Effective December 5, 2014
We at “PHH Corporation” (referred to as "www.phh.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 Corporation Collect Information?
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 Corporation 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 Corporation understand our audience.
Use of Internet Protocol ("IP") Addresses
DISCLOSURE FOR CALIFORNIA USERS: PHH Corporation 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@example.com.
With whom does PHH Corporation 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.
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.
How do I update my information?
PHH Corporation 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 Corporation 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 Corporation site. These other sites may include sites of advertisers, sponsors and partners that may use the logo of PHH Corporation as part of a co-branding agreement. These other sites may send their own cookies to Customers, collect data, or solicit information. PHH Corporation does not control such third-party sites, and, therefore, PHH Corporation is not responsible for their contents or the hyperlinks or advertising they choose to place on such sites. PHH Corporation‘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 Corporation 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 Corporation 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 Corporation’s website or our Privacy Statement may be directed to firstname.lastname@example.org or in writing at PHH Corporation, Attn: Digital Media, 3000 Leadenhall Rd. Mount Laurel, NJ 08054.
YOUR ACCEPTANCE OF THESE TERMS