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Privacy Policy

Hardest Hit Fund Rhode Island is a program that utilizes funds from the U.S. Treasury to help struggling homeowners in Rhode Island. It is administered by Rhode Island Housing.

At Rhode Island Housing, we take our responsibility to protect the privacy and confidentiality of customer information very seriously. Rhode Island Housing is committed to safeguarding sensitive customer information. By explaining our Privacy Policy to you, we trust you will better understand how we keep our customer information private and secure while using it to serve you better.

Your privacy is our top priority! We will not share nonpublic personal information about you with unaffiliated third parties without your consent, except as explained in this Privacy Policy. We may communicate to you special offers for products or services of third parties that we believe may be of interest to you. However, we will not provide third parties with any nonpublic personal information about you without your consent.

We maintain physical, electronic and procedural safeguards that comply with state and federal standards to store and secure information about you from unauthorized access, alteration and destruction. Our control policies authorize access to customer information only by individuals who need access to do their work.

We provide our Privacy Policy to customers when they make application for financial services. We also provide our Privacy Policy when a customer establishes a new relationship with us and annually thereafter. Our Privacy Policy may be revised to reflect changes in the law or changes in our policies. Our Privacy Policy applies to existing and former customers of Rhode Island Housing.

How we collect information
Collecting and storing customer information makes it possible for us to serve you and to offer products and services that may be of interest to you. We receive information about you from the following sources:

1.) applications, forms and other information that you provide to us, in writing, in person, by telephone, electronically or by any other means. This information may include your name, address, employment information, income and credit references;

2.) consumer credit reporting agencies. This information may include your account balances and payment and account history;

3.) your transactions and account experiences with us and others. This information may include your account balances, payment history and account usage;

4.) public sources. This information may include real estate and or city/town records. 

Guidelines for sharing information
Rhode Island Housing may disclose nonpublic personal information about you, as described above, to financial service providers to help us process your application or to service your accounts. The service providers may include coupon or statement printers, billing services, payment processing companies, mail and telephone service companies, insurers, property inspection companies, attorneys or other service providers.

We also are required to disclose nonpublic personal information about you to nonaffiliated third parties as required by law. For example, we may share information, without your consent, to respond to a subpoena or court order, judicial process or regulatory authorities; to report account activity to credit bureaus or to provide information to protect against fraud.

We may disclose nonpublic personal information about you, as described above, to organizations that perform marketing services on our behalf or to other financial institutions with which we have marketing agreements. We will require that these program partners agree to maintain the shared information as confidential to be used solely for solicitation of products or services covered by the marketing agreement, such as mortgage life insurance or other similar offers.

You may instruct us not to disclose nonpublic personal information about you with our program partners. Simply call us toll free at 800 854-1180.  

 

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