A note for our California customers: If you are a California consumer or resident and would like additional information about our online and off-line privacy practices as well as how to exercise your rights under California law, please see our “California Consumer Privacy Statement” below. The California Consumer Privacy Statement applies solely to visitors, users, and others who reside in the State of California.
Safeguarding Personal Information
We have adopted policies and procedures designed to protect your personal information from unauthorized use or disclosure.
We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, plus virus and use detection software. We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate. Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services. Our policy that governs the conduct of all of our employees requires all employees to safeguard personal information about the consumers and customers we serve or have served in the past. [Although we work hard to secure your information, please be aware that no security measures are perfect or impenetrable. Unfortunately, we cannot guarantee the security of your personal information and any transmission of your personal information is at your own risk.]
Information We Collect About You
We collect information about you or that you provide to us to:
The personal information we collect about you may include among other things:
We collect this information:
We may also collect information from a wide range of other sources in order to process, underwrite and originate your loan. These sources may include, among others: employers, attorneys, banks, title insurers, insurance companies, and credit reporting agencies.
Sharing Information With Companies That Provide Services For Us
We share personal information about you, as required or permitted by law:
We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.
California Consumer Privacy Statement
Midwest Equity Mortgage, LLC d/b/a Celebrity Home Loans is a financial services provider that originates and brokers residential mortgage loans. As a mortgage lender and broker, the company is subject to a wide variety of laws and regulations relating to your personal information and privacy. Therefore, this Statement does not apply to personal information covered by industry-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Acy (GLBA), the California Financial Information Privacy Act (FIPA) and the Driver’s Privacy Protection Act of 1994, among others.
This Statement also does not apply to employment-related personal information collected from California-based employees, job applicants, contractors, or similar individuals or to company personnel or business-to-business communications.
We may collect the following categories of personal information about you:
We may use the categories of personal information listed above for the purposes described in our Privacy Notice. In addition, we may use these categories of personal information for certain business purposes specified in the CCPA, as described in table 1 below.
2. Our Prior Collection, Use, and Disclosure of Personal Information
We may have collected and used your personal information, as described in section 1 above, during the 12-month period prior to the effective date of this California Consumer Privacy Statement. For the personal information collected during that timeframe, we describe below: (a) the categories of sources from which we may have obtained the personal information, (b) the categories of third parties with whom we may have shared the information, (c) the categories of personal information we may have sold and (d) the categories of personal information we may have disclosed for a business purpose.
a. Sources of Personal Information
We may have obtained personal information about you from various sources, as described in Table 2 below.
b. Sharing of Personal Information
We may have shared your personal information with certain categories of third parties, as described in table 3 below.
c. Sale of Personal Information
We do not sell your personal information in exchange for monetary compensation or other consideration. If we intend to consider selling your personal information in the future, we will provide you with the right to opt-out to allow you to direct us to not sell your personal information at any time.
d. Disclosure of Personal Information for a Business Purpose
We may have disclosed to third parties the following categories of personal information for a business purpose: Identifiers; Additional Data Subject to Cal. Civ. Code § 1798.80; Protected Classifications; Commercial Information; Online Activity; Employment Information; and Inferences.
3. Your Rights and Choices
The CCPA provides you, as a California resident, with specific rights regarding your personal information, as described below.
Verification Process. In order to help protect your privacy, only you or someone legally authorized to act on your behalf may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. You may only make a verifiable consumer request for access twice within a twelve (12) month period. The request must provide sufficient information to allow us to reasonably verify you are the person about whom we collected personal information or an authorized representative. Our verification requirements may include: describing your request with sufficient detail that allows us to properly understand, evaluate, and respond to it, signing a declaration under penalty of perjury that you are the consumer (or authorized representative for the person) whose personal information is the subject of the request. If you designate an authorized agent to make an access or deletion request on your behalf, (a) we may require you to provide the authorized agent written permission to do so, and (b) we may require you to verify your own identity directly with us.
We will do our best to respond to your verifiable consumer request within forty-five (45) days of its receipt by us. If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing. We will deliver our response to you by mail or electronically, at your option. Any disclosures will only cover the twelve (12) month period preceding our receipt of your verifiable request. If we are unable to provide the requested data, our response will explain the reasons that we cannot comply with your request.
Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not deny you services, charge you different prices or rates, provide you with a different level of service, or suggest that you receive a different price or different level of service.
Fees: We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that your request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request. This Statement is available in alternative formats upon request by directly contacting at 855.667.9442 or emailing us at email@example.com
We Provide You The Opportunity to Update or Correct Your Personally Identifiable Information
We provide you the opportunity to update or correct the information that you have provided to us. You may review and update information stored in your application online until you submit your application. Once you have submitted your application, you may only change the information by directly contacting at 855.667.9442 or emailing us at firstname.lastname@example.org.
Midwest Equity Mortgage, LLC d/b/a Celebrity Home Loans
One Mid America Plaza, Suite 800
Oakbrook Terrace, IL 60181
You can also reach us at 855.667.9442, or send an e-mail inquiry to email@example.com.