California Privacy Notice

This California Privacy Notice supplements the Freedom Mortgage Corporation Online Privacy Notice and applies solely to visitors, users and others who reside in California. For information about your privacy rights in connection with any financial service you receive from Freedom Mortgage, please also see our Federal Privacy Notice. The sharing of personal information under federal law described in our Federal Privacy Notice is governed separately and is subject to the opt-out choices available to you in that notice.

NOTICE AT COLLECTION

Information We Collect

In the past 12 months, we have collected and disclosed for our business purposes each of the following categories of Personal Information:

Freedom obtains the categories of information listed above from the following sources:

• Directly from you or your authorized representative
• Third party service providers utilized in connection with the origination, processing and closing of your mortgage application and/or servicing of your loan
• Credit Bureaus
• Appraisers
• Public Record Sources (federal, state or local government);
• Employers
• Website/Mobile App Activity/Social Media
• Advertising networks
• Internet service providers
• Data analytics providers
• Government entities
• Operating systems and platforms
• Data brokers
• Session replay and web analytics tools that record your navigation, clicks, scrolls, and interactions with our website, for the purpose of improving user experience and site functionality.

Purposes for Collecting Categories of Personal Information Listed Above

We collect, use and share the categories of information identified above for the following purposes:

• To provide mortgage loan origination services to you, including evaluating, processing and closing your loan application.
• To service your loan.
• To provide services in connection with the reason you provided the information. For example, if you provided your name and financial institution in order to make a payment in connection with the servicing of your mortgage loan, then we will use that information to process your payment.
• To communicate with you and respond to your inquiries or requests.
• To maintain our systems and protect against unauthorized access, security incidents, fraud and other malicious or illegal activity.
• To market or advertise services to you.
• To conduct research, analytics or other internal analysis to enhance our services to you.
• To record and analyze your interactions with our website using session replay technology, including mouse movements, clicks, scrolls, page navigation, and form submissions (excluding sensitive fields such as passwords, credit card details, and other personal data that are automatically excluded from recording), for the purpose of improving the functionality and usability of our Site.
• To analyze call recordings and complaint interactions using artificial intelligence and automated processing tools for quality assurance, compliance monitoring, complaint categorization, and to improve our products and services.
• Comply with legal and regulatory obligations and to establish, enforce, and otherwise exercise our rights and defend against claims.
• To evaluate or conduct a merger, divestiture restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets.

Sale or Sharing of Personal Information and Sensitive Personal Information

Freedom Mortgage does not sell your Personal Information or Sensitive Personal Information.

In the preceding twelve (12) months, Freedom Mortgage has disclosed the following categories of personal information for a business purpose:

1. Identifiers.
2. Personal Information categories listed in the California Customer Records statute.
3. Protected classification characteristics under California or federal law.
4. Commercial information.
5. Internet or other similar network activity.
6. Professional or employment-related information.
7. Sensitive Personal Financial Information.

We disclosed personal information from one or more categories listed above to:

• Third party service providers. We engage third party companies to assist with business operations and perform functions on our behalf, including technology hosting, marketing communications, data analytics, and fraud detection, under contractual agreements that restrict their use of your personal information to the services they provide to us.
• Joint Marketing Partners (in accordance with applicable law)
• Credit Reporting Agencies
• Operating systems and platforms
• Government agencies as required by law
• Other persons or entities with which you direct us.

We do not knowingly share or sell personal information about consumers under the age of 16.

Retention of Personal Information

• The Company retains all Personal Information for so long as is required by law and in accordance with our internal data retention policies. We will not retain your Personal Information for longer than is reasonably necessary for the purposes disclosed in this Notice. Retention periods vary depending on the nature of the information and applicable legal obligations.

Cross-Border Transfers of Personal Information

Freedom Mortgage is headquartered in the United States. Certain service providers and technology vendors that assist us in delivering our services may be located in other countries. When your personal information is transferred outside the United States, it becomes subject to the laws of the destination country, which may not provide the same legal protections afforded under California or other applicable US law. Freedom Mortgage takes reasonable steps to ensure that personal information transferred internationally is handled in a manner consistent with this Notice and applicable law.

Web Technologies and Online Behavioral Advertising

Freedom Mortgage uses cookies, web beacons, and similar tracking technologies on our Site. Third-party advertisers, including Google, may also use cookies to collect non-personally identifiable information from your browser — such as the pages you visited, tools you interacted with, and the channel through which you arrived on our Site — in order to tailor the ads you see to your preferences and behaviors. Third-party cookies may also track the number of ad impressions and interactions with advertisements.

You may update your cookie preferences at any time by clicking the "Cookie Preferences" link located in the footer of our Site. To learn more about online interest-based advertising or to opt out through industry opt-out tools, you may also visit: http://optout.networkadvertising.org or https://optout.aboutads.info.

YOUR RIGHTS AND CHOICES

Under the CCPA, California residents have the right to:

• Request the categories of personal information we collected about you.
• Request the categories of sources from which the personal information was collected about you.
• Request the business or commercial purpose for collecting, selling or sharing personal information.
• Request the categories of third parties with whom we share personal information.
• Request the specific pieces of personal information we collected about you.
• Request that a business correct inaccurate personal information.
• Request, subject to certain exceptions, that a business delete any personal information about the consumer which the business has collected from the consumer.
• Direct that a business that sells or shares personal information about the consumer to third parties not to sell or share the consumer's personal information.
• Direct a business to limit use and disclosure of sensitive personal information.
  • We do not use your sensitive personal information except as necessary to perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services or to perform other services as permitted under applicable law. We also do not collect or process sensitive personal information with the purpose of inferring characteristics about you using such sensitive personal information. Therefore, the right to limit the use and disclosure of sensitive personal information is not applicable.
• Limit the sharing and sale of your personal information for online marketing and cross-context behavioral advertising purposes by:
  • Visiting our cookie consent management platform, accessible via the "Cookie Preferences" link in the footer of our Site, where you can review and update your sharing preferences by category at any time; or
  • Enabling the Global Privacy Control (GPC) opt-out preference signal in your web browser or device. If we detect a GPC signal from your browser or device, we will honor it as a valid opt-out of the sale and sharing of your personal information for cross-context behavioral advertising purposes, consistent with applicable California law. The GPC opt-out applies only to the specific browser or device from which the signal is transmitted.
  • Please note that the Site does not respond to browser "Do Not Track" (DNT) signals. However, Freedom Mortgage does honor the GPC opt-out preference signal as described above.
• Appeal a decision made by Freedom Mortgage in response to your privacy rights request. If we deny your request, in whole or in part, you may submit an appeal by contacting us using the methods described in the "How to Exercise Your Rights" section below. We will respond to your appeal within the timeframe required by applicable law and will provide you with a written explanation of our decision.
• You may exercise these privacy rights conferred by the CCPA without being subject to discriminatory treatment for doing so.

How to Exercise Your Rights

California residents may submit a request under the CCPA through the following methods

• call us toll-free at 1-855-920-0594; or
• complete the fields in the form below

To submit a request, we are required to verify your identity. Please be prepared to provide us with your first and last name, primary telephone number, e-mail address, and current address. We will match the personal information that you provide to us with personal information that we already maintain about you to verify your identity. We may also need to contact you to confirm your request.

You may also designate an authorized agent to make such requests on your behalf. You have two ways to accomplish that.

• You may provide your authorized agent with written and signed permission to make such requests.
• You may provide your authorized agent with power of attorney pursuant to California Probate Code Sections 4000 to 4465

Regardless of which option you choose,

1. you must (a) verify your identity directly with us, and (b) confirm directly with us that you have given permission to the authorized agent to make such requests, and
2. your authorized agent must submit proof that you have authorized him/her/them to make such requests on your behalf. If the authorized agent is unable or unwilling to submit such proof, we may deny such requests

We may not be able to honor each request that we receive. If we are unable to do so, we will respond to let you know the reason(s).

We will not discriminate against you if you choose to exercise any of the rights described in this section.

Note to Consumer: If you experience an error loading the Personal Information Request Form, please refresh your browser and the Form will load properly.