credit reporting agency, such as your credit history;

You may opt-out of certain disclosures

1. You have the opportunity to "opt-out" of disclosure of your nonpublic personal information to third parties (such as your creditors), that is, direct us not to make those disclosures (other than disclosures permitted by law).

2. If you choose to "opt-out," we will not be able to answer questions from yur creditors or other third parties. If at any time, you wish to "opt-out" or change your decision with regard to your"opt-out," you may do so by submitting your request in writing to: HomeOwnership Center of Greater Dayton, Privacy Policy, 130 W. 2nd St., Suite 1420, Dayton, OH 45402.

Release of your information to third parties::

-So long as you have not opted-out, we may disclose some or all of the information that we collect, as described above, to your creditors or third parties where we have determined that it would be helpful to you, would aid us in counseling you, or is a requirement of grant awards which make our services possible.

- We may also disclose any non public personal information about you or former customers to anyone as permitted by law (e.g., if we are compelled by legal process).

-Within the organization, we restrict access to non public information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safe-guards that comply with federal regulations to guard your nonpublic personal information.

The Privacy Policy and Practices of the HOmeOwnership Center of Greater Dayton were provided to me.