Privacy Practices and Policy | Select Portfolio Servicing

Important Notice Regarding Your Privacy Rights

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.

Section 1: Information We Maintain or Collect

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:

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.
Information about your transactions with us, our affiliates, or other parties, such as your payment history, account balance, and parties to transactions.
Information we receive from consumer reporting agencies, such as your credit worthiness and credit history.
Information we receive regarding your preferences for receiving our marketing communications and details about your engagement with them.
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.

Section 2: Information Sharing with Nonaffiliated Companies

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:

Financial service providers such as credit card issuers, finance companies, insurance companies, banks, and mortgage companies; and
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.

California Residents

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.

Vermont Residents

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.

North Dakota Residents

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.

Section 3: Information Sharing with Our Affiliates

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:

Information we obtain from your loan application, such as your income, assets and liability information, and marital status;
Information we obtain from a consumer report, such as your credit score or credit history;
Information we obtain to verify representations made by you, such as other financial obligations you may have; and
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
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.

Section 4: Information Sharing with Companies That Perform Services on our Behalf

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:

Financial service providers such as credit card issuers, finance companies, insurance agencies or companies, banks and mortgage companies; and
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.

Section 5: Confidentiality and Security of Information

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.

Section 6: Email Privacy

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.

Section 7: Former Customers

Our privacy policy for nonpublic personal information about former customers is the same as our policy for current customers.

Section 8: Your Rights

You may opt out and thereby limit our use of your NPI detailed above.

By printing, completing, and returning this form, you may opt out and direct us not to disclose your NPI, except as permitted by law, to:

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:
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.
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.
Deletion of personal information that we no longer need to provide our services to you or for other lawful purposes.
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.
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.comor 1-866-662-0035 from Monday to Friday, 10:00 AM – 7:00 PM ET.

Section 9: Cookies / Collection / Tracking

SPS automatically collects and / or tracks (or reserves the right to collect or track):

The home server domain names, e-mail address, type of client computer, and type of Web browser of visitors to this site,
The e-mail address of visitors that communicate with SPS via e-mail, post messages to SPS's chat groups or rooms,
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:

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.
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.

Section 10: User Access to Information Collected

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.

Section 11: Lost or Stolen Information

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.

No Liability for 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. 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.

Collection of Personal Data from Children

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.

Section 12: Updates

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.

Legal Disclaimers

This policy was last updated 09/2026