Citywide Home Loans, LLC (NMLS #67180) Privacy Notice for California Residents
Effective Date: January 1, 2020
Last Reviewed: February 11, 2022
used in this Notice.
Citywide Home Loans collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). Personal information does not include:
The CCPA does not apply to the following:
In particular, the following categories of personal information may have been collected from consumers within the last twelve (12) months:
|A. Identifiers.||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.||
|B. Personal information categories listed in the California Customer Records statute (Cal.Civ. Code § 1798.80(e)).||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.
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.||YES|
|E. Biometric information.||Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||
|F. Internet or other similar network activity.||Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.||YES|
|G. Geolocation data.||Physical location or movements.||NO|
|H. Sensory data.||Audio, electronic, visual, thermal, olfactory, or similar information.||NO|
|I. Professional or employment-related information.||Current or past job history or performance evaluations.||
|J. 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.||
|K. Inferences drawn from other personal information.||Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||
Citywide Home Loans obtains the categories of personal information listed above from the following categories of sources:
Citywide Home Loans may use or disclose the personal information we collect for one or more of the following purposes:
|·||To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.|
|·||To provide, support, personalize, and develop our Website, products, and services.|
|·||To create, maintain, customize, and secure your account with us.|
|·||To process your requests, purchases transactions, and payments and prevent transactional fraud.|
|·||To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.|
|·||To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).|
|·||To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.|
|·||For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.|
|·||To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.|
|·||As described to you when collecting your personal information or as otherwise set forth in the CCPA.|
|·||To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our consumers is among the assets transferred.|
Citywide Home Loans 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.
Citywide Home Loans may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
Citywide Home Loans shares your personal information with the following categories of third parties:
In the preceding twelve (12) months, Citywide Home Loans may have disclosed the following categories of personal information for a business purpose:
|Category B:||California Customer Records personal information categories.|
|Category C:||Protected classification characteristics under California or federal law.|
|Category D:||Commercial information.|
|Category F:||Internet or other similar network activity.|
|Category I:||Professional or employment-related information.|
|Category K:||Inferences drawn from other personal information.|
Citywide Home Loans discloses your personal information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months, Citywide Home Loans has not sold any of your personal information.
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to request that Citywide Home Loans discloses certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
|·||The categories of personal information we collected about you.|
|·||The categories of sources for the personal information we collected about you.|
|·||Our business or commercial purpose for collecting or selling that personal information.|
|·||The categories of third parties with whom we share that personal information.|
|·||The specific pieces of personal information we collected about you (also called a data portability request).|
|·||If we sold or disclosed your personal information for a business purpose, two (2) separate lists disclosing:
· Sales, identifying the personal information categories that each category of recipient purchased; and
· Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
You have the right to request that Citywide Home Loans deletes any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
Citywide Home Loans may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
|·||Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.|
|·||Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.|
|·||Debug products to identify and repair errors that impair existing intended functionality.|
|·||Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.|
|·||Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).|
|·||Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.|
|·||Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.|
|·||Comply with a legal obligation.|
|·||Make other internal and lawful uses of that information that are compatible with the context in which you provided it.|
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
Citywide Home Loans cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.
We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Citywide Home Loans aims to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Citywide Home Loans does not sell your personal information.
Citywide Home Loans will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
|·||Deny you goods or services.|
|·||Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.|
|·||Provide you a different level or quality of goods or services.|
|·||Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.|
Citywide Home Loans reserves the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
|Postal Address:||Guaranteed Rate, Inc.
attn: Citywide Home Loans, LLC
3940 N. Ravenswood, Chicago, IL 60613