Protection of the Privacy of Personal Non-Public Information
WHAT DOES FAY SERVICING 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 income;
- Account balances, mortgage rates, and payments;
- Account transactions and credit scores.
When you are no longer our customer, we may 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 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?|
|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 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. However, you can contact us at any time to limit our sharing.
|Who we are|
|Who is providing this notice?||Fay Servicing, LLC (“Fay Servicing”).|
|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.|
|How does Fay Servicing collect my personal information?||We collect your personal information, for example, when you:
|Why can’t I limit all sharing?||Federal law gives you the right to limit only:
|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.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include Constructive Insurance, LLC, Constructive Loans, LLC, Constructive Renovations, LLC, GenStone, LLC and each of its Protected Series, Constructive Lending, LLC, and Title Clearing & Escrow, LLC.|
|Non-Affiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non-affiliates with which we may share include mortgage companies, insurance companies, and nonprofit organizations.|
|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 the call.|
|Nevada. 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 220720, Chicago, IL 60622; Phone number - (800) 495-7166.|
|Vermont. In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, except as permitted by law, such as with your consent, with other financial institutions with which we have joint marketing agreements, or as otherwise necessary to service your accounts. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.|
|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.|
Fay Servicing, LLC (“Fay Servicing”) operates the website at www.fayservicing.com. We respect the privacy of each user of the website.
|Location of Servers and Transfer of Information to the United States|
|Our hosting services maintain their systems in accordance with reasonable industry standards to reasonably secure the information of its customers. However, no data transmission over the Internet can be guaranteed to be 100% secure. “Perfect security” does not exist on the Internet, and you use the website at your own sole risk.|
The information contained on this website is provided as a service to the Internet community, and does not constitute legal or financial advice. Fay Servicing makes every effort to provide quality information, but we make no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the information, text, or other items contained in or linked to this website and its associated sites.
Fay Servicing and its associates assume no responsibility for any errors or omissions in the materials contained on this website. These materials are provided “as is” without warranty of any kind, either expressed or implied. Fay Servicing and its associates shall not be liable for any special, indirect, incidental, or consequential damages, including without limitation, lost revenues or lost profits, which may result from the use of these materials. The information on this website is subject to change without notice and does not represent a commitment on the part of Fay Servicing or its associates in the future.