CALIFORNIA PRIVATE POLICY
Last updated January 2023
Last updated January 2023
This is not a commitment to loan. Loans are subject to
borrower qualifications, including income, property
evaluation, sufficient equity in the home to meet LTV
requirements for refinances, and final credit approval. Not
all applicants will qualify. Approvals are subject to
underwriting guidelines, interest rates, and program
guidelines, and are subject to change without notice based
on applicant’s eligibility and market conditions. Liberty
Home Mortgage Corporation is not acting on behalf of or at
the direction of HUD/FHA or the Federal Government. Liberty
Home Mortgage Corporation is approved to participate in FHA
programs, but the products and services performed by Liberty
Home Mortgage Corporation are not coming directly from HUD
or FHA. Equal Housing Opportunity. 4401 Rockside Rd, Suite
310, Independence, OH 44131 1-844-744-0010.
Category
A. Identifiers.
A. Identifiers.
Examples
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.
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.
Collected
YES
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 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:
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 Cont.
Liberty Home Mortgage may use or disclose the personal information it collects for one or more of the following business purposes:
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.
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 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, 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.
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:
In the preceding twelve (12) months, Liberty Home
Mortgage has not sold any 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.
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 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 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:
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 844-744-0010
Emailing us at info@libertyhm.com
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.
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.
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 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: 844-744-0010
Website: www.libertyhomemortgage.org
Email: info@libertyhm.com
Postal Address:
Liberty Home Mortgage Corporation
Attn: Compliance Dept.
6225 Oak Tree Blvd.
Independence, OH 44131
If You have any questions or comments about this Policy, 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: 844-744-0010
Website: www.libertyhomemortgage.org
Email: info@libertyhm.com
Postal Address:
Liberty Home Mortgage Corporation
Attn: Compliance Dept.
6225 Oak Tree Blvd.
Independence, OH 44131