Your Privacy Rights as a Homeowner
Consumer Credit Counseling Service of Southern Nevada D/B/A Financial Guidance Center (“the Agency”) is an IRC 501(c)(3) nonprofit financial and credit counseling agency. Through its association with the Nevada Housing Division (“NHD”), this Agency is participating in the National Foreclosure Mitigation Counseling Program (“NFMCP”) and the Nevada Attorney General’s Home Again Program (“HA”). The NFMCP is a federal program created and funded by Congress and administered by NeighborWorks America (“NWA”). The Home Again program is created and funded by the State of Nevada Attorney General’s Office (“AGO”). By participating in the NFMCP or the HA program, the Agency is able to provide you with assistance and counseling in dealing with your mortgage concerns. However, in order to provide you with the NFMCP and HA assistance and counseling, it is necessary to collect nonpublic personal information about you and your financial situation, and to submit that information to the NHD, NWA or the AGO for purposes of administering the program.
The Agency 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 information shared both orally and in writing will be managed within the legal and ethical considerations and requirements of the NFMCP and HA and in accordance with the policies described herein. If you have any questions about these policies, or our privacy practices, please contact us at 2650 South Jones, Las Vegas, NV 89146.
Types of Information We Gather About You.
We may collect the following types of nonpublic personal information from you (hereinafter referred to as “Personal Information”):
- Information that we receive from you orally or in writing, or on applications or other forms, such as your name, address, social security number, assets, and income;
- Information about your transactions with us, your creditors, or others, such as your account balances, payment history, parties to transactions and credit usage;
- Account information, including account balances, payment history, and account usage;
- Information that we obtain from non-affiliated third parties about your transactions with them; and
- Information we receive from a credit-reporting agency, such as your credit history.
Categories of Personal Information that we Disclose and the Categories of Non-Affiliated Third Parties with Whom We Share the Information
- As part of the NFMCP and HA, we will disclose some or all of the Personal Information to the NHD, NeighborWorks America (“NWA”), AGO and their administrators, subsidiaries, program monitors, and agents. These disclosures are a requirement of our participation in the NFMCP and HA, which makes our services possible
- We may disclose some or all of the Personal Information to your creditors or other non-affiliated third parties, such as financial service providers or creditors, where we have determined (i) that it would be helpful to you, (ii) that it would aid us in providing our counseling services to you, (iii) in order to fulfill a service requested by you, (iv) or where it is a requirement of participation in the NFMCP or HA. All non-affiliated companies that act on our behalf and receive Personal Information from us are contractually obligated to keep the information we provide to them confidential, and to use the Personal Information we share only to provide the services we ask them to perform.
- In order to provide our services to you, we also may share any of the categories of Personal Information within our organization, to subsidiaries, affiliates or other related entities.
- We may also disclose any Personal Information about you to anyone as permitted by law (e.g., if we are compelled by legal process) or in the good faith belief that such action is necessary in order to conform to the requirements of law or comply with legal process served on us, protect and defend our rights or property, including the rights and property of the Agency or act in urgent circumstances to protect the personal safety of consumers who use our services.
- We may also disclose any or all Personal Information to the following parties or in the following instances: 9i) NHD, NWA, or AGO and their administrators, subsidiaries, program monitors, and agents to the extent that it is a requirement of participation in the NFMCP, or HA, which make our services possible; (ii) non-affiliated third parties, such as financial service providers or creditors; (iii) our organization, subsidiaries, affiliates or other related entities; (iv) or as permitted by law (e.g., if we are compelled by legal process).
In addition, the Agency reserves the right to disclose certain Personal Information that it does not currently disclose to the non-affiliated parties referenced above. From time to time, we may also use anonymous aggregated case file information for the purpose of evaluating our services, gathering valuable research information, and designing future programs. This data is not personally identifiable.
Right to Opt-Out of Certain Disclosures.
- You have the right to opt-out or prevent us from making disclosures of your Personal Information to non-affiliated third parties such as your creditors or other parties we feel would be helpful to you or that would aid us in counseling you. If you choose to opt-out, we will not be able to answer questions from your creditors. To opt-out, please contact us at Financial Guidance Center, 2650 South Jones, Las Vegas, NV 89146.
- You have the right to opt–out or prevent us from making disclosures of your Personal Information to the NHD, NWA, AGO, or their administrators, subsidiaries, program monitors, and agents; however opting-out will terminate the NFMCP or HA counseling services provided to you because the Agency cannot provide these services to you without disclosing your Personal Information. To opt-out, contact us at Financial Guidance Center, 2650 South Jones, Las Vegas, NV 89146.
- If at any time, you wish to change your decision with regard to your opt-out, you may contact us at Financial Guidance Center, 2650 South Jones, Las Vegas, NV 89146.
The Confidentiality and Security of Your Information.
Within the Agency, we restrict access to Personal Information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Information for Residents of Nevada.
Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; e-mail: BCPINFO@ag.state.nv.us.
Financial Guidance Center (“the Agency”) is an IRC 501(c)(3) nonprofit financial and credit counseling agency. Through its association with the State of Nevada Housing Division (“NHD”), the Agency is participating in the National Foreclosure Mitigation Counseling Program (“NFMCP”) and through its association with the Nevada Attorney General’s Office (AG) is participating in the Home Again (“HA”) program. NFMCP is a program created and funded by Congress and administered by NeighborWorks America (“NWA”). Home Again is a program funded by the State of Nevada through the Office of the Attorney General. By participating in the NFMCP and HA programs, the Agency is able to provide you with assistance and counseling in dealing with your mortgage concerns. However, in order to provide you with the NFMCP and HA assistance and counseling, it is necessary to collect nonpublic personal information about you and your financial situation (“Personal Information”), and to submit that information to the NHD, NWA, and the AGO for purposes of administering the program. Accordingly, we are required to ask your acknowledgement of, and consent to, the following:
- I understand that the Agency receives funds appropriated by Congress for the NFMCP to NWA as part of the NHD Intermediary and from the Nevada AGO for HA.
- I understand that through the NFMCP and HA programs, the Agency provides mortgage and foreclosure mitigation counseling services. As part of the counseling services, I will receive a written action plan consisting of recommendations for handling my finances, possibly including referrals to other entities as may be appropriate.
- As a condition of participation in the NFMCP and HA, I understand that the Agency is required to collect and share some or all of my Personal Information with the NHD, NWA, AGO and their administrators, program monitors, and agents for purposes of program monitoring, compliance and evaluation of this federal and this state program.
- I acknowledge that I have received a document entitled “Privacy Principles” which outlines the types of Personal Information that the Agency will collect and may share, and with whom that information may be shared.
- As part of the NFMCP and HA, I authorize the Agency to collect my Personal Information, as defined in the Privacy Principles, and to disclose or share it with the NHD, NWA, AGO or their administrators, subsidiaries, program monitors, and agents.
- I understand that this consent to the disclosure or sharing of my Personal Information will remain in effect until it is revoked or modified by me, and that this revocation or modification may occur at any time by contacting the Agency at 2650 South Jones, Las Vegas, NV 89146.
- I understand that the revocation or modification of my consent will result in the termination of the NFMCP or HA mortgage and foreclosure mitigation counseling services provided to me because the Agency cannot provide NFMCP or HA services without disclosing my Personal Information as outlined.
- I understand that other services offered by the Agency may be recommended, or that I may be referred to other entities, as appropriate, to assist with particular concerns that have been identified. I understand that I am not obligated to use any of the services offered to me.
- I understand that the Agency’s counselors may answer questions and provide information, but not give legal advice. If legal advice is required, I may be referred for appropriate assistance.
FGC is a HUD-approved housing counseling agency. We offer the following housing counseling services: default/delinquency, reverse mortgage, loan modification, down payment assistance programs in partnership with the City of Las Vegas, City of North Las Vegas, Clark County, and the Federal Home Loan Bank of San Francisco, and an 8 hour pre-purchase education class. In addition to our housing counseling services we also offer financial counseling, debt management, credit report review, bankruptcy counseling and debtor education, free tax preparation, IRS advocacy program, and group financial literacy classes that includes topics such as budgeting, credit, purchasing an auto, renting an apartment, handling a checking/savings account, IDA asset development program, and various other financial programs and services.
You may request a list of down-payment assistance industry partners. This list is provided to meet HUD requirements only and in no way represents our endorsement of these companies. Lender and realtor partners are registered with our company specifically for participation in the down payment assistance programs administered by FGC.
As a potential HUD housing counseling client, you are not required to use any of our other services or the services of our industry partners including our approved lender and realtor lists in order to receive any type of housing counseling or education from FGC.