California Privacy Policy

Last updated January 2023

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Privacy Statement
This PRIVACY POLICY FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Policy of Liberty Home Mortgage Corporation (collectively, “Liberty Home Mortgage”, “We,” “Us,” or “Our”) and applies solely to consumers, visitors, users, and others who reside in the State of California (“Consumers” or “You”). We adopt this policy/notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”), California Privacy Rights Act of 2020 (CPRA) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect
Liberty Home Mortgage collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with or to a consumer, individual or device (“personal information”). More specifically, Liberty Home Mortgage has 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.	YES
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.	YES
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).	YES
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	NO
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.	NO
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.	YES
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.	NO
K. Inferences drawn from other personal information.	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	NO

Personal information does not include:

Publicly available information from government records.
De-identified or aggregated consumer information.
Information excluded from the CCPA's scope, like:
- health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.
- 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.

PERSONAL INFORMATION LISTED ABOVE OBTAINED FROM THE FOLLOWING CATEGORIES OF SOURCES:

Directly from consumers or their agents. For example, from conversations and discussions and from documents that Liberty Home Mortgage borrowers provide to us related to mortgage loan origination.
Indirectly from consumers or their agents. For example, through information Liberty Home Mortgage collects and obtains during the mortgage loan origination process.
Directly and indirectly from activity on our website (www.libertyhomemortgage.org). For example, from submissions through our website portal or website usage details collected automatically.
From unaffiliated 3rd For example, an Appraiser or Appraisal Management Company.

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 evaluate creditworthiness or process, underwrite or close a mortgage loan, We will use that information accordingly.
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 loan payments.
To improve Our website and present its contents to You.
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.
To report to government agencies as required by law or regulation.
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.

Use of Personal Information
Liberty Home Mortgage may use or disclose the personal information it collects for one or more of the following business purposes:

To provide World Class Service in meeting the reason for which the information is provided. For example, if you provide Liberty Home Mortgage with personal information for us to originate, process, underwrite and close a mortgage loan, then we will use that information either partially or during the entire loan process life cycle.
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 improve our website and present its contents to you.
As necessary or appropriate to protect the rights, property or safety of Liberty Home Mortgage, and past, present and future Liberty Home Mortgage 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, or other sale or transfer of some or all of Liberty Home Mortgage assets, in which personal information held by Liberty Home Mortgage is among the assets transferred.

At all times relevant, we will not collect additional categories of personal information or use the personal information Liberty Home Mortgage collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information
Liberty Home Mortgage may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, the recipient is required to both keep that personal information confidential and not use it for any purpose.

In the preceding twelve (12) months, Liberty Home Mortgage disclosed the following categories of personal information for a business purpose:

Category A: Identifiers

Category B: California Customer Records personal information categories.

Category C: Protected classification characteristics under California or federal law.

Category I: Professional or employment-related information.

Liberty Home Mortgage discloses your personal information for a business purpose to the following categories of third parties:

Our affiliates.
Service providers.
Third parties to whom you or your agents authorized Liberty Home Mortgage to disclose your personal information.

In the preceding twelve (12) months, Liberty Home Mortgage has not sold any personal information.

Your Rights and Options
The CCPA provides consumers (California residents, California property owners and those contemplating or purchasing California property) with detailed rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

LIBERTY HOME MORTGAGE DOES NOT SELL, NOR DOES LIBERTY HOME MORTGAGE INTEND TO SELL, YOUR PERSONAL INFORMATION TO THIRD PARTIES.

Access to Specific Information
You have the right to request that we disclose certain information to you about Liberty Home Mortgage’s collection and use of your personal information over the past 12 months. Once Liberty Home Mortgage is in receipt of and confirms 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 that personal information.
The categories of third parties with whom we shared that personal information.
The specific pieces of personal information we collected about you.
If we disclosed your personal information for a business purpose, a list identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to
We may deny your deletion request if retaining the information is necessary for Us or Our service providers 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, 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.

Exercising Access, Data Portability, and Deletion Rights
To exercise the access and/or deletion rights described above, please submit a verifiable consumer request to us by either:

Calling Us at:
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 twice within a 12-month period. The verifiable consumer request should:

Provide enough information that permits Liberty Home Mortgage to reasonably verify you are the person about whom we collected personal information.
Describe your request with details that allows Liberty Home Mortgage to properly understand, evaluate, and respond to it.

Response Timing and Format
Liberty Home Mortgage cannot timely or accurately 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. Please be advised that submitting a verifiable consumer request does not require you to create an account with Liberty Home Mortgage. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Liberty Home Mortgage will use best efforts and diligently respond to a verifiable consumer request on or before 45 days of receipt. Should unusual circumstances dictate that additional time (up to 90 days) is warranted, Liberty Home Mortgage will inform you of the reason and extension period in writing. Liberty Home Mortgage will deliver a written response by mail or electronically, at Liberty Home Mortgage’s option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. Our response may also explain the reason(s) that Liberty Home Mortgage cannot comply with a request, if applicable.

At this time and until further notice, Liberty Home Mortgage does not charge a fee to process or respond to your verifiable consumer request unless it is excessive, malicious, repetitive, harassing in nature 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

Liberty Home Mortgage does not and will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, Liberty Home Mortgage 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 Policy at Our discretion and at any time. When We make changes to this Privacy Policy, We will notify You by email or through a notice on our website homepage. Your continued use of Our website following the posting of changes constitutes your acceptance of such changes.

Contact Information
If You have any questions or comments about this Policy, our Privacy e 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: 844-744-0010

Website: libertyhomemortgage.org

Email: info@libertyhomemortgage.org

Postal Address:
Liberty Home Mortgage Corporation
Attn: Compliance Dept.
6225 Oak Tree Blvd.
Independence, OH 44131