Last Updated / Effective Date: January 1, 2023

This California Consumer Notice at Collection and Privacy Policy (“California Privacy Notice” or “Notice”) supplements and is expressly made part of the Privacy Policy (available here) of On Q Home Loans (referred to herein as “we”, “us”, or “our”), all of which are contained in our Privacy Center and applies solely to all visitors, users, and individuals we interact with in the course of our business relationships, including with our commercial clients or other third parties, service providers, or contractors, and others who reside in the State of California (“consumers” or “you”). This California Privacy Notice explains our privacy practices when we review your eligibility, evaluate, process, complete, approve or dispose of your application for a product or service, create an account with us using any available method, when you are approved and close on a product or service, when we provide a product or service, and when we act as a servicer, as well as any other business interactions you may engage in with us (collectively, “Services”).  Any terms defined in the California Consumer Privacy Act as amended from time to time (“CCPA”) or its implementing regulations have the same meaning when used in this Notice.

Information We Collect

Our Services may involve the collection of information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer that resides in California or a device located in California (“Personal Information”). In particular, through our Services, we may collect the following categories of Personal Information from you:

Category Examples
A. Identifiers A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers
B. Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80I) A name, signature, physical characteristics or description, address, telephone number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some Personal Information included in this category may overlap with other categories.
C. 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, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
D. Commercial Information Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
E. Internet or other similar network activity Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
F. General Geolocation Data Physical location or movements.
G. Sensory Data Audio, electronic, visual, thermal, olfactory, or similar information.
H. Inferences drawn from Personal Information Derivation of information, data, assumptions, or conclusions from facts, evidence, or another source of information or data; a characteristic deduced about a consumer.
I. 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 schedules, student identification codes, student financial information, or student disciplinary records.
J. Sensitive Personal Information Social Security number, driver’s license number, or passport number.

Personal Information does not include:

  • Publicly available information from government records.
  • De-identified or Aggregated consumer information as defined by the CCPA.
  • Information excluded from the CCPA’s scope, like:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) 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 obtain the categories of Personal Information listed above from the following categories of sources:
  • Directly from you. For example, from forms you complete or products and services you purchase.
  • Indirectly from you. For example, from observing your actions when using our Services.
  • Records and copies of your correspondence (including email addresses), if you contact us.
  • Your responses to surveys that we might ask you to complete for research purposes.
  • From third-party business partners such as internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, data brokers and other service providers we use for ordinary business purposes including, but not limited to, evaluating a financial transaction with you or marketing our Services to you.

Use of Personal Information

We use Personal Information to offer products and services to you, fulfill your requests, improve the quality of our products and services, engage in research and analysis relating to our products and services, personalize your experience, track usage of our products and services, market our products and services, provide customer support, message you, back up our systems, allow for disaster recovery, enhance the functioning and security of our products and services, manage any other business relationship between you and us, and comply with legal obligations. Even when we do not retain such information, it still must be transmitted to our servers initially and stored long enough to process.

We also use information that we collect about you or that you provide to us, including any Personal Information:

  • To present the content of our products and services to you.
  • To provide you with information, products, or services that you request from us.
  • To fulfill any other purpose for which you provide it.
  • To provide you with notices about your account, including expiration and renewal notices.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
  • To notify you about changes to our products or services we offer or provide through it.
  • In any other way we may describe when you provide the information.
  • For any other purpose with your consent.
  • As appropriate, in our sole discretion, for other legitimate business activities.

We may use or disclose the Personal Information we collect for one or more of the following business purposes:

  • To fulfill or meet the reason you provided the information. For example, if you disclose your name and contact information to request a rate quote 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 purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
  • To provide, support, personalize, and develop our Services, products, and other services.
  • To create, maintain, customize, and secure your account with us.
  • To process your requests, purchases, transactions, and payments and prevent transactional fraud.
  • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
  • To personalize your Services experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Services, third-party sites, and via email or text message (with your consent, where required by law).
  • To provide advertising and marketing services.
  • To help maintain the safety, security, and integrity of our Services, products and other services, databases and other technology assets, and business.
  • For testing, research, analysis, and product development, including to develop and improve our Services, products, and other 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 our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us about our Services’ users is among the assets transferred.
  • Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
  • Helping to ensure security and integrity to the extent the use of the consumer’s Personal Information is reasonably necessary and proportionate for these purposes.
  • Debugging to identify and repair errors that impair existing intended functionality.
  • Short-term, transient use, including, but not limited to, non-personalized advertising shown as part of a consumer’s current interaction with us.
  • Performing services on behalf of the business, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the business.
  • Undertaking internal research for technological development and demonstration.
  • Undertaking activities to verify or maintain the quality or safety of a product, service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the product, service or device that is owned, manufactured, manufactured for, or controlled by the business.
  • We 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.

Disclosures of Personal Information

All financial companies need to disclose Personal Information to run their everyday business and provide the Services you hope to obtain. Financial companies choose how to disclose your information. Federal and state laws and regulations may further dictate your ability to limit such disclosures.

We have disclosed the above categories of Personal Information to the following categories of third parties:

  • Authorized third parties. We will disclose your information to a third party with your consent.
  • Affiliates, subsidaries, and businesses under our control. We may disclose your Personal Information to our affiliates, subsidiaries, and companies under common control.
  • Service providers, contractors, and third parties. We may disclose Personal Information to service providers, vendors, or contractors, or they may disclose, collect, store, access, transfer, or otherwise process your Personal Information on our behalf to help us carry out our Services or run our business. We require service providers, vendors, and contractors to implement reasonable organizational controls to maintain the privacy and security of Personal Information provided to them.
  • Marketing partners. We may disclose Personal Information to third parties, marketing affiliates, or subsidiaries for marketing purposes, analytics, (ex: Adobe Analytics, Google Analytics) and to jointly market products, services, promotions, and events. We may receive your Personal Information from a third party you authorized to share or sell your Personal Information.   
  • Government, regulatory, and legal entities.   We disclose your Personal Information to government, regulatory, and legal entities in response to their inquiries, to enforce our terms and conditions, to exercise or defend a claim, or if we determine disclosure is necessary or appropriate to protect the life, safety, or property of our business, ourselves or others.
  • Change of control. We may disclose, receive, or transfer your Personal Information in connection with an actual or proposed sale, merger, acquisition, dissolution, divestiture, joint venture, bankruptcy, or any similar transaction where the control and responsibility of your Personal Information changes to or from us.  We may transfer or have transferred to us, all information collected about you to merge, transition or wind-down a company’s activities.

We will comply with other federal and state laws and regulations that impact our disclosure practices.

Sales and Sharing of Personal Information

We have not sold Personal Information during the prior 12 months.  We may have shared Personal Information for cross-context behavioral advertising in the past 12 months.  We have no actual knowledge of selling or sharing Personal Information of anyone under the age of 16 years.  Notwithstanding the foregoing, we will accept a verified request from you to not sell or share your Personal Information should our practices change in the future.

Retention of your Personal Information 

We retain your Personal Information throughout our business relationship with you and thereafter only for as long as required to fulfil the purposes for which it was collected. However, in some circumstances we may retain Personal Information for longer periods of time, for instance when we are required to do so in accordance with legal and regulatory requirements or to resolve disputes that may arise between you and us.

Exercising Your California Privacy Rights

The CCPA requires we create a way for eligible California residents to exercise their rights under the CCPA, and to fulfill those consumer privacy rights regarding their Personal Information. These rights include the:

  • right to know your Personal Information;
  • right to delete Personal Information collected from you;
  • right to opt-out of the sale or sharing of Personal Information (if applicable);
  • right to non-discriminatory treatment or no retaliation for exercising any rights;
  • right to initiate a private cause of action for data breaches;
  • right to correct inaccurate Personal Information; and
  • right to limit use and disclosure of Sensitive Personal Information.

When you make a request, we may require that you provide information and follow procedures so that we can verify the request and your jurisdiction before responding to it. The verification steps we take may differ depending on the request you make. We will match the information that you provide in your request to information we already have on file to verify your identity. If we can verify your request, we will process it. If we cannot verify your request, we may ask you for additional information to help us verify your request.

Consumers will be required to submit their first and last name and email address and may also be asked to provide their telephone number or address so that we can verify the request. Please provide as much of the requested information as possible to help us verify the request. We will only use the information received in a request for the purposes of responding to the request.

California law permits California consumers to use an authorized agent to make privacy rights requests. We require the authorized agent to provide us with proof of the California consumer’s written permission (for example, a power of attorney) that shows the authorized agent has the authority to submit a request for the California consumer. An authorized agent must follow the process described below to make a request. The authorized agent must also verify his/her own identity. We will confirm the agent’s authority with the California consumer about whom the request was made.

You may submit a privacy rights request to us by:

On Q Home Loans
c/o Guaranteed Rate, Inc.
Attn: Privacy Compliance Officer
3940 N. Ravenswood
Chicago, IL 60613

Notice to Job Applicants, Employees and Former Employees

If you are a California resident and you have applied for a job, are employed by us or your employment with us has ceased, please read our California Applicant Notice at Collection and Privacy Policy, or our California Employee Privacy Notice, as applicable.

Minors

We do not knowingly collect, process, use, sell, or share Personal Information of those 16 years old or younger.

Changes to Our California Privacy Notice

We reserve the right to amend this California Privacy Notice at our discretion and at any time. When we make changes to this California Privacy Notice, we will post the updated Notice through the Services and update the Notice’s effective date that appears at the beginning of this Notice. Your continued use of our Services following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this California Privacy Notice, the ways in which we collect and use your information described above, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

On Q Home Loans
c/o Guaranteed Rate, Inc.
Attn: Privacy Compliance Officer
3940 N. Ravenswood
Chicago, IL 60613

Effective: January 1, 2020

This Privacy Notice for California Residents is a supplement to On Q Home Loans’s which can be found on our website at www.onqhomeloans.com. This applies to all visitors, users and other who reside in the State of California (“consumers” or “you”). On Q Home Loans has incorporated this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and other applicable laws. The terms defined in the CCPA have the same meaning when used in this notice.

INFORMATION WE COLLECT

We may collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”) through our website. We may have collected personal information from consumers since January 1, 2020 in the following categories:

 

Personal information does not include:

  • Publicly available information from government records
  • De-identified or aggregated consumer information
  • Information excluded from the CCPA’s scope, such as:
    • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California confidentiality of Medical Information Act (CMIA or clinical trial data;
    • Personal Information covered by certain sector specific privacy laws, including the Fair Credit Report Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA) and the Driver’s Privacy Protection Act of 1994.

On Q Home Loans obtains the categories of person information listed above from the following sources:

  • Directly from you from forms you complete or products and services you purchase or documents that you provide to complete the loan process.
  • Indirectly from you such as our observing your actions on our website.
  • Records and copies of your correspondence if you contact us. This would include e-mail addresses.
  • Our response to a survey that we might ask you to complete for research purposes.
  • From third-party business partners such as social media sites, advertising networks and analytics providers.

Use of Personal Information

Performing 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, tracking the usage of our website. Even if we do not retain information, it still will be transmitted to our servers initially and stored long enough to process.

We also use information that you provide us, including any personal information:

  • To give you information on our products and services.
  • To provide you with information you’ve requested regarding our products and services.
  • To fulfill any other purpose for which you provide it.
  • To provide you notices about your account
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including billing and collection.
  • For any purpose with your consent.

On Q Home Loans may use personal information for the following business purposes:

  • To fulfill the reason you provided the information. For example inquiring about a loan product that would require us to use your personal information to respond your inquiry. We may save your information to inform you of any new products or services.
  • To create, maintain and secure your account with us.
  • To process your request for a loan.
  • To provide support to your inquiries by validating your personal information.
  • To respond to a law enforcement requests as required by applicable law, court order or governmental regulations.
  • For research and analysis to improve our website and mobile application.
  • To evaluate and analysis the sale or transfer of On Q Home Loans assets, including but not limited to our servicing portfolio.

Sharing Personal Information

On Q Home Loans, will disclose your personal information to a third party for a business purpose. We only share that information with the following categories of third parties:

  • Service providers.
  • Third parties that we partner with to offer loan products and services to you.
  • Data Aggregators.

Sale of Personal Information

On Q Home Loans has not sold personal information since January 1, 2020 which is the effective date of the CCPA.

Your California Privacy Rights

If you are a California resident, you have the right to:

  1. Request we disclose to you free of charge the following information covering the 12 months preceding your request:
    1. The categories of personal information about you that we collected.
    2. The category of sources from which the personal information was collected.
    3. The purpose for collecting personal information about you.
    4. The categories of third parties to whom we disclosed personal information about you and the categories of personal information that was disclosed and the purpose for disclosing the personal information about you.
    5. The specific pieces of personal information we collected about you.
  2. Request we delete your personal information, unless the CCPA recognizes and exception.
  3. Be free from unlawful discrimination for exercising your rights under the CCPA.

We will acknowledge receipt of your request and advise you how long we expect it will take to respond once we have verified your identity. Requests for specific pieces of personal information will require additional information to verify your identity.

If you submit a request on behalf of another person, we may require proof of authorization and verification if identity directly from the person for whom you are submitting a request.

In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another person. Additionally, we will not honor your request where an exception applies, such as where the disclosure of personal information would adversely affect the rights and freedoms of another consumer or where the personal information that we maintain about you is not subject to the CCPA’s access or deletion rights.

We will advise you in our response if we are not able to honor your request. We will not provide social security numbers, driver’s license numbers or government issued identification number, financial account numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.

We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for an additional 45 days in order to process the request, we will provide you with an explanation for the delay.

How to exercise your rights:

Complete the Online Personal Information Request form located here, and either email or print and mail to:

On Q Home Loans
Compliance
14275 N 87th Street Ste #210
Scottsdale, AZ 85260

E-mail:
Complianceprivacy@onqhomeloans.com

If you have questions about this CCPA please call our toll free number 877-957-3317 and leave a message for Compliance Privacy.