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California Consumer Privacy Policy

Carrollton Mortgage

Effective Date: June 10, 2025

This California Consumer Privacy Policy supplements the information contained in Carrollton Mortgage’s general Privacy Policy and applies solely to visitors, 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), as amended by the California Privacy Rights Act of 2020 (CPRA), and other California privacy laws.

Any terms defined in the CCPA/CPRA have the same meaning when used in this notice.

1. Information We Collect

We collect the following categories of personal information:

Examples

Collected?

Identifiers

Real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number

Yes

Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))

Name, signature, Social Security number, address, telephone number, employment, employment history, bank account number, financial information

Yes

Protected classification characteristics under California or federal law

Age (40 years or older), race, color, ancestry, national origin, citizenship, marital status, sex, veteran or military status

Commercial information

Records of personal property, products or services purchased, obtained, or considered

Yes

Internet or other similar network activity

Browsing history, search history, interaction with our website, application, or advertisement

Yes

Geolocation data

Physical location or movements (based on IP address or device settings)

Professional or employment-related information

Current or past job history or performance evaluations

Yes

Non-public education information (per FERPA)

Educational records directly related to a student maintained by an educational institution

Inferences drawn from other personal information

Profile reflecting a person's preferences, characteristics, behavior, attitudes

2. Sources of Personal Information

We collect personal information from:

You directly (when you apply for a mortgage or communicate with us)
Your interactions with our website
Third-party sources such as credit bureaus and verification services
Public records (where legally permitted)

3. Use of Personal Information

We may use or disclose your personal information for one or more of the following business purposes:

To process your mortgage application
To provide you with services and support
To maintain your account
To comply with legal obligations
To detect and prevent fraud or security incidents
To improve our website and services
To send marketing communications (you may opt out at any time)

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.

4. Sharing Personal Information

Carrollton Mortgage does not sell your personal information to third parties.

We may disclose your personal information to third parties for a business purpose:

Service providers (loan processors, credit agencies, software vendors, compliance consultants)
Government agencies and regulators (when required by law)
Other third parties as necessary to provide services or comply with legal obligations

When we disclose personal information for a business purpose, we enter into a contract that describes the purpose and requires the recipient to keep that personal information confidential and not use it for any purpose except performing the contract.

5. Your Rights and Choices

Your CCPA/CPRA Rights

As a California resident, you have the right to:

Know — Request that we disclose what personal information we collect, use, disclose, and share about you.
Delete — Request that we delete personal information we have collected about you (subject to certain legal exceptions).
Correct — Request that we correct inaccurate personal information we maintain about you.
Opt-Out of Sale or Sharing — You have the right to opt-out of the "sale" or "sharing" of personal information (although Carrollton Mortgage does not sell personal information).
Limit the Use and Disclosure of Sensitive Personal Information — We do not use sensitive personal information in ways that trigger this right, but you may request additional details if needed.
No Discrimination — You have the right not to receive discriminatory treatment for exercising any of your privacy rights under the CCPA/CPRA.

Exercising Your Rights

To exercise your CCPA/CPRA rights, you may submit a request by:

Phone: 209.526.6200
Email: [email protected]

You may also designate an authorized agent to make a request on your behalf.

Verification Process:

To protect your privacy and security, we may need to verify your identity before processing certain requests (for example, by matching information provided in your request with information we already have on file).

6. Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfill the purposes outlined in this policy and as required by applicable law.

Our data retention periods may vary depending on:

The type of personal information
Legal and regulatory requirements
Business needs and service agreements

7. Non-Discrimination

We will not discriminate against you for exercising any of your CCPA/CPRA rights. For example, we will not:

Deny you goods or services
Charge you different prices or rates for goods or services
Provide you a different level or quality of goods or services

8. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes to our information practices. If we make material changes, we will notify you by updating the "Effective Date" at the top of this policy.

We encourage you to review this policy periodically.

9. Contact Us

If you have any questions or comments about this policy, the ways in which Carrollton Mortgage collects and uses your information, your rights under California law, or if you wish to exercise your rights, please contact us at:

Carrollton Mortgage

Phone: 209.526.6200

Email: [email protected]