neurontin used for hot flashes

Privacy Policy

NOVA® Home Loans 08/2018
Privacy
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.
Experience
NOVA® HOME LOANS has over 30 years of financial experience.
Electronic, Physical and Administrative Safeguards
We take great care to ensure your personal information is kept safe.
Only carefully trained professionals and companies who service your account have
access to your personal information.
NOVA® HOME LOANS diligently maintains security measures that comply with
applicable federal standards. This allows us to prevent unauthorized access to your nonpublic personal information.
Responsible Information Sharing
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. (Affiliates may include, but are not limited to, Nova Financial and Investment
Services (NFIS), Accurate Appraisal Management Services (AAMS), and Sikku)
We only contract with respectable, carefully screened third-party financial and nonfinancial companies that offer our customers valuable merchandise and services.
Control over Information Sharing
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.
Our Commitment to You
The following Privacy Statement details our commitment to serving both your financial
and privacy needs.
NOVA® Home Loans 08/2018
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 over 30 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.
Types of Information We Collect
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.
We Respect Your Privacy
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.
NOVA® Home Loans 08/2018
How We Share Information with Other NOVA® Companies
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 might 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®, you
authorize NOVA® to check your credit and employment history, and to share your credit
report with NOVA® 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) and NOVA Financial & Insurance Services (NFIS), 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.
How We Share Information Outside the NOVA HOME LOANS Family
Except for Vermont, North Dakota and San Francisco residents, we also may 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 might 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® 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 might
include your name, address, phone number, and account experience with us.
NOVA® Home Loans 08/2018
Finally, we provide information about you to non-NOVA® companies such as credit
reporting agencies and companies which provide services related to your account. This
information sharing is also permitted by law.
Privacy and Security on the Internet
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.
How to Request That Your Information Is Not Shared
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:
• Email your request to opt-out to resolution@novahomeloans.com,
• Call us toll-free at 800-955-9125, or
• Complete the Customer Opt-Out Form and mail to:
Nova Financial & Investment Corporation
6245 E. Broadway Blvd.
Suite #400
Tucson, AZ 85711
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.
Non-NOVA Companies (Not applicable to Vermont, North Dakota and San Francisco
residents)
If you do not want us to share your non-public personal information with non-NOVA®
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:
• Email your request to opt-out to resolution@novahomeloans.com,
• Call us toll-free at 800-955-9125, or
NOVA® Home Loans 08/2018
• Complete the Customer Opt-Out Form and mail to:
Nova Financial & Investment Corporation
6245 E. Broadway Blvd.
Suite #400
Tucson, AZ 85711
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 Mortgage 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.
Security Information
We understand that security is a prime concern for our customers, and our website
strives to offer a high level of security:
All Internet access must be completed using a browser that supports SSL encryption. All
communications between you and our website are encrypted by a 128 bit secure link to
protect the confidentiality of your data. State of the art monitoring systems and
firewalls are used to prevent unauthorized access to our systems.
Users are required to select their own Login ID and Password when they sign up,
and can change it at any time.
The website will automatically log out after a period of inactivity during any
session to protect your information.
Only carefully trained professionals and companies who service your account
have access to your personal information.
We diligently maintain security measures that comply with applicable federal
standards.
Website Terms and Conditions
Copyright and Other Intellectual Property
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 &
NOVA® Home Loans 08/2018
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) a 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 express written consent of NOVA®.
Limited Liability
NEITHER NOVA® HOME LOANS, ITS AFFILIATES OR SUBSIDIARIES, OR ANY OTHER PARTY
INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE INFORMATION AT THIS
SITE, NOR THE OFFICERS, DIRECTORS, 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 OPPORTUNITY) ARISING
OUT OF OR IN CONNECTION WITH 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, TROJAN
HORSES OR HARMFUL CODE THAT MAY AFFECT A USER’S EQUIPMENT, ANY
INCOMPATIBILITY BETWEEN THIS SITE’S FILES AND THE USER’S BROWSER OR OTHER
SITE ACCESSING PROGRAM, FAILURE OF ANY ELECTRONIC OR TELEPHONE EQUIPMENT,
COMMUNICATION OR CONNECTION LINES, UNAUTHORIZED ACCESS, THEFT, OPERATOR
ERRORS, OR ANY FORCE MAJEURE. NOVA® HOME LOANS DOES NOT GUARANTEE
CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THIS SITE OR A LINKED SITE. THE
CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THE
LINKED SITES ARE NOT INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY NOVA®
HOME LOANS. THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTION OF
SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR
TYPOGRAPHICAL ERRORS, AND NOVA® SPECIFICALLY DISCLAIMS ANY LIABILITY FOR
NOVA® Home Loans 08/2018
SUCH INACCURACIES OR ERRORS. CHANGES ARE PERIODICALLY MADE TO THE
INFORMATION ON THE SITE AND LINKED SITES. NOVA® MAY MAKE IMPROVEMENTS OR
CHANGES TO THE SITE AT ANY TIME.
NO WARRANTIES
ALL PRODUCTS, SERVICES AND CONTENT ON THIS SITE ARE PROVIDED “AS IS” WITHOUT
WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO,
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY. NEITHER NOVA® NOR ITS
AFFILIATES OR SUBSIDIARIES ENDORSE(S) AND NONE ARE RESPONSIBLE FOR THE
ACCURACY OR RELIABILITY OF ANY INFORMATION ON THIS SITE. IT IS THE
RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS
AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON THIS SITE. NOVA®
SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE INFORMATION ON THE SITE.
USER AGREES TO INDEMNIFY, DEFEND, AND HOLD NOVA® HARMLESS FROM ANY
LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY’S FEES RELATED TO A
USER’S VIOLATION OF THESE TERMS OF USE OR THE USE OF THE SERVICES AND
INFORMATION PROVIDED AT THIS SITE.
Links
Clicking on certain links within this website or certain other websites that are linked to
this website may take you to other websites, or may display information on your
computer screen from other websites, which are not maintained by NOVA® HOME
LOANS. Such websites may contain terms and conditions, privacy provisions,
confidentiality provisions, or other provisions that differ from the terms and conditions
applicable to this website. Links to other Internet services and websites are provided
solely for the convenience of users. A link to any service or website is not an
endorsement of any kind of the service or website, its content, or its sponsoring
organization.
NOVA® HOME LOANS AND ITS AFFILIATES, AND SUBSIDIARIES ASSUME NO
RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY
OR OPINIONS EXPRESSED IN A WEBSITE, TO WHICH THIS SITE IS LINKED (A “LINKED
SITE”) AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR
ACCURACY OR COMPLETENESS BY NOVA®. IT IS THE RESPONSIBILITY OF THE USER TO
EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY
INFORMATION AVAILABLE ON A LINKED SITE. ALL PRODUCTS, SERVICES AND CONTENT
OBTAINED FROM A LINKED SITE ARE PROVIDED AS IS WITHOUT WARRANTY OF ANY
KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES
NOVA® Home Loans 08/2018
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT, SECURITY, OR ACCURACY.
Children
NOVA® HOME LOANS does not knowingly market to, or solicit or collect personal
information from children under age 18.
Confidentiality of Information
NOVA® HOME LOANS has taken reasonable steps to ensure the confidentiality of
information taken at this website and transmitted via the Internet. However,
unexpected changes in technology may be used by unauthorized third parties to
intercept confidential information and we cannot be responsible should confidential
information be intercepted and subsequently used by an unintended recipient.
Information and Cookies
NOVA® HOME LOANS may collect and receive the URL you came from, the pages of
NOVA®’s website that were viewed during a visit, the advertisements you clicked, any
search terms that you entered to reach our site, and certain other information regarding
your Internet use. To see ways in which this information may be used, click the link to
view the Privacy FACTS Form. Some of NOVA®’s websites may also make use of “cookie”
technology to measure site activity, determine how you arrived at our site and maintain
your identity as you navigate through the website. NOVA®’s websites require cookies to
allow you to view your statements and transactions online. A cookie is an element of
data that a website can send to your browser, which may then store the cookie on your
hard drive. Cookies make visiting a website easier for you by saving your preferences
while you are at the site. The use of cookies is an industry standard and you will find
them at many websites. NOVA® uses the information from cookies to provide services
that are customized to your needs.
NOVA® HOME LOANS may also use third party advertising companies to serve NOVA®’s
ads on the Internet. These third party advertising companies also employ cookie
technology to measure the effectiveness of ads. To do so, these companies may use
information about your visits to NOVA®’s website and other websites. Unless otherwise
notified, these advertising companies do not use names, addresses, e-mail addresses or
telephone numbers, and do not link any online actions or cookies to an identifiable
person. The use of their cookies is subject to their own privacy policy.
NOVA® Home Loans 08/2018
If you want to prevent a third party advertiser from sending and reading cookies on your
computer, currently you must visit each ad network’s website individually and opt-out.
Choice of Law
All website activity or use and these Terms and Conditions are governed by the laws of
the United States of America and the laws of the State of Arizona, without regard to
conflict of law principles.
Website Content and Material
The information and materials contained in this website, including but not limited to
these Terms and Conditions and any product information, are subject to change without
notice. Users are deemed to be apprised of and bound by any such changes. Not all
products and services are available in all geographic areas. Your eligibility for particular
products and services is subject to final determination and acceptance by NOVA®.
Waiver and Severability
Any waiver of any provision contained in these Terms and Conditions shall not be
deemed to be a waiver of any other right, term or provision of these Terms and
Conditions. If any provision in these Terms and Conditions shall be or become wholly or
partially invalid, illegal or unenforceable, such provision shall be enforced to the extent
it is legal and valid and the validity, legality and enforceability of the remaining
provisions shall in no way be affected or impaired thereby.
Access to Secured Areas
Access to and use of password protected and/or secure areas of this website is
restricted to authorized users only. Unauthorized persons attempting to access these
areas of the website may be subject to prosecution.
________________________________________________________________________
NOVA® Home Loans FACT Act RED FLAG Disclosure
PURPOSE- The purpose of the NOVA®’s Red Flag Identity Theft Plan is to provide
information to assist individuals in detecting, preventing, and mitigating identity theft in
connection with the opening of a “covered account” or any existing “covered account”.
NOVA® Home Loans 08/2018
BACKGROUND OF RED FLAG RULES- In 2003, the U.S. Congress enacted the Fair and
Accurate Credit Transaction Act of 2003 (FACT Act) which required the Federal Trade
Commission (FTC) to issue regulations requiring “creditors” to adopt policies and
procedures to prevent identify theft. In 2007, the Federal Trade Commission (FTC)
issued a regulation known as the Red Flag Rule. The rule requires “financial institutions”
and “creditors” holding “covered accounts” to develop and implement a written identity
theft prevention program designed to identify, detect and respond to “Red Flags.”
DEFINITIONS
Covered Accounts- Credit cards, checking/savings accounts, car loans, cell phone
service, utilities, margin accounts and mortgage loans.
Creditors-Organizations that regularly extend, renew, or continue credit; companies
that make arrangements to extend, renew or continue credit; and assignees of
companies who extend, renew, continue credit. Examples are: finance companies, utility
companies; automobile dealers, telecommunication companies, mortgage brokers and
mortgage lenders.
Identifying Information- Any name or number that may be used alone or in conjunction
with any other information to identify a specific person.
Personal Information-This information includes an individual’s first name or first initial
and his or her last name in combination with any one or more of the following data
elements, when either the name or the data elements are not encrypted or redacted:
Social Security Number, driver’s license/state identification card number, health
insurance information, medical information, or financial account number such as credit
card number, in combination with any required security code, access code, or password
that would permit access to an individual’s financial account or identity.
Identity Theft-A fraud committed or attempted using the identifying information of
another person without authority.
Red Flags-Alerts, discrepancies, warnings, variance, or unusual activity or pattern that is
noticed by the creditor
IDENTIFICATION OF RED FLAGS
Broad categories of “Red Flags” include the following:
*Alerts – alerts, notifications, or warnings from a consumer reporting agency including
fraud alerts, credit freezes, or official notice of address discrepancies.
*Suspicious Documents – such as those appearing to be forged or altered, or where the
photo ID does not resemble its owner, or an application which appears to have been cut
up, re-assembled and photocopied.
*Suspicious Personal Identifying Information – such as discrepancies in address, Social
Security Number, or other information on file; an address that is a mail-drop, a prison,
or is invalid; a phone number that is likely to be a pager or answering service; personal
information of others already on file; and/or failure to provide all required information.
*Notice from Others Indicating Possible Identify Theft–such as the institution receiving
notice from a victim of identity theft, law enforcement, or another account holder
reports that a fraudulent account was opened.
NOVA® Home Loans 08/2018
DETECTION OF RED FLAGS- Detection of Red Flags in connection with the opening of
covered accounts as well as existing covered accounts can be made through such
methods as:
*Obtaining and verifying identity through provided documentation, credit report and
Social Security Administration
*Authenticating customers;
RESPONSE TO RED FLAGS- The detection of a Red Flag by an employee shall be reported
to the Management Team, Compliance Officer and their appropriate administrator.
Based on the type of red flag, the appropriate administrator, Management Team and
Compliance Officer together with the employee will determine the appropriate
response.
SERVICE PROVIDERS- NOVA® remains responsible for compliance with the Red Flag
Rules even if it outsources operations to a third party service provider. The written
agreement between NOVA® and the third party service provider shall require the third
party to have reasonable policies and procedures designed to detect relevant Red Flags
that may arise in the performance of their service provider’s activities. The written
agreement must also indicate whether the service provider is responsible for notifying
only NOVA® of the detection of a Red Flag or if the service provider is responsible for
implementing appropriate steps to prevent or mitigated identify theft.
TRAINING- All employees who process any information related to a covered account
shall receive training following appointment on the procedures outlined in this
document. Refresher training will be provided annually.
FURTHER INFORMATION
Compliance Department
NOVA® Home Loans
(520) 745-0050
Updates: These Terms and Conditions were last updated June 20, 2018. Please check
periodically for changes.
Copyright 2004 by Nova Financial & Investment Corporation. All rights reserved.