The privacy and security of your personal information is the foremost consideration of NORHOP - the National Organization for Home Ownership

NORHOP does not sell any of your personal information - contact, financial, work history, etc. - to any other company, period. Unlike many companies who routinely sell their customers to direct marketing organizations, NORHOP keeps all client information. NORHOP is completely committed to safeguarding your personal information and protecting your privacy.

Privacy policies and practices at NORHOP

Keeping your information confidential and secure is an important part of our responsibility to you, and we take this responsibility very seriously. This privacy statement describes our policies and practices that protect your information.

Please read on to learn more about the ways in which we are working to protect your privacy. We recognize and value the trust you have placed in us, and as always, we will continue to serve you with integrity and respect in the years to come.

These policies may be amended at any time. We will keep you informed of any applicable changes as required by law.

NORHOP has agreed to disclose its information practices and notify you of:

• What personally identifiable information about you or third parties is collected from you through the web site
• The organization collecting the information
• How the information is used
• With whom the information may be shared
• What choices are available to you regarding collection, use and distribution of the information
• The kind of security procedures that are in place to protect the loss, misuse or alteration of information under NORHOP control

How you can correct any inaccuracies in the information

The privacy and security of your personal information is the foremost consideration of NORHOP, and we are completely committed to safeguarding your privacy. If you have questions or concerns regarding this statement, you should contact NORHOP by sending email to

NORHOP uses personal information to obtain financing for clients' home purchases.  We'll always specify the purposes for which we collect information, and only collect information with your consent. And rest assured you can change the information that we collect about you at any time, and as often as necessary.

Because we must gather some personal information about you in order to offer you the financing you require, we believe you should be fully aware of the information that we collect about you, how we use it, and how you can correct or change it.

Whether you are a NORHOP client, or are just visiting our web site, we promise to protect the information about your visit.

Information NORHOP Collects

NORHOP collects required information that is necessary to fully service your NORHOP account, optional information that you provide through voluntary registration, and tracking information derived primarily by tallying page views on our site.

Required Information

Required information is that data that NORHOP needs in order to process your NORHOP application. This is collected on the online application system or on paper forms.

The online application system collects the necessary contact information such as (your name, Social Security number, address, phone number and email address) to service your account.

Optional Information

In addition to collecting required information, we collect a small amount of optional information from our clients and visitors. This information is used to tailor our account services to most effectively serve you, and to better understand the aggregate profile of our clients. This information may also be used in developing new services. This information is outlined below.

Demographic Information

Like any business interested in attracting and offering the highest quality of service to clients, NORHOP gathers voluntary demographic information about our clients. Questions seek to gain insight on such things as how an individual became aware of our service, the client's gender, occupation and household income. This information is collected and stored with the client's individual NORHOP account information. This information is kept completely private and confidential. It is aggregated with that of all other clients to provide us with the ability to tailor our services and content to those individuals most interested in our service. Linkage to individual clients is cut after NORHPO anonymizes its data (see tracking information below).

Client Solicited Contact

Client comments and inquiries are collected and stored for each client that submits them. This represents one of the many ways that clients can contact us regarding any inquiries that they have with the NORHOP service.

Surveys

NORHOP occasionally conducts user surveys to better target our service offering to existing as well as new clients. We sometimes share aggregated demographic information in these surveys with business partners that offer complimentary offerings to the NORHOP service. This information is summarized in aggregate, and information about specific individuals is never shared with any third party. Linkage to individual clients is cut after NORHOP anonymizes its data.

Contests and Sweepstakes and Member Incentive Programs

NORHOP may occasionally offer sweepstakes, contests and member incentive programs to clients, visitors to the NORHOP web site (www.norhop.org), the general public and individuals identified through direct mail lists.

These offerings may be promoted on the web site, through the online application system, banner ads, direct mail, web content registration, and press releases.

At a minimum, required information includes name and email address; in some cases, the user must answer mandatory survey questions about other personal data or enter a prize code. The information gathered in the entry form is used to verify the entrant's identity, to send the entrant an email notification that the entry has been received, and to contact winners and/or prize recipients.

Because the rules and terms of each contest can vary, all information about each contest is clearly posted during the event. All contests and sweepstakes are conducted in full accordance with United States federal and state laws.

Referral Programs

The NORHOP Referal Programs allow clients to earn payments for each individual that, as a result of their recommendation, also becomes a client. Existing clients provide the contact information of the referred party, and NORHOP contacts that person informing them of the NORHOP service. All referred clients are told how their contact information was obtained and that the referring party will receive credit for the referral.

Tracking Information

NORHOP's web server logs information in aggregate to get a better picture of where our visitors come from and to plan for future enhancements. The following information is logged and tracked:

• The URL, date and time of the page requested

• The version of the web browser being used, and the version and type of the visitor's operating system
• The visitor's IP address

Use of Information

This privacy pledge assures you that NORHOP will never divulge any of your personal information - contact, financial, history - to any other organization unless:

• It is necessary to complete a transaction.

• You give us your written permission.

• The disclosure is required by law or by legal process.

• NORHOP suspects fraud by a client involving NORHOP, in which case NORHOP may investigate and report any evidence, including personally identifiable information, to law enforcement officials and to the courts in the course of seeking remedies at law and equity.

• You make an inquiry, request or complaint that requires follow-up, and we share your information with others to satisfy your inquiry.

• The disclosure is otherwise permitted by law.

In addition, NORHOP may use your information to:

• Disclose summary information to strategic and business partners. This is obtained by combining data from many individuals (never less than 500, and typically thousands or more) with the name and other identifiers removed.

• Create aggregate reports on user demographics and traffic patterns. This information may be used to negotiate with service providers who complement the NORHOP service or assist us in our efforts to expand our client base. NORHOP uses any information voluntarily provided by our users to enhance their experience in our site, provide personalized content on the site, better prepare future content, enable participation in contests, and offer member incentive programs.

NORHOP uses client personal information to help obtain financing for your home.  We will use commercially reasonable efforts to follow the explicit instructions you indicate either through direct contact with us, or as provided through the NORHOP web site.

Information Security and Protection

NORHOP has made every effort to ensure the privacy and integrity of client information.

Internal Security Policies and Procedures

NORHOP has instituted internal safeguards to reduce the likelihood of accidental disclosures and unintended access of client information (although it is impossible to eliminate this possibility completely).

All employees, contractors and other companies engaged by NORHOP are contractually required, through signed, internal privacy policies or non-disclosure agreements, to keep client information confidential and not to use it in any way other than what is necessary to perform their work for NORHOP. Violations of these policies can result in termination in the case of employees, the severing of contractual obligations in the case of contractors and other companies, and in civil and criminal penalties if warranted and applicable by law.

If you provide personal information during an interaction with our customer service representatives (for example, an email address or telephone number), we use it only for the purpose of customer service.

Correcting Your Information

NORHOP only collects information that is relevant to the purposes stated in this privacy policy. We strive to keep all personal information accurate and complete. And, as a NORHOP client, you are always fully in control of the information that we maintain to service you.

You can change your personal information at any time and as often as necessary. You can also request that the data be deleted (requests for deletion of certain information may require closing the account). Information about a client may be withheld or exempted from deletion if this is required by law or is part of a fraud investigation, or as otherwise as described in the Use of Information section.

NORHOP will comply with all appropriate requests within a reasonable time, although most requests for access to personal information can be accomplished by visiting the web site (www.NORHOP.com) directly. Some requests may take us a few days to process, and the results may be delivered by email.

You can change your personal information by contacting customer support at 423-664-9600 or sending a request via US mail to the following postal address:

   NORHOP
   6870 Lee Highway Suite 800
   Chattanooga TN  37421-2444

Opt-Out Policy

Clients can contact NORHOP as described in the Correcting Your Information section to opt-out of any of our services, promotions or contests. Alternatively, users can opt not to provide certain personal information when enrolling for the NORHOP service or when participating in some contests and surveys. Optional information for client enrollment and participation in contests is described in the Information NORHOP Collects section.

Sharing of Information

In an effort to expand our client base, NORHOP may disclose summary information, obtained by combining information from many clients, but with the name and other individual identifiers removed. Typically, aggregate reports disclose usage, demographic and traffic patterns to business partners.

We do not share information about individual users for marketing purposes with any third party, unless requested expressly by the client or as described in the Use of Information section. NORHOP may offer its services through strategic relationships with other companies where such an offering makes sense for NORHOP, its clients, and its partners. The NORHOP online application system may be included in conjunction with, or integrated with, other online businesses and web sites. In these cases, individual client information may be shared with strategic partners to: support the NORHOP service offering, assist in satisfying client inquiries, or fulfill client requests for service.

NORHOP opposes the emailing of any junk mail, and does not sell client information to email lists or telemarketers. If any of our related sites engage in such practices, for any reason, NORHOP will immediately investigate, and if appropriate, discontinue services with such parties. If you receive junk email that mentions NORHOP services, please send details to us at and we will investigate promptly.

Notification of Changes

If NORHOP changes this privacy policy, updates will be posted to the privacy statement and other places we deem appropriate. Information will be used in accordance with the privacy policy under which the information was collected.

If users' personally identifiable information will be used in a manner different from that stated at the time of collection, we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner. If users have opted out of all communication with the site, or deleted/deactivated their account, they will not be contacted, nor will their personal information be used in this new manner. In addition, if any material changes are made to the privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our Web site notifying users of the change. In some cases when a notice is posted, we will also email users who have opted to receive communications from NORHOP.

Additional Information

If you become a client or are just visiting the site, you can be assured that we will use the information gathered here only for the purposes stated here, and only in accordance with this pledge.

This privacy and security pledge is part of our contract with you.

Thank you for choosing NORHOP!

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Privacy Policy | ©2011 National Organization for Home Ownership, Chattanooga, Tennessee