California Privacy Notice

1. Personal Information We Collect

Depending on how you interact with us, we may collect the following categories of personal information:

• Identifiers: Name, postal address, email address, telephone number, Social Security number, driver’s license number, passport information, account identifiers and similar identifiers.
• Customer-record information: Signature, insurance information, employment information, bank-account information and other financial information.
• Protected classification information: Age, marital status, citizenship, veteran or military status and other information protected under applicable law.
• Commercial information: Information concerning mortgage products or services considered, requested or obtained.
• Internet or electronic activity: IP address, browser type, device information, website activity, cookie identifiers and interactions with our website.
• Geolocation information: General location derived from an IP address or device.
• Professional or employment information: Employer information, employment history, position, compensation and income.
• Education information: Education-related information provided as part of an application or verification process, when applicable.
• Audio, electronic or similar information: Recorded calls, emails, messages and other communications, where permitted by law.
• Inferences: Information derived from other personal information to help evaluate eligibility, prevent fraud, provide services or understand consumer preferences.
• Sensitive personal information: Social Security number, driver’s license or passport number, financial-account credentials, precise geolocation, racial or ethnic origin and other information classified as sensitive under California law.

We do not necessarily collect every category listed above from every consumer.

2. Sources of Personal Information

We may collect personal information from:

• You or your authorized representative;
• Loan officers, mortgage brokers, lenders and other financial-service providers;
• Consumer-reporting agencies and verification providers;
• Employers, financial institutions, insurance providers, title companies, settlement agents and government agencies;
• Service providers and business partners;
• Publicly available records; and
• Cookies, analytics tools and other technologies used on our website.

3. How We Use Personal Information

We may collect and use personal information to:

• Provide mortgage brokerage and loan-processing services;
• Process, evaluate and facilitate mortgage applications;
• Verify identity, employment, income, assets, credit and other application information;
• Communicate with consumers, lenders, brokers and service providers;
• Prevent fraud and maintain information security;
• Comply with legal, licensing, regulatory and recordkeeping requirements;
• Respond to consumer inquiries and privacy requests;
• Operate, maintain and improve our website and services;
• Conduct internal auditing, analytics and quality-control activities; and
• Protect the rights, property and security of Quadaid Inc, consumers and others.

We will not collect additional categories of personal information or use collected information for materially different, unrelated or incompatible purposes without providing any notice required by law.

4. Disclosure of Personal Information

For legitimate business purposes, we may disclose personal information to:

• Mortgage lenders and financial institutions;
• Loan officers and mortgage brokers;
• Credit-reporting agencies and verification providers;
• Appraisal, insurance, title, escrow and settlement-service providers;
• Information-technology, cybersecurity, document-management and cloud-service providers;
• Website analytics and cookie providers;
• Professional advisers, auditors and legal counsel;
• Government agencies, regulators and law-enforcement authorities; and
• Other parties as directed or authorized by the consumer or as required by law.

During the preceding 12 months, we may have disclosed the categories of personal information described in Section 1 to these recipients for business purposes.

5. Sale or Sharing of Personal Information

Quadaid Inc does not sell personal information for monetary or other valuable consideration. Quadaid Inc also does not share personal information for cross-context behavioral advertising, as those terms are defined under the CCPA. We have not sold or shared the personal information of consumers under 16 years of age.

6. Sensitive Personal Information

Quadaid Inc uses sensitive personal information only as reasonably necessary to provide requested services, process mortgage-related transactions, verify consumer information, prevent fraud, maintain security and comply with applicable laws and regulations.

We do not use or disclose sensitive personal information for purposes that require us to provide a Right to Limit under the CCPA.

7. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, provide requested services, maintain business and transaction records, comply with mortgage-industry recordkeeping requirements, satisfy legal and regulatory obligations, resolve disputes, prevent fraud and enforce agreements.

The applicable retention period depends on the nature and sensitivity of the information, the purposes for which it was collected, applicable legal requirements and whether continued retention is reasonably necessary to protect our rights or those of others.

8. California Privacy Rights

Subject to applicable exceptions, California residents may have the following rights:

• Right to Know and Access: You may request information about the personal information we have collected, used, disclosed, sold or shared, including the categories and specific pieces of personal information collected about you.
• Right to Delete: You may request deletion of personal information we collected from you, subject to legal and regulatory exceptions.
• Right to Correct: You may request correction of inaccurate personal information maintained about you.
• Right to Opt Out: You may opt out of the sale or sharing of your personal information, if applicable.
• Right to Limit: You may request limitations on certain uses or disclosures of sensitive personal information, if applicable.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

9. Submitting a Privacy Request

To submit a request to know, access, delete or correct personal information, contact us using one of the following methods:

Email: caloans@quadaid.com

Mail: Quadaid Inc, Attn: Privacy Requests, 4965 Preston Park Blvd, Suite 240, Plano, TX 75093

Please describe your request and provide sufficient information to allow us to identify you and locate the relevant records.

10. Verification of Requests

We may need to verify your identity before processing a request. Depending on the nature of the request, we may ask you to confirm information that we already maintain about you. We will use personal information provided for verification only to verify and process the request.

We may deny or limit a request when we cannot verify the requester’s identity, when an exception applies or when otherwise permitted by law. If we deny a request, we will provide an explanation as required by applicable law.

11. Authorized Agents

A California resident may designate an authorized agent to submit a privacy request. We may require evidence that the agent has written authorization to act on the consumer’s behalf. We may also contact the consumer directly to verify their identity and confirm authorization, unless the agent has a valid power of attorney under applicable California law.

12. Children’s Information

Our website and services are not directed to children under 16 years of age. We do not knowingly sell or share the personal information of consumers under 16.

13. Changes to This Notice

We may update this California Privacy Notice periodically. When changes are made, we will update the “Last Updated” date and provide any additional notice required by applicable law.