Last Updated: Dec 22, 2025
Neighborhood Housing Development Corporation (“NHDC,” “we,” “us,” or “our”) values your trust and is committed to the proper management of the privacy of individuals and family’s personal information. We realize that the concerns you bring to us are highly personal in nature and assure you that all information shared both orally and in writing will be managed within legal and ethical considerations. Your “nonpublic” personal information, as used in this notice, means information that identifies an individual personally and is not otherwise publicly available information. It includes personal financial information such as credit history, household income, employment history, financial assets and liabilities, and bank account information. It also includes your social security number and other information that you have provided us on any applications or forms that you have completed.
We are committed to protecting your privacy and safeguarding the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website, complete forms, participate in our programs, or communicate with us electronically (including by email or text message).
1. Information We Collect
We collect information to support our lending operations, housing and financial counseling, and to aid you in shopping for a home mortgage from a conventional lender. In addition, we collect information to assist you with resolving mortgage delinquency. We collect information about you from the following sources:
- Information that we receive from you on applications or other forms,
- Information about your transactions with us, our affiliates or others,
- Information we receive from a consumer reporting agency, and
- Information that we receive from personal and employment references.
Depending on how you interact with NHDC, we may collect the following types of information:
A. Personal Information
Information you voluntarily provide, such as:
- Full name
- Email address
- Phone number
- Mailing address
- Demographic information
- Program interests
- Communication preferences
B. Sensitive Personal & Financial Information
When participating in certain programs, we may collect or request access to sensitive information, including:
- Government-issued identification
- Income documentation
- Bank statements
- Mortgage statements
- Credit report information
- Household and financial data
Important: Sensitive documents are collected only through secure systems or channels designated by NHDC and are not stored through general website contact forms.
C. Usage & Technical Data
Automatically collected information may include:
- IP address
- Browser type
- Device information
- Pages visited
- Date and time of access
- Referring URLs
D. Cookies & Tracking Technologies
We use cookies and similar technologies to:
- Improve website functionality
- Analyze traffic and usage patterns
- Enhance user experience
You may disable cookies through your browser settings, though some features of the site may not function properly.
2. How We Use Your Information
NHDC uses collected information to:
- Respond to inquiries and service requests
- Provide housing counseling, education, coaching, and related services
- Schedule and manage appointments and classes
- Communicate program updates, reminders, and next steps
- Verify eligibility for programs and services
- Track program participation and outcomes
- Meet federal, state, and grant reporting requirements
- Improve our services, outreach, and community impact
- Comply with legal and regulatory obligations
3. Text Messaging & Electronic Communications
If you provide your phone number and opt in, NHDC may send text messages related to:
- Appointment confirmations and reminders
- Program enrollment and follow-ups
- Class and event notifications
- Requests for required next steps
- Coaching and accountability messages
Opt-Out
You may opt out of text messages at any time by replying STOP. You will receive a confirmation message and will no longer receive SMS communications unless you re-enroll.
Help
Reply HELP to any message or contact us directly using the information below.
Message and data rates may apply. Wireless carriers are not responsible for delayed or undelivered messages.
4. How We Share Information
NHDC does not sell your personal information. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All mobile messaging data is used solely to support NHDC’s services, including appointment reminders, program updates, and client communications. Information may be shared only with service providers or partners as necessary to deliver these services, and only in accordance with applicable laws and confidentiality requirements. Text messaging originator opt-in data and consent will not be shared with any third parties.
We may disclose the following kinds of personal information about you:
- Information we receive from you on applications or other forms, such as your name, address, social security number, employer, occupation, assets, debts and income;
- Information about our transactions with us, our affiliates or others, such as your account balance, payment history and parties to your transactions; and
- Information we receive from a consumer reporting agency, such as your credit bureau reports, your credit history and your creditworthiness.
We may share information only when necessary with:
- Trusted service providers and technology partners who assist with program delivery, communications, scheduling, reporting, or secure data management
- Partner organizations involved in delivering specific programs (when authorized or required)
- Financial service providers, such as companies engaged in providing home mortgage or home equity loans
- Other nonprofit organizations involved in community development, but only for program review, auditing, research and oversight purposes
- Government agencies or funders when required for compliance, reporting, or audit purposes
- Legal authorities when required by law
All partners are required to maintain appropriate confidentiality and security safeguards.
Prior to sharing personal information with unaffiliated third parties, except as described in this policy, we will give you an opportunity to direct that such information not be disclosed.
5. Confidentiality & Data Security
NHDC implements reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, or misuse.
We restrict access to personal information about you to those of our employees who need to know that information to provide products and services to you and to help them do their jobs, including underwriting and servicing of loans, making loan decisions, aiding you in obtaining loans from others, and financial counseling. We maintain physical and electronic security procedures to safeguard the confidentiality and integrity of personal information in our possession and to guard against unauthorized access. We use locked files, user authentication and detection software to protect your information. Our safeguard complies with federal regulations to guard your personal information.
While we take data protection seriously, no system or transmission over the internet can be guaranteed to be 100% secure. We encourage clients to follow best practices when sharing sensitive information.
6. Data Retention
We retain personal information only for as long as necessary to:
- Provide services
- Meet program, grant, or regulatory requirements
- Comply with legal obligations
Retention periods may vary depending on the type of program or funding source.
7. Your Rights & Choices
You have the right to:
- Request access to or correction of your personal information
- Opt out of promotional emails or text messages
- Withdraw consent for certain communications
- Request information about how your data is used
If you want to opt out, that is direct us not to make disclosures about your personal information (other than disclosures permitted by law) as described in this notice, please indicate your preferences on the appropriate intake form or make a request, by contacting NHDC using the information below.
8. Children’s Privacy
NHDC’s website and services are not directed to children under the age of 18. We do not knowingly collect personal information from minors without appropriate consent.
9. Third-Party Websites & Services
Our website may link to or reference third-party websites or platforms. NHDC is not responsible for the privacy practices or content of those third-party sites. We encourage users to review the privacy policies of any external services they access.
10. Changes to This Privacy Policy
NHDC may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Continued use of our website or services constitutes acceptance of the revised policy.
11. Contact Information
If you have questions about this Privacy Policy or NHDC’s data practices, please contact:
Neighborhood Housing Development Corporation (NHDC)
Email: helpdesk@gnhdc.org
Website: https://gnhdc.org/
