Family Resources of New Orleans 817 N. Claiborne Ave., N.O., LA 70116 familyresourcesofno.org

Privacy Policy

NOTE: If you have an impairment, disability, language barrier, or otherwise require an alternative means of completing this form or accessing information about housing counseling, please talk to your housing counselor about arranging alternative accommodations.

Family Resources of New Orleans (FRNO) 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 a nonpublic, personal infromation?

• Information that identifies an individual personally and is not otherwise publicly 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 FRNO collect about you?

We 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 affiliates, or others Information we receive from your creditors or employment references
• Information we receive from your creditors or employment references
• Credit 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 program review, monitoring, auditing, research, and/or oversight purposes, and/or any other pre- authorized individual and/or organization. The types of information we 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,
• Information about your transactions with us, our affiliates, or others, such as your account balance, monthly payment, payment history, and method of
• Information we receive from a consumer credit reporting agency, such as yourcredit 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 identifyyou 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 FRNO employees who need to know that information in order to perform their housing counseling 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 FRNO 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, we will not be able to answer any questions from your creditors, which may limit FRNO's ability to provide services such as foreclosure prevention counseling. If you chose to opt-out, please sign below under the "Opt-Out" clause. If you choose to release your information as stipulated in this Privacy Policy, sign under the "Release" clause.  You may change your decision any time by contacting our agency.

OPT-OUT: I request that FRNO make no disclosure of my nonpublic personal information to third parties other than project partners and those permitted by law. By choosing this option, I understand that FRNO will NOT be able to answer any questions from my creditors. I understand that I may change my decision any time by contacting FRNO

RELEASE: I hereby authorize FRNO to release nonpublic personal information it obtains about me to my creditors and any third parties necessary to provide me with the services I requested. I acknowledge that I have read and understand the above privacy practices and

FAMILY RESOURCES OF NEW ORLEANS

CREDIT REPORT AUTHORIZATION AND PRIVACY DISCLOSURE FORM

I hereby authorize and instruct (FRNO) to obtain and review my credit report. My credit report will be obtained from a credit a reporting agency chosen by (FRNO I understand and agree that (FRNO) intends to use the credit report for the purpose of evaluating my financial readiness to purchase a home.

My signature below also a authorizes the release to credit reporting agencies of financial or other information that I have supplied to (FRNO) in connection with such evaluation. Authorization is further granted to the credit reporting agency to use a copy of this form to obtain any information the credit reporting agency deems necessary to complete my credit report.

(FRNO) to share with potential mortgage lenders and/or counseling agencies my credit report and any information that I have provided, including any computations and assessments that have been produced based upon such information. These lenders may contact me to discuss loans for which I may be eligible, and these counseling agencies may contact me to discuss counseling services.

I understand that I may revoke my consent to these disclosures by notifying (FRNO) in writing.

Housing Counseling Program Disclosure

Purpose of Housing Counseling. I/We understand that the purpose of the housing counseling program is to provide one-on-one counseling to help customers fix those problems that prevent affordable mortgage financing. The counselor will analyze my/our financial and credit situation, identify those barriers preventing me/us from obtaining affordable mortgage financing, and develop a plan to remove those barriers. I/We further understand that it will not be the responsibility of the counselor to fix the problem for me/us but rather to provide guidance and education to empower me/us in fixing those issues preventing affordable mortgage financing.

Eligible Criteria. I/We understand that the counseling agency provides housing counseling assistance to customers whose problems can be resolved in 24 months or less. I/We understand that if it is determined my/our issues will take longer than 24 months to fix, I will be referred to

a long-term housing counseling program.

Homeownership Education Classes. I/We understand that as part of the housing counseling program, I/We will be required to attend group homeownership education classes.

Customer's Responsibility. I/We understand that it is our responsibility to work in conjunction with the counseling process and that failure to cooperate will result in the discontinuation of my counseling program. This includes but is not limited to missing three consecutive appointments.

You will need to submit the application, then you will be directed to the payment page.