Thank you for visiting the website of the State of New York Mortgage Agency, the New York State Housing Finance Agency, the State of New York Municipal Bond Bank Agency, and the Affordable Housing Corporation (collectively, the "Agencies"). This website is designed to make it easier and more efficient for individuals and businesses to interact with the Agencies. The Agencies recognize that it is critical for individuals and businesses to be confident that their privacy is protected when they visit the Agencies' website.
For purposes of this policy, "personal information" means any information concerning a natural person which, because of name, number, symbol, mark, or other identifier, can be used to identify that natural person. The Agencies do not collect any personal information about you unless you provide that information voluntarily by sending an e-mail.
Information Collected Automatically When You Visit this Website
When visiting this website the Agencies automatically collect and store the following information about your visit:
(i) The Internet Protocol Address and domain name used to access the website. The Internet Protocol Address is a numerical identifier assigned either to your Internet service provider or directly to your computer;
(ii) The type of browser and operating system you used;
(iii) The date and time you visited the site;
(iv) The web pages or services you accessed at this site; and
(v) The web site you visited prior to coming to this site.
None of the foregoing information is deemed to constitute personal information.
The information that is collected automatically is used to improve this website's content and to help the Agencies understand how users are interacting with the website. This information is collected for statistical analysis, to determine what information is of most and least interest to our users, and to improve the utility of the material available on the website. The information is not collected for commercial marketing purposes and the Agencies are not authorized to sell or otherwise disclose the information collected from the website for commercial marketing purposes. Some of the information may be used by the Agency to improve the marketing of its products.
Information Collected When You E-mail this Website or Complete a Transaction
During your visit to this website you may send an e-mail to the Agencies. Your e-mail address and the contents of your message will be collected. The information collected is not limited to text characters and may include audio, video, and graphic information formats included in the message. Your e-mail address and the information included in your message will be used to respond to you, to address issues you identify, to improve this website, or to forward your message to another State agency for appropriate action. Your e-mail address is not collected for commercial purposes and the Agencies are not authorized to sell or otherwise disclose your e-mail address for commercial purposes.
The Agencies do not knowingly collect personal information from children or create profiles of children through this website. Users are cautioned, however, that the collection of personal information submitted in an e-mail will be treated as though it was submitted by an adult, and may, unless exempted from access by federal or State law, be subject to public access.
Information and Choice
As noted above, the Agencies do not collect any personal information about you unless you provide that information voluntarily by sending an e-mail. You may choose not to send us an e-mail. This will not normally have an impact on your ability to take advantage of other features of the website, including browsing or downloading information.
Disclosure of Information Collected Through This Website
The collection of information through this website and the disclosure of that information are subject to the provisions of the Internet Security and Privacy Act. The Agencies will only collect personal information through this website or disclose personal information collected through this website if the user has consented to the collection or disclosure of such personal information. The voluntary disclosure of personal information to the Agencies by the user, whether solicited or unsolicited, constitutes consent to the collection and disclosure of the information by the Agencies for the purposes for which the user disclosed the information to the Agencies, as was reasonably ascertainable from the nature and terms of the disclosure.
However, the Agencies may disclose personal information without consent if the disclosure is: (1) necessary to perform the statutory duties of the Agencies, or necessary for the Agencies to operate a program authorized by law, or authorized by state or federal statute or regulation; (2) made pursuant to a court order or by law; (3) for the purpose of validating the identity of the user; or (4) of information to be used solely for statistical purposes that is in a form that cannot be used to identify any particular person. Further, the disclosure of information, including personal information, collected through this website is subject to the provisions of the Freedom of Information Law and the Personal Privacy Protection Law.
The Agencies may disclose personal information to federal or state law enforcement authorities to enforce the Agencies' rights against unauthorized access or attempted unauthorized access to the Agencies' information technology assets.
Retention of Information Collected Through this Website
Access to and Correction of Personal Information Collected Through this Website
Any user may submit a request to the Agencies' privacy compliance officer to determine whether personal information pertaining to that user has been collected through this website. Any such request shall be made in writing and must be accompanied by reasonable proof of identity of the user. Reasonable proof of identity may include verification of a signature, inclusion of an identifier generally known only to the user, or similar appropriate identification. The address of the privacy compliance officer is:
Public Information Officer
State of New York Mortgage Agency
641 Lexington Avenue
New York, NY 10022
The privacy compliance officer shall, within ten (10) business days of the receipt of a proper request, provide access to the personal information; deny access in writing, explaining the reasons therefor; or acknowledge the receipt of the request in writing, stating the approximate date when the request will be granted or denied, which date shall not be more than thirty (30) days from the date of the acknowledgment.
In the event that the Agencies have collected personal information pertaining to a user through the state agency website and that information is to be provided to the user pursuant to the user's request, the privacy compliance officer shall inform the user of his or her right to request that the personal information be amended or corrected under the procedures set forth in section 95 of the Public Officers Law.
Confidentiality and Integrity of Personal Information Collected Through this Website
The Agencies are strongly committed to protecting personal information collected through this website against unauthorized access, use or disclosure. Consequently, the Agencies limit employee access to personal information collected through this website to only those employees who need access to the information in the performance of their official duties. Employees who have access to this information follow appropriate procedures in connection with any disclosures of personal information.
In addition, the Agencies have implemented procedures to safeguard the integrity of their information technology assets, including, but not limited to, authentication, monitoring, auditing, and encryption. For website security purposes and to maintain the availability of the website for all users, the Agencies employ software to deter unauthorized attempts to upload or change information or otherwise damage this website.
If you wish, you may complete a registration to personalize this web site and permit a "persistent cookie" to be stored on your computer's hard drive. This persistent cookie will allow the web site to recognize you when you visit again and tailor the information presented to you based upon your needs and interests. We use persistent cookies only with your permission.
Alejandro J. Valella, Esq. at email@example.com
(via regular mail)
Alejandro J. Valella, Esq.
Vice President/Deputy Counsel
State of New York Mortgage Agency
641 Lexington Avenue
New York, New York 10022
The following definitions apply to, and appear in italics, in this policy:
Personal Information shall have the meaning set forth in subdivision 5 of section 202 of the State Technology Law.
State Agency Website shall have the meaning set forth in subdivision 7 of section 202 of the State Technology Law.
User shall have the meaning set forth in subdivision 8 of section 202 of the State Technology Law.
Required Submissions & Notices