Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.
Information We Collect
We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
- Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
- Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
- From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.
Information We Disclose
Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.
By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.
We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.
All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.
We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.
CALIFORNIA CONSUMER PRIVACY ACT (CCPA) DISCLOSURELAST UPDATED: July 11, 2022
Rights for California Residents
If you are a California resident you have certain rights under the California Consumer Privacy Act of 2018 (Cal. Civ. Code §1798.100 et seq.) regarding your personal information, including:
1. Right to Know About and Access Your Personal Information
You have the right to send us a request for any of the following personal information we have collected about you in the preceding twelve (12) months:
- The categories of Personal Information we have collected about you
- The categories of sources from which we collected your Personal Information
- The business or commercial purposes for collecting your Personal Information
- The categories of third parties with whom we shared your Personal Information
- The specific pieces of Personal Information we collected about you
2. Right to Delete Your Personal Information
You may have the right to request a deletion of your certain Personal Information that we have collected about you. However, this right to deletion does not apply to any of your Personal Information that is subject to an exception under the CCPA (as described below).
We may deny your deletion request where your Personal Information is required for any of the following reasons, which we will identify in our response to you if we deny your request:
- 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.
- Enable solely internal uses that are reasonably aligned with your 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.
3. Right to Opt-Out of the Sale of Your Personal Information; Right to Receive Information regarding Sale of Personal Information
CCPA grants you right to opt-out of the sale of your personal information and right to receive information regarding sale of personal information. At Summit Mortgage Bankers, Inc, we do not engage in the sale of personal information as contemplated by the CCPA, therefore we do not offer an opt-out from the sale of personal information. As noted elsewhere in this disclosure, we share personal information with other businesses for a variety of reasons. While we often benefit from such exchanges, we do not share personal information for the sole purpose of receiving compensation for that information.
4. Right to Non-Discrimination
You have a right to not receive discriminatory treatment for exercising your privacy rights. Specifically, except as permitted by the CCPA, we will not deny you goods or services; charge you different prices or rates; provide you with a different level of service or quality of goods or services.
We also must provide in this online disclosure certain details about our collection and handling of personal information. The information that follows shows the types of personal information we may collect about California residents, the sources from which we collect it, and the ways in which we use and disclose it.
Categories of Personal Information
- Personal identifiers, including those listed in other California statutes: Real name; alias; Social Security number; passport number; other government issued number; Green Card number; driving license number; telephone number; email address; postal address; account name; online identifier; device identifier; IP address
- Characteristics of protected classifications: date of birth/age; gender; military or veteran status; marital status; nationality; citizenship; request for family care leave; request for leave for employee’s own serious health condition; request for pregnancy leave
- Biometric information: fingerprint; voice recordings; keystroke patterns and rhythms
- Professional or Employment: title; salary; employment files; references
- Education information: details of your education and qualifications
- Financial details: bank account numbers; debit/credit card numbers; cardholder or accountholder name and details; transaction details
- Commercial Information: records of personal property; products and service purchased, obtained or considered; purchasing or consuming histories or tendencies
- Internet or other electronic network activity information: browsing history, search history, information regarding your interaction with a website, application or advertisement
- Geolocation data: any information used to identify your physical location
- Communications, recordings, images: audio, electronic, visual
Sources of Personal Information
Category of Sources from which we Collect Personal Information
- We obtain your personal information when you provide it to us (e.g., where you contact us via email or telephone, or by any other means)
- We collect personal information that you manifestly choose to make public, including via social media (e.g., we may collect information from your social media profile(s), to the extent that you choose to make your profile publicly visible)
- We receive your personal information from third parties who provide it to us (e.g., credit reference agencies; and law enforcement authorities)
- We collect or obtain personal information when you visit our Sites or use any features or resources available on or through a Site. When you visit a Site, your device and browser may automatically disclose certain information (such as device type, operating system, browser type, browser settings, IP address, language settings, dates and times of connecting to a Site and other technical communications information), some of which may constitute Personal Data
Use of Personal Information
Business and Commercial Purposes for Use of Personal Information
- Marketing/Prospecting: communicating with you via any means (including via email, telephone, text message, social media, post or in person) subject to ensuring that such communications are provided to you in compliance with applicable law; and maintaining and updating your contact information where appropriate
- Operation of our Sites: operation and management of our Sites; providing content to you; displaying advertising and other information to you; and communicating and interacting with you via our Sites
- Financial management: sales; finance; corporate audit; and vendor management
- Research: conducting market or customer satisfaction research; and engaging with you for the purposes of obtaining your views on our products and services
- Security: physical security of our premises (including records of visits to our premises and CCTV recordings); and electronic security (including login records and access details, where you access our electronic systems)
- Fraud prevention and Investigations: detecting, investigating and preventing breaches of policy, and criminal offences, in accordance with applicable law
- Legal compliance: compliance with our legal and regulatory obligations under applicable law
- Improving our products and services: identifying issues with existing products and services; planning improvements to existing products and services; and creating new products and services
- Risk Management: Audit, compliance, controls and other risk management
Disclosure of Personal Information
Categories of Third Parties to Whom Personal Information is Disclosed
- You and, where appropriate, your family, your associates and your representatives
- Anti-fraud services
- Accountants, auditors, lawyers and other outside professional advisors to us, subject to confidentiality
- Third party service providers (such as payment services providers; shipping companies; etc.)
- Governmental, legal, regulatory, or other similar authorities and/or local government agencies, upon request or where required
- Any relevant third-party acquirer(s), in the event that we sell or transfer all or part of our business or assets
Changes to this Disclosure
We may change this disclosure from time to time. When we do, we will let you know by appropriate means such as by posting the revised disclosure on our CCPA web site with a new “Last Updated” date. Any changes to this disclosure will become effective when posted unless indicated otherwise.
How to Exercise your California Privacy Rights
To exercise one or more of your rights, you or someone you authorize, may call us at (877) 282-6561, send us an email to firstname.lastname@example.org; or click on the following Contact Us link to submit your CCPA request.