PROGRAM DISCLOSURE 

Lacasa, Inc. is a nonprofit, HUD-approved comprehensive housing counseling agency. We provide education workshops and a full spectrum of housing counseling including pre-purchase, non-delinquency post-purchase, and rental counseling. We serve all clients regardless of income, race, color, religion/creed, sex, national origin, age, family status, disability, or sexual orientation/gender identity. We administer our programs in conformity with local, state, and federal anti-discrimination laws, including the federal Fair Housing Act (42 USC 3600, et seq.).

Client and Counselor Roles and Responsibilities:

 

Counselor’s Roles and Responsibilities

Client’s Roles and Responsibilities

• Review client’s housing goal and finances, which include income, debts, assets, and credit history.

 

• Work with client to prepare an Action Plan that lists the steps needed in order to achieve specified housing goal.

 

• Assist client to prepare a household budget that will help to manage debt, expenses, and savings.

 

• Counselor is not responsible for achieving client’s housing goal but will provide guidance and education in support of the goal.

 

• Neither the counselor nor Lacasa, Inc. employees, agents, or directors may provide legal advice.

 

 

• Complete the steps assigned in Client Action Plan.

 

• Provide accurate information about income, debts, expenses, credit, and employment.

 

• Attend meetings, return calls, and provide requested paperwork in a timely manner.

 

• Notify Lacasa, Inc. or your counselor when changing housing goal.

 

• Attend educational workshop(s) (i.e., Master your Money, Master your Credit, etc.) as recommended.

 

• Retain an attorney if seeking legal advice and/or representation in matters such as foreclosure or bankruptcy protection.

 

 

Termination of Services: Failure to work cooperatively with your housing counselor and/or Lacasa, Inc. will result in the discontinuation of counseling services.  After three attempts of contact by Lacasa via phone or email, and client fails to communicate, file will be suspended.

Agency Conduct: No Lacasa, Inc. employee, officer, director, contractor, volunteer, or agent shall undertake any action that might result in, or create the appearance of, administering counseling operations for personal or private gain, provide preferential treatment for any person or organization, or engage in conduct that will compromise our agency’s compliance with federal regulations and our commitment to serving the best interests of our clients.

Agency Relationships: Lacasa, Inc. has professional affiliations with HUD, NeighborWorks America, Indiana Housing and Community Development Authority, the City of Goshen, the City of Elkhart, Elkhart County Government, and banks who from time to time provide grants to support our operations. As a housing counseling program participant, you are not obligated to use the products and services of Lacasa, Inc. or our industry partners.

Alternative Services, Programs, and Products & Client Freedom of Choice: Lacasa, Inc. has a first-time homebuyer program developed in partnership with several local banking institutions including Lake City Bank, Indiana Community Bank, INterra Credit Union, First Federal Savings Bank, 1st Source Bank, First State Bank of Middlebury, Northwest Bank, Horizon Bank, and Flagstar Bank. However, you are not obligated to participate in this or other Lacasa, Inc. programs and services while you are receiving housing counseling from our agency. You may consider seeking alternative products and services from entities including the Federal Housing Authority (FHA) for first-time homebuyer loan programs, and Indiana Housing and Community Development Authority. If you wish to find another HUD-approved counseling agency we invite you to go to www.nw.org, and enter your zip code. You’ll be guided through a comprehensive list of additional counseling agencies near you for other first-time homebuyer programs and other housing counseling services. You are entitled to choose whatever real estate professionals, lenders, and lending products that best meet your needs.

Referrals and Community Resources: We invite you to call 211 from your home phone. 211 is a national collaborative between United Way and thousands of agencies that provides free and confidential information about all kinds of services. If you prefer, Lacasa, Inc. can give you a community resource list that outlines the county and regional services available to meet a variety of needs, including utilities assistance, emergency shelter, transitional housing, food banks, and legal aid assistance. This list also identifies alternative agencies that provide services, programs, or products identical to those offered by Lacasa, Inc. and its exclusive partners and/or affiliates.

Errors and Omissions and Disclaimer of Liability: I/we agree Lacasa, Inc., its employees, agents, and directors are not liable for any claims and causes of action arising from errors or omissions by such parties, or related to my participation in Lacasa, Inc. counseling; and I hereby release and waive all claims of action against Lacasa, Inc. and its affiliates. I have read this document, understand that I have given up substantial rights by signing it, and have signed it freely and without any inducement or assurance of any nature and intend it to be a complete and unconditional release of all liability to the greatest extent allowed by law. If any provision of this document is unenforceable, it shall be modified to the extent necessary to make the provision valid and binding, and the remainder of this document shall remain enforceable to the full extent allowed by law.

Quality Assurance/Review: In order to assess client satisfaction Lacasa, Inc., or one of its partners, may contact you during or after the completion of your housing counseling service. You may be requested to complete a survey asking you to evaluate your client experience. Your survey data may be confidentially shared with Lacasa, Inc. grantors such as HUD, NeighborWorks America, IHCDA, the City of Goshen, the City of Elkhart, and Federal Home Loan Bank of Indianapolis.  This review is designed to produce and maintain quality service for our clients and to ensure compliance with agency, and investor guidelines (if applicable). You agree to cooperate with Lacasa, Inc. and /or its agents to the extent necessary to accomplish this Quality Assurance/Review. 

PRIVACY POLICY

Effective date: January 27, 2021

This document informs you of our policies regarding the collection, use and disclosure of personal data when you use our programs and services and the choices you have associated with that data. “Services” is defined as, but not limited to, One-on-One consultations before or after being considered a client, any kind of appointments or conversations with in-take processors, counselors, and/or coaches, during class registration and participation, etc., whether offered in-person or remote involving any and all Programs and Services and as presented and defined on our website at https://lacasainc.net/.

We use your data to provide and improve our programs and services. By using our programs and services, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible on our website at http://lacasainc.force.com/lacasacft. Lacasa, Inc. is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We realize that the concerns you bring to us are highly personal in nature. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations.

Types of Data Collected
SENSITIVE PERSONALLY IDENTIFIABLE INFORMATION

While using our programs and services, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally Identifiable information may include, but is not limited to:
 Email address
 First name and last name
 Phone number
 Address, State, Province, ZIP/Postal code, City
 Social Security Number
 Cookies and Usage Data when contacting us through our website

OTHER NON-PUBLIC PERSONAL INFORMATION

While using our programs and services, you might be required to provide additional information that may include but is not limited to revealing your race, ethnic origin, information about sources of income such as but not limited to Social Security benefits, information on criminal or administrative proceedings.

USAGE DATA

We may also collect information on how our Services are accessed and used (“Usage Data”) when contacting us using our website. This Usage Data may include information such as your computer’s Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

TRACKING & COOKIES DATA

We use cookies and similar tracking technologies to track the activity and we hold certain information when you use our website.
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

How we Collect this Data

We collect data from information we receive from you verbally in-person or through live one-on-one meetings via Zoom, Microsoft Teams, or alike; intakes you complete online through our website or at our offices; documents you provide to us such as but not limited to, paystubs, bank statements and tax returns; as well as other reports submitted to us, with express written consent from you, by third party companies such as but not limited to credit reports and criminal background checks processed by repository agencies, title searches processed by title companies, other reports provided to us by local, state or federal agencies.

Why we Collect this Data
We use the collected data for various purposes, including but not limited to:
 To provide and maintain our Services
 To notify you about changes to our Services
 To allow you to participate in interactive features of our Service when you choose to do so
 To provide customer support
 To gather analysis or valuable information so that we can improve our Services
 To monitor the usage of our Services
 To detect, prevent and address technical issues
 To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already accessed or enquired about unless you have opted not to receive such information

Retention of Data
We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and enforce our legal agreements and policies. We will also retain Usage Data for internal analysis purposes. Usage Data it is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.

Transfer of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
LaCasa of Goshen, Inc. DBA Lacasa, Inc. will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
Disclosure of Data
BUSINESS TRANSACTION. If we are involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.
DISCLOSURE FOR LAW ENFORCEMENT. Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).
LEGAL REQUIREMENTS. We may disclose your Personal Data in the good faith belief that such action is necessary to:
 To comply with a legal obligation
 To protect and defend the rights or property of LaCasa of Goshen, Inc. DBA Lacasa, Inc.
 To prevent or investigate possible wrongdoing in connection with the Services
 To protect the personal safety of users of the Services or the public
 To protect against legal liability

Security of Data by Electronic Means
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Our Policy on “Do Not Track” Signals under the California Online Protection Act (CalOPPA)
We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

Service Providers

We may employ third party companies and individuals to facilitate our Services (“Service Providers”), provide the Services on our behalf, perform Service-related services, or assist us in analyzing how our Services are used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics when using our Website
We may use third-party Service Providers to monitor and analyze the use of our Services such as Google Analytics. Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Children’s Privacy
Our Services do not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website at www.lacasainc.net. We will let you know via email and/or a prominent notice on our Services, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on our website.

You May Opt-Out of Certain Disclosures
You can “opt-out” of disclosures of your nonpublic personal information to third parties, that is, direct us not to make those disclosures.
Keep in mind that if you do choose to “opt-out” Lacasa, Inc. will be limited in its ability to communicate, negotiate, and provide access to our services and products.

Release of your Information to Third Parties
• So long as you have not opted out, we may disclose some or all aggregated and/or de-identifiable information that we collect, as described above, to third parties where we have determined that it would be helpful to you, would aid us in counseling or coach you, or is a requirement of grant awards which make our services possible.
• We may also disclose any nonpublic personal information about you or former customers to anyone as permitted by law (e.g., if we are compelled by legal process).
• Within the organization, we restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your SPII and nonpublic personal information.

Contact Us
If you have any questions about this Privacy Policy, please contact us:
 By email at https://lacasainc.net/contact/
 By phone number: 574-533-5540
 By mail: Lacasa, Inc. Headquarters, 202 North Cottage Avenue, Goshen IN 46528