Privacy Policy

1. Introduction

Ultra Servicing ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our loan and payment servicing platform. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

2. Information We Collect

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our loan servicing platform
• Process payments and manage loan accounts
• Send you account statements, payment reminders, and notices
• Respond to your inquiries and provide customer support
• Detect, prevent, and address fraud and security issues
• Comply with legal obligations and regulatory requirements
• Improve and personalize your experience
• Send you marketing communications (with your consent)
• Analyze usage patterns and improve our services

4. Disclosure of Your Information

We may share your information in the following situations:

• Service Providers: We may share your information with third-party vendors, service providers, and contractors who perform services on our behalf, such as payment processing, data analysis, and customer service.
• Business Transfers: We may share or transfer your information in connection with a merger, sale of company assets, financing, or acquisition of all or a portion of our business.
• Legal Requirements: We may disclose your information when required by law, court order, or other legal process, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Loan Investors and Servicers: We may share information with loan investors, co-servicers, or other parties involved in the loan servicing process as necessary to fulfill our contractual obligations.
• Credit Reporting Agencies: We may report account information to credit bureaus in accordance with applicable laws.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure socket layer (SSL) technology, firewalls, and secure access controls. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our service and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access to the personal information we hold about you
• Correction of inaccurate or incomplete information
• Deletion of your personal information (subject to legal retention requirements)
• Restriction or objection to certain processing activities
• Data portability
• Withdrawal of consent where processing is based on consent
• Opt-out of marketing communications

To exercise these rights, please contact us using the information provided below. Please note that certain information may be retained as required by law or for legitimate business purposes.

8. Third-Party Websites

Our service may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us, and we will take steps to delete such information.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Financial records and loan servicing information may be retained for extended periods in accordance with regulatory requirements and industry standards.

11. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. We will take appropriate steps to ensure that your personal information receives an adequate level of protection.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes. Changes are effective when posted on this page.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: