Information Related to the California Consumer Privacy Act (“CCPA”)
What is covered under the CCPA?
The CCPA is focused on your personal information, disclosures of how that information is or may be used, and what rights you may have with regard to that information.
Personal information under this law is generally any information that identifies, relates to, describes, or could be associated with you directly. This may include, but is not necessarily limited to information such as name, phone number, and email address. Beyond that, personal information may also include such items as biometric data, your geolocation, the device or browser you are using to read this page, and even perceived preferences. Please note that personal information does not include publicly available information.
Does Rushmore have my personal information?
Yes. In order to service your mortgage loans, Rushmore must collect information about you. For example, information you included on a mortgage loan application may have been collected and used in our system of record in order to service your loan. During the ordinary course of our business operations, we may collect or you may provide information such as: name, phone number, mailing address, email address, income, and employment information to name a few.
Rushmore is a financial institution and does not obtain, store, or sell the personal information of minors.
|Category of Personal Information||Business Purpose(s)|
|Personal identifiers (name, address, email, etc.)||Servicing your mortgage loan; providing customer service; protecting against fraud|
|Sensitive information such as social security and bank account numbers||Servicing your mortgage loan; protecting against fraud; certain loss mitigation activities requiring income validation|
|Professional or employment-related information||Servicing your mortgage loan; certain loss mitigation activities requiring income validation|
How do we collect information?
Typically, most of the information we have was provided by you as part of your mortgage origination process, which was then provided to us when we became your mortgage servicer. This information is necessary for us to service your mortgage loan consistent with your loan documents and federal and state law. The information we have obtained as part of this process is secured and maintained in accordance with federal and state regulations.
Rushmore does not collect, sell, or aggregate data or other information which may be personally identifiable to you such as that data which may be present from website data analysis or commercial information obtained from others.
Information collected from nonauthenticated visitors to our websites, such as cookies or usage data, is not collected, analyzed, or maintained in a way that it is identifiable as personal information about you. There is no attempt to identify visitors to our websites by name or profile. The only time we identify you personally is when you authenticate by logging in to your customer account.
What do we do with the information?
First, Rushmore does not sell your information.
We use your personal information in order to provide the highest level of customer service to you and to properly service your mortgage loan. We do not sell your information to any other party.
Do you share my information?
Rushmore does share your information with its service providers from time to time as necessary to service your loan. A “service provider” is a vendor with whom we have a contractual relationship to help us provide the utmost in customer service and properly service your mortgage loan. Service providers are under strict contractual and regulatory requirements to protect your information and use it only as we direct them. They are not permitted to share, sell, or use any information they receive from us except as we permit, and we only permit the information to be used to service your mortgage loan.
The areas in which service providers assist us include, but are not necessarily limited to, activities such as accounting, auditing our processes, information security, or performing other such functions on our behalf. We share information with the firms such as: accountants, auditors, investors, legal services, and other financial institutions. We also share information with the credit bureaus and affiliates in accordance with the Fair Credit Reporting Act.
Do you sell my information?
No. Nor do we have any plans to do so. Before we could do so, we would need to provide you with a disclosure and provide you an easy “Do Not Sell My Info” button on our website for you to opt-out of the future sale of your personal information.
Is all of my information subject to the CCPA?
The short answer is no. In addition to only applying to California consumers, there are a number of exemptions to what is considered “personal information” under the CCPA.
Information we collect, process, and share pursuant to certain federal regulation is not subject to the CCPA. For example, as a financial institution, Rushmore collects information pursuant to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. We may also collect information resulting from commercial transactions with businesses or individuals who are not transacting for family, household, or personal use. Personal information collected in these contexts is exempt from the CCPA.
Can I request you delete my information?
You may request Rushmore to delete your personal information, but there may not be an obligation on Rushmore’s part to do so. This is because your information may be subject to an exemption or exception to the provisions of the CCPA, as described above.
A financial institution in the business of servicing your mortgage loan must have your personal information in order to continue to service your loan. As your financial information is already regulated by federal law, information we collect, store, or share in connection with providing you a financial service or product is exempt from the CCPA. Pursuant to federal law, we use technical, physical, and administrative methods to safeguard your information. If you are not a customer of Rushmore, we may need to keep your information to perform our business activities. Noncustomer information may be used for the purposes of completing transactions, preventing or detecting fraud, or complying with legal obligations, among other things.
Though we may not delete your data, we will always use it for a lawful purpose consistent with what you would expect from your mortgage servicer.
To submit a Deletion request, please visit our request page or call us at 888.504.6700.
Can I request a copy of what you’ve collected or shared?
You may request what the CCPA refers to as a “Right to Know.” However, as mentioned above, the CCPA does not apply to all or nearly all of the information we collect or share in our role as a financial institution and we will not include any of that information in your Right to Know response.
To submit a Right to Know request, please visit our request page or call us at 888.504.6700.
How to I submit my request?
To submit a request under the CCPA, please visit our request page or call us at 888.504.6700.
What happens if I submit a request?
We will review your request carefully and respond accordingly within the timeframe established by the CCPA. There is no penalty for submitting any request and we will not discriminate against you for any such requests.
Can my authorized agent submit a request on my behalf?
Yes. In order to accept a CCPA request through an authorized agent, consistent with our validation of third party procedures, we will need, at a minimum, written evidence of the agent’s authority and personal information of the authorized agent for verification purposes. Written evidence may include a power of attorney sufficient under California Probate Code sections 4000 to 4465.
How does Rushmore verify my request is coming from me or my authorized representative?
We collect personal information sufficient to verify the person making the request. This information includes at least three elements, such as name, home address, phone number, email, date of birth, or the last four digits of your social security number. We may use a third party identity verification service to cross check this information against a database to ensure the information supplied is valid and accurate.
What if I have more questions?
If you have further questions, please contact us.
Last updated: 12/31/2019