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Last Updated / Effective Date: January 1, 2023
Our Services may involve the collection of information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer that resides in California or a device located in California (“Personal Information”). In particular, through our Services, we may collect the following categories of Personal Information from you:
|A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers
|B. Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80I)
|A name, signature, physical characteristics or description, address, telephone 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. Some Personal Information included in this category may overlap with other categories.
|C. Protected classification characteristics under California or federal law.
|Age (40 years or older), 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).
|D. Commercial Information
|Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
|E. Internet or other similar network activity
|Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
|F. General Geolocation Data
|Physical location or movements.
|G. Sensory Data
|Audio, electronic, visual, thermal, olfactory, or similar information.
|H. Inferences drawn from Personal Information
|Derivation of information, data, assumptions, or conclusions from facts, evidence, or another source of information or data; a characteristic deduced about a consumer.
|I. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))
|Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
|J. Sensitive Personal Information
|Social Security number, driver’s license number, or passport number.
Personal information does not include:
We obtain the categories of Personal Information listed above from the following categories of sources:
We use Personal Information to offer products and services to you, fulfill your requests, improve the quality of our products and services, engage in research and analysis relating to our products and services, personalize your experience, track usage of our products and services, market our products and services, provide customer support, message you, back up our systems, allow for disaster recovery, enhance the functioning and security of our products and services, manage any other business relationship between you and us, and comply with legal obligations. Even when we do not retain such information, it still must be transmitted to our servers initially and stored long enough to process.
We also use information that we collect about you or that you provide to us, including any Personal Information:
We may use or disclose the Personal Information we collect for one or more of the following business purposes:
We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
All financial companies need to disclose Personal Information to run their everyday business and provide the Services you hope to obtain. Financial companies choose how to disclose your information. Federal and state laws and regulations may further dictate your ability to limit such disclosures.
We have disclosed the above categories of Personal Information to the following categories of third parties:
We will comply with other federal and state laws and regulations that impact our disclosure practices.
We have not sold Personal Information during the prior 12 months. We may have shared Personal Information for cross-context behavioral advertising in the past 12 months. We have no actual knowledge of selling or sharing Personal Information of anyone under the age of 16 years. Notwithstanding the foregoing, we will accept a verified request from you to not sell or share your Personal Information should our practices change in the future.
We retain your Personal Information throughout our business relationship with you and thereafter only for as long as required to fulfil the purposes for which it was collected. However, in some circumstances we may retain Personal Information for longer periods of time, for instance when we are required to do so in accordance with legal and regulatory requirements or to resolve disputes that may arise between you and us.
The CCPA requires we create a way for eligible California residents to exercise their rights under the CCPA, and to fulfill those consumer privacy rights regarding their Personal Information. These rights include the:
When you make a request, we may require that you provide information and follow procedures so that we can verify the request and your jurisdiction before responding to it. The verification steps we take may differ depending on the request you make. We will match the information that you provide in your request to information we already have on file to verify your identity. If we can verify your request, we will process it. If we cannot verify your request, we may ask you for additional information to help us verify your request.
Consumers will be required to submit their first and last name and email address and may also be asked to provide their telephone number or address so that we can verify the request. Please provide as much of the requested information as possible to help us verify the request. We will only use the information received in a request for the purposes of responding to the request.
California law permits California consumers to use an authorized agent to make privacy rights requests. We require the authorized agent to provide us with proof of the California consumer’s written permission (for example, a power of attorney) that shows the authorized agent has the authority to submit a request for the California consumer. An authorized agent must follow the process described below to make a request. The authorized agent must also verify his/her own identity. We will confirm the agent’s authority with the California consumer about whom the request was made.
You may submit a privacy rights request to us by:
We do not knowingly collect, process, use, sell, or share Personal Information of those 16 years old or younger.
We reserve the right to amend this California Privacy Notice at our discretion and at any time. When we make changes to this California Privacy Notice, we will post the updated Notice through the Services and update the Notice’s effective date that appears at the beginning of this Notice. Your continued use of our Services following the posting of changes constitutes your acceptance of such changes.
If you have any questions or comments about this California Privacy Notice, the ways in which we collect and use your information described above, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Email: [email protected]
Sending a letter to us at:
Citywide Home Loans, LLC
c/o Guaranteed Rate, Inc.
Attn: Privacy Compliance Officer
3940 N. Ravenswood
Chicago, IL 60613