Privacy Statement

Following is the Privacy Policy of the Wisconsin Partnership for Housing Development, Inc. for Purposes of Operating the Downpayment Plus® and Downpayment Plus Advantage® Programs

The Wisconsin Partnership for Housing Development, Inc., serves as the administrator of the Downpayment Plus®  (DPP) and Downpayment Plus Advantage® (DPP Advantage) Programs of the Federal Home Loan Bank of Chicago (FHLBC). Information collected by the Partnership is shared with the FHLBC, which is the program sponsor. To protect the right of DPP and DPP Advantage consumers to keep their personal information private, the Partnership collects and retains only information that is necessary for program operation. This information is received directly from Member lending institutions, participating counseling agencies or credit reporting services.

The Partnership takes care to ensure the protection of consumer data. Paper records for DPP and DPP Advantage are housed in a secure area with limited access. The online application process has designed-in security features that safeguard the information consumers provide. Powerful encryption technology available through Secure Sockets Layer (SSL) prevents unauthorized monitoring of consumer use of the wphd.org website.

The Partnership uses "cookies" to process DPP and DPP Advantage transactions. A "cookie" is a small text file stored on the user's computer by a website. Cookies are used to track DPP and DPP Advantage sessions from one form to another so that a user must log in only once per session. The Partnership does not track "real time" statistics of site users or store any personal information in cookies. Electronically stored information is housed in a secured area with limited, password-protected access.

The Partnership does not use the names and addresses of DPP or DPP Advantage consumers for any independent purpose, nor do we give or sell that information to any third parties for their independent use. The consumer information we possess may be shared with third parties only in the following situations:

• as required by law
• to exchange information with credit reporting agencies, merchants or financial institutions in accordance with standard banking industry practice

If we should decide to share consumer information under any other circumstances, we will inform consumers in advance and give them an opportunity to decline to have their personal information shared.

Any consumer having questions about the Partnership's privacy policy may call or email Lisa Kratz, CFO/Director of operations (608/258-5560 x27; lisakratz@wphd.org) .

"Downpayment Plus," "Downpayment Plus Advantage," "DPP" and "DPP Advantage" are registered trademarks of the Federal Home Loan Bank of Chicago.