Effective Date: November 2, 2012

Thank you for visiting www.mortgageoversight.com, a site presented to you by The Office of Mortgage Settlement Oversight. We know that your privacy is important to you, so we provide this privacy statement to explain the type of information we collect, how we use it, and when we share it. We also describe the choices you can make about the way your information is collected and used.

Information We Receive

We receive information if you choose to fill out either form on the “Report My Loan Issue” or “Report Client/Constituent Loan Issues” pages. When filling out the forms on our site, as appropriate, you may be asked to enter your name, e-mail address, mailing address or phone number. We also ask for information about the issues you are reporting to us regarding a mortgage. The “Report Client/Constituent Loan Issues” form permits you to submit additional information of your choice. If you direct us to share information with the financial institution that serviced the mortgage at issue, then we also will ask for the loan account number. Otherwise, please do not include other financial account numbers, Social Security numbers or similar financial information through this online form.

In some cases, you may also provide information on behalf of another person, such as a client you represent. You may not use this site to submit information on behalf of another person unless you have that person’s permission to do so.

Automatic Information Collection and Opt Out Information

This website uses cookies to track information such as the number of visitors, which features of the site were used and how often, and referring and exiting web page URLs. We use that information at an aggregate level to evaluate our website’s performance and our visitors’ preferences. For example, we use Google Analytics to help us understand and evaluate our web traffic. We do not allow other third parties to track your activity on our site.

You may choose to opt out of Google Analytics. In addition, some web browsers incorporate a “Do Not Track” feature that signals the websites you visit that you do not want to have your online activity tracked. How each browser type communicates the Do Not Track signal is not yet uniform so we cannot guaranty that this site or its tracking features will respond to all Do Not Track signals. Finally, you also may block cookies using your browser settings, which may prevent certain features of our site from functioning properly.

How We Use the Information 

Any of the information we collect from you may be used in the following ways:

• To assist the Monitor in administering the national mortgage settlement. Your information helps the Monitor to evaluate how servicers are treating their customers and whether they are engaged in a pattern or practice of noncompliance with the settlement.
• To assist individuals in advancing their inquiries or complaints about mortgages or mortgage lending practices.
• To communicate with you. The email address or other contact information you provide may be used to send you information, respond to inquiries, and/or other requests or questions.
• To improve our website. We use information and feedback we receive from you to improve our website.

When We Share Information

We may share information we collect with other parties. For example, we may share information about you with servicers in order to address their servicing practices. We also may share your information:

• With individuals and organizations who assist the Monitor with his responsibilities pursuant to the settlement;
• With parties to the settlement agreement if reasonably necessary to administration of the settlement and related matters;
• With the financial institution that serviced the mortgage at issue, if you direct us to do so;
• With service providers, who are only authorized to use information to perform services on our behalf or for limited administrative purposes, such as complying with legal requirements;
• When reasonably requested or required by judicial bodies, law enforcement authorities or other government officials;
• When otherwise required by law or in response to legal process;
• When we believe disclosure is appropriate to prevent physical harm or financial loss;
• When reasonably necessary to an investigation of suspected or actual illegal activity;
• As needed to protect the vital interests of an individual; and
• In the event we transfer our responsibilities under the settlement arrangement to another organization or person.

Information Security

We maintain administrative, physical, and technical safeguards intended to protect against the loss, misuse, or unauthorized accessing of information we receive through this site. Information you transmit through the “Report My Loan Issue” or “Report Client/Constituent Loan Issues” pages is transmitted using a secure protocol.

Links to Other Sites

We may provide links to other websites for your convenience and information. These sites may not be owned, controlled, or operated by us. In those cases, we cannot control how information collected by those sites will be used, shared or secured. If you visit linked sites, we strongly suggest that you review the privacy statements or policies posted at those sites. We are not responsible for the content of linked sites, your use of them, or the information practices of their operators.

Changes to our Privacy Statement

If we decide to change our privacy practices, we will post those changes on this page and update the effective date above. If we make any material changes to our privacy practices, we will ask for your permission before we apply any of those changes to information we received before the privacy statement was updated.

Contacting Us
If there are any questions regarding this privacy statement you may contact us through this website.