This CCPA PRIVACY NOTICE is for California residents only and supplements the
information contained in the Privacy Statement of _(LENDER NAME_) and its subsidiaries
(collectively, “we,” “us,” or “our”) and applies solely to visitors, client’s, users, and others
who reside in the State of California (“consumers” or “you”). We adopt this notice to comply
with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy
laws.  Any terms defined in the CCPA have the same meaning when used in this notice.
Information We Collect
We collect 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 or device (“personal information”). In particular, we have collected the following
categories of personal information from consumers within the last twelve (12) months:
Category Examples Collected

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.

E. Biometric information. Genetic, physiological, behavioral, and biological
characteristics, or activity patterns used to extract a

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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.

G. Geolocation data. Physical location or movements.
H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar

information.

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.

Personal information does not include:
 Publicly available information from federal, state or local government records.
 De-identified or aggregated consumer information.
 Information excluded from the CCPA's scope, such as personal information covered by
certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the
Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA),
and the Driver's Privacy Protection Act of 1994.
We obtain the categories of personal information listed above from the following categories
of sources:
 Directly from our clients or their agents. For example, from documents that our clients
provide to us related to the services that we are asked to perform.
 Indirectly from our clients or their agents. For example, through information we collect
from our clients in the course of providing services to them.
 Directly and indirectly from activity on our website (www._________________). For
example, from submissions through our website portal or website usage details collected
automatically.

This document is confidential. No part of this document may be disclosed in any manner to a third party 3 of 2
without the prior consent of Mortgage Quality Management and Research, LLC. You may place this content on your
website.
 From third-parties that interact with us in connection with the services we perform. For
example, credit reporting agencies, appraisers and other service providers.

Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following
business purposes:
 To fulfill or meet the reason for which the information is provided. For example, if you
provide us with personal information in order for us to prepare a rate quote or ask a
question about our products or services, we will use that personal information to respond
to your inquiry.
 To provide, support, personalize and develop our Website, products and services.
 To provide you with information, products or services that you request from us.
 To provide you with email alerts, event registrations and other notices concerning our
products or services, or events or news, that may be of interest to you.
 To carry out our obligations and enforce our rights arising from any contracts entered into
between you and us, including for billing and collections.
 For testing, research, analysis and product development.
 As necessary or appropriate to protect the rights, property or safety of us, our clients or
others.
 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
is among the assets transferred.
 To respond to audits or state or federal examinations by our regulators.
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.
Sharing Personal Information
We 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.
We disclose your personal information for a business purpose to the following categories of
third parties:
 Our affiliates.
 Service providers.

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without the prior consent of Mortgage Quality Management and Research, LLC. You may place this content on your
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 Third parties to whom you or your agents authorize us to disclose your personal
information in connection with products or services we provide to you.
In the preceding twelve (12) months, we have not sold any personal information and we
have no intention of doing so in the future.
Your Rights and Choices
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.

Access to Specific Information and Data Portability
Unless your personal information is excluded from the scope of the CCPA, you have the
right to request that we disclose certain information to you about our collection and use of
your personal information over the past 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 separate
lists disclosing:
o sales, identifying the personal information categories that each category of
recipient purchased; and
o disclosures for a business purpose, identifying the personal information categories
that each category of recipient obtained.

Deletion Request Rights
Unless your personal information is excluded from the scope of the CCPA, you have the
right to request that we delete 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.
We may deny your deletion request if retaining the information is necessary for us or our
service providers to:
1. 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, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal
activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.

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without the prior consent of Mortgage Quality Management and Research, LLC. You may place this content on your
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4. Exercise free speech, ensure the right of another consumer to exercise their free speech
rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code §
1546 seq.).
6. 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.
7. Enable solely internal uses that are reasonably aligned with consumer expectations
based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the
context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit
a verifiable consumer request to us by either:
 Calling us at 800-________________.
 Visiting us at www.______________
 Emailing us at __________________
Only you or a person registered with the California Secretary of State that you authorize 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:
 Provide sufficient information that allows us to reasonably verify you are the person about
whom we collected personal information or an authorized representative.
 Describe your request with sufficient detail that allows us to properly understand,
evaluate, and respond to it.
We 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.  We will only use personal information provided in a verifiable consumer
request to verify the requestor's identity or authority to make the request. Our practices with
regard to verifying a request will vary depending on the request and the information we
have on the person making the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 days of its receipt.  If we
require more time (up to 90 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

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without the prior consent of Mortgage Quality Management and Research, LLC. You may place this content on your
website.
electronically, at your option.  Any disclosures we provide will only 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
and should allow you to transmit the information from one entity to another entity without
hindrance.
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.
Non-Discrimination
We 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.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When
we make changes to this privacy notice, we will notify you by email or through a notice on
our website homepage.
Contact Information
If you have any questions or comments about this notice, our Privacy Statement, the ways
in which we collect and use your personal information, your choices and rights regarding
such use, or wish to exercise your rights under California law, please do not hesitate to
contact us at:

Phone:
Website:
Email:
Postal Address:
Attn: