The California Consumer Privacy Act

We take the privacy of your data seriously.

We value the trust you put in us and understand that protecting your personal information is critical to earning and keeping that trust. The California Consumer Privacy Act (CCPA) gives some California residents the power to request access to the personal info we have on file for them and request we delete that info.

California Consumer Privacy Act Disclosure

This California Consumer Privacy Act Disclosure (“Disclosure”) is meant to supplement the CrossCountry Mortgage, LLC (“CrossCountry”) online Privacy Statement, https://crosscountrymortgage.com/privacy-policy/, and explain how CrossCountry collects, uses, and discloses personal information relating to California residents covered by the California Consumer Privacy Act of 2018 (“CCPA”). This Disclosure applies solely to visitors, users, applicants, and others who reside in the State of California (hereinafter referred to as a “consumer” or “consumers”). Any terms used in this Disclosure, but not defined herein, have the same definition as used in the CCPA.

Background

The CCPA applies to consumers’ personal information, or information that identifies, relates to, or could be reasonably linked, directly or indirectly, with a California resident. Consumers’ personal information does not include information subject to the Gramm-Leach-Bliley Act (“GLBA”). Information subject to GLBA includes, without limitation: information provided to CrossCountry during the mortgage application process, information that results from the mortgage transaction; or, information CrossCountry otherwise obtains in connection with providing the mortgage.

The personal information CrossCountry collects, uses, and discloses varies based upon the relationship and/or interactions with an individual. For example, personal information collected from a consumer who visits the CrossCountry website and submits a mortgage application online may differ from personal information collected from a consumer who does business with CrossCountry in-person.

Collection Sources

CrossCountry obtains the categories of personal information listed above from the following categories of sources:

Directly from consumers or their agents. For example, from a consumer’s real estate agent prior to the consumer initiating a mortgage loan application.
Directly and indirectly from activity on our website (www.crosscountrymortgage.com). For example, a consumer’s IP address, kind of web browser and computer used, and locality including the state or country from which the consumer accessed the site.
From service providers, consumer data resellers and other third parties that interact with us in connection with the services we perform. For example, from an entity that collects consumer personal information and then sells that information to CrossCountry as a lead.
Public record sources including Federal, state or local government.

Use of Personal Information

CrossCountry may use or disclose consumer personal information for one or more of the following business purposes:

To fulfill or meet the reason for which the consumer provides the information. For example, if a consumer provides information to a loan officer, CrossCountry will use that information to assist in the preparation and submission of a loan application.
To provide consumers with information including loan products and pricing.
To provide consumers with email alerts or other notices concerning our products, services, events, or news that may be of interest.
To carry out our obligations and enforce our rights arising from any contracts entered between consumers and CrossCountry, including for billing and collections.
To improve the CrossCountry website and better present content to consumers. For example, auditing related to a current interaction and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
For testing, research, analysis and product development.
As necessary or appropriate to protect the rights, property or safety of CrossCountry and our consumers or others. For example, detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
To establish or defend legal claims and allegations.
To seek advice from attorneys, auditors and other professional advisors.
As described to consumers in any notice provide at or before time of collection of personal information, or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, acquisition, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by CrossCountry is among the assets transferred, or personal information held by CrossCountry is used to assess assets or personal information held by another.

Note: CrossCountry will not collect additional categories of personal information or use the collected personal information for materially different, unrelated, or incompatible purposes without providing notice to consumers.

Sharing Personal Information

CrossCountry has disclosed the following categories of personal information to third parties in the previous twelve (12) months:

A. Identifiers;
B. Personal information categories;
C. Protected classification characteristics;
D. Commercial information;
G. Geolocation data; and,
I. Professional or employment related information.