Privacy Disclosure

What does NOIC, Inc. do with your personal information?


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.


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 Credit history
  • Account balances and Payment history
  • Transaction history and Mortgage rates and payments

When you are no longer our customer, we continue to share your information as described in this notice.


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 NOIC, Inc. and its family of companies chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does NOIC, Inc. 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 No We don’t share
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



Call 800-441-3456 or go to www.noic.com

Who we are

Who is providing this notice?

NOIC, Inc., NOIC Home Mortgage Lender, The Northern Ohio Investment Company, Concord Mortgage Group, and Ownium.

What we do

How does NOIC, Inc. 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. We maintain physical, electronic, and procedural safeguards complying with federal regulations to guard your non-public personal information.

How does NOIC, Inc. collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan or give us your income information
  • Provide account info or give us your contact information
  • Provide employment information

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.



Companies related by common ownership or control. They can befinancial and nonfinancial companies.

  • NOIC, Inc. has no affiliates.


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include government entities; credit bureaus; insurance, title, escrow, and mortgagecompanies; companies that assist in servicing your loan(s) or account(s) with us

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • NOIC, Inc. doesn’t jointly market.