California Privacy Policy
This California Privacy Policy supplements the general Privacy Policy of Lender Express Mortgage LLC (“we,” “us,” or “our”) 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) and the California Privacy Rights Act of 2020 (CPRA), as well as California’s Shine the Light and Online Privacy Protection Act (CalOPPA).
1. Information We Collect
We collect personal information that identifies, relates to, describes, or could reasonably be linked to you. In the past 12 months, we may have collected the following categories of personal information:
| Category | Examples | Collected |
|---|---|---|
| Identifiers | Real name, postal address, email address, phone number, IP address | ✅ |
| Personal Information (Cal. Civ. Code §1798.80(e)) | Name, phone number, employment history, bank account number (for loan processing), driver’s license | ✅ |
| Protected Classification Characteristics | Age, marital status | ✅ |
| Commercial Information | Records of products or services purchased or considered | ✅ |
| Internet or Other Network Activity | Browsing history, interaction with website or ads | ✅ |
| Geolocation Data | IP-based location | ✅ |
| Professional or Employment- Related Information | Employer, job title, income verification (for mortgage qualification) | ✅ |
| Sensitive Personal Information | Social Security number, financial data, login credentials (collected solely for processing loans) | ✅ |
2. Sources of Personal Information
We collect information from the following sources:
- Directly from you when you complete forms, request information, or contact us
- Automatically from your device when you visit our website
- From third-party sources such as credit reporting agencies or referral partners (with your consent)
3. Use of Personal Information
We may use or disclose the personal information we collect for the following purposes:
- Processing loan applications and eligibility assessments
- Communicating with you about our services
- Providing support or responding to inquiries
- Personalizing your website experience
- Conducting marketing and advertising campaigns
- Meeting legal or regulatory requirements
We will not use your personal information for purposes materially different from these without providing additional notice.
4. Disclosure of Personal Information
We may disclose your personal information to the following categories of third parties:
- Mortgage lenders, title companies, and credit providers
- Marketing partners and advertising networks
- CRM and lead management vendors
- Website hosting and analytics providers
- Government agencies when required by law
We do not sell your personal information for monetary consideration. However, we may share certain information for cross-context behavioral advertising, as defined under California law.
5. Your California Privacy Rights
California residents have the right to:
a. Right to Know
Request that we disclose the categories and specific pieces of personal information we have collected about you.
b. Right to Delete
Request that we delete personal information we have collected, subject to certain exceptions (e.g., to comply with legal obligations or complete transactions).
c. Right to Correct
Request that we correct inaccurate personal information we maintain about you.
d. Right to Opt-Out of Sale or Sharing
You may opt out of the sale or sharing of your personal information for cross-context behavioral advertising.
[Click Here: Do Not Sell or Share My Personal Information] (link to your opt-out form or mechanism)
e. Right to Limit Use of Sensitive Personal Information
You may limit how your sensitive personal information is used if it is being used for purposes beyond what is necessary to perform requested services.
f. Right to Non-Discrimination
We will not discriminate against you for exercising any of your rights under California law.
6. How to Exercise Your Rights
You may submit requests in the following ways:
We may need to verify your identity before processing certain requests. This may include verifying personal details you have provided previously.
7. Notice of Financial Incentive
We do not offer financial incentives, discounts, or loyalty programs in exchange for the collection or sharing of personal information.
8. Children’s Information
Our website and services are not directed to children under the age of 13. We do not knowingly collect or share the personal information of minors under 16 years old without affirmative authorization.
9. Shine the Light (California Civil Code § 1798.83)
California residents may request information once per year about the categories of personal information we shared with third parties for their own direct marketing purposes and the names of those third parties.
To make a Shine the Light request, email us at: contact@lenderexpressmortgage.com
10. Changes to This Privacy Policy
We reserve the right to amend this Privacy Policy at any time. When we make changes, we will post the updated policy on this page with the “Last Updated” date. Material changes will be communicated as required by law.
11. Contact Us
If you have questions about this policy or our privacy practices, you may contact us:
Email: contact@lenderexpressmortgage.com
Lender Express Mortgage LLC
