Privacy & Security

Effective June 10, 2024, Ocwen Financial Corporation has been renamed Onity Group Inc. The changes to the name do not impact our privacy practices, nor anyone’s current opt out preferences. The name change will not result in any needed action for consumers. Effective March 23, 2026 PHH Mortgage Corporation has changed its name to Onity Mortgage Corporation.

Onity Group Inc. respects your privacy, and this notice is being provided on its behalf, as well as its subsidiaries and affiliates (collectively", "Our," "Us," or "We"). Onity Mortgage Corporation f/k/a PHH Mortgage Corporation, " is a direct subsidiary of Onity Group Inc. and handles all of the servicing-related activity for your mortgage loan(s), and thus all privacy-related questions or concerns should be sent to its attention. We are committed to providing a transparent notice of our privacy practices.

Onity Mortgage Corporation primarily offers personal, household or family financial products or services. If you are a consumer or customer of personal, household, or family financial product or service, separate financial privacy notices may apply. Please refer to our financial privacy notices for consumers of personal, household or family financial product or services here.

If you are a California resident and not a consumer or customer of a personal, household, or family financial product or service, please click here.

If you are a Montana resident and not a consumer or customer of a personal, household, or family financial product or service, please click here.

If you are a California resident who has applied for a job, and not a consumer or customer of a personal, household, or family financial product or service, please click here.

Click here to make a California Verifiable Consumer Request. If you are a California resident and not a consumer or customer of a personal, household, or family financial product or service, and would like the form mailed to you, in order to make a verified consumer request, please call us (877) 726-5793 at or email us at digitalmedia@onitygroup.com.

This policy describes the types of information the Company may collect from you offline or when you visit our websites, including  OnityGroup.com, OnityMortgage.com MortgageQuestions.com, (our "Websites") and our practices for collecting, using, maintaining, protecting, and disclosing that information.

Please read this policy carefully to understand Our policies and practices regarding your information and how We will treat it. This policy may change from time to time (see Changes to Our Privacy Policy).

We collect several types of information from and about you, including:

• Information provided by you such as name, address, email address, telephone number, social security number, education, employment, financial information, your assets and liabilities, income, username/password, your internet protocol address, and other personally identifying information;
• Information provided by third parties about you, such as credit reporting agencies, appraiser, insurance companies, employers, and real estate broker;
• Information provided by Our subsidiaries and affiliates, such as your loan approval amount, loan balance, payment history and other loan account information from businesses within Onity Group Inc.; and
• Information collected automatically as you navigate through the Website. Information collected automatically may include usage details, IP addresses and inforamtion collected through cookies for advertisements

We use information that We collect about you or that you provide to Us:

• to present our Websites and their contents to you;
• to provide you with information, products, or services that you request from Us;
• to determine your eligibility for financial products that We offer;
• to provide you with notices about your account, including insurance expiration and renewal notices;
• to carry out Our obligations and enforce Our rights arising from any contracts entered into between you and Us, including for billing and collection;
• to notify you about changes to our Websites or any products or services We may offer or provide through them;
• to allow you to participate in interactive features on Our Websites;
• to work with marketing partners to provide you with products or services that may be of interest to you;
• to provide referrals to Our affiliates, subject to our Financial Privacy Notices;
• to report aggregated information to Our advertisers and to audit use of the Websites;
• to enforce compliance with Our Website Terms of Use Agreement, We may use your unique Internal Protocol (IP) address;
• to fulfill any other purpose for which you provide it and in any other way We may describe when you provide the information; and
• for any other purpose with your consent.

We may disclose information that Onity Group Inc. collects or you provide as described in this privacy policy:

• to Our subsidiaries and affiliates, subject to our Financial Privacy Notices;
• to contractors, service providers, and other third parties We use to support Our business;
• to retailers and other third parties to market to you, subject to our Financial Privacy Notices;
• to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Onity Group Inc.'s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by Our Websites' users is among the assets transferred;
• to fulfill the purpose for which you provide it;
• for any other purpose disclosed by Us when you provide the information; and
• with your consent or direction

We may also disclose your Personal Information:

• to comply with any court order, law, or legal process, including to respond to any government, regulatory, or law enforcement request;

• to enforce or apply Our Terms and Conditions and other agreements, including for billing and collection purposes; and
• if We believe disclosure is necessary or appropriate to protect the rights, property, or safety of Onity Group Inc., Our subsidiaries or affiliates, Our customers, or others (this includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.)

To non-borrowers who make mortgage payments on a loan we service; If you are a non-borrower/non-authorized third party who provides Us information in relations to an account serviced by Us, you agree and hereby consent to allowing us to share your information with Our borrower or authorized account holder.

When you consent to using your cellphone for texts and calls from Our automated phone system, you are eligible to receive text messages about your account from Onity Group Inc and Our Subsidiaries and Affiliates. This may include reminders about appointments or missed payments, services and offers provided by Our Company, loan application assistance, and other account inquiries. Consent to receive automated text messages is not a condition of purchasing any goods or services. We will not use this number to send marketing-related messages without your separate, express written consent.

By providing your mobile number and opting in, you agree to receive text messages from Onity Group Inc., its subsidiaries and affiliates, including Onity Mortgage Corporation.

Once you are signed up for this service, you can cancel at any time; just reply "STOP". When we receive your request to cancel, we will send a final text message to confirm that you have been unsubscribed. After this, you will no longer receive text messages from Us. If you want to join again, give us a call. You may also reply “HELP” for help or call Us at 1-800-449-8767.

Message and data rates may apply for any messages sent between you and Us. Your wireless provider is not liable for delayed or undelivered messages. If you have any questions about your phone plan, please contact your wireless provider. Message frequency may vary.

We will not share/sell/assign your consent to receive text messages with third parties/non-affiliates for their marketing or promotional purposes.

If you experience any issues with this system, give Us a call.

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. We may disclose aggregated information about our users, and information that does not identify an individual.

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.

We collect IP addresses for the purposes of system administration, to report aggregated information to our advertisers, and to audit the use of Our Websites. When Customers request pages from Us, Our servers log the Customers' IP addresses.. Please refer to how We may use your information in the above section of this Privacy Policy. This includes the need to enforce compliance with Our Website terms of use agreement, other terms of service of Us, or to protect Our service, Website, customers or others.

What are cookies? Cookies are small pieces of information that a website sends to your computer for record-keeping purposes. This information is stored in a file on your computer. Cookies make web-surfing easier for you by saving your preferences so that We can use the saved information to facilitate your use of Our Websites when you return. Our use of cookies does not tell Us your individual identity. We never save passwords, social security numbers or credit card information in cookies. The use of cookies is an industry standard, and as such, you'll find that most major websites use them. Cookies are used to recognize you when you visit Our Websites more than once so that information doesn't have to be repeatedly gathered. We do not store any of your personal information with cookies.

You can delete your cookie file at any time. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or indicate when a cookie is being sent. However, note that Our Websites will not function properly if you refuse cookies. For example, without cookies, you will not be able to set personalized preferences, and/or may have difficulty completing marketing transactions.

You may occasionally get cookies from Our partners. We do not control these cookies. The use of cookies sent by third-party servers is standard in the Internet industry.

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 Notices once you cease being a customer of Ours. However, We may continue to market to you or share your information with affiliates and non-affiliated entities, unless you opt out.

You should be aware that when you are on Our Websites you could hyperlink or be directed to other websites that are beyond Our control and/or outside Our services. For example, if you "click" on a banner advertisement, the "click" may transfer you off Our Websites. These other websites may include websites of advertisers, sponsors and partners that may use Our logo as part of a co-branding agreement. These other websites may send their own cookies to Customers, collect data, or solicit information.

We do not control such websites, and, therefore, are not responsible for their contents or the hyperlinks or advertising they choose to place on such websites. Our inclusion of hyperlinks to these websites does not imply any endorsement of the material on such websites or any association with their operators. Our privacy policy does not extend to anything that is inherent in the operation of the Internet, which is beyond Our control.

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 We strive to protect Our Customers' information and privacy, We cannot guarantee the security of any information you disclose online, and you disclose such information at your own risk.

If you have inquired about or obtained a personal or household financial product or service from Onity Group Inc., its subsidiaries and affiliates, please also carefully read Our Consumer Financial Privacy Notice that applies to you below to understand how your information is protected. Use the link below specific to your state of residency to view Our’s Consumer Financial Privacy Notice.

Effective June 10, 2024, Ocwen Financial Corporation was renamed Onity Group Inc. and on March 23, 2026, PHH Mortgage Corporation changed its legal name to Onity Mortgage Corporation. The changes to the name do not impact our privacy practices, nor anyone’s current opt out preferences. The name change will not result in any needed action for consumers.

• California Customers: Click Here
• North Dakota Customers: Click here
• Vermont Customers: Click here
• All Customers residing in states not listed above: Click Here

Our Websites are not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Websites. We do not knowingly collect Personal Information from children under 16. If you are under 16, do not use or provide any information to or on these Websites or through any of their features. If We learn We have collected or received Personal Information from a child under 16 without verification of parental consent, We will delete that information. If you believe We might have any information from or about a child under 16, please contact in one of the ways provided in the Contact Information section, below.

We have implemented reasonable measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. The safety and security of your information also depends on you. Where We have given you (or where you have chosen) a password for access to certain parts of Our Websites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

California’s "Shine the Light" law (Civil Code Section § 1798.83) permits users of Our Websites that are California residents to request certain information regarding Our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to digitalmedia@onitygroup.com or write Us at:

• Onity Mortgage Corporation
• Attn: CCPA Customer Service
• P.O. BOX 24737
• West Palm Beach, FL 33416-4737

If you are an applicant or employee of Onity Group Inc., or its subsidiaries or affiliates, you may direct questions to:

• ATTN: Human Resources - CCPA
• (888) 446-2936, select option 2 for the HR Helpdesk and follow the prompts
• HRhelpdesk@onitygroup.com

[Onity Group Inc. responds to Do Not Sell Opt-Out requests as disclosed in the section "What we Sell and Right to Opt-Out." Otherwise, We do not respond to Web browser "do not track" signals or other mechanisms.]

[Other parties may collect personally identifiable information about your activities over time and across different Websites when a consumer uses our Websites or services.]

It is Our policy to post any changes We make to our privacy policy on this page.

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

• Attn: Customer Service
• +1 (877) 726-5793
• digitalmedia@onitygroup.com