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Privacy Notice

F A C T S

 WHAT DOES ZIPPY DO WITH YOUR PERSONAL INFORMATION?

Why?

 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.

What?

 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 income
  • Credit card or other debt and assets
  • Credit history and transaction or loss history
When you are no longer our customer, we continue to share your information as described in this notice

How?

 All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Zippy chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Zippy 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 No We don’t share
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share

Questions?

 Call (512) 975-2947 – or go to www.ZippyMH.com
Who we are
Who is providing this notice? Zippy Inc; Zippy Loans, LLC; Zippy Loan Servicing, LLC; Zippy Insurance, LLC; Zippy Settlement Services, LLC; Zippy Management, LLC; Zippy Technology, LLC; Zippy Homes, LLC (together, “Zippy”). 
What we do
How does Zippy 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 Zippy collect my personal information? We collect your personal information, for example, when you:
  • Apply for financing
  • Apply for insurance
  • Pay your bills
  • Give us your income information
  • Provide us with your contact information
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.
  • Zippy, Inc. and its subsidiaries has no affiliates.
Nonaffiliates Companies not related by common ownership or control.  They can be financial and nonfinancial companies.
  • Zippy does not share with nonaffiliates so they can market to you. 
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 
  • Zippy doesn’t jointly market.
Other important information
California residents: Effective January 1, 2020, the California Consumer Act of 2018 (CCPA) permits consumers who are California residents to ask businesses covered under the act about personal data it has collected about the consumer, submit an access or deletion request, and opt-out of the sale of personal information, if applicable. These provisions do not apply to personal data collected, processed, shared, or disclosed by financial institutions pursuant to federal law such as the Gramm Leach-Bliley Act. Contact us if you have questions about our privacy statement, this consumer notice, or your personal data. If your Zippy account has a California mailing address, we will not share personal information we collect about you except to the extent permitted under California law.
North Dakota residents: We will not share your personal information for joint marketing with other financial companies or for nonaffiliates to market to you, except with your express consent. We will not disclose information about your creditworthiness to our affiliates or disclose your personal information for our affiliates to market to you, other than as permitted by law, unless you authorize us to make these disclosures. 
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. Additional information concerning our privacy policies can be found at www.ZippyMH.com or by calling (512) 975-2947.
Customer Notification/USA PATRIOT Act Information Disclosure
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for a copy of your Driver’s License and/or other identifying documents.