Virtual Counselor Network (VCN), which is a program of the Housing Opportunities Collaborative (HOC), is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We realize that the concerns you bring to us are highly personal in nature. We assure you that all personal information shared orally and/or in writing will be managed within ethical and legal considerations. Additionally, we want you to understand how we use the personal information we collect about you. Please carefully review this notice as it describes our policy regarding the collection and disclosure of your nonpublic, personal information.
What is nonpublic, personal information?
- Information that identifies an individual personally and is not otherwise publically available information, such as your Social Security Number or demographic data such as your race and ethnicity
- Includes personal financial information such as credit history, income, employment history, financial assets, bank account information and financial debts
What personal information does HOC collect about you?
We may collect personal information about you from the following sources:
- Information that you provide on applications, forms, email, or verbally
- Information about your transactions with us, our partner, affiliates, or others
- Information we receive from your creditors or employment references
- Credit Reports and/or employment reports
What categories of information do we disclose and to whom?
We may disclose the following personal information to financial service providers (such as companies providing home mortgages), Federal, State, and nonprofit partners for providing counseling to you, program review, monitoring, auditing, research, and/or oversight purposes, and/or any other pre-authorized individual and/or organization. The types of information we might disclose are as follows:
- Information you provide on applications/forms or other forms of communication. This information may include your name, address, Social Security Number, employer, occupation, account numbers, assets, expenses, and income.
- Information about your transactions with us, our partner, affiliates, or others; such as your account balance, monthly payment, payment history, and method of payment.
- Information we receive from a consumer credit reporting agency; such as your credit bureau reports, your credit and payment history, your credit scores, and/or your creditworthiness.
- We do not sell or rent your personal information to any outside entity.
- We may share anonymous, aggregated case file information; but this information may not be disclosed in a manner that would personally identify you in any way. This is done in order to evaluate our program, gather valuable research information, and/or design future programs.
- We may also disclose personal information about you to third parties as permitted by law.
How is your personal information secured?
We restrict access to your nonpublic personal information to HOC/VCN employees who need to know that information in order to perform their duties. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information; and we train our staff to safeguard client information and prevent unauthorized access, disclosure, or use.
Opting Out of Certain Disclosures
You may direct HOC/VCN to not disclose your nonpublic personal information to third parties (other than disclosures made to project partners and those permitted by law). However, if you choose to opt out, it may limit HOC’s ability to provide services such as education and counseling. If you choose to opt-out, please email email@example.com or call 1-800-826-1502.