Do Not Sell or Share My Personal Information

What Does "Sale" or "Sharing" Mean Under CCPA?

"Sale" of Personal Information

Under CCPA, a "sale" means the disclosure of personal information to a third party for monetary or other valuable consideration. This includes:

• Sharing data with advertising networks in exchange for advertising services
• Allowing third-party analytics companies to collect data from your website visit
• Providing customer lists to marketing partners

"Sharing" of Personal Information

Under CPRA, "sharing" means disclosing personal information to a third party for cross-context behavioral advertising. This includes:

• Sharing data with advertising platforms for targeted advertising
• Allowing retargeting pixels to track your behavior across websites
• Enabling third-party cookies for advertising purposes

Our Data Sharing Practices

We do not sell your personal information for money. However, we may share information in the following ways that could be considered a "sale" or "sharing" under CCPA:

Analytics and Advertising

• Google Analytics: We use Google Analytics to understand website traffic and user behavior. This may involve sharing technical information (IP address, browsing activity) with Google.
• Advertising Platforms: We may use platforms like Google Ads, Facebook Ads, and LinkedIn Ads to deliver targeted advertising. These platforms may receive information about your website visit.
• Retargeting Pixels: We may use retargeting pixels to show you relevant ads on other websites you visit.

Information Not Subject to Opt-Out

The following types of data sharing are NOT considered "sales" or "sharing" under CCPA and cannot be opted out of if you want to use our services:

• Lenders and Investors: Sharing your loan application with lenders to process your mortgage
• Service Providers: Sharing with companies that help us operate our business (e.g., document storage, credit bureaus, verification services)
• Legal Obligations: Disclosures required by law or to government agencies
• Transaction Parties: Sharing with title companies, real estate agents, and other parties involved in your loan transaction

How to Opt Out

You have the right to opt out of the "sale" or "sharing" of your personal information. You can exercise this right through the following methods:

Method 1: Online Request

To submit an opt-out request online, please contact us at:

Please include in your request:

• Your full name
• Email address
• Phone number (optional)
• Statement: "I am opting out of the sale or sharing of my personal information under CCPA"

Method 2: Phone Request

Call us at (510) 589-4096 and state that you wish to opt out of the sale or sharing of your personal information.

Method 3: Manage Cookie Preferences

You can also opt out of certain data sharing by managing your cookie preferences:

• Use our cookie consent tool (if available) to disable advertising and analytics cookies
• Adjust your browser settings to block third-party cookies
• Use browser extensions like Privacy Badger or Ghostery

Method 4: Global Privacy Control (GPC)

We honor the Global Privacy Control (GPC) signal. If your browser or extension sends a GPC signal, we will automatically opt you out of the sale or sharing of your personal information.

To enable GPC:

• Use a browser that supports GPC (e.g., Firefox, Brave, DuckDuckGo)
• Install a privacy extension that supports GPC
• Enable the GPC setting in your browser or extension

What Happens When You Opt Out?

What Will Change

When you opt out of the sale or sharing of your personal information:

• We will stop sharing your personal information with third-party advertising networks
• We will disable third-party advertising and analytics cookies on your browser
• You may see fewer personalized ads from us on other websites
• Your website browsing activity will not be tracked for advertising purposes

What Will NOT Change

Opting out will NOT affect:

• Our ability to process your loan application
• Our sharing of information necessary to provide mortgage services
• Our use of information for internal business purposes
• Our compliance with legal obligations
• Your access to our website or services

Right to Non-Discrimination

We will not discriminate against you for exercising your opt-out rights. Specifically, we will not:

• Deny you goods or services
• Charge you different prices or rates
• Provide you a different level or quality of goods or services
• Suggest that you may receive a different price or rate or a different level or quality of goods or services

Authorized Agents

You may authorize an agent to submit an opt-out request on your behalf. To do so, the agent must:

• Provide written authorization signed by you
• Verify their own identity
• Provide proof of their authority to act on your behalf

We may require you to verify your identity directly with us or confirm that you provided the agent authorization to submit the request.

Processing Time

We will process your opt-out request as follows:

• Immediate: If you use the Global Privacy Control (GPC) signal, we will process your opt-out immediately
• 15 business days: For requests submitted via email or phone, we will process your opt-out within 15 business days
• Confirmation: We will send you a confirmation once your opt-out request has been processed

Opt Back In

If you have opted out and later wish to opt back in to the sale or sharing of your personal information, you may:

• Contact us at info@agoodlender.com with the subject line "CCPA Opt Back In"
• Call us at (510) 589-4096
• Re-enable cookies in your browser settings
• Disable the Global Privacy Control (GPC) signal in your browser

Note: You must be at least 13 years old to opt back in. If you are between 13 and 16 years old, we require parental consent to opt back in.

Additional CCPA Rights

In addition to the right to opt out, California residents have the following rights under CCPA:

• Right to Know: Request information about the personal information we collect, use, and share
• Right to Delete: Request deletion of your personal information
• Right to Correct: Request correction of inaccurate personal information
• Right to Limit: Request to limit our use and disclosure of sensitive personal information

To exercise these rights, please see our Privacy Policy or contact us using the information below.

Questions or Concerns

If you have questions about your privacy rights or our data practices, please contact us:

File a Complaint with California Attorney General

If you believe your CCPA rights have been violated, you may file a complaint with:

California Attorney General's Office
Privacy Unit
Website: oag.ca.gov/privacy
Phone: 916-210-6276