Working together for a better tomorrow

Pacific Residential Lending’s Privacy Policy
4590 MacArthur Blvd, 5th Floor  Newport Beach, CA 92660

We can be reached via e-mail at rlang@pac-lending.com or you can reach us by telephone at  (800) 727-4961

• Pacific Residential Lending, Inc. is committed to ensuring your privacy. We respect and protect the privacy of those who use our website. Therefore, we want you to know what information is collected and how it is used.
• Pacific Residential Lending, Inc. does not share or sell your personal information with outside companies for their promotional use. 
• Because of the financial nature of our business, our websites are not designed to appeal to anyone under the age of 18. Therefore, we do not knowingly attempt to solicit or receive any information from children.

Information We Collect

• If you feel that this site is not following its stated information policy, you may contact us at the above addresses or phone number.
• When you visit this site, we may collect certain types of information from you, such as information you voluntarily provide including your e-mail address, name and address, telephone number, survey information and/or site registrations. We may also collect aggregate information on what pages you access or visit to track trends in the use of our website.
• With respect to Ad Servers: We do not partner with or have special relationships with any ad server companies.

Protecting the Confidentiality and Security of Your Information

• We employ industry recognized security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. Only those persons who need it to perform their job responsibilities are authorized to access your information. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic, and procedural safeguards in compliance with Federal Law.

Cookies

• We may send “cookies” to your computer primarily to enhance your online experience. “Cookies” are text files sent from a Web server and stored on your computer to assist in identifying you as unique customer and store your personal preferences as well as technical information. Cookies can be either stored on your computer until you delete them or last only until you close your browser.
• You can accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer.

Privacy Notice for California Residents Effective December 17, 2019

This Privacy Notice for California Residents supplements the information contained in Pacific Residential Lending, Inc.’s (“PRL”) Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you").  This notice contains a comprehensive description of our online and offline practices regarding the collection, use, disclosure, and sale of personal information and of the rights of California residents regarding their personal information.

• While we believe that much of the personal information we collect is exempted under the Gram-Leach-Bliley Act exemption of the California Consumer Privacy Act of 2018 (“CCPA”), we are adopting this notice to recognize certain rights of consumers under the CCPA.  Any terms defined in the CCPA have the same meaning when used in this notice.  
   
• This notice does not apply to employment-related personal information collected from California-based employees, job applicants, contractors, or similar individuals (see PRL Notice to California Employees and Prospective Employees).
   
• Where noted in this Notice, the CCPA temporarily exempts personal information reflecting a written or verbal business-to-business communication ("B2B personal information") from some its requirements

Information We Collect

• PRL collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a consumer, household or device 

("personal information").  Personal information does not include:

• Publicly      available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA's scope, like: 
• medical  information governed by the California Confidentiality of Medical       Information Act (CMIA), protected health information collected by a       covered entity or business associate governed by the Health Insurance       Portability and Accountability Act of 1996 (HIPAA), or clinical trial data.
• personal  information covered by certain sector-specific privacy laws, including  the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA)   or California Financial Information Privacy Act (FIPA), and the Driver's       Privacy Protection Act of 1994.
• Again, while we believe that much of the personal information we collect is exempted from the CCPA based on the CCPA’s GLBA exemption, we will not be relying on that exemption for purposes of providing the rights discussed herein.
• We may collect the following categories of personal information from our consumers:
• Identifiers 
• A 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.
• Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). 
• A name,  signature, Social Security number, physical characteristics or       description, address, telephone number, passport number, driver's license       or state identification card number, insurance policy number, education,       employment, employment history, bank account number, credit card number,  debit card number, or any other financial information, or medical       information Some personal information included in this category may       overlap with other categories. 
• Protected  classification characteristics under California or federal law.  
• Age (40 years or older), race, color, ancestry, national origin, citizenship,       religion or creed, marital status, medical condition, physical or mental       disability, sex (including gender, gender identity, pregnancy or  childbirth and related medical conditions), sexual orientation, veteran  or military status.
• Commercial  information 
• Records of  personal property, products or services purchased, obtained, or       considered, or other purchasing or consuming histories
• Internet or  other similar network activity. 
• Browsing  history, search history, information on a consumer's interaction with a  website, application, or advertisement. 
• Geo-location data. Physical location, Sensory  data. 
• Audio,  electronic, visual, or similar information. 
• Professional or employment-related information.  
• Current or  past job history or performance evaluations. 
• Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). 
• Education  records directly related to a student maintained by an educational  institution or party acting on its behalf, such as grades, transcripts,  class lists, student identification codes, or student financial       information. 
• PRL obtains the categories of personal information listed above from the following categories of sources:
• Directly from you.  For example, from forms you complete, applications you      submit, or products and services you obtain.
• Indirectly  from you. For example, from lead generation companies.
• Service Providers.  For example, credit bureaus or credit and verification      providers.
• Government entities.  For example, from government records.

Use of Personal Information

• We may use the personal information we collect for one or more of the following purposes:
• To fulfill  or meet the reason you provided the information.  For example, if you      share your name and contact information to request information on      obtaining a residential loan or ask a question about our products or      services, we will use that personal information to respond to your inquiry.  If you provide your personal information to apply for a residential loan, we will use that information to process your application, payment and facilitate loan closing.  We may also save your information for legal or regulatory purposes, loan fulfillment, and/or loan servicing.
• To create, maintain, customize, and secure your account with us.
• To process your requests, transactions, and payments and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, including to      investigate and address your complaints and monitor and improve our      responses.
• To provide auditing related to a current interaction with you 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.
• To detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity.
• To debug to identify and repair errors that impair existing intended functionality.
• For short-term, transient use, provided that the personal information is not      disclosed to another third party and is not used to build a profile about      a consumer or otherwise alter an individual consumer’s experience outside      the current interaction, including, but not limited to, the contextual      customization of ads shown as part of the same interaction.
• To perform services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer  information, processing payments, providing financing, providing      advertising or marketing services, or providing similar services.
• To respond  to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described      to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization,      dissolution, or other sale or transfer of some or all of PRL's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by PRL about our consumers is among the assets transferred.
• PRL will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice. 

Sharing Personal Information

• PRL may disclose your personal information to a third party for a business purpose. PRL does not sell your personal information.  When we disclose personal information for a business purpose, we enter into a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
• We share your personal information with the following categories of third parties: Service providers. Investors. Government entities. Marketing providers, Title companies.

Sales of Personal Information 

• PRL does not sell your personal information.

Your Rights and Choices

• The CCPA provides consumers with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Right to Know

• You have the right to request that PRL disclose certain information to you about our collection and use of your personal information over the past 12 months.  Once we receive and confirm your verifiable consumer request (see Right to Know and Deletion Rights), we will disclose to you:
• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business  or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you.
• If we sold or disclosed your personal information for a business purpose, two      separate lists disclosing: 
• sales,  identifying the personal information categories that each category of       recipient purchased; and
• disclosures  for a business purpose, identifying the personal information categories that each category of recipient obtained.
• We do not provide the right to know for B2B personal information. 

Deletion Request Rights

• You have the right to request that PRL delete any of your personal information that we collected from you and retained, subject to certain exceptions.  Once we receive and confirm your verifiable consumer request (see Right to Know and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.  
• We may deny your deletion request if a statutory or regulatory exception applies or retaining the information is necessary for us or our service provider(s) to:
• Complete the transaction for which we collected the personal information, provide a  loan or service that you requested, take actions reasonably anticipated  within the context of our ongoing business relationship with you, or      otherwise perform our contract with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or      illegal activity, or prosecute those responsible for such activities.
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and      privacy laws, when the information's deletion may likely render impossible      or seriously impair the research's achievement, if you previously provided  informed consent.
• Enable solely internal uses that are reasonably aligned with consumer      expectations based on your relationship with us.
• Comply with a legal obligation. 
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
• We do not provide these deletion rights for B2B personal information.

Exercising Right to Know and Deletion Rights

• To exercise the right to know and deletion rights described above, please submit a verifiable consumer request to us by either:

Calling us at 800-727-4961

• 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 the right to know twice within a 12-month period.  The verifiable consumer request must:
• Provide sufficient information that allows us to reasonably verify you are the      person about whom we collected personal information or an authorized      representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. 
• We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.  
• Making a verifiable consumer request does not require you to create an account with us.  We will only use personal information provided in a verifiable consumer request to verify the requestor identity or authority to make the request.  

Response Timing and Format

• We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
• If you have an account with us, we will deliver our written response to that account.  If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
• Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt.  The response we provide will also explain the reasons we cannot comply with a request, if applicable.
• 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 the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Personal Information Sales Opt-Out and Opt-In Rights

• Consumers have the right to direct a business that sells (or may in the future sell) your personal information to stop selling it and to refrain from doing so in the future. 
• PRL does not sell your personal information and therefore does not have an opt-out process.

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  goods or services.
• Charge you different prices or rates for goods or services, including through      granting discounts or other benefits, or imposing penalties.
• Provide you  a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services. 
• However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels.  Any CPA-permitted financial incentive we offer will reasonably relate to your personal information's value and contain written terms that describe the program's material aspects.  Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.  We currently do not offer any financial incentives.

Accessibility

• We are committed to ensuring this Privacy Policy is accessible to individuals with disabilities.  If you wish to access this Privacy Policy in an alternative format, please contact us as described below.

Contact Information

• If you have any questions or comments about this notice, the ways in which PRL  collects and uses your information described below and in the Privacy Policy, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 800-727-4961

Website: www.pac-lending.com

Postal Address:

Pacific Residential Lending, Inc.

Attn: Compliance Department

4590 MacArthur Blvd 5th Floor

Newport Beach, CA 92660

• Notice to California Employees and Prospective Employees 

Effective December 17, 2019

Last updated: December 17, 2019

• This Notice to California Employees and Prospective Employees is provided pursuant to the California Consumer Privacy Act of 2018 (“CCPA”) and applies solely to all Pacific Residential Lending, Inc. (“PRL” or “we”) employees, job applicants, contractors, or similar individuals who reside in the State of California (collectively, "employees" or "you"). Any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

• PRL collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with an employee ("personal information"). Personal information does not include:
• Publicly available information from government records.
• De-identified or aggregated information.
• Information  excluded from the CCPA's scope, like: 
• medical  information governed by the California Confidentiality of Medical       Information Act (CMIA), protected health information collected by a       covered entity or business associate governed by the Health Insurance       Portability and Accountability Act of 1996 (HIPAA), or clinical trial       data.
• personal  information covered by certain sector-specific privacy laws, including  the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA)  or California Financial Information Privacy Act (FIPA), and the Driver's       Privacy Protection Act of 1994.
• We may collect the following categories of personal information from employees:  Identifiers A 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. 
• Personal information categories listed in the California Customer Records statute 
• A name,  signature, Social Security number, physical characteristics or       description, address, telephone number, passport number, driver's license       or state identification card number, education, employment, employment       history, bank account number, credit card number, debit card number, or       any other financial information, or medical information Some personal       information included in this category may overlap with other
• Protected   classification characteristics under California or federal law. 
• Age (40   years or older), race, color, ancestry, national origin, citizenship,       religion or creed, marital status, medical condition, physical or mental       disability, sex (including gender, gender identity, pregnancy or childbirth       and related medical conditions), sexual orientation, veteran or military       status
• Commercial information. 
• Records of  personal property, products or services purchased, obtained, or       considered, or other purchasing or consuming histories. 
• Bio-metric information      
• Genetic,  physiological, behavioral, and biological characteristics, or activity       patterns used to extract a template or other identifier or identifying       information, such as, gait, or other physical patterns, and sleep,       health, or exercise data. 
• Internet or other similar network activity Browsing  history, search history, information on an employee’s interaction with a  website, application, or advertisement. Geo-location   data Physical  location
• Sensory data      
• Audio,electronic, visual, or similar information. Professional or employment-related information. 
• Current or  past job history or performance evaluations.
• Non-public  education information (per the Family Educational Rights and Privacy Act  (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). 
• Education  records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student identification codes, or student financial       information.  
• PRL obtains the categories of personal information listed above from the following categories of sources:
• Directly from you. For example, from forms you complete.
• Indirectly from you. For example, if you apply through a staffing company.
• Service Providers.  For example, credit bureaus or background check      providers.

Use of Personal Information 

• We may use or disclose the personal information we collect for one or more of the following purposes:
• To consider your employment application.
• To conduct background checks as part of the application process.
• If you are hired, we will use your personal information for all purposes of providing you with employment such as to pay you and provide you with benefits, to comply with federal and state laws (e.g., tax laws), to enroll you in a retirement plan, and to provide you with an email address and login      credentials.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization,      dissolution, or other sale or transfer of some or all of PRL assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by PRL about our employees is among the assets transferred. 
• PRL will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice. 

Privacy Policy 

• The website address for our privacy policy is: www.pac-lending.com 

Accessibility

• We are committed to ensuring this notice is accessible to individuals with disabilities. If you wish to access this notice in an alternative format, please contact us using the information provided below. 

Contact Information

• If you have any questions or comments about this notice, the ways in which PRL collects and uses your information described below and in the Privacy Policy, or your choices and rights regarding such use, please do not hesitate to contact us at:

Phone: 800-727-4961

Postal Address:  

Pacific Residential Lending, Inc. 

Attn: Compliance Department 

4590 MacArthur Blvd, 5th Floor

Newport Beach, CA 92660

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