NYC Rules on Language Services and Rights
Have you been impacted by recent natural disasters? Click here to get disaster relief information.
Privacy Policy
WHAT DOES FAY SERVICING DO WITH YOUR PERSONAL INFORMATION?
Why?
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.
What?
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 other government issued identifiers, income, account balances, mortgage rates and payments, account transactions, credit scores, characteristics protected under Federal law, biometric information, geolocation data, employment-related information and internet and electronic network activity,
-
Identifiers. This may include a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, government-issued identifiers, such as Social Security number, driver's license number, and passport number.
-
Personal Information Under State or Federal Records Law. This may include a name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
-
Characteristics of Protected Classification under State or Federal Law. This may include age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
-
Commercial information. This may include transaction information and records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
-
Biometric information. This may include fingerprints, faceprints, voiceprints and other biological or behavioral characteristics that can be used to establish your identity.
-
Geolocation Data. This may include physical location or movements (such as device location and Internet Protocol (IP) location).
-
Sensory Data. This includes audio, electronic, visual and similar information, such as call and video recordings.
-
Professional or employment-related information. This may include current or past job history or performance evaluations.
-
Non-Public Education Information. This is non-public education information under the Family Educational Rights and Privacy Act, and may include education records directly related to a student maintained by an educational institution or party acting on its behalf, such as report cards, transcripts, class lists, student schedules, student identification codes, student financial information, and student disciplinary records
-
Internet and Electronic Network Activity Information. This may include browsing history, search history, interactions with our website or apps, details about your devices, and information form cookies and similar tracking tools. See below for additional information about cookies.
-
Inferences From Other Personal Information. This includes inferences from your Personal Information to create a profile about, for example, your preferences and characteristics.
-
Sensitive Personal Information. This may include a Social Security number, driver’s license, state identification car, or passport number; an account log-in; financial account, debit card, or credit card number along with any security or access code, password, or other credentials allowing account access; precise geolocation; racial or ethnic origin, religious or philosophical beliefs; or union membership; contents of mail, email, and text messages unless Genstone is the intended recipient; genetic data; neural data; which mean information that is generated by measuring the activity of a consumer’s central or peripheral nervous system, & from nonneural information; biometric information used for the purpose of uniquely identifying a consumer; ; personal health information; information concerning a consumer’s sexual orientation and/or practices; and personal information of consumers that are less than 16 years of age.
How?
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 Fay Servicing chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Fay Servicing share?
Can you limit this sharing?
Who we are
Who is providing this notice?
Fay Servicing, LLC. We may be referenced from time to time as Fay Servicing.
For our everyday business purposes — such as to process your transactions, maintain your accounts, 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
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates’ everyday business purposes — information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes — information about your creditworthiness
Yes
Yes
For our affiliates to market to you
Yes
Yes
For our non-affiliates to market to you
Yes
Yes
To limit our sharing: Send us the MAIL-IN FORM.
Please note: If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions: Call 1-800-495-7166 or go to www.FayServicing.com
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
What we do
How does Fay Servicing protect my personal information?
Fay Servicing considers the protection of personal information to be a foundation of customer trust and a sound business practice. We employ physical, electronic, and procedural controls, and we regularly adapt these controls to respond to changing requirements and advances in technology. Within our office we restrict access to your information to those who require it to develop, support, offer, and deliver products and services to you.
We use a variety of technical, administrative, and organizational security measures, including encryption and authentication tools in certain circumstances, to maintain the safety of your personal data. The security of your data is important to us but remember that no environment or security procedures or protocols is 100% secure or error-free. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
If you have registered for a Fay Servicing website or a hosted website, we recommend that you do not divulge your password to anyone. We will never ask you for your password in an unsolicited phone call or in an unsolicited email. Also remember to sign out of the registered site and close your browser window when you have finished your work. This is to ensure that others cannot access your Personal Information and correspondence if others have access to your computer.
How does Fay Servicing collect my personal information?
We collect your personal information, for example, when you:
Provide us with your employment, income, account, or mortgage information, make a wire transfer, or interact with our websites or applications.
We also collect your personal information from others, such as credit bureaus, affiliates, other companies, .
You. We obtain your Personal Information when you give it to us. For example, when you contact us by email or telephone, or by any other means, when you use our websites, create an account with us, or use our services.
Social Media. We collect Personal Information that you choose to make public, including via social media. For example, we may collect information from your social media profile(s) to the extent that you choose to make your profile publicly visible.
Website or Mobile App Activity. We collect or obtain Personal Information when you visit any of our Sites or use any features or resources available on or through a Site. When you visit a Site, your device and browser may automatically disclose certain information (such as device type, operating system, browser type, browser settings, IP address, language settings, dates and times of connecting to a Site and other technical communications information), some of which may constitute Personal Information. We may also receive this information from other companies, such as security service providers and advertising partners.
Service Providers. We may collect your Personal Information from service providers that support our ability to offer products and services to you, including as insurance services, tax-related services, title services, settlement services, bankruptcy services, foreclosure services, website hosting, data analysis, payment processing, information technology and related infrastructure, customer service, email delivery, auditing, marketing and marketing research activities.
Third Party Partners. Partners and Third Parties who provide services such, legal expertise, tax expertise, notaries and auditors, and others.
Loan and Servicing Transactions. We collect your Personal information when we engage in transactions with other businesses. For example, we may acquire your Personal Information if we purchase or acquire your loan, purchase or acquire your servicing rights to a loan, or if we subservice your loan for another person.
Affiliates. We acquire your Personal Information from one of our affiliates or subsidiaries.
Public Record Sources. We acquire your Personal Information from Federal, State or Local Government Sources.
Business Customers. Information from business customers about individuals associated with the customers (e.g., an employee or board member).
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 non-affiliates to market to you
-
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account—unless you tell us otherwise.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
-
Some of our affiliates include financial services companies with the “Genstone” name such as an insurance broker named Genstone Insurance, a loan originator named Genstone Financial, a real estate brokerage company such as Genstone, LLC doing business as Genstone Realty. Our affiliates also include a title and settlement company named Title Clearing and Escrow, LLC and a mortgage originator named VanDyk Mortgage Corporation.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
-
Non-affiliates with which we may share include the owner of you loan, mortgage companies, lenders, insurance companies, customer service providers, credit reporting agencies, federal government agencies, and nonprofit organizations.
-
Government Agencies. Government and regulatory agencies as required by law and regulation.
-
Service Providers. We may collect your Personal Information from service providers that support our ability to offer products and services to you, including as insurance services, tax-related services, title services, settlement services, bankruptcy services, foreclosure services, website hosting, data analysis, payment processing, information technology and related infrastructure, customer service, email delivery, auditing, marketing and advertising partner, and marketing research and analytics activities.
-
Third Party Partners. Partners and Third Parties who provide services such, legal expertise, tax expertise, notaries and auditors, and others.
-
Owner of your Loan. If we act as the servicer of your mortgage loan for a third party, we provide your Personal Information to the owner of your loan or the owner of the servicing rights to that loan.
-
Data Aggregators.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
-
Our joint marketing partners include mortgage loan originators, who may be able to help you lower your interest rate or your monthly payment, and other financial institutions.
Other Important Information
Do Not Call Policy. This notice is the Fay Servicing Do Not Call Policy notice under the Telephone Consumer Protection Act. We do not solicit via phone numbers listed on the state or federal Do Not Call lists, unless the law permits. Fay Servicing associates receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Fay Servicing will be placed on the Fay Servicing Do Not Call list and will not be called in any future campaigns, including those of Fay Servicing affiliates. If you communicate with us by telephone, we may monitor or record the call.
For Nevada residents only. We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; email: BCPINFO@ag.state.nv.us. Fay Servicing, P.O. Box 814609, Dallas, Texas 75381; Phone number- 1.800.495.7166.
Vermont: In accordance with Vermont law, 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 permitted by Vermont law, unless you authorize to make those disclosures.
California: In accordance with California law, we will not share information we collect about you with companies outside of Fay Servicing, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.
Property Located in Texas: Complaints regarding the servicing of your mortgage should be sent to the Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201 Austin, TX 78705. A toll-free consumer hotline is available at 1-877-276-5550. A complaint form and instructions may be downloaded and printed from the Department's website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at smlinfo@sml.texas.gov.
For loans originated pursuant to the OCCC: For questions or complaints about this loan, contact Fay Servicing LLC at 800-495-7166 or visit our website at www.fayservicing.com or write to us at 3000 Professional Drive, Suite A, Springfield, IL 62703. Fay Servicing LLC is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov.
For Insurance Customers: The term "Information" in this part means customer information obtained in an insurance transaction. We may give your Information to state insurance officials, law enforcement, auditors as the law allows or requires. We may give your Information to insurance support companies that may keep it or give it to others. To see your Information, write Privacy Department: P.O. Box 809441 Chicago, IL 60680-9441. You must state your full name, address, the insurance company, policy number (if relevant) and the Information you want. We will tell you what Information we have. You may ask that we mail you a copy for a fee. If you think any Information is wrong, you must write us. We will let you know what actions we take. If you do not agree with our actions, you may send us a statement.
Fay Servicing U.S. legal entities
Fay Servicing U.S. legal entities that utilize the names: Fay Servicing, LLC; Fay Financial, LLC; Fay Management, LLC, and Fay Investments, LLC.
Contact Information
If you have any questions regarding our privacy policies, our California Privacy Statement, the ways in which we collect, use, disclose, and sell or share your Personal Information, or how to exercise your rights under the CCPA, please do not hesitate to contact us at:
Website: www.fayservicing.com
Phone: 800-495-7166
Postal Address: P.O. Box 814609, Dallas, Texas 75381