Protection of the Privacy of Personal Non-Public Information
Effective January 1, 2020, you have the right to control how and when we share some of your personal information under the California Consumer Privacy Protection Act (“CCPA”). The CCPA provides Californians with more information about consumer-specific personal data that is being collected and sold by companies, as well as provides Californians with the ability to request deletion of that data and to stop companies from selling their personal information to third parties. The CCPA expands consumer privacy rights to include:
· Right to know what personal information is being collected, sold and to whom disclosed
(Ca. civ. Code §1798.100(a) & (b);
· Right to access your personal information (Ca. civ. Code §1798.100(c));
· Right to delete your personal information (Ca. Civ. Code §1798.105);
· Right to opt-out of the sale of your personal information (Ca Civ. Code §1798.120);
· Right to equal service and price (Ca. Civ. Code §1798.125).
For more detailed information on what information is collected by Sprout and how to exercise your rights under the CCPA, please visit our CCPA Privacy Statement. California consumers may submit consumer requests to Sprout under the CCPA by either:
Remember: Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.
Sprout Mortgage, LLC (“Company”) may collect certain types of information from you, such as information you voluntarily provide via forms, surveys, applications, etc. when you visit the Company’s sites. The Company may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name and system configuration and settings.
If you do not accept these cookies, you may experience some inconvenience in your use of some online options.. The Company use web-browsing cookies to display information more effectively to you and to gather data about the usage of the Company’s websites.
At times, the Company may use other technologies to capture customer specific data to help understand how customers use the Company’s sites and to assist us with resolving customers' questions regarding the use of the Company’s sites.
Information collected through cookies and web beacons includes the number of people who look at each of the pages on the Company’s websites, search engine referrals, browsing patterns within the Company’s websites, and responses to advertisements and promotions on the Company’s websites. Information collected may also include other trends and activity on the Company’s websites, basic information about whether you have visited the sites before, your Internet connection and computer settings, such as your browser, your IP address and your time zone.
The Company advertises its products and services on pages within the Company’s websites. These advertisements may take the form of banner ad, and other formats.
The Company contracts advertising with other Companies to advertise the Company’s services on websites not affiliated with the Company. If you click on one of the Company’s ads, you link to the particular Company web page that offers the advertised service. These ads may contain cookies that allow tracking of your response to the Company’s advertisements. These cookies do not identify you personally. The Company prohibits any company that places the Company’s ads from using this information for any purpose other than to assist the Company in measuring the effectiveness of the Company’s ads.
The Company may also share aggregated or anonymous data about the Company’s customers and visitors to the Company’s websites with advertising service providers and with Companies that help the Company understand how you use the Company’s websites.
The Company may provide links to other websites. If you choose to link to websites not controlled by the Company, the Company is not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these websites, you are strongly urged to carefully study their privacy policies before sharing your information.
The Company does not knowingly market to or solicit information from children under 13 without parental consent. The Company recognizes that protecting children's identities and privacy online is important, and that the responsibility to do so rests with both the online industry and with parents. While the Company works to protect your personal information, you also have responsibility.
Internet safety for children. The Internet is a public network. Children's access to the Internet can allow them to visit inappropriate websites and be exposed to unwanted risks. COPPA, the Children's Online Privacy Protection Act, protects children under the age of 13 from the online collection of personal information. Learn more about COPPA on the Federal Trade Commission's website. Parents can be proactive by installing filtering software that gives them more control over their family's Internet experience.
The Company recommends that minors 13 years of age or older ask their parents for permission before sending any information about themselves to anyone over the Internet.
• Protecting the confidentiality of customer information.
• How information is gathered.
• The types of information that is shared, why, and with whom.
• Opting Out - how to instruct a Company not to share certain information about you or not to contact you.
Protecting the Confidentiality of Customer Information:
The Company takes its responsibility to protect the privacy and confidentiality of customer information very seriously and maintains physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction. The Company’s control policies, for example, authorize access to customer information only by individuals who need access to do their work.
From time to time, the Company may enter into agreements with other Companies to provide services to the Company or make products and services available to you. Under these agreements, those Companies may receive information about you but they must safeguard this information, and they may not use it for any other purposes.
How the Company Gathers Information:
As part of providing you with financial products or services, the Company may obtain information about you from the following sources:
• Application, forms, and other information that you provide to the Company, whether in writing, in person, by telephone, electronically, or by any other means. This information may include your name, address, employment information, income, and credit references;
• Your transaction with the Company, its affiliates, or others. This information may include your account balances, payment history, and account usage;
• Consumer reporting agencies. This information may include account information and information about your credit worthiness;
• Public sources. This information may include real estate records, employment records, telephone numbers, etc.
Information the Company Shares:
The Company may disclose information it has about you as permitted by law. The Company is required to or the Company may provide information about you to third parties without your consent, as permitted by law, such as:
• To regulatory authorities and law enforcement officials.
• To protect against or prevent actual or potential fraud, unauthorized, claims, or other liability.
• To report account activity to credit bureaus.
• To consumer reporting agencies.
• To respond to a subpoena or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.
• In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit, etc.
In addition, the Company may provide information about you to its service providers to help the Company perform marketing services. This information provided to these service providers may include the categories of information described above under "How the Company Gathers Information" limited to only that which the Company deems appropriate for these service providers to carry out their functions and enable the Company to market to you.
This policy is subject to change.
You may choose to Opt Out of direct marketing by a Company at any time. You may also limit the contact from a Company. You may Opt Out of the following:
1. No Telephone Calls from the Company;
2. No Email from the Company;
3. No Direct Mail from the Company;
4. Information Sharing with the Company’s affiliates;
5. Information Sharing with non-affiliates of the Company.
To Opt Out please contact the Company as follows:
Sprout Mortgage, LLC: firstname.lastname@example.org or send a letter to: Sprout Mortgage Attn: Compliance Dept., 90 Merrick Ave., East Meadow, NY 11554
as of 7/11/19