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PHH Mortgage Web Privacy Statement

Effective: December 5, 2014

Privacy and Security Statement

Your private information is just that — private. And it should remain that way.

We at "PHH Mortgage" (referred to as "phhmortgage.com", "we", "us", or "our") recognize the importance of protecting the privacy of certain information collected about our customers and prospective customers (referred to as "Customers", "you" or "your"). This privacy statement discloses what information we gather, how we use it and how we share it with others. It is our intention to give you an understanding of how we collect your information and the use we make of it in the course of our business.

We generally gather two types of information about Customers: personally identifiable data that Customers provide through optional, voluntary use and registration on our sites; and data we gather through aggregated tracking, mainly by tallying page views throughout our sites.

Because of the financial nature of our business, we don't knowingly attempt to solicit or receive any information from children under the age of 13.

How does PHH Mortgage collect information?

Optional Registration

We collect information by specifically requesting it from you. Generally this occurs when you register at a site, request information or request a service. Usually, our sites and our service partners use your information to operate the sites and to deliver value-added services to you. Our sites also use your information to inform you about other products or services available from us.

The information we collect about you may come from any or all of the following sources:

  • Information from you based on completed applications, other forms and other communications with us (this information may include your name, address, Social Security number, assets, liabilities and income);
  • As a result of your transactions with us, with our affiliates (businesses within the PHH Mortgage family of companies as described below) and with other businesses (this information may include your loan approval amount, loan balance, payment history and other loan account information);
  • From providers of services to us, such as appraisers, appraisal management companies, real estate agents and brokers, and insurance agencies (this information may include the appraised value, purchase price and other details about the property securing your loan); AND
  • From consumer reports (this information may include your credit and employment history, credit score and other credit information).

Website Usage Data

Aggregated usage tracking is conducted through the use of Internet Protocol (IP) addresses and cookies, as described below. Such information enables us to tailor our content to fit Customers' needs better and to help PHH Mortgage understand our audience.

Use of Internet Protocol ("IP") Addresses

PHH Mortgage may collect IP addresses for the purposes of system administration, to report aggregated information and to audit the use of our site. When Customers request pages from PHH Mortgage, our servers log the Customers' IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a Customer's session will be logged, but the Customer will remain anonymous to us. We can and will use IP addresses to identify a Customer when we feel it is necessary to enforce compliance with our site terms of use or terms of service or to protect our service, site, customers or others.

Use of Cookies

We may collect cookies, which are small pieces of information that a website sends to your computer for record-keeping purposes; this information is stored in a file on your computer. Cookies make Web surfing easier for you by saving your preferences so that we can use the saved information to facilitate your use of our website when you return to the site. Our use of cookies does not tell us your individual identity. We never save passwords, Social Security numbers or credit card information in cookies. The use of cookies is an industry standard and, as such; you'll find that most major websites use them. Cookies are used to recognize you when you visit our site more than once so that information doesn't have to be repeatedly gathered. We do not store any of your personal information with cookies.

You can delete your cookie file at any time. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or indicate when a cookie is being sent. However, note that the site will not function properly if you refuse cookies. For example, without cookies, you will not be able to set personalized preferences, and/or may have difficulty completing marketing transactions.

You may occasionally get cookies from our partners. PHH Mortgage does not control these cookies. The use of cookies sent by third-party servers is standard in the Internet industry.

DISCLOSURE FOR CALIFORNIA USERS: PHH Mortgage AND OTHER PARTIES NOT AFFILIATED WITH US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR SITE OR THE SERVICES OFFERED ON OUR SITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. YOU MAY RESET YOUR WEB BROWSER TO DISABLE DO NOT TRACK SIGNALS IF YOUR WEB BROWSER SUPPORTS SUCH FUNCTIONALITY. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHOD, PLEASE CONTACT [email].

With whom does PHH Mortgage share my information?

As a visitor and user of our website, you may be asked to provide nonpublic personal information such as your name, address, assets, income, Social Security number, credit information, email address and other personal information. As a visitor and user of our website and during your loan application process, you are considered a "consumer" under applicable federal law. During your relationship with us as a consumer, we will not share any of your nonpublic personal information with anyone outside of our company except 1) at your direction and with your consent; or 2) as required or permitted by applicable law.

When you close your loan with us, you will become our "customer." As a customer, we are required to provide you with disclosures about our information-sharing practices and an opportunity to opt out of certain sharing practices. At your loan closing and at least once annually during the term of your customer relationship with us, you will receive our complete customer privacy policy which includes an opportunity for you to opt out of having your nonpublic personal information shared outside of our company (other than as permitted by law). If you are a resident of California or Vermont, we will not share your nonpublic information outside of our company unless you affirmatively opt in to such information sharing.

We may share any or all of the information we collect about you as permitted by law. For example, we are permitted to share information about you with companies that assist us in processing or servicing your loan (such as appraisers or title companies), government entities in response to a subpoena or other regulatory requirement, secondary market loan investors and consumer reporting agencies.

PHH Mortgage may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our terms of use or terms of service, or may be causing injury to or interference (either intentionally or unintentionally) with any rights or property of PHH Mortgage, or anyone else. Under these circumstances, we may disclose or access account information when the law requires it or permits it.

How do I update my information?

PHH Mortgage provides you with the opportunity to update contact and loan information that was provided to us. You may update your information stored in your application online, until it has been submitted to us. Once an application has been submitted, changes must be made by contacting the company directly at (800) 210-8849.

What happens when you link to a third-party site?

You should be aware that when you are on sites for PHH Mortgage you could hyperlink or be directed to other sites that are beyond our control and/or outside our service. For example, if you "click" on a banner advertisement, the "click" may transfer you off of the PHH Mortgage site. These other sites may include sites of advertisers, sponsors and partners that may use the logo of PHH Mortgage as part of a co-branding agreement. These other sites may send their own cookies to Customers, collect data, or solicit information. PHH Mortgage does not control such third-party sites, and, therefore, PHH Mortgage is not responsible for their contents or the hyperlinks or advertising they choose to place on such sites. PHH Mortgage‘s inclusion of hyperlinks to these third-party sites do not imply any endorsement of the material on such sites or any association with their operators. Third-party sites are not subject to the PHH Mortgage Privacy Statement. You should review the data and privacy practices of any third-party site. 

How do you secure my information when using this site?

PHH Mortgage employs industry best practices and complies with federal regulations in regard to Web-based services and confidentiality of customer data. Our controls include:

  • Strong user authentication
  • Encryption on all pages/sites where any personally identifiable information is provided or displayed (you can verify this by looking for a closed lock icon on your Web browser, or "https" at the beginning of the website address)

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. We restrict access to information about you to those employees or others who need to know that information to provide information, products or services to you.

Whom do I contact if I have questions about your site or your Privacy Statement?

Questions regarding PHH Mortgage’s website or our Privacy Statement may be directed to [email] or in writing at PHH Mortgage, Attn: Digital Media, 3000 Leadenhall Rd. Mount Laurel, NJ 08054.

YOUR ACCEPTANCE OF THESE TERMS

By using this site, you signify your agreement to the Privacy Statement of PHH Mortgage. IF YOU DO NOT AGREE WITH THIS STATEMENT, PLEASE DO NOT USE THIS SITE. PHH Mortgage reserves the right to modify this Privacy Policy at any time without notice to You. Your continued use of our sites following the posting of changes to these terms will mean you accept those changes.

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