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Privacy Policy for Custom MTG Inc DBA Custom Mortgage and Real Estate (CMRE)

Last Updated: September 1, 2024

At Custom MTG Inc DBA Custom Mortgage and Real Estate (“CMRE,” “we,” “us,” or “our”), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our services. By accessing or using our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect various types of information to provide and improve our services to you:

A. Personal Information

Information you provide directly to us, which may include:

• Identification Details: Full name, date of birth, Social Security number, driver’s license number, or other government-issued identification.
• Contact Information: Mailing address, email address, phone numbers.
• Financial Information: Income, assets, bank account details, credit history, employment information.
• Property Information: Property address, estimated value, ownership details.

B. Automatically Collected Information

When you interact with our website, we may collect:

• Device Information: IP address, browser type, operating system.
• Usage Data: Pages viewed, links clicked, time spent on pages.
• Cookies and Similar Technologies: Tracking user preferences and sessions.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• Processing Applications: To process and evaluate your loan applications or other service requests.
• Customer Support: To respond to your inquiries, provide technical support, and address your concerns.
• Service Improvement: To understand how our services are used and to improve our offerings.
• Marketing Communications: To send you promotional materials, newsletters, and other information that may be of interest to you, subject to your communication preferences.
• Legal Compliance: To comply with applicable laws, regulations, and legal processes.

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

A. With Service Providers

We may disclose your information to third-party vendors and service providers who perform services on our behalf, such as:

• Appraisers and Inspectors
• Credit Reporting Agencies
• Title and Escrow Companies
• Financial Institutions

These parties are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.

B. Within Our Corporate Family

We may share information with our affiliates and subsidiaries for business operations, marketing, and advertising purposes.

C. Legal Obligations

We may disclose your information:

• To comply with legal obligations, subpoenas, or court orders.
• To protect and defend our rights and property.
• To prevent or investigate possible wrongdoing in connection with our services.
• To protect the personal safety of users or the public.

D. Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the transaction.

E. With Your Consent

We may share your information with third parties when you provide consent or direct us to do so.

4. Your Choices and Rights

We respect your privacy rights and provide you with options to control your information:

A. Access and Correction

You may request access to or correction of your personal information by contacting us using the details provided below.

B. Opt-Out of Marketing Communications

• Email Communications: You can opt-out by clicking the “unsubscribe” link in promotional emails.
• Postal Mail: Follow the instructions provided in the mailing or contact us directly.
• Telephone Marketing: Inform the caller that you do not wish to receive further marketing calls.

C. Do Not Track Signals

Our website does not currently respond to “Do Not Track” browser signals. However, you can manage cookie preferences through your browser settings.

5. Security Measures

We implement industry-standard security measures to protect your information, including:

• Encryption: Secure Socket Layer (SSL) technology for data transmission.
• Access Controls: Restricted access to personal information to authorized personnel only.
• Regular Monitoring: Ongoing security assessments and updates to protect against unauthorized access.

Please note that no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

• Cookies: Small data files stored on your device to remember your preferences.
• Web Beacons: Tiny graphics that monitor user activity on our website.
• Analytics Services: Third-party services like Google Analytics to understand website traffic and usage.

You can manage cookies through your browser settings, but disabling them may affect the functionality of our website.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor, please contact us to remove the data.

9. International Users

Our services are intended for users in the United States. If you are accessing our services from outside the U.S., please be aware that your information may be transferred to and processed in the U.S., where data protection laws may differ from those in your country.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website with a new “Last Updated” date.
• Sending you an email notification if you have provided your email address.

Your continued use of our services after such changes constitutes your acceptance of the new Privacy Policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at:

Custom Mortgage and Real Estate (CMRE)

Attn: Privacy Officer

16501 Ventura Blvd, STE 400

Encino, CA 91436

Email: info@c-mtg.com

Phone: 877-976-5669

12. California Residents’ Privacy Rights

Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal information:

A. Right to Know

You have the right to request information about:

• Categories of Personal Information: Types of information we’ve collected about you.
• Sources: How we obtained your personal information.
• Purpose for Collection: Why we collect your information.
• Third Parties: With whom we share your information.

B. Right to Delete

You may request the deletion of personal information we have collected from you, subject to certain exceptions such as:

• Completing a transaction or service you requested.
• Security purposes.
• Legal obligations.

C. Right to Opt-Out

You have the right to opt-out of the sale of your personal information. However, please note that CMRE does not sell personal information to third parties for monetary consideration.

D. Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. This means we will not:

• Deny you goods or services.
• Charge you different prices or rates.
• Provide a different level or quality of services.

E. How to Exercise Your Rights

To exercise your rights under the CCPA:

• Call Us: Toll-free at 877-976-5669.
• Email Us: info@c-mtg.com.
• Online Form: Submit a request through our website’s privacy portal.

F. Verification Process

We will verify your identity before processing your request by:

• Asking you to provide at least two pieces of personal information matching our records.
• For authorized agents, requiring written permission and verifying your identity directly.

G. Response Time

We aim to respond to all verified requests within 45 days. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.

13. Additional State Privacy Rights

Residents of certain states may have additional rights under applicable laws. Please contact us to learn more about your rights under your state’s laws.

14. Financial Privacy Notice

In addition to this Privacy Policy, financial companies like CMRE are required to provide a separate notice describing their privacy practices concerning financial information. Please refer to our Financial Privacy Notice for more details.

15. Your Consent

By using our services, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.

Note: This Privacy Policy is intended to comply with applicable U.S. laws and regulations. It is not intended to create any third-party rights or obligations.

Effective Date: January 1, 2024