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Privacy Policy

    • This privacy policy has been compiled to better serve those who are concerned with how their 'Personally identifiable information' (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

      What personal information do we collect from the people that visit website or app?

      Non Registered Visitors: You may visit and use certain features of our website without any registration, in which case none of your personal information will be collected or retained. If and once you are registered, you are required to provide your name, email address, work address and phone number, and a password. We may additionally request you to provide your business name, address, phone number and fax number, password and additionally: various demographic information about yourself or the lender / servicer you are representing.

      Registered Users: If and once you are registered, you are required to provide your name, email address, work address and phone number, and a password. We may additionally request you to provide your business name, address, phone number and fax number, as password and additionally: various demographic information about yourself or the lender / servicer you are representing.

      In addition, by registering through the website, you expressly authorize BackintheBlack to create a performance profile about you as an agent including statistical information with respect to your response times and usage statistics per your employer’s request. This profile will solely be accessible to the lender / servicer for which you are employed under and are under contract with BackintheBlack.

      This allows us to properly and effectively integrate the lender / servicer for which you represent into the website database in order to provide you with the functionality, feedback, support and any information you request. Any and all information collected surrounding user statistics will only be collected and analyzed for the following reasons:

      • In order to update the user experience, cater to user traffic patterns, and application usage statistics. • As a request from the lender / servicer for which the user works.

      We may additionally use information provided through our website and services to compile performance and analysis reports for users of the website or application.

      When do we collect information?

      We collect information during registration on our site, through secured nightly file transfers, and or when entered through forms on our site. We additionally may collect information based on user navigation patterns through the application.

      How do we protect visitor information?

      Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

      We use regular Malware Scanning.

      Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. These persons have been evaluated through background checks and possess the necessary qualifications to handle this information. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

      We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.

      Do we use 'cookies'?

      Cookies are pieces of electronic information that any web application or website can transfer to a user or visitor’s hard drive in order to help personalize the visit to the site. While the use of cookies is standard practice, BackInTheBlack does not sell any tracking information to third party vendors as practice. BackInTheBlack only uses this information in order to save small bits of preference information for ease of site access. Though most Web browsers automatically accept cookies, you can usually change your browser to prevent the storage of any cookies or to notify you when you are sent a cookie.

      If users disable cookies in their browser:

      If you disable cookies, some features will be disabled. It will turn off some of the features that make your site experience more efficient and some of our services will not function properly. However, you will still be able to perform basic functions within the application.

      Third Party Disclosure

      We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information.

      Third party links

      Occasionally, at our discretion, we may include or offer third party products or services on our website. Any direct link to any other website or services offered by Third Parties will have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these services.

      California Online Privacy Protection Act

      CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require a person or company in the United States (and conceivably the world), that operates websites collecting personally identifiable information from California consumers, to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. - See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

      According to CalOPPA we agree to the following:

      • Users can visit our site anonymously. • Once this privacy policy is created, we will add a link to it on our home page or as a minimum on the first significant page after entering our website. • Our Privacy Policy link includes the word 'Privacy', and can be easily be found on the page specified above.

      Users will be notified of any privacy policy changes:

      • On our Privacy Policy Page

      Users are able to change their personal information:

      • By logging into their account.

      How does our site handle Do Not Track signals?

      We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

      Does our site allow third party behavioral tracking?

      We do not allow third party behavioral tracking.

      COPPA (Children Online Privacy Protection Act)

      When it comes to the collection of personal information from children under 13, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online. We do not specifically market to children under 13 years old and they do not have the ability to register at BackInTheBlack.

      Fair Information Practices

      The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

      In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

      We will notify users via email within 1 business day.

      We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only those individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.

      Contacting Us

      If there are any questions regarding this privacy policy you may contact us using the information below.

Industry Leading Collection and Loss Mitigation Solution

About BITB

Member of Mortgage Bankers association

BackInTheBlack LLC was founded in 1999, entering the market as the default premier hosted mortgage servicing solution.

Application
Service Provider

A privately held company part of an IT conglomerate focused on creating innovation powered business solutions that are shaping the future.

Loan
Solution Center

BackintheBlack has positioned in the market for deploying a self-service borrower portal called LoanSolutionCenter, a disaster ready, highly intuitive tool that seamlessly integrates into BackintheBlack solution.

BackInTheBlack®
"hosted" delivery

BackInTheBlack® offers servicers a dynamic delivery model, compliance, functionality, complex calculators, audit tracking and the ability to support a vast number of retention and liquidation workouts.

Competitive Advantage

Fast, Agile and Flexible with a team of industry recognized professionals.

Implementation
Timing

BackInTheBlack® pre-configured managed services guarantee a rapid implementation of 90 days or less.

Integration with
Systems of Record (SOR)

Customer install with market leading Systems of Record, Real-Time post back using web service integration. Standardized Inbound and Outbound (I/O) files for all other SOR integrations.

Intellectual
Capital

Through industry experts, organizational processes, and overall organizational knowledge of the financial services industry.

Third Party
Integrations

Integrations with numerous industries leading vendors, using various methods of data transfer. The goal is to get users to exploit the application abundance of efficiencies. (Dialers, Credit, Imagining Systems, Title Providers, Valuation Services, Quality Control Services, Print Vendors).

OUR SOLUTION

BackInTheBlack® Model: “A Managed Service” Pre-Configured “Out of the Box” Solution with industry “Best Practices” that allows for streamlined implementations.

BITB Technology enables you to leverage powerful corporate computing solutions and the latest Internet technologies without prohibitive in-house technology costs.

Complete end to end workflow, calculators and eligibility | Pre-configured and tested | Pre-configured documents | Standard Integrations

Loan
Solution Center

Best-in-class borrower servicing portal engineered to facilitate seamless communication between the Borrower and Servicer. By Knowing the loan type and investor, Loan Solution Center presents the borrower with specific set of easy to follow steps necessary to apply for a hardship, including document upload functionality and real-time messaging. A rich and stress-free integrated customer experience that will increase borrower participation while reducing servicer timeline requirements.

  • Increase Borrower Participation
  • Streamline Documentation
  • Enhance Servicer Timeline Requirements
  • Branding, Accessibility and Compliance
  • Disaster Programs and Support

Rules
Based Decisioning

BackInTheBlack® uses all the borrower information collected or submitted through Loan Solution Center, a proprietary rules-based engine that guides decision making; recommending the best option for each investor workout type. In addition, BackInTheBlack® is a “smart” system, with calculators for transaction analysis that will help the client put an end to the proliferation of inefficient spreadsheets, databases or other programs managed in house today.

Reporting

BackInTheBlack® also provides the client with a configurable or per-configured report for every functional area, including meaningful metrics on collection and loss mitigation results, so you can track performance of your overall process and specific agents.

Guideline
and Compliance

Guideline and Compliance is maintained due to our on-going contractual collaboration with the GSE requirements, integrating and identifying a preferred methodology for new programs and mandates. All other regulation is handled through a compliance team, allowing BackInTheBlack® to take the majority of the regulation interpretation out of the servicer’s hands and maintain it within the application.

WE KNOW MORTGAGE SERVICING
WE KNOW MORTGAGE SERVICING

— Leading edge in Collections and Loss Mitigation technology —

Request a Demo

Location:

729 East Pratt Street. Ste 900 Baltimore, MD 21202

Sales Support & General Inquiries

Phone: 410-413-1600, option 1
sales@backintheblack.com

Valuation Services

Phone: 410-413-1600, option 3
valuations@amoservices.com

Technical Support

Hours: 8am - 8pm EST, Monday through Friday
Phone: 410-413-1600, option 2
bitbsupport@backintheblack.com

After Hours Support (Emergency Only): 410-413-1600, option 2

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