This section supplements the information in FBC Mortgage, LLC’s (dba Home Loans Today) privacy notice and applies solely to California residents (‘Consumer’). The California Consumer Protection Act (‘CCPA’) provides consumers with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Under CCPA, California residents have the right to know about information collected disclosed or sold, the right to opt out of the sale of certain information, and a limited right to have businesses delete information a business has collected about the consumer. These rights extend only to California residents and information covered by CCPA. Because CCPA does not cover all consumer data in all situations, only certain consumer data subject to these rights.
Information collected under the Gramm-Leach-Bliley Act (Public Law 106-102), the Fair Credit Report Act (15 U.S.C. Sec. 1681 et seq.) and the California Financial Information Act (Division 1.4, Section 4050) are exempt from CCPA.
PLEASE NOTE: Any personal data collected by FBC Mortgage, LLC (dba Home Loans Today) is in relation to a mortgage loan and is exempt from the consumer rights to know, delete and opt-out created under CCPA because this information is governed by the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, the California Financial Information Privacy Act or other state and federal laws which exempt this data from CCPA.
Information We Collect
FBC Mortgage, LLC (‘FBC’) (dba Home Loans Today) collects information that identifies, relates to, describes and references a particular consumer, known as “Personal Information”. Not all Personal Information collected is subject to CCPA. All Personal Information collected pursuant to this notice that is subject to CCPA is collected for a Business Purpose and may be shared with service providers if necessary to perform a Business Purpose. We may have collected the following categories of personal information from consumers within the last 12 months:
** While FBC (dba Home Loans Today) does not sell Personal Information, FBC (dba Home Loans Today) may share Personal Information with its nonaffiliated insurance providers and other financial institutions so they can market to you.
Consumer Rights Under CCPA:
Right to Know – You have the right to request that FBC Mortgage, LLC (dba Home Loans Today) disclose what personal information is has collected, used, disclosed and sold over the past 12 months.
Right to Delete – You have the right to request that FBC Mortgage, LLC (dba Home Loans Today) delete certain personal information is has collected. However, this right does not apply where FBC Mortgage, LLC (dba Home Loans Today) needs to retain your information to comply with the law.
Right to Opt Out – You have the right to Opt Out of the sale of your Personal Information. FBC Mortgage, LLC (dba Home Loans Today) does not sell Personal Information for marketing purposes.
Right to Non – Discrimination – You have the right to not be discriminated against for having exercised your rights under CCPA.
To exercise these rights, please visit us online: http://homeloanstoday.fbcmortgagellc.com/opt-out/ or call 407-529-3000.