PRIVACY

Self-Help Enterprises (“SHE”) is committed to your right to privacy and takes your privacy seriously. We have very strict privacy policies and we strive to keep your personal and financial information secure. Please note that this Privacy Policy only applies to the SHE website and not to any other websites that you may access from the Site, each of which may have privacy policies that are materially distinct from this Privacy Policy. This Privacy Policy covers SHE's treatment of personally identifiable information that SHE collects when you are on the SHE site, and when you use SHE's services. We pledge to hold all information you provide to us in absolute privacy. Only authorized employees and/or other authorized third-parties may access your information. All employees are required to adhere to our strict privacy policies.

Traffic Data and Information- Through the combination of both internal and third party tracking code as well as cookies, the following categories of information are tracked when a visitor enters the site: (1) IP address, (2) domain servers, (3) type of computer used to access the Site, (4) types of web browsers (collectively 'Traffic Data'). SHE uses such data for general marketing purposes and in order to help enhance the customer experience on the website. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags also known as single pixel gifs or web beacons to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

Personal Information- In order for each customer to access and utilize SHE's document products and services, SHE requires each customer to provide us with personal information (collectively 'Personally Identifiable Information'). Personally Identifiable Information includes: (i) 'Contact Data' (such as your first and last name, physical street address, city, state, zip code, phone number and email address), (ii) 'Financial Data' (such as your income, and employer), (iii) 'Demographic Data' (such as your zip code and gender), and (iv) other 'Legal Data' (such as your mortgage information, credit information, debt information, expense information and other sensitive information necessary to generate proper documents). This Personally Identifiable Information is necessary to generate the documents created by our software program. Please note that Contact Data and Traffic Data are used to gather general statistics regarding our customers and visitors respectively, in order to enhance the consumer experience on the website. We may also use demographic data in a manner that does not identify you specifically or allow you to be contacted but does identify certain criteria about our users in general. For example, we may inform third parties about the number of registered users, number of unique visitors, and the pages most frequently browsed. We also use Contact Data such as name, physical address and email address to provide special information and promotions regarding our products or in order to contact the customer regarding an order. Any Financial Data gather is used strictly for the purposes of processing or completing the financial transaction for your order.

Confidentiality and Security of Personal Information- Self-Help Enterprises 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 legal and ethical considerations. Your “nonpublic personal information,” such as your total debt information, income, living expenses and personal information concerning your financial circumstances, will be provided to creditors, program monitors, and others only with your authorization and signature on the Foreclosure Mitigation Counseling Agreement. We may also use anonymous aggregated case file information for the purpose of evaluating our services, gathering valuable research information and designing future programs.

    Types of information that we gather about you

• Information we receive from you orally, 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 balance, payment history, parties to transactions and credit card usage; and 
• Information we receive from a credit reporting agency, such as your credit history.

    You may opt-out of certain disclosures

1. You have the opportunity to “opt-out” of disclosures of your nonpublic personal information to third parties (such as your creditors), that is, direct us not to make those disclosures.
2. If you choose to “opt-out”, we will not be able to answer questions from your creditors. If at any time, you wish to change your decision with regard to your “opt-out”, you may call us at (559)651-1000 ext 617 or (888)412-0828 and do so.

    Release of your information to third parties

1. So long as you have not opted-out, we may disclose some or all of the information that we collect, as described above, to your creditors or third parties where we have determined that it would be helpful to you, would aid us in counseling you, or is a requirement of grant awards which make our services possible.
2. We may also disclose any nonpublic personal information about you or former customers to anyone as permitted by law (e.g., if we are compelled by legal process).
3. Within the organization, we restrict access to nonpublic 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.

Website Areas Beyond SHE's Control- The Site may include interactive forums such as message boards and chat rooms. Please note that any Personally Identifiable Information disclosed in such areas is public and becomes public information. You should use caution when deciding to disclose your personal information.

Third Party Websites- SHE may maintain links to other websites. If you choose to visit other websites, we are not responsible for the Privacy Practices or content of those other websites, and it is your responsibility to review the Privacy Policies at those websites to confirm that you understand and agree with their policies.

Retention of Records- SHE may retain Personally Identifiable Information for a period of three (3) years. The reason for this lies in the fact that, users may request their documents for revision and we may need to update users of new information available.

User Ability to Update Personally Identifiable Information- We maintain a procedure to help you confirm that your Personal Information remains correct and up-to-date. At any time, you may visit your personal account profile (Collectively 'personal profile') by logging into the Member Home link. Through your personal profile, you are able to review and update your Contact Data. If at any time you wish to delete all of your Personally Identifiable Information from our site, you may contact us.

Authorization to share info- SHE agrees to maintain the confidentiality of user’s information; however, user authorizes SHE and its Non-Profit Housing Counselor Affiliates and/or lender and/or servicer handling user’s loan to submit user’s personal information to entities responsible for monitoring any governmental counseling or modification programs for the exclusive purposes of program evaluation and monitoring. This authorization will remain valid until revoked in writing by the user.

Security- As our commitment to data security, we strive to make certain that our servers and connections incorporate the latest encryption and security devices. To prevent unauthorized access, we have implemented physical, electronic, and managerial procedures to safeguard and secure the information we collect. Financial and personal information are transmitted to us by secure servers.

IF FOR ANY REASON YOU BELIEVE THAT YOUR PRIVACY HAS BEEN BREACHED THROUGH THE USE OF OUR SITE, YOU MAY CONTACT US IMMEDIATELY.