This California Privacy Statement is for California Residents only and supplements the Privacy Notice found at https://faymortgage.com/uploads/pages/Fay_Mortgage_Privacy_Policy.pdf. This policy describes the personal information that Fay Mortgage (“we,” “our,” or “us”) collects in the course of its business, explains how this information is collected, used, shared, and disclosed, describes rights provided by the California Consumer Privacy Act of 2018 (CCPA) to California Residents (“consumers” or “you”) regarding their personal information, and explains how consumers can exercise those rights.
We may collect, use, or share your personal information. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household (“personal information”). “Personal information” does not include: (1) publicly available information, such as information that is lawfully made available from federal, state, or local records, and (2) de-identified or aggregate consumer information.
With a limited exception, and as noted in other sections of this privacy policy, certain provisions of the CCPA do not apply to:
As described in more detail below, the CCPA provides you with certain rights regarding the collection, use, retention, and disclosure of your personal information.
You have the right to request that we provide you with certain information about the personal information we collect, use, or disclose about you as well as the categories and specific pieces of information that we have collected about you in the 12 months before your submission of a verifiable consumer request. Specifically, you have the right to request the following information:
A household may request to know aggregate household personal information by submitting a verifiable consumer request. Also, if all consumers in a household jointly request access to specific pieces of information for the household, and we can individually verify all the members of the household, then we will comply with the request.
However, there is certain information that we will not disclose to you. This information includes but is not limited to your Social Security number, driver license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, or security questions and answer.
This right does not apply to Business Consumers.
The CCPA requires us to disclose certain information regarding our collection, use, and sharing of personal information. The following table outlines the categories of personal information that we have collected about consumers in the last 12 months. For each category, if applicable, we have identified the categories of sources from which that information was collected, the business or commercial purpose(s) for which the information was collected, and the categories of third parties with whom we share personal information.
Business or commercial purposes are defined as follows:
Categories of Personal Information | Have We Collected This Personal Information in the Last 12 Months? | The Categories of Sources From Which the Personal Information Is Collected | The Business or Commercial Purpose(s) for Which the Information Is Collected, Used, and/or Shared | The Categories of Service Providers and Third Parties With Whom We Share Personal Information |
Identifiers. This may include a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. | Yes |
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Fay may provide personal information to its service providers and third parties including insurance-related providers, tax-related service providers, government agencies, foreclosure companies or firms, bankruptcy firms, title companies, and the owner of the loan. |
Personal information described in the California Customer Records Statute (Cal. Civ. Code § 1798.80(e)). 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. | Yes |
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Fay may provide personal information to its service providers and third parties including insurance-related providers, tax-related service providers, government agencies, foreclosure companies or firms, bankruptcy firms, title companies, and the owner of the loan. |
Characteristics of Protected Classification under California 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). | Yes |
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Fay may provide personal information to its service providers and third parties including insurance-related providers, tax-related service providers, government agencies, foreclosure companies or firms, bankruptcy firms, title companies, and the owner of the loan. |
Commercial information. This may include records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Yes |
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Fay may provide personal information to its service providers and third parties including insurance-related providers, tax-related service providers, government agencies, foreclosure companies or firms, bankruptcy firms, title companies, and the owner of the loan. |
Biometric information. This may include genetic, physiological, biological, or behavioral characteristics that can be used, singly or in combination with each other or with other identifying data, to establish your identity, including deoxyribonucleic acid (DNA), fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | No | N/A | N/A | N/A |
Internet and Electronic Network Activity Information or other similar network activity. This may include browsing history, search history, or information on a consumer’s interaction with a website, application, or advertisement. | Yes |
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Fay may provide personal information to its affiliated businesses and service providers. |
Geolocation data. This may include physical location or movements. | No | N/A | N/A | N/A |
Sensory data. This may include audio, electronic, visual, thermal, olfactory, or similar information. | Yes |
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Fay may provide personal information to its service providers and third parties including insurance-related providers, tax-related service providers, government agencies, foreclosure companies or providers, tax-related service providers, government agencies, foreclosure companies or firms, bankruptcy firms, title companies, and the owner of the loan. |
Professional or employment-related information. This may include current or past job history or performance evaluations. | Yes |
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Fay may provide personal information to its service providers and third parties including insurance-related providers, tax-related service providers, government agencies, foreclosure companies or firms, bankruptcy firms, title companies, and the owner of the loan. |
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. § 1232g, 34 C.F.R. Part 99)). This 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. | Yes |
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Fay may provide personal information to its service providers and third parties including insurance-related providers, tax-related service providers, government agencies, foreclosure companies or firms, bankruptcy firms, title companies, and the owner of the loan. |
Inferences drawn from other personal information. This may include information, data, assumptions, or conclusions derived from facts, evidence, or another source of information or data reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes. | No | N/A | N/A | N/A |
We may disclose your personal information to service providers and third parties in order to carry out specific business or commercial purposes. In the preceding 12 months, Fay may have disclosed personal information for business or commercial purposes to its service providers and third parties including insurance-related providers, tax-related service providers, government agencies, foreclosure companies or firms, bankruptcy firms, title companies, and the owner of the loan.
In the last 12 months, we have disclosed the following categories of personal information (as described in more detail above) for a business or commercial purpose:
We have not sold any personal information in the past 12 months. Further, we do not and will not sell any personal information. We do not sell the personal information of minors less than 16 years of age.
You have the right to request that we delete any personal information that we have collected from you and maintained about you. Once we receive and confirm your verifiable consumer request, if we determine that we must comply with a deletion request and delete your personal information from our records, we will also direct any service providers we work with to also delete your personal information from their records.
A household may request the deletion of aggregate household personal information by submitting a verifiable consumer request. If all consumers in a household jointly request deletion of household personal information, and we can individually verify all the members of the household, then we will comply with the request.
Please note that we may deny your deletion request for a number of different reasons, which are identified in the CCPA.
This right does not apply to Business Consumers.
To exercise your Right to Know or Right to Delete, please submit a verifiable consumer request to us by either:
To submit a verifiable consumer request, you may be asked to provide the following information:
Only you (or an authorized agent) may make a verifiable consumer request for your personal information or to delete your personal information.
We will generally avoid requesting additional information from you to verify you. However, if we cannot verify your identity based on the information we currently maintain, we may request additional information from you, which will only be used to verify your identity and for security or fraud-prevention purposes. We will delete any new personal information we collect to verify your identity as soon as practical after processing your request unless otherwise required by the CCPA.
Generally, if we are unable to verify your identity, we will inform you of this inability and explain why we were unable to do so.
We are not required to respond to more than two Requests to Know in any 12-month period.
Once we receive your verifiable consumer request, we will confirm our receipt of your request within 10 days and provide you with additional information about how we will process the request. Our goal is to respond to your request within 45 days of receiving the request, beginning on the day we receive the request. However, in the event that we need more time (up to 90 days) to respond to your request, we will provide you with notice and an explanation of the reasons that we will take more than 45 days to respond. Any disclosures we provide will cover the 12-month period preceding the verifiable consumer request’s receipt. If we are unable to comply with a given request, we will provide you with a response explaining why we have not taken action on your request and identifying any rights you may have to appeal the decision.
We will not charge you to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
You may designate an authorized agent to make a request on your behalf. If you would like to use an authorized agent, which is an individual or business registered with the Secretary of State that you have authorized to act on your behalf, to submit a request to opt-out, you must provide the authorized agent with written permission to do so and verify your own identity directly with us. We may deny a request from an agent that does not submit proof that they are authorized to act on your behalf.
We will not discriminate against you for exercising any of your CCPA rights. For example, unless otherwise permitted by the CCPA, we will not:
We are required by law to update this California Privacy Statement at least once each year. This California Privacy Statement was last updated on 01/09/2020.
If you have any questions regarding our privacy policies, our California Privacy Statement, the ways in which we collect, use, disclose, and sell your personal information, or how to exercise your rights under the CCPA, please do not hesitate to contact us at:
Phone: 833-957-1188
Website: www.faymortgage.com
Postal Address: 901 S. 2nd St., Ste. 201, Springfield, IL 62704
Fay Mortgage Services is a division of Fay Servicing, LLC.
Illinois Residential Mortgage Licensee NMLS ID 88244. Illinois Department of Financial and Professional Regulation.
425 S. Financial Place, Suite 2000, Chicago, IL 60605.
© 2022 Fay Mortgage Services. All rights reserved.