DISCLOSURE FOR CALIFORNIA USERS:
PHH 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 WEBSITE OR THE SERVICES OFFERED ON OUR WEBSITE. 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 METHODS PLEASE EMAIL US AT email@example.com.
DISCLOSURE FOR CALIFORNIA CONSUMERS:
We collect information by specifically requesting it from you. Generally this occurs when you register at the Website or request information or a service. Usually, we and our service partners use your information to operate the Website and to deliver value-added services to you. Our Website also uses 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:
Aggregated Usage Tracking
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 our advertisers understand our audience.
Use of Internet Protocol (IP) Addresses
An IP address is a unique number that is automatically assigned to your computer whenever you're surfing the Internet so that your computer can be identified by the main computers known as web servers that "serve up" or display web pages.
With whom does Ocwen Financial 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, social security number, loan number, e-mail 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.
Former Customers of Ocwen Financial Corporation
In the event you cease to be a customer of ours for any reason, we will maintain and disclose your information consistent with the privacy policies and practices that apply to our then-current customers. Please note, however, you will no longer receive annual Privacy Pledges once you cease being a customer of ours.
What happens when you link to a third-party site?
You should be aware that when you are on our Website you could hyperlink or be directed to other websites 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 the Website. These other websites may include websites of advertisers, sponsors and partners that may use the logo of Ocwen Financial Corporation as part of a co-branding agreement. These other websites may send their own cookies to Customers, collect data, or solicit information.
Ocwen Financial Corporation does not control such websites, and, therefore, is not responsible for their contents or the hyperlinks or advertising they choose to place on such websites. The inclusion of hyperlinks to these websites by Ocwen Financial Corporation does not imply any endorsement of the material on such websites or any association with their operators. The policy of Ocwen Financial Corporation does not extend to anything that is inherent in the operation of the Internet, which is beyond the control of Ocwen Financial Corporation.
Please keep in mind that whenever you give out information online (for example, via message boards or chat) that information can be collected and used by people you don't know. While Ocwen Financial Corporation strives to protect their Customers' information and privacy, we cannot guarantee the security of any information you disclose online, and you disclose such information at your own risk.
Is my information secure from others using the Website?
The security of all information associated with our Customers is an important concern to us, so Ocwen Financial Corporation employs industry standard practices and complies with federal regulations in regard to web-based services and confidentiality of customer data. Our controls include strong user authentication and encryption via 128 bit SSL (Secure Sockets Layer) protocols on all webpages on the Website where any non-public personally identifiable information is provided or displayed. Ocwen Financial Corporation has developed a "default deny" network security strategy utilizing multiple layers of security including routers, multiple firewalls, a DMZ (demilitarized zone) hosting all web services with all data maintained safely on secured internal networks that is dynamically retrieved only through authorized proxy services. We exercise care in providing secure transmission of your information from your computer to our servers. All Internet-based communications with us have been designed to protect the information sent to and from our Website from unauthorized access or interception. 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. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your information, Ocwen Financial Corporation can't ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk.
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