California Consumer Privacy Policy
This section supplements the information in FBC Insurance Services, LLC’s privacy notice and applies solely to California residents (‘Consumer’). The California Consumer Protection Act (‘CCPA’) provides consumers with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Under CCPA, California residents have the right to know about information collected disclosed or sold, the right to opt out of the sale of certain information, and a limited right to have businesses delete information a business has collected about the consumer. These rights extend only to California residents and information covered by CCPA. Because CCPA does not cover all consumer data in all situations, only certain consumer data subject to these rights.
Information collected under the Gramm-Leach-Bliley Act (Public Law 106-102), the Fair Credit Report Act (15 U.S.C. Sec. 1681 et seq.) and the California Financial Information Act (Division 1.4, Section 4050) are exempt from CCPA.
PLEASE NOTE: Any personal data collected by FBC Insurance Services, LLC is in relation to an insurance policy and is exempt from the consumer rights to know, delete and opt-out created under CCPA because this information is governed by the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, the California Financial Information Privacy Act or other state and federal laws which exempt this data from CCPA.
Information We Collect
FBC Insurance Services, LLC collects information that identifies, relates to, describes and references a particular consumer, known as “Personal Information”. Not all Personal Information collected is subject to CCPA. All Personal Information collected pursuant to this notice that is subject to CCPA is collected for a Business Purpose and may be shared with service providers if necessary to perform a Business Purpose. We may have collected the following categories of personal information from consumers within the last 12 months:
| Category | Examples | Does the Company collect this Category of Information? | Consumer | Mortgage loan origination | See below** |
|---|---|---|---|---|---|
| A. 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. | YES | Consumer | Mortgage loan origination | See below** |
| B. 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, any other financial information, or medical information. Some personal information included in this category may overlap with other categories. | YES | Consumer | Mortgage loan origination | See below** |
| C. Protected classification characteristics under California or federal law | Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, , veteran or military status, genetic information. | YES | Consumer, Government Entities, Third Party Vendors | Mortgage loan origination | See below** |
| D. Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | YES | N/A | N/A | N/A |
| E. Biometric information | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, gait, or other physical patterns, and sleep, health, or exercise data. | NO | N/A | N/A | N/A |
| F. Internet or other similar network activity | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | NO | N/A | N/A | N/A |
| G. Geolocation data | Physical location or movements. | NO | N/A | N/A | N/A |
| H. Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | NO | Consumer, Third Party Vendors | Mortgage loan origination | See below** |
| I. Professional or employment-related information | Current or past job history or performance evaluations. | YES | Consumer Directly, Government Entities, Third Party Vendors | Mortgage loan origination and related services* | See below** |
| J. 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. | YES | N/A | N/A | N/A |
| K. Inferences drawn from other personal information | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | NO | Consumer | Mortgage loan origination | See below** |
** While FBC Insurance Services, LLC does not sell Personal Information, FBC Insurance Services, LLC may share Personal Information with its nonaffiliated insurance providers and other financial institutions so they can market to you.
Consumer Rights Under CCPA:
Right to Know – You have the right to request that FBC Insurance Services, LLC disclose what personal information is has collected, used, disclosed and sold over the past 12 months.
Right to Delete – You have the right to request that FBC Insurance Services, LLC delete certain personal information is has collected. However, this right does not apply where FBC Insurance Services, LLC needs to retain your information to comply with the law.
Right to Opt Out – You have the right to Opt Out of the sale of your Personal Information. FBC Insurance Services, LLC does not sell Personal Information for marketing purposes.
Right to Non – Discrimination – You have the right to not be discriminated against for having exercised your rights under CCPA.
To exercise these rights, please visit us online: http://fbcinsuranceservices.fbcmortgagellc.com/opt-out/ or call 888-308-1841.