California Privacy Statement

California Privacy Statement

This California Privacy Statement was last updated on 09/07/2021.

This California Privacy Statement is for California Residents only and supplements AmeriSave’s Privacy Policy notice. This policy describes the personal information that AmeriSave (“we,” “our,” or “us”) collects in the course of its business, explains how this information is collected, used, shared, and disclosed, describes rights provided by the California Consumer Privacy Act of 2018 (CCPA) to California Residents (“consumers” or “you”) regarding their personal information, and explains how consumers can exercise those rights.

What is Personal Information?

Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household (“personal information”). “Personal information” does not include: (1) publicly available information, such as information that is lawfully made available from federal, state, or local records, and (2) de-identified or aggregate consumer information.

Personal Information We Collect, Use, or Share

The CCPA requires us to disclose certain information regarding our collection, use, and sharing of personal information. However, as a business, we are subject to the Gramm-Leach-Bliley Act (GLBA). The CCPA provides an exemption for personal information that is covered by the GLBA. The GLBA exemption does not completely remove financial institutions from the scope of CCPA, however, this section of the privacy policy outlines our processing activities related to only the personal information in scope. To view the full extent of our privacy practices related to all personal information outside of the CCPA, please review our general privacy policy.

The following table outlines the categories of personal information that we have collected about consumers in the last 12 months that is subject to the CCPA. For each category, if applicable, we have identified the categories of sources from which that information was collected, the business or commercial purpose(s) for which the information was collected, and the categories of third parties with whom we share personal information.

Business or commercial purposes are defined as follows:

  • Account Services: Account services include: (1) fulfilling or meeting the reason for which the personal information was provided. For example, if you have provided personal information to us in order to obtain financing, we will use that information to determine if you qualify for such financing and under what terms and conditions; (2) providing services, products, or information you may have requested from us; and (3) performing services such as maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, or providing similar services on our own behalf or on the service provider’s behalf.
  • Security and Fraud Detection: Security and fraud detection services include detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity; and prosecuting those responsible for that activity.
  • Debugging: We engage in debugging to identify and repair errors that impair existing intended functionality in our systems.
  • Improvement of Products and Services: We use personal information to verify, maintain, and improve our products and services.
  • Internal Research: We use personal information for our internal research related to technological development and demonstration.
  • Legal Obligations: We use personal information to fulfill legal obligation. Those may include to fulfill or meet the regulatory reporting requirements (e.g., Home Mortgage Disclosure Act, state and federal reporting).
  • Job Qualification: We may use your personal information if you are applying for a position at AmeriSave to determine if you meet the applicable job qualifications.
  • Short-term Transient Use: We may use your personal information for short-term, transient use.
  • Audits: We use personal information to audit current interactions with you and related transactions (e.g., counting and verifying ad impressions, auditing compliance).
  • Merger/Acquisition/Bankruptcy, etc.: We may use your personal information as part of a merger, acquisition, bankruptcy, or other transaction where a third party assumes control of us.
  • Commercial/Economic Interests: We use personal information to advance our commercial or economic interest.
Categories of Personal Information The Categories of Sources from Which the Personal Information is Collected The Business or Commercial Purpose(s) for Which the Information is Collected, Used, and/or Shared The Categories of Third Parties/Service Providers with Whom we Share/Disclose Personal Information
Identifiers. This may include name, phone number, online identifier, Internet Protocol address, email address. Directly from you, consumer data resellers • Account Services
• Security and Fraud Detection
• Debugging
• Improvement of Products and Services
• Internal Research
• Auditing
• Commercial/Economic Interests
• Mortgage Servicing vendors and service providers
• Examiners and/or Auditors
• Other vendors/service providers performing services
Personal information described in the California Customer Records Statute (Cal. Civ. Code §1798.80(e)). This may include a name, address, telephone number. Directly from you, consumer data resellers • Account Services
• Debugging
•Improvement of Products and Services
• Internal Research
• Auditing
• Commercial/Economic Interests
• Mortgage Servicing vendors and service providers
• Examiners and/or Auditors
• Other vendors/service providers performing services
Internet or other similar network activity. This may include browsing history, search history, or information on a consumer’s interaction with a website, application, or advertisement. Directly from you, consumer data resellers • Account Services
• Security and Fraud Detection.
• Debugging
• Short-term, transient use.
• Improvement of Products and Services
• Internal Research
• Commercial/Economic Interests
• Cookie and tracker providers on our website

Sale of Personal Information

Under the CCPA, the term “sale” is defined very broadly and may encompass some of our tracking, analytics, and advertising activities occurring with third parties via cookies and trackers on our website. Therefore, while we do not sell personal information in the traditional sense, we may “sell” the following categories of personal information as defined by the CCPA to our cookie and tracker providers:

  • Internet/Network activity; and
  • Geolocation data.

AmeriSave does not knowingly sell personal information of California consumers under the age of sixteen (16) years.

Your Rights under the CCPA

As described in more detail below, the CCPA provides you with certain rights regarding the collection, use, retention, and disclosure of your personal information.

The Right to Opt-Out of the Sale of Personal Information:

You have the right to request that we discontinue the sale of your personal information that we have collected about you. Once you submit this request, we will not request authorization from you to begin selling your data again in the future for twelve (12) months. You may submit this request by updating your cookie preferences through our Do Not Sell My Personal Information  link.

The Right to Know About Personal Information Collected, Used, or Disclosed

You have the right to request that we provide you with certain information about the personal information we collect, use, or disclose about you as well as the categories and specific pieces of information that we have collected about you in the 12 months before your submission of a verifiable consumer request. Specifically, you have the right to request the following information:

  • The categories of personal information we have collected about you.
  • The categories of sources from which we have collected personal information about you.
  • Our business or commercial purpose for collecting your personal information.
  • Our business or commercial purpose for disclosing the category of personal information about you.
  • The specific pieces of personal information we have about you.
  • If we disclosed your personal information for a business or commercial purpose:
    • The categories of personal information that we disclosed about you for a business or commercial purpose; and
    • The categories of third parties to whom your personal information was disclosed for a business or commercial purpose, and which category of personal information was disclosed to that category of third party.

A household may request to know aggregate household personal information by submitting a verifiable consumer request. Also, if all consumers in a household jointly request access to specific pieces of information for the household, and we can individually verify all the members of the household, then we will comply with the request.

However, there is certain information that we will not disclose to you. This information includes but is not limited to your Social Security number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, or security questions and answer. Also, we will not provide you with specific pieces of personal information if the disclosure creates a substantial, articulable, and unreasonable risk to the security of that personal information, your account with us, or the security of our systems or networks. This right does not apply to Business Consumers.

The Right to Request Deletion of Personal Information

You have the right to request that we delete any personal information that we have collected from you and maintained about you. Once we receive and confirm your verifiable consumer request, if we determine that we must comply with a deletion request and delete your personal information from our records, we will also direct any service providers we work with to also delete your personal information from their records.

A household may request the deletion of aggregate household personal information by submitting a verifiable consumer request. If all consumers in a household jointly request deletion of household personal information, and we can individually verify all the members of the household, then we will comply with the request.

Please note that we may deny your deletion request for a number of different reasons, which are identified in the CCPA.   Should we deny your deletion request, we will notify you of the reasons for denial. This right does not apply to Business Consumers.

Submitting a Verifiable Request to Know About Personal Information Collected or Disclosed and Request to Delete

To exercise your Right to Know or your Right to Delete, please submit a verifiable consumer request to us by either:

You will be asked to provide certain personal information to allow us to verify your identity, such as your email address and phone number. Only you (or an authorized agent) may make a verifiable consumer request for your personal information. Please note that we are only required to respond to your request for access to your personal information twice within a 12-month period.

We will generally avoid requesting additional information from you to verify you. However, if we cannot verify your identity based on the information we currently maintain, we may request additional information from you, which will only be used to verify your identity and for security or fraud-prevention purposes. We will delete any new personal information we collect to verify your identity as soon as practical after processing your request unless otherwise required by the CCPA. Generally, if we are unable to verify your identity, we will inform you of this inability and explain why we were unable to do so.

Our Response to Your Request to Know About Personal Information Collected or Disclosed or Your Request to Delete

Once we receive your verifiable consumer request, we will confirm our receipt of your request within 10 days and provide you with additional information about how we will process the request. Our goal is to respond to your request within 45 days of receiving the request, beginning on the day we receive the request. However, in the event that we need more time (up to 90 days) to respond to your request, we will provide you with notice and an explanation of the reasons that we will take more than 45 days to respond. Any disclosures we provide in response to a request to know, will cover the 12-month period preceding the verifiable consumer request’s receipt. If we are unable to comply with a given request, we will provide you with a response explaining why we have not taken action on your request and identifying any rights you may have to appeal the decision.

We will not charge you to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. 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.

Authorized Agent for Requests

You may designate an authorized agent to make a request on your behalf. If you would like to use an authorized agent, which is an individual or business registered with the Secretary of State that you have authorized to act on your behalf, to submit a request to opt-out, you must provide the authorized agent with written permission to do so and verify your own identity directly with us. We may deny a request from an agent that does not submit proof that they are authorized to act on your behalf.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. For example, unless otherwise permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you with a different level or quality of goods or services.
  • Suggest that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our California Privacy Statement

We reserve the right to amend the Privacy Policy at any time and for any reason, without notice to you, other than the posting of the amended Privacy Policy. Users should check site to see the current Privacy Policy that is in effect and any changes that may have been made to it. The provisions contained herein supersede all previous notices or statements regarding our privacy practices.

Contact Information

If you have any questions regarding our privacy policies, our California Privacy Statement, the ways in which we collect, use, and disclose your personal information, or how to exercise your rights under the CCPA, please do not hesitate to contact us at:

Phone: (800) 333-5571

Website: www.amerisave.com

Postal Address: AmeriSave Mortgage Corporation, 3525 Piedmont Rd, NE, 8 Piedmont Center, Suite 600, Atlanta, GA 30305 Attn: Customer Service