California Consumer Privacy Act

CCPA PRIVACY NOTICE

Last Revised: March 16, 2021

In order to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws, swiftloanpros.com(“swiftloanpros.com,” “we,” “us,” or “our”) has adopted this CCPA Privacy Notice (“CCPA Privacy Notice”) for California residents as a supplement to the information contained in our Privacy Policy of swiftloanpros.com. This CCPA Privacy Notice sets forth our privacy practices as required by the CCPA and applies only to individuals residing in the State of California who are considered “Consumers” under the CCPA and from whom we collect “Personal Information” as described in the CCPA (“Consumers,” “you”). If you are an employee, employee applicant, or contractor, please refer to the swiftloanpros.com Privacy Notice for California Consumers (swiftloanpros.com Employees).

INFORMATION WE COLLECT

swiftloanpros.com may collect Personal Information from you in a variety of different situations, including, but not limited to, on our website, on your mobile device, through email, through the mail, and/or over the telephone. More specifically, we may collect the following categories of Personal Information from its Consumers, which will depend on the particular business purpose (described in “How We Use Personal Information” below) for which we collect it. Personal Information does not include de-identified or aggregated Consumer information.

Examples

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.

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, 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. 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, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

F. Internet or other similar network activity.

G. Geolocation data.

Physical location or movements.

H. Sensory data.

Audio, electronic, visual, thermal, olfactory, or similar information.

I. Professional or employment-related information.

Current or past job history or performance evaluations.

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.

K. Inferences drawn from other personal information.

Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

HOW WE OBTAIN YOUR PERSONAL INFORMATION

swiftloanpros.com obtains the categories of Personal Information listed above from the following categories of sources:

Directly from you. For example, from forms you complete or information you provide to us when you interact with us.
Indirectly from you. For example, from observing your actions on our website or from information your computer or mobile device transmits when interacting with our website or mobile applications, among other things.
Third parties. For example, we may receive information about you from our affiliates or other third parties we work with to provide you our products and services.

HOW WE USE PERSONAL INFORMATION

We may use or disclose the Personal Information we collect from you or about you to do one or more of the following:

To fulfill or meet the purpose for which you provided the information. For example, if you share your name and contact information to ask us a question or inquire about our products or services, we will use that personal information to respond to your inquiry.
To contact you and to inform you about products, services, promotions, special offers, and/or events that may interest you.
To provide, support, personalize, and develop our website, products, and services.
To create, maintain, customize, and secure your account with us.
To process your requests 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.
If you provide your information in the context of an employment application or your employment, we will use your information to serve those purposes.
To personalize your application or website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, mobile applications, third-party sites, and via email or text message (with your consent, where required by law).
To help maintain the safety, security, and integrity of our applications or websites, products and services, databases and other technology assets, and business.
For research, analysis, and business development, including to develop and improve our websites, products, and 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 or subsequently agreed to by you.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of swiftloanpros.com assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by swiftloanpros.com about our Consumers is among the assets transferred.

HOW WE SHARE PERSONAL INFORMATION

swiftloanpros.com obtains the categories of swiftloanpros.com may disclose your Personal Information to a third party for a business purpose, including to our service providers. Personal Information listed above from the following categories of sources:

Third parties with whom you direct us to share your Personal Information.
Our affiliates.
Service providers.
Third parties, including lenders, when authorized to disclose your Personal Information in connection with products or services we provide to you.

We share your Personal Information with the following categories of third parties:

Disclosures of Personal Information for a Business Purpose

In the preceding twelve (12) months, swiftloanpros.com has disclosed Personal Information for lead generation purposes in our regular course of business as authorized by customers as it relates to our Privacy Policy and Terms and Conditions.

Sale of Personal Information

In the preceding twelve (12) months, swiftloanpros.com has not sold Personal Information outside of the scope of selling information as it relates to the business of lead generation as described in our other disclosures.

YOUR CONSUMER 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.

Access to Specific Information and Data Portability Rights

You have the right to request that swiftloanpros.com 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 Exercising Access, Data Portability, 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 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 disclosed your Personal Information for a business purpose, a list disclosing the disclosures for a business purpose, identifying the Personal Information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that swiftloanpros.com 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 Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our affiliates to delete) your Personal Information from our records, unless an exception applies.

Complete the transaction or service for which we collected the Personal Information, provide a good 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.
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.

In accordance with the CCPA, we may deny your deletion request under certain circumstances, and will inform you of the basis for the denial, which may include, but is not limited to, if retaining the information is necessary for us or our service provider(s) to:

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

Postal Mail: ADDRESS
Email: EMAIL

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information.

You may only make a verifiable consumer request for access or data portability 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. Please include your first and last name, email address, and physical address.
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 fully 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. However, we do consider requests made through your password protected account sufficiently verified when the request relates to Personal Information associated with that specific account. We will only use Personal Information provided in a verifiable consumer request to verify the requestor's 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 an additional forty-five (45) days), we will inform you of the reason and extension period in writing.

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.

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.

Other California Privacy Rights

California's “Shine the Light” law (Civil Code Section § 1798.83) permits users of our website that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. We do not disclose your Personal Information to third parties for their direct marketing purposes.

Changes to Our CCPA Privacy Notice

swiftloanpros.com reserves the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on our website and update the notice's Last Revised Date above. Your continued use of our website or interaction with us through other methods following the posting of changes and/or our directing you to the updated CCPA Privacy Notice constitutes your acceptance of such changes.

Contact Information

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

Email: app@swiftloanpros.com

Postal Mail: Horsfords Business Centre, Long Point Road, Charlestown, Nevis

Attention: Privacy Department

Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.