Lendistry Home Loans US Privacy Rights Notice
This US States Privacy Notice (“Notice”) describes how the Lendistry Home Loans, LLC (“LHL”) handles your personal information (“Consumer” or “you”), the reasons we do so, and the rights you have as a resident of the states listed below. This Notice supplements the supplements the LHL Privacy Policy and with effect from the Effective Date(s) indicated for each state:
| Consumer’s State of Residence | Regulation | Effective Date |
|---|---|---|
| California | California Consumer Privacy Act (CCPA, which includes CPRA) | April 1, 2024 |
| Colorado | Colorado Privacy Act (CPA) | April 1, 2024 |
| Connecticut | Connecticut Data Privacy Act (CDPA) | April 1, 2024 |
| Virginia | Virginia Consumer Data Protection Act (VCDPA) | April 1, 2024 |
| Utah | Utah Consumer Privacy Act (UCPA) | April 1, 2024 |
State privacy laws require a business that collects Consumer’s Personal Information (defined below) to inform you of the categories of Personal Information to be collected and the purposes for which the categories of Personal Information shall be used.
- Additional Privacy Rights. Subject to limitations provided in this Notice, residents of certain states have additional privacy rights.
- California CCPA also extends these rights to job applicants, employees, contractors, or former employees (collectively the “Employee or you”) who are residents of California.
- Other applicable laws or regulations may govern data LHL gathers about you or that you provide to us including, but not limited to:
- Information to or from a consumer reporting agency if that information is to be reported in, or used to generate, a consumer report as defined by subdivision (d) of Section 1681a of Title 15 of the United States Code, and use of that information is limited by the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.)
- Information collected, processed, sold, or disclosed pursuant to the federal Gramm– Leach–Bliley Act (Public Law 106–102) and implementing regulations, information processing if conducted by a Gramm–Leach–Bliley Act Institution, or the California Financial Information Privacy Act (Division 4 (commencing with Section 4050) of the Financial Code).
- Information We Collect
- LHL collects 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”).
- LHL does not disclose or use sensitive Personal Information for any other purposes than provided below.
- We may have collected the following categories of Personal Information from Consumers within the last 12 months:
| Category | Examples | Does LHL collect this Category of Information? | Categories of Sources from which the Information was Collected | Business Purpose | Categories of third parties with whom the business shares this information |
|---|---|---|---|---|---|
| Identifiers | Your 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 | Consumers provide this information directly to us or through their interaction with our products or services; licensors; service providers, including consumer data resellers; and marketing partners. | • to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; • to improve the quality, safety, and security of our products and or to enhance services; • to administer your account(s); • to process your payments for products and services and/or make payments to you in connection with such products and services; • to operate our websites and applications, including online registration and application processes; • to develop new products and services; • to undertake internal research for technological development and demonstration; • to customize and improve communication content; • to provide advertising and marketing services; to comply with legal, regulatory, or contractual requirements; to audit compliance with applicable standards; • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; and • to debug to identify and repair errors that impair existing intended functionality. | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
| Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)), and personal Information as defined in CPA, CTDPA,VCDPA, and UCPA. | Your 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, any other financial information, or medical information. Some Personal Information included in this category may overlap with other categories | Yes | Consumers provide this information directly to us or through their interaction with our products or services; licensors; service providers, including consumer data resellers; and marketing partners. | • to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; • to improve the quality, safety, and security of our products and or to enhance services; to administer your account(s); • to process your payments for products and services and make payments to you in connection with such products and services; • to develop new products and services; • to comply with legal, regulatory, or contractual requirements; • to audit compliance with applicable standards; and • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity. | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
| Protected classification characteristics under State or federal law | Your age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, veteran or military status, genetic information. | Yes | Consumers provide this information directly to us or through their interaction with our products or services; licensors; service providers, including consumer data resellers; and marketing partners. | • to provide our products and services; • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; • to develop new products and services; • to audit compliance with applicable standards; and • to comply with legal, regulatory, or contractual requirements | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
| Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Yes | Consumers provide this information directly to us or through their interaction with our products or services; licensors; and service providers, including consumer data resellers. | • to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; • to improve the quality, safety, and security of our products and services; • to administer your account(s); • to process your payments for products and services and make payments to you in connection with such products and services; • to develop new products and services; • to comply with legal, regulatory, or contractual requirements; • to audit compliance with applicable standards; and • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity. | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
| Biometric information | Your 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, gait, or other physical patterns, and sleep, health, or exercise data. | Yes | Consumers provide this information directly to us or through their interaction with our products or services; licensors; and service providers, including consumer data resellers. | • to provide our products and services; • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; • to audit compliance with applicable standards; and • to comply with legal, regulatory, or contractual requirements. | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
| Internet or other similar network activity | Information about how you interact with our services, including browser information, browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement, IP address, online identifiers, and details of a your’s interactions with our website and applications, | Yes | Consumers provide this information directly to us or through their interaction with our products or services; licensors; and service providers, including consumer data resellers. | • to provide our products and services; • to improve the quality, safety, and security of our products and services; • to operate our websites and applications, including online registration and application processes; • to develop new products and services; • to customize and improve communication content; • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; and • to debug to identify and repair errors that impair existing intended functionality. | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
| Geolocation data | Physical location or movements. | No | N/A | N/A | N/A |
| Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | No | N/A | N/A | N/A |
| Professional or employment- related information | Current or past job history or performance evaluations. | Yes | Consumers provide this information directly to us or through their interaction with our products or services; licensors; and service providers, including consumer data resellers. | • to provide our products and services; • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; • to audit compliance with applicable standards; and • to comply with legal, regulatory, or contractual requirements. | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
| Non-public education information (per the Family Educational Rights and Privacy Act (20 USC 1232g) | 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. | Yes | Consumers provide this information directly to us or through their interaction with our products or services; licensors; and service providers, including consumer data resellers. | • to provide our products and services; • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; • to audit compliance with applicable standards; and • to comply with legal, regulatory, or contractual requirements. | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
| Inferences drawn from other Personal Information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | Yes | Consumers provide this information directly to us or through their interaction with our products or services; licensors; and service providers, including consumer data resellers. | • to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; • to improve the quality, safety, and security of our products and or to enhance services; • to administer your account(s); • to process your payments for products and services and/or make payments to you in connection with such products and services; • to operate our websites and applications, including online registration and application processes; • to develop new products and services; • to undertake internal research for technological development and demonstration; to customize and improve communication content; • to provide advertising and marketing services; to comply with legal, regulatory, or contractual requirements; • to audit compliance with applicable standards; • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; and • to debug to identify and repair errors that impair existing intended functionality. | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
| Sensitive Personal Information | Personal Information that reveals a consumer’s social security, driver’s license, state identification card, or passport number. A consumer’s account log-in, financial account, debit card, or credit card in combination with any required security or access code, password, or credentials allowing access to an account. A consumer’s precise geolocation, racial or ethnic origin, religious or philosophical beliefs, or union membership. | Yes | Consumers provide this information directly to us or through their interaction with our products or services; licensors; and service providers, including consumer data resellers. | • to provide our products and services; • to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; • to audit compliance with applicable standards; and • to comply with legal, regulatory, or contractual requirements. | Our service providers; data analytics providers; government entities; financial institution partners and purchasers of our loans. |
- We may have collected the following categories of Personal Information from California Employees within the last 12 months:
| Category | Examples | Does the Company collect this Category of Information? | Categories of Sources from which the Information was Collected | Business Purpose | Categories of third parties with whom the business shares this information |
|---|---|---|---|---|---|
| Identifiers | Your 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 | Job applicants or employees provide information to us directly or through their interaction with our websites, and or using web technologies, third parties, service providers, credit reporting agencies or government agencies. | Job application or employment related activities. | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| 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, any other financial information, or medical information. Some Personal Information included in this category may overlap with other categories. | Yes | Job applicants or employees provide information to us directly or through their interaction with our websites, and or using web technologies, third parties, service providers, credit reporting agencies or government agencies. | Job application or employment related activities, security, access controls, and maintaining site quality | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| Protected classification characteristics under California or federal law | Your age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, veteran or military status, genetic information. | Yes | Job applicants or employees provide information to us directly or through their interaction with our websites, and or using web technologies, third parties, service providers, or government agencies. | Job application or employment related activities. | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | No | N/A | N/A | N/A |
| Biometric information | Your 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, gait, or other physical patterns, and sleep, health, or exercise data. | Yes | Job applicants or employees provide information to us directly or through their interaction with our websites, and or using web technologies, third parties, service providers, or government agencies. | Job application or employment related activities. | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| Internet or other similar network activity | Browsing history, search history, information on your interaction with a website, application, or advertisement. | Yes | Job applicants or employees provide information to us directly or through their interaction with our websites, and or using web technologies, third parties, service providers, credit reporting agencies or government agencies. | Job application or employment related activities, security, access controls, and maintaining site quality | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| Geolocation data | Physical location or movements. | Yes | Job applicants or employees provide information to us directly or through their interaction with our websites, and or using web technologies, third parties, service providers, or government agencies | Job application or employment related activities, security, access controls, and maintaining site quality | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | Yes | Job applicants or employees directly, our websites, and or using web technologies. | Job application or employment related activities, security, access controls, and maintaining site quality | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| Professional or employment- related information | Current or past job history or performance evaluations. | Yes | Job applicants or employees provide information to us directly or automatically through their interaction with our licensors, third parties and service providers. | Job application or employment related activities. | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| Non-public education information (per the Family Educational Rights and Privacy Act (20 USC 1232g, 3 | 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 | Yes | Job applicants or employees provide information to us directly or through their interaction with our websites, and or using web technologies, third parties, service providers, credit reporting agencies or government agencies. | Job application or employment related activities. | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| Inferences drawn from other Personal Information | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | Yes | Job applicants or employees provide information to us directly or through their interaction with our websites, and or using web technologies, third parties and service providers | Job application or employment related activities. | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
| Sensitive Personal Information | Personal Information that reveals a consumer’s social security, driver’s license, state identification card, or passport number. A consumer’s account log-in, financial account, debit card, or credit card in combination with any required security or access code, password, or credentials allowing access to an account. A consumer’s precise geolocation, racial or ethnic origin, religious or philosophical beliefs, or union membership. The contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication. A consumer’s genetic data. The processing of biometric information for the purpose of uniquely identifying a consumer | Yes | Job applicants or employees provide information to us directly or through their interaction with our websites, and or using web technologies, third parties, service providers, credit reporting agencies or government agencies. | Job application or employment related activities. | Our affiliates, professional service providers, regulators and legal authorities and agencies. |
- State Privacy Rights
- This summary may not constitute your entire set of privacy rights. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of Consumers or Employe
- Subject to the limitations provided in this Notice, below is a summary of additional rights provided to consumers and/or job applicants, employees, and former employees under various state laws.
| Data Subject Right | Data Subject | |
|---|---|---|
| Consumers | Employees | |
| Right to Know About Personal Information Collected, Disclosed, or Sold. You have the right to request that a business disclose what Personal Information it collects, uses, discloses, and sells. | CA, CO, CT, UT, VA | CA |
| Right to Access Personal Information. You have the right to request access to the Personal Information it has collected about you in the previous 12 months. | CA, CO, CT, UT, VA | CA |
| Right to Correct Personal Information. You have the right to request correction of inaccurate Personal Information. | CA, CO, CT, VA | CA |
| Right to Request Deletion of Personal Information. You may have the right to request the deletion of your Personal Information collected or maintained by the Company. | CA, CO, CT, UT, VA | CA |
| Right to Opt-Out of the Sharing or Sale of Personal Information. You may have the right to opt-out of the sharing or sale of their Personal Information by a business. Note that the Company does not, and will not, sell your Personal Information. | CA, CO, CT, UT, VA | CA |
| Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights. You have the right not to receive discriminatory treatment by the Company for the exercise of the privacy rights conferred by State privacy laws. | CA, CO, CT, UT, VA | CA |
| Right to limit Processing of Sensitive personal Information. You have the right to limit our processing of your Sensitive Personal Information to only uses that are necessary to provide or perform the services that you request. The Sensitive Personal Information that we collect is only used to provide or perform the services for which the information is necessary and that would be reasonably expected by you. For Utah residents, your right to be notified about the processing of sensitive data and opt out is limited by information collected, processed, sold, or disclosed pursuant to the federal Gramm–Leach–Bliley Act (Public Law 106–102). | CA, UT | CA |
| Right to Appeal Decisions. You may have the right to appeal the denial of a request or the right to be informed of the reasons for the Company not taking action. | CO, VA | CA |
- Submitting a Verifiable Consumer Request
- In certain states you may have rights to have certain Personal Information deleted or not used for particular purposes, or you may have rights to certain additional information regarding the use of your Personal Information.
- To exercise any of these rights, you must either fill out our webform https://www.requesteasy.com/65b9-3155 or email [email protected]. We will respond to your request in accordance with applicable laws and within the required timeframes. Please note that we may need to verify your identity before processing your request..
- After submitting a request, we will verify your identity by matching the identifying information provided by you to the Personal Information already maintained by us, or, in cases where your request requires a higher degree of certainty, we may use a third-party identity verification service or ask for a photo ID or for more information. Any information you provide us that is not already in our system will be deleted after your request has been fulfilled in accordance with applicable law.
- Authorized Agents.
- You may use an authorized agent to submit a request to know or a request to delete under applicable law.
- If you use an authorized agent to submit a request to know or a request to delete, you must provide LHL with written permission from you giving the authorized agent permission to submit the request on your behalf, and you may be required to verify the authorized agent’s identity with LHL.
- LHL may deny a request from an agent that does not submit proof that they have been authorized by the consumer to act on their behalf.
- Limitations and Exemptions
Personal Information collected in relation to a mortgage loan may be exempt from some or all Consumer rights requests because this information is governed by the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, or other state and federal laws which exempt this data.
- Additional Information
For more information about our general privacy practices, please visit LHL Privacy Policy
Date this Notice was last updated: April 1, 2024