Consumer Privacy Policy

Peoples Manufactured Home Lending LLC’s Consumer Privacy Policy

Financial companies choose how they share your personal 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 information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and assets
• Employment information and income
• Credit history and account balances

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list reasons financial companies can share their customers’ personal information; reasons Peoples Manufactured Home Lending LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does PeoplesMHL share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

 

Who is providing this notice?

Peoples Manufactured Home Lending a KY limited liability company.

What We Do

Peoples Manufactured Home Lending LLC offers purchase and refinancing financing for manufactured homes.

How does Peoples Manufactured Home Financing protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Peoples Manufactured Home Lending collect my personal information?

We collect your personal information, for example, when you

• apply for a loan or give us your income information
• give us your contact information or provide employment information
• show your government-issued ID

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes – information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Nonaffiliates we share with can include insurance companies, direct marketing companies, depository institutions, and credit card companies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners can include insurance companies, depository institutions, mortgage lenders, and credit card companies.

Other Important Information

California residents: We will not share your personal information with nonaffiliates for their marketing purposes except with your express consent. We will not share your personal information with affiliates or other financial companies for joint marketing purposes if you ask us not to by using the opt-out form or instructions provided with this notice (called “Important Privacy Choices for Consumers”).

North Dakota residents: We will not share your personal information with nonaffiliates for their marketing purposes or with other financial companies for joint marketing purposes, except with your express consent. We will not share information about you with our affiliates, except as permitted by law.

Vermont residents. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

Rev 01/01/2024