This Privacy Notice (“Privacy Notice”) sets forth the policies and practices employed by Genstone Companies, including Genstone Realty, Genstone Construction, Genstone Insurance, Genstone Field Services, Title Clearing & Escrow, Janssen Ridge and Fay Investments (“Genstone,” “us,” “our,” or “we”) with respect to any information associated with an identified or identifiable individual (“Personal Information” or “Personal Data”), as well as the rights and choices individuals have regarding such Personal Information.
We are committed to respecting your right to privacy and protecting your information when you visit genstonecompanies.com, genstonefinancial.com, genstonerealty.com, genstoneconstruction.com, genstoneinsurance.com, genstonefieldservices.com, genstonerealty.com, tileclearing.net, genstonemarketplace.com, or any other website operated by us where this Privacy Notice appears, and/or via any software applications we have created and made available for your use on your mobile devices (collectively, the “Website”). We take your privacy and the security of your personal information seriously, and we want to be transparent about the types of personal information we collect about you, how we use your personal information, with whom we share your personal information and why.
What is Personal Information?
We may collect, use, or share your “Personal Information.” Personal Information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household. “Personal Information” does not include: (1) publicly available information, such as information that is lawfully made available from federal, state, or local records, and (2) de-identified or aggregate consumer information.
Categories of Personal Information
- This may include a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, government-issued identifiers, such as Social Security number, driver’s license number, and passport number.
- Personal Information Under State or Federal Records Law. This may include a name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
- Characteristics of Protected Classification under State or Federal Law. This may include age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
- Commercial information. This may include transaction information and records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
- Biometric information. This may include fingerprints, faceprints, voiceprints and other biological or behavioral characteristics that can be used to establish your identity.
- Geolocation Data. This may include physical location or movements (such as device location and Internet Protocol (IP) location).
- Sensory Data. This includes audio, electronic, visual and similar information, such as call and video recordings.
- Professional or employment-related information. This may include current or past job history or performance evaluations.
- Non-Public Education Information. This is non-public education information under the Family Educational Rights and Privacy Act, and may include education records directly related to a student maintained by an educational institution or party acting on its behalf, such as report cards, transcripts, class lists, student schedules, student identification codes, student financial information, and student disciplinary records
- Internet and Electronic Network Activity Information. This may include browsing history, search history, interactions with our website or apps, details about your devices, and information form cookies and similar tracking tools. See below for additional information about cookies.
- Inferences From Other Personal Information. This includes inferences from your Personal Information to create a profile about, for example, your preferences and characteristics.
- Sensitive Personal Information. This may include a Social Security number, driver’s license, state identification car, or passport number; an account log-in; financial account, debit card, or credit card number along with any security or access code, password, or other credentials allowing account access; precise geolocation; racial or ethnic origin, religious or philosophical beliefs; or union membership; contents of mail, email, and text messages unless Genstone is the intended recipient; genetic data; neural data; which mean information that is generated by measuring the activity of a consumer’s central or peripheral nervous system, & from nonneural information; biometric information used for the purpose of uniquely identifying a consumer; ; personal health information; information concerning a consumer’s sexual orientation and/or practices; and personal information of consumers that are less than 16 years of age.
Categories of Sources from Whom We Collect Personal Information
- We obtain your Personal Information when you give it to us. For example, when you contact us by email or telephone, or by any other means, when you use our websites, create an account with us, or use our services.
- Social Media. We collect Personal Information that you choose to make public, including via social media. For example, we may collect information from your social media profile(s) to the extent that you choose to make your profile publicly visible.
- Website or Mobile App Activity. We collect or obtain Personal Information when you visit any of our Sites or use any features or resources available on or through a Site. When you visit a Site, your device and browser may automatically disclose certain information (such as device type, operating system, browser type, browser settings, IP address, language settings, dates and times of connecting to a Site and other technical communications information), some of which may constitute Personal Information. We may also receive this information from other companies, such as security service providers and advertising partners.
- Service Providers. We may collect your Personal Information from service providers that support our ability to offer products and services to you, including as insurance services, tax-related services, title services, settlement services, bankruptcy services, foreclosure services, website hosting, data analysis, payment processing, information technology and related infrastructure, customer service, email delivery, auditing, marketing and marketing research activities.
- Third Party Partners. Partners and Third Parties who provide services such, legal expertise, tax expertise, notaries and auditors, and others.
- Loan and Servicing Transactions. We collect your Personal information when we engage in transactions with other businesses. For example, we may acquire your Personal Information if we purchase or acquire your loan, purchase or acquire your servicing rights to a loan, or if we subservice your loan for another person.
- Affiliates. We acquire your Personal Information from one of our affiliates or subsidiaries.
- Public Record Sources. We acquire your Personal Information from Federal, State or Local Government Sources.
- Business Customers. Information from business customers about individuals associated with the customers (e.g., an employee or board member).
Categories of Third Parties to Whom We Disclose Personal Information for Our Business Purposes Described in this Privacy Statement
- Affiliates and subsidiaries of Genstone in the course of our normal business operations and as needed to address our corporate structure.
- Government Agencies. Government and regulatory agencies as required by law and regulation.
- Service Providers. We may collect your Personal Information from service providers that support our ability to offer products and services to you, including as insurance services, tax-related services, title services, settlement services, bankruptcy services, foreclosure services, website hosting, data analysis, payment processing, information technology and related infrastructure, customer service, email delivery, auditing, marketing and advertising partner, and marketing research and analytics activities.
- Third Party Partners. Partners and Third Parties who provide services such, legal expertise, tax expertise, notaries and auditors, and others.
- Owner of your Loan. If we act as the servicer of your mortgage loan for a third party, we provide your Personal Information to the owner of your loan or the owner of the servicing rights to that loan.
- Data Aggregators.
How We Use Your Personal Information
We use your Personal Information to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including the following:
- Account Services: Offering our account services, including: (1) establishing, maintaining, supporting, and servicing an account you may have opened with us and for which you provided the information or that you may have applied for or established with us; (2) providing services, products, or information you may have requested from us; and (3) providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, or providing similar services on our own behalf or on the service provider’s behalf.
- Employee Prospecting: To review and consider your application and conduct pre-employment screening (g., security and background screenings) if we decide to offer you employment; to administer recruitment and staffing activities; and to manage and improve our recruitment processes and our business operations related to the recruitment process.
- Workforce Administration: Administering and providing compensation, benefits, and other work-related allowances, as applicable; employee performance assessments and management; managing our information technology (e.g., computers, phones, company systems, and applications) and information security, including the helpdesk, corporate directory, and IT support.
- Security and Fraud Detection: Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity; and prosecuting those responsible for that activity.
- Debugging: Debugging to identify and repair errors that impair existing intended functionality.
- Improvement of Products and Services: Verify, maintain, and improve our products and services including monitoring those products and services completed by service providers.
- Internal Research: We use Personal Information for our internal research related to technological development and demonstration.
- Advertising and Marketing Services: We use Personal Information to provide advertising or marketing services on our own behalf.
- Legal Obligations: We use Personal Information to comply with legal obligations.
- Audits: We use Personal Information to comply with corporate financial responsibilities, including audit requirements (both internal and external), accounting, cost/budgeting analysis and control, vendor management and due diligence audits, and to audit current interactions with you and related transactions (e.g., counting and verifying ad impressions, auditing compliance).
- Merger/Acquisition/Bankruptcy, etc.: We may use your Personal Information as part of a merger, acquisition, bankruptcy, or other transactions where a third party assumes control of us.
- Commercial/Economic Interests: We use Personal Information to advance our commercial or economic interest.
Cookies and Similar Technologies
We use cookies, web beacons/pixel tags, log files, and similar technologies to collect information about visitors to our website. This information typically includes browser type, operating system, the links you click on, IP address, referring website, and (for emails) whether messages are opened, forwarded, or clicked. Cookie Categories
We group the cookies and similar technologies used on this site into three categories:
- Essential cookies — Required for the site to function, including session management, security, and remembering your consent preferences. These cannot be disabled.
- Analytics cookies — Help us understand how visitors interact with the site so we can measure performance and improve the experience (for example, Google Analytics).
- Marketing cookies — Used by us and our advertising partners to track visits across websites, build audience profiles, and show personalized advertising. Includes pixels, tags, and cookies set by ad networks and social media platforms.
Managing Your Preferences
When you first visit our website, a consent banner appears at the bottom of the page allowing you to Accept All, Reject Non-Essential, or Customize which categories of cookies we may use. We honor your selection on subsequent visits. You can change your preferences at any time by clicking “Cookie Settings” in the website footer, which re-opens the preferences panel. Your choices are stored locally in your browser and refreshed periodically so you’ll be re-prompted at least once a year. If you reject non-essential cookies, analytics and marketing scripts will not load tracking cookies on your device, and our analytics provider will receive only consent-respecting, non-personalized signals.
Third-Party Tracking
Some content on our Service is served by third parties, including advertisers, ad networks and servers, content providers, application providers, and social media platforms. These third parties may use cookies for interest-based advertising and behavioral targeting across multiple sites when you have granted Marketing consent.
In addition to managing your preferences through our consent banner, you may opt out of interest-based advertising via industry programs:
- Network Advertising Initiative — https://www.networkadvertising.org
- Digital Advertising Alliance — https://www.aboutads.info
You may also configure your browser to refuse cookies or alert you when cookies are being sent. Note that some parts of the site may not function correctly if essential cookies are disabled.
Your Choices
You can learn more about interest-based advertisements and your opt-out rights and options from members of the Network Advertising Initiative (“NAI“) on its website (www.networkadvertising.org) and from members of the Digital Advertising Alliance on its website (www.aboutads.info). We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can also opt out of receiving targeted ads from members of the NAI on its website.
Genstone Companies work with OneTrust as a service provider to manage consent and data privacy rights in our privacy policy. Specifically, OneTrust processes data—such as IP addresses, cookie identifiers, and user preferences—to fulfill legal obligations, manage user consent, and enable preference management on our websites. To manage your preferences please go to any one of our websites and click into the OneTrust preference bar which you will see at the bottom of the screen.
Mobile Applications:
We may offer mobile applications that allow you to access your account, interact with us online and receive other information via your smartphone. All personal information collected by Latham via our mobile applications is protected by the terms of the Genstone Privacy Policy.
When you download our mobile applications, you may choose to allow us to obtain your precise location from your mobile device. We use this information to deliver personalized content to you and for our internal analytics purposes.
We may also offer automatic (or “push”) notifications. We will provide push notifications only to those individuals who opt-in to receive such notifications from Genstone. You do not have to provide location information to Latham or enable push notifications to use any of our mobile apps. If you have questions about location and notification privacy, please contact your mobile service provider or the manufacturer of your device to learn how to adjust your settings.
Do Not Track
Some web browsers may transmit “do-not-track” signals to the websites with which the user communicates. Because of differences in how web browsers incorporate and activate this feature, it is not always clear whether you intend for these signals to be transmitted, or whether you even are aware of them. Because there currently is no industry standard concerning what, if anything, websites should do when they receive such signals, we currently do not take action in response to these signals.
Personal Information Retention and Security
We use a variety of technical, administrative, and organizational security measures, including encryption and authentication tools in certain circumstances, to maintain the safety of your personal data. The security of your data is important to us but remember that no environment or security procedures or protocols is 100% secure or error-free. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
If you have registered at a Genstone website or a hosted website, we recommend that you do not divulge your password to anyone. We will never ask you for your password in an unsolicited phone call or in an unsolicited email. Also remember to sign out of the registered site and close your browser window when you have finished your work. This is to ensure that others cannot access your Personal Information and correspondence if others have access to your computer.
We will retain your Personal Information for as long as we maintain an ongoing relationship with you, or for:
- Consumer-related Information: a minimum period of seven years after the liquidation or service transfer of your loan.
- Non-consumer-related Information: a minimum period of two years after employment or vendor-relationship termination.
We reserve the right to retain your Personal Information for a longer period to comply with obligations by our regulators, and to defend our legal interests. Your Personal information will not be used for any other purpose and will not be sold.
Additional Rights for US Consumers Pursuant to the GLBA
Definitions
Consumer: An individual who obtains or has obtained a financial product or service from you that is to be used primarily for personal, family, or household purposes, or that individual’s legal representative
Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include Constructive Insurance, LLC, doing business as Genstone Insurance, Genstone Asset Disposition, LLC, Genstone Asset Management, LLC, Genstone Construction, LLC doing business as Constructive Renovations, Genstone Field Services, LLC and its wholly owned subsidiaries ZVN Properties, Inc. and Granite Creek Cabinets, LLC, Genstone, LLC doing business as Genstone Realty and Genstone, LLC doing business as Genstone Property Management, and each of its Protected Series, Title Clearing and Escrow, LLC, Fay Investments, LLC, Janssen Ridge Opportunity Zone Fund, LLC, Janssen Ridge Management, LLC, TimberRidge Management, LLC; Fay Servicing, LLC; and Genstone Financial as a DBA of Fay Servicing, LLC..
Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates with which we may share include mortgage companies, insurance companies, and nonprofit organizations.
Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include mortgage loan originators, who may be able to help you lower your interest rate or your monthly payment, and other financial institutions.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Genstone chooses to share, and whether you can limit this sharing.
| Reasons we can share your personal information | Does Genstone share? | Can you limit this sharing? |
| For our everyday business purposes — such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes — information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For our non-affiliates to market to you | Yes | Yes |
To limit our sharing: Contact us through the Contact Information provided below or email us at contact@genstonecompanies.com.
Please note: If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. However, you can contact us at any time to limit our sharing.
Other Important Information
Do Not Call Policy
We do not solicit phone numbers listed on federal or state Do Not Call registries unless permitted by law. Calls may be monitored for quality assurance.
Leads and Referral
By submitting a request or inquiry about real estate (for sale and/or for rent), investment opportunities, moving services, mortgage services, insurance products, credit information or any other product(s), service(s), offering(s), procedure(s), detail(s) or matter(s) advertised or promoted on or through any of our Services, you are providing your express written consent to be contacted by Genstone Realty and/or by our associated advertisers, lead customers, subscribers, professional service providers and other Business Providers for marketing, informational and/or other similar or related purposes in connection with such request. You further understand and agree that you may be contacted by telephone device (including being contacted on a recorded line and potentially by use of automated dialing systems and artificial or prerecorded voice messaging), email, mail or otherwise, based on the phone number, email address and/or other data you have provided in the request form you completed and submitted to Genstone Realty through our Services. This consent applies even if your phone number, email address or other data is on a corporate, federal, state, local or other do-not-contact type of list or directory (such as the U.S. National Do Not Call Registry). You are not required to consent as a condition of purchasing any products or services from Genstone Realty or any of our advertisers, customers, subscribers, professional service providers or other Business Providers. You agree that your submitted request or inquiry acts as your electronic signature for this consent. You acknowledge that for text, SMS, calls and other electronic messages that messages and data rates (from your network provider) may apply.
Nevada
You may request inclusion on our Internal Do Not Call List. Nevada residents may also contact:
Bureau of Consumer Protection
Office of the Nevada Attorney General
555 E. Washington St., Suite 3900
Las Vegas, NV 89101
(702) 486-3132 | BCPINFO@ag.state.nv.us
Vermont
We do not share Vermont residents’ information outside our corporate family except as permitted by law.
California
We limit information sharing in accordance with California law and provide CCPA rights access as outlined above.
Website Terms of Use
By using this website, you accept these Privacy Terms. If you do not agree, please do not use the site.
Location of Servers
Our website is hosted in the United States. By submitting personal information, you consent to its transfer and processing in the U.S.
Third-Party Sites
We do not control third-party websites linked to this site. This policy does not apply to those platforms.
Disclaimer
Information on this website is provided “as is” and does not constitute legal or financial advice. We make no guarantees regarding accuracy or completeness. [
Changes to Our Privacy Policy
We will annually review and approve this policy. This policy was last approved on 04/29/2026.
Contact Information
If you have any questions regarding our privacy policies, the ways in which we collect, use, disclose, and sell or share your Personal Information, or how to exercise your rights please do not hesitate to contact us at: