This privacy policy notice is designed to inform you of the types of information
Select Portfolio Servicing, Inc. ("SPS") may maintain or collect during the
course of our relationship with you. It also explains the safeguards we have in
place to protect that information and the circumstances under which we may share
that information with other companies.
We maintain and collect nonpublic personal information (“NPI”) about you
as necessary to service your loan. We also may collect and maintain other information
about you. The following are examples of the types of NPI or other personal information
we maintain or collect:
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Information that you provided in writing or verbally in connection with your loan
or applications, or other forms, such as your name, address, social security number,
income, or assets and liabilities.
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Information about your transactions with us, our affiliates, or other parties, such
as your payment history, account balance, and parties to transactions.
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Information we receive from consumer reporting agencies, such as your credit worthiness
and credit history.
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Information we receive regarding your preferences for receiving our marketing
communications and details about your engagement with them.
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Information we receive when you contact us with questions or concerns and when
you contact us, including when you contact support, respond to questionnaires,
or when you respond to surveys.
Text messaging originator opt-in data and consent information are not shared
with any third parties and are excluded from all information-sharing practices
described in this Privacy Policy.
In accordance with applicable law, we may share personal information that we collect
and/or maintain, as described in Section 1 of this Privacy Policy, with nonaffiliated
companies. UNLESS YOU TELL US NOT TO DO SO BY SIGNING AND RETURNING THE FORM PROVIDED
BELOW IN SECTION 7, we may share this information with the following types of nonaffiliated
companies, among others:
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Financial service providers such as credit card issuers, finance companies, insurance
companies, banks, and mortgage companies; and
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Non-financial companies such as retailers, airlines, marketing companies, manufacturers,
and publishers.
PLEASE NOTE THAT WE MAY ALSO SHARE NPI AND OTHER PERSONAL INFORMATION ABOUT YOU, AS
DESCRIBED IN SECTION 2 WITH NONAFFILIATED COMPANIES. IF YOU SIGN AND RETURN THE OPT-OUT
FORM PROVIDED, PLEASE NOTE THAT WE WILL STILL SHARE WITH COMPANIES THAT PERFORM SERVICES
ON OUR BEHALF OR TO COMPANIES WITH WHICH WE HAVE JOINT MARKETING AGREEMENTS. WE RESERVE
THE RIGHT TO DO SO, NOTWITHSTANDING YOUR OPT-OUT, WHERE SUCH SHARING IS INCIDENTAL TO
SERVICING YOUR LOAN OR THE PROVISION OF OTHER PRODUCTS OR SERVICES TO OUR INDIVIDUAL
CUSTOMERS.
Text messaging originator opt-in data and consent information are not shared
with any third parties and are excluded from all information-sharing practices
described in this Privacy Policy.
If you are a California resident, there is a separate document outlining your privacy
rights and choices that complies with California law with respect to NPI. You may
print, fill out, and mail to us the California-specific
form
. This document allows you to opt out of NPI sharing with affiliates
and companies we do business with to provide financial products and services.
If you are a Vermont resident, 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.
If you are a North Dakota resident, we will not share information we collect
about you with non-affiliated third parties, except as permitted by law, such
as to process your transactions or to maintain your account.
Under the federal Fair Credit Reporting Act, there is certain information about
you that we may not share with our affiliates if you tell us not to by signing and
returning the form provided below. This information may include, among other things,
the following:
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Information we obtain from your loan application, such as your income, assets and
liability information, and marital status;
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Information we obtain from a consumer report, such as your credit score or credit
history;
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Information we obtain to verify representations made by you, such as other financial
obligations you may have; and
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Information we obtain from a person or company regarding that person’s or company’s
employment, credit or other relationship with you, such as your current employment
relationship or what debts you owe.
The categories of affiliated companies who may receive the above information include:
- Financial service providers, such as an insurance agency; and
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Non-financial companies, such as companies that perform property evaluation services.
Please note that even if you direct us not to share the information described
in Section 3, we are permitted to share with our affiliates information about transactions
or experience between you and us.
Under law, we may disclose NPI or other personal information about you that we
maintain or collect, as described in Section 1, to companies that perform services
on our behalf or to other financial institutions with which we have joint marketing
agreements. The categories of third parties providing these services may include,
among others the following:
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Financial service providers such as credit card issuers, finance companies, insurance
agencies or companies, banks and mortgage companies; and
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Other service providers such as tax vendors, legal advisors, software service
providers, print vendors, software programmers, reconveyance companies, mortgage
insurance providers and property evaluation companies
When we process NPI, we restrict access to that NPI about you to those employees
who need to know that information and to those companies or individuals that provide
services to us, and in order to provide or offer products or services to you. We
maintain physical, electronic, and procedural safeguards that comply with federal
regulations to guard your NPI.
You should always be aware of your security when logging into your personal email and
take precautions to keep your email secure. Remember that anyone who has access to
your email inbox will have access to your email communications. To unsubscribe from
email communication, log-in to your SPS account and update your profile settings.
Our privacy policy for nonpublic personal information about former customers is
the same as our policy for current customers.
You may opt out and thereby limit our use of your NPI detailed above.
- Nonaffiliated third parties as described in Section 2, and
- Affiliated third parties as described in Section 3.
Additionally, depending on your location and the nature of your interactions
with our SPS, you may also request the following in relation to other personal
information:
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Information about how we have collected and used personal information. We
have made this information available to you without having to request it
by including it in these Practices and Policy.
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Access to a copy of the personal information that we have collected about
you. Where applicable, we will provide the information in a portable, machine-readable,
readily usable format.
- Correction of personal information that is inaccurate or out of date.
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Deletion of personal information that we no longer need to provide our services
to you or for other lawful purposes.
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Opt out of the sharing of your personal information or use of your information
for interest-based advertising. We may share information with third-party
advertising partners. Our disclosure of information to these partners may
be considered a “sale” or “sharing” of personal information
or “targeted advertising” under applicable laws. You can opt out
of these disclosures and limit our use of tracking technologies as described
below.
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Opt out of “profiling” in connection with decisions that produce
legal or similarly significant effects. We do not engage in profiling in connection
with decisions that produce legal or similarly significant effects.
- Appeal our denial of your personal information request.
To exercise any of these requests or to ask any questions, please contact us
at
ombudsman@spservicing.com
or 1-866-662-0035 from Monday to Friday, 10:00 AM – 7:00 PM ET.
SPS automatically collects and / or tracks (or reserves the right to collect
or track):
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The home server domain names, e-mail address, type of client computer, and type
of Web browser of visitors to this site,
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The e-mail address of visitors that communicate with SPS via e-mail, post
messages to SPS's chat groups or rooms,
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Information knowingly provided by the visitor in on-line forms, registration forms
and surveys (“Registration Data”), and
- A user specific information on what page visitors access
When you visit our website, SPS also places Internet cookies on your browser.
The Internet cookies we use save the visitor’s name, password, user-name, screen
preference, the page of the Company’s website viewed by the visitor, and the
advertisements (if any) or links viewed or clicked by the visitor. When the visitor
revisits SPS's website, the Company will recognize the visitor by the Internet
cookie and may customize the visitor’s experience accordingly. Internet cookies
are stored on the visitor’s browser and are not stored, in any form, by SPS. Visitors
may decline the Internet cookie by using the appropriate feature of the browser,
if available. There are a number of ways to opt out of having your online activity
and device data collected, which we have summarized below:
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Most browsers let you remove or reject cookies, including cookies used for
interest-based advertising. To do this, follow the instructions in your browser
settings. Many browsers accept cookies by default until you change your settings.
For more information about cookies, including how to see what cookies have
been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
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You can block our website from setting cookies by using a browser with privacy
features, like Brave, or installing browser plugins
like Privacy Badger, DuckDuckGo,
Ghostery or uBlock Origin, and configuring them to block
cookies/trackers.
Note that because these opt-out mechanisms are specific to the device or browser
on which they are exercised, you will need to opt out on every browser and device
that you use. Additionally, some Internet browsers may be configured to send “Do
Not Track” signals to the online services that you visit. We currently do
not respond to “Do Not Track” or similar signals. To find out more
about “Do Not Track,” please visit
www.allaboutdnt.com.
SPS may require visitors and / or customers to provide certain identifying information
(“Registration Data”) in order to access certain services (e.g., online payment
rights) and information or restricted areas within its website. Such information
would be found in our online registration forms. This information may include your
legal name, address, telephone number, e-mail address, screen name, area of interest,
passwords, methods of payment, and credit card number(s). SPS reserves the right
to request any additional information necessary to establish, verify or maintain
your account incidental to the exercise of on-line payment options, and other interactive
customer service options. Registration Data is subject to and protected by the
Electronic Communications Privacy Act.
SPS maintains a secure area on this site for the transmission of Registration Data,
and stores all Registration Data in a private database not connected to the Internet.
SPS uses reasonable organizational, technical, and administrative measures designed
to protect against unauthorized access, misuse, loss, disclosure, alteration, and
destruction of personal information we maintain. Unfortunately, data transmission
cannot be guaranteed as completely secure. Therefore, while we strive to protect
your NPI and other personal information, we cannot guarantee the security of NPI
and other personal information.
You may access your Registration Data at any time by contacting SPS via postal mail,
e-mail, or phone in which event you will either be provided with a hard copy or
password protected access to a summary of any personal information retained by the
Company regarding you.
If your password is stolen or used without your permission, immediately notify SPS.
Upon notification, SPS will cancel your password and update your records. You may
be unable to access certain information or services until SPS processes the change.
Although SPS will use all reasonable efforts to safeguard the confidentiality of
Registration Data and your personal non-public information consistent with these
privacy practices and policies, transmissions made by means of the Internet cannot
be made absolutely secure. SPS will have no liability for the disclosure of Registration
Data or personal non-public information due to errors in transmission or unauthorized
interception or acts of third parties. Although SPS will use all reasonable efforts
to safeguard the confidentiality of Registration Data and your personal non-public
information consistent with these privacy practices and policies, transmissions made
by means of the Internet cannot be made absolutely secure. SPS will have no liability
for the disclosure of Registration Data or personal non-public information due to
errors in transmission or unauthorized interception or acts of third parties.
SPS will not intentionally collect or post information from children under the
age of eighteen (“Children” or “Child”) without their parent’s or guardian’s consent.
SPS does not intentionally provide any personal identifying information collected
from Children, regardless of its source, to any third party for any purpose whatsoever.
No information collected from Children is used for any marketing or promotional
purposes whatsoever, either inside or outside the Company.
SPS reserves the right to change or update these Privacy Practices and Policies,
or any other policy or practice of the Company, at any time upon reasonable notice
to users of the site. Any change or update will be noted and posted to the site.
If we make material changes to these Privacy Practices and Policies, we will let
you know.
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