|FACTS||WHAT DOES NCP DO WITH YOUR PERSONAL AND FINANCIAL INFORMATION?|
Financial entities choose how they share your personal and financial information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal and financial information. Please read this notice carefully to understand what we do.
The types of personal and financial information we collect and share depend on whether you are (i) an entity applying for a loan from NCP, or (ii) an investor purchasing an NCP investment Certificate. If you are an entity applying for a loan, this information can include:
If you are an investor purchasing an NPC Investment Certificate, this information can include:
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons that NCP may share, or disclose your personal and financial information.
To protect your personal and financial information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, secured files, and procedural policies.
NCP is affiliated with The Evangelical Covenant Church and its organizations and ministries. However, NCP does not share any personal or financial information received from investors or borrowers with The Evangelical Covenant Church, any other organizations affiliated with The Evangelical Covenant Church, or any other third party, unless:
- The disclosure of such information is necessary to effect, administer, or enforce a transaction requested or authorized by the investor or borrower;
- The disclosure of such information is necessary to effect, administer, maintain, or enforce the servicing or processing of an NCP Investment Certificate or loan;
- The request for information is specifically authorized by the investor or borrower in writing;
- The request for information is made by a properly issued court order or subpoena;
- The disclosure of such information is necessary to prevent actual or potential fraud, unauthorized transactions, claims—whether with an investor or other third party—or other liability on the part of NCP;
- The request for information is made by federal or state securities authorities, or internal or external auditors having an official interest in examination and supervision of NCP or NCP’s Investment Certificates or loans;
- The request for information is made by an agent or other person in a fiduciary or representative capacity on behalf of an investor whose beneficial interest entitles him/her to such information under the law;
- The disclosure of such information is necessary for NCP’s compliance with federal, state, or local laws, rules, and other applicable legal requirements, or is otherwise permitted by law.
NCP restricts access to information about investors and borrowers to those NCP employees who need to know such information to provide products or services to NCP investors and borrowers.
In addition, NCP may contract with outside companies or individuals to perform certain services that require information about investors or accounts, e.g. custodians of IRA accounts and record keeping contractors. All contractors receive only the minimum information required, and are required to adhere to a non-disclosure policy with respect to all information from NCP.