Nova Financial & Investment Corporation, dba NOVA® HOME LOANS, understands the importance of handling customer information in a professional and confidential manner. We know that privacy is an important element of our customer's confidence in us, and we understand that our customers expect us to collect and retain personal financial information responsibly.
This policy was developed in compliance with the Gramm-Leach-Bliley Act and various State and Federal laws focused on consumer privacy and protection. To comply with Federal and State laws, this policy outlines the following information:
NOVA® HOME LOANS uses various terms in this policy:
NOVA® HOME LOANS has over 40 years of financial experience.
We take great care to ensure your personal information is kept safe.
Information is sometimes shared within the NOVA® HOME LOANS family for purposes that could benefit you such as fraud control, and other general business practices. These may include, but are not limited to:
We only contract with respectable, carefully screened third-party financial and non-financial companies that offer our customers valuable merchandise and services.
We give you a choice. If you do not want us to share your information, follow our Opt-Out procedures, and we'll be happy to comply with your "Opt-Out Request," consistent with the procedures in our Privacy Statement.
According to the California Consumer Privacy Act (CCPA) beginning January 1, 2020, California consumers will have the right to request categories and/or specific pieces of personal information that NOVA® HOME LOANS collects. California consumers may request the categories of sources from where information was collected, the business purpose for collecting or selling the information, and the categories of third parties with whom the information is shared.
If NOVA® HOME LOANS does not receive a request to opt-out of information sharing under CCPA, NOVA® HOME LOANS may share information with affiliated third parties or other companies who have contracts to provide products or services to NOVA® HOME LOANS consumers.
For a detailed explanation and summary of California consumer rights under CCPA please visit California Privacy Policy
NOVA® HOME LOANS, in compliance with the requirements of Children's Online Privacy Protection Act (COPPA), does not market to or solicit or collect personal information from children under age 13. Our website, products, and services are all directed towards consumers that are at least 18 years old or older.
The following Privacy Statement details our commitment to serving both your financial and privacy needs.
NOVA HOME LOANS is proud to be part of a financial services organization that has been providing superior products and services to its customers for close to 40 years. We greatly appreciate the trust that you and millions of other customers have placed in us, and we will protect that trust by continuing to respect the privacy of all our applicants and customers even if our formal customer relationship ends.
The following will explain our privacy practices so that you will understand our commitment to your privacy, and so you can make an informed choice about who you allow us to share your information with in order to offer you products and services. Although most customers enjoy receiving offers and information about additional products and services, if you prefer that we don't share your information for marketing purposes, we will respect your choice. If you have selected a credit insurance product, the privacy statement applicable to that credit insurance product is set forth at the end of this Privacy Statement.
It is important for you to know that in order to ensure that our customers get the very best service and the highest quality products, NOVA HOME LOANS collects demographic information (such as your name and address) and credit information (such as information related to your accounts with us and others). This information comes either directly from you, for instance, from your application and transactions on your account; or, it may come from an outside source such as your credit bureau report. In addition, if you visit our Internet website, we may collect certain information about your Internet usage. Gathering this information helps us to identify our customers and manage our customer relationships. It also assists us in the development of products and services to meet the continuing needs of our customers.
When contacting us on our site or as appropriate, you may be asked to provide your name, mailing address, subject property address, E-mail and/or telephone number. Depending on the product(s) or service(s) provided, we may request the following information from you or a non-affiliated third party.
Since some of the information we gather is not publicly available, we take great care to ensure that this information is kept safe from unauthorized access, and we would never share the information in violation of any regulation or law.
Because NOVA HOME LOANS respects your privacy and values your trust, the only employees or companies who can access your non-public personal information are those who use it to service your account or provide services to you or to us. NOVA HOME LOANS diligently maintains physical, electronic and procedural safeguards that comply with applicable federal standards to guard your non-public personal information and to assist us in preventing unauthorized access to that information.
Physical documents supplied to NOVA Home Loans are securely destroyed once they are no longer needed; this is completed securely in a manner that does not allow NOVA employees or third parties to access documents awaiting destruction.
NOVA Home Loans understands and stresses the importance of consumer privacy; however, like all financial companies, will need to share consumer personal information in order to successfully review and process requests in an effective and efficient manner. As a result, nothing in this policy prohibits the sharing of information if necessary to follow the law, as permitted by law, or to provide a tailored experience and service on your account(s) with us.
To the extent that NOVA Home Loans is authorized to access your personal information, NOVA Home Loans may use the information in the following ways and for the following reasons:
From time to time, for general business purposes such as fraud control, or when we think it may benefit you, we share certain information with other companies within the NOVA Home Loans family, unless you choose to Opt-Out. These companies all provide financial services. We may also share certain information with non-financial service providers that become part of the NOVA Home Loans family in the future. The information we share may come from your application, such as your name, address, telephone number and income.
By submitting a loan application or a request to be pre-qualified to NOVA Home Loans, you authorize NOVA Home Loans to check your credit and employment history and to share your credit report with NOVA Home Loans affiliates and our mortgage partners only to process your loan application. By clicking the button and submitting your information, you agree to our Terms of Use and our Information Security and Privacy Policies, and expressly consent to share your information with our affiliates Accurate Appraisal Management Services (AAMS), NOVA Financial Services (NFS) and Nova Insurance Services (NIS), and potentially our mortgage partners, and for us, our affiliates and our mortgage partners to contact you (including through automated or prerecorded means) by telephone, mobile device, and email, even if your telephone number is on a corporate, state or national Do Not Call Registry.
Except for Vermont, North Dakota and San Francisco residents, we also share information with other companies outside the NOVA Home Loans family that are able to extend special offers we feel might be of value to you. These offers are typically for products and services that you might not otherwise hear about. The information we may provide them comes from the sources described above and may include your name, address and phone number. For Vermont, North Dakota and San Francisco residents, the law requires us to obtain your permission in order to share information about you in this way, and we have chosen not to share your information in this way.
We may also provide information to non-NOVA Home Loans companies that perform operational services related to your account, or marketing services for us. The sharing of information with these types of companies is permitted by law. Such a company might include a financial company (such as a mortgage banker or insurance service provider) with whom we have a joint marketing agreement or a non-financial company (such as a data processor or internet service provider) with whom we have a service agreement. The information we may share also comes from the sources described above and may include your name, address, phone number, and account experience with us.
Finally, we provide information about you to non-NOVA Home Loans companies such as credit reporting agencies and companies which provide services related to your account. This information sharing is also permitted by law.
NOVA will not share any SMS consent and phone number data with any third parties/affiliates.
Our website offers you the opportunity to view your current account information and make payments online, in addition to providing general information about our company and products.
If you do not want us to share your credit information (such as your credit bureau information) with other NOVA Home Loans companies, please let us know by completing one of the following requests:
If you have previously informed us of your preference, you do not need to do so again. We will be happy to comply with your request. This request will not apply to information about your transactions or experience with us (such as account information, account usage, or payment history) and will only apply to the NOVA Home Loans account you have designated on the form by account number. An opt-out request by any party on a joint account will apply to all parties on the joint account.
If you do not want us to share your nonpublic personal information with non-NOVA Home Loans companies (unless we are permitted or required by law to do so), you will also need to indicate your wishes by completing one of the same three requests:
If you have previously informed us of your preference, you do not need to do so again. You understand that your request may exclude you from receiving valuable offers in the future. Your request will only apply to the NOVA Home Loans account you have designated on your form by account number. An opt-out request by any party on a joint account will apply to all parties on the joint account. Opt-out requests will not apply to information sharing that is permitted by law. Please allow sufficient time for us to process your request. Please do not include any other correspondence in with your request.
We understand that security is a prime concern for our customers, and our website strives to offer a high level of security:
The following terms and conditions govern the use of this website, an electronic service that permits you to apply for credit and obtain information offered by Nova Financial & Investment Corporation. In the following terms and conditions, "NOVA" refers to Nova Financial and Investment Corporation, dba NOVA Home Loans.
NOVA maintains this website and certain other websites that are linked to this site, and is the owner or the authorized user of all text, images, graphics, photos, animation, music, sounds and other materials contained within these websites. The materials contained within these websites, including, without limitation, any copyrights, trademarks, service marks, and all other proprietary materials, are protected by the U.S. and international copyright laws and treaty provisions, trademarks laws, and other proprietary rights laws.
NOVA and/or its Affiliates also own(s) copyright in the selection, coordination, and arrangement of the material contained within these websites.
The material contained within these websites is provided by NOVA and/or its Affiliates only for lawful uses by customers, employees, and members of the general public. The material may not be copied, republished, incorporated into another website or reproduced (whether by linking, framing, or any other method), transmitted, distributed, uploaded, posted, used to create a derivative work or exploited in any other way without the expressed written consent of NOVA.
NEITHER NOVA Home Loans, ITS AFFILIATES OR SUBSIDIARIES, OR ANY OTHER PARTIES INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE INFORMATION AT THIS SITE, OR THE OFFERS, DIRECTIVES, EMPLOYEES OR REPRESENTATIVES OF ANY OF THE FOREGOING, ARE LIABLE IN ANY WAY FOR ANY DIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITIES) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR THE USE OF THIS SITE OR A LINKED SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE OR A LINKED SITE, WHETHER OR NOT NOVA IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES, WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE.