California Consumer Privacy Act (CCPA) Notice
This California Privacy Notice supplements our general Privacy Policy and applies solely to California residents. It describes how we collect, use, and share personal information of California consumers and their rights under the California Consumer Privacy Act (CCPA).
Categories of Personal Information We Collect
In the preceding 12 months, we have collected the following categories of personal information:
Identifiers
- Real name, alias, postal address, unique personal identifier
- Online identifier, Internet Protocol address, email address
- Account name, social security number, driver's license number
- Passport number, or other similar identifiers
Commercial Information
- Records of personal property, products or services purchased
- Records of products or services obtained or considered
- Other purchasing or consuming histories or tendencies
Internet or Network Activity
- Browsing history, search history, and information regarding interaction with websites
- Applications, or advertisements
Professional or Employment Information
- Real estate license information
- Contractor license and certification details
- Professional experience and credentials
- Business contact information
Geolocation Data
- Physical location or movements (with consent)
- IP address-based approximate location
Sources of Personal Information
We collect personal information from the following sources:
- Directly from you when you create an account or use our services
- From your interactions with our website and platform
- From public records and government databases
- From third-party business partners and service providers
- From professional associations and licensing bodies
- From social media platforms and other public sources
Business Purposes for Collecting Personal Information
We collect and use personal information for the following business purposes:
- Providing and maintaining our real estate platform services
- Processing transactions and managing accounts
- Communicating with users about services and updates
- Improving and personalizing user experience
- Conducting research and analytics
- Ensuring security and preventing fraud
- Complying with legal obligations
- Marketing and advertising (with consent where required)
Sharing Personal Information
In the preceding 12 months, we have shared personal information with the following categories of third parties:
Service Providers
- Cloud hosting and storage providers
- Payment processing companies
- Email and communication service providers
- Analytics and advertising platforms
- Customer support platforms
Business Partners
- Real estate professionals and brokers
- Property developers and contractors
- Financial institutions and lenders
- Professional networks and associations
Government Entities
- Regulatory agencies and licensing bodies
- Law enforcement when required by law
- Tax authorities and other government agencies
Your California Privacy Rights
As a California resident, you have the following rights under the CCPA:
Right to Know
You have the right to request that we disclose:
- Categories of personal information we collect about you
- Categories of sources from which we collect personal information
- Business or commercial purposes for collecting personal information
- Categories of third parties with whom we share personal information
- Specific pieces of personal information we have collected about you
Right to Delete
You have the right to request that we delete personal information we have collected from you, subject to certain exceptions such as:
- Completing a transaction for which the information was collected
- Complying with legal obligations
- Exercising free speech or ensuring another consumer's right to free speech
- Engaging in research in the public interest
Right to Opt-Out of Sale
You have the right to opt-out of the sale of your personal information. We do not sell personal information in the traditional sense, but some data sharing arrangements may be considered "sales" under the CCPA.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. We will not:
- Deny you goods or services
- Charge you different prices or rates
- Provide you a different level or quality of goods or services
- Suggest that you may receive different treatment
How to Exercise Your Rights
To exercise your CCPA rights, you may submit a request by:
- Mail: LoanLynx.ai Privacy Officer, 6 St Johns Ln, New York, NY 10013
Verification Process
To protect your privacy and security, we will verify your identity before processing your request. We may request additional information to verify your identity, such as:
- Government-issued identification
- Account information and recent transaction history
- Professional license information (for professional users)
Response Timeline
We will respond to your request within 45 days of receipt. If we need additional time, we will notify you and may extend the response period by an additional 45 days.
Authorized Agents
You may use an authorized agent to submit a request on your behalf. The authorized agent must:
- Provide proof of authorization to act on your behalf
- Verify their own identity
- Submit the request in accordance with our procedures
We may require you to verify your identity directly with us or confirm that you provided the authorized agent permission to submit the request.
Personal Information of Minors
We do not knowingly sell the personal information of consumers under 16 years of age. If you are between 13 and 16 years old, you may opt-in to the sale of your personal information. If you are under 13 years old, a parent or guardian must opt-in on your behalf.
California "Shine the Light" Law
California's "Shine the Light" law (Civil Code Section 1798.83) permits California residents to request information about our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information provided below.
Changes to This Notice
We may update this California Privacy Notice to reflect changes in our practices or applicable law. When we make material changes, we will:
- Post the updated notice on our website
- Update the "Last updated" date
- Notify affected California residents via email or other means
Contact Information
If you have questions about this California Privacy Notice or our privacy practices, please contact us:
- Mail: LoanLynx.ai Privacy Officer
California Privacy Rights
6 St Johns Ln, New York, NY 10013