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

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		 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 No We don’t share

To Limit Our Sharing 
  • Call 512-975-2947 – our menu will prompt you through your choice(s)
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at (512) 975-2947 to limit our sharing.

Questions?

 Call (512) 975-2947 – or go to www.ZippyMH.com
Who we are
Who is providing this notice? Zippy Loans, LLC; Zippy Loan Servicing, LLC; Zippy Insurance, LLC; Zippy Settlement Services, LLC; Zippy Management, LLC; Zippy Technology, LLC; Zippy Homes, LLC; Zippy Inc (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.
  • Our affiliates include Zippy Loans, LLC; Zippy Loan Servicing, LLC; Zippy Insurance, LLC; Zippy Settlement Services, LLC; Zippy Management, LLC; Zippy Technology, LLC; Zippy Homes, LLC; Zippy Inc (together, “Zippy”). 
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 and 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.