Firstsource Group USA, Inc. and its direct and indirect subsidiaries (including, without limitation, Sourcepoint USA, LLC, Firstsource Transaction Services, LLC, Firstsource Advantage, LLC, Sourcepoint, Inc., and One Advantage, LLC ) (“we,” “our,” or “Firstsource”) respect your privacy and are committed to providing a transparent notice of our Privacy Notice and Disclosure for California Residents. This Privacy Notice and Disclosure for California Residents applies solely to those who reside in the State of California (“consumers” or “you”).
This Privacy Notice for California Residents supplements the information contained in our privacy policy and applies solely to all visitors, users, and others who reside in the State of California (”consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.
Effective Date: January 01, 2020
Last Review Date: January 9, 2020
Your “Right to Know” about personal information collected, used, and disclosed including:
- What categories of personal information we collect from you and the purpose for its collection
- How we use those categories personal information
- How we share the personal information you entrust to us
- How we share the personal information you entrust to us
- Your “Right to Delete” personal information
- How to submit a verified consumer request for your Right to Know or Right to Delete
- How to use an authorized agent to submit a verified consumer request
- Your “Right to Non-Discrimination” for the exercise of a privacy right
- Changes to our privacy notice
- Our contact information
Your Right to Know:
You have the right to request that the Company disclose what personal information it collects, uses, discloses, and sells. You can do this through a verified consumer request. That process is described below.
We collect personal information, which means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“personal information”). The following table includes disclosures of the personal information we collect from consumers and have used in the past 12 months, followed by an explanation of the purposes for which it is collected and used, the categories of sources from which it was collected and categories of third parties with whom we share the personal information.
| Category | Examples | Collected | Used in the past 12 months |
|---|---|---|---|
| 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. | Yes | Yes |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) | A name, signature, Social Security number, , address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, 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. | Yes | Yes |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, citizenship, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), veteran or military status. | Yes | Yes |
| D. Commercial information. | Records of personal property or considered. | Yes | Yes |
| 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. | No | No |
| F. Internet or other similar network activity. | Cookies, browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. | Yes | Yes |
| G. Geolocation data | Physical location or movements. | No | No |
| H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | No | No |
| I. Professional or employment-related information. | Current or past job history. | Yes | Yes |
| 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. | No | No |
| K. Inferences drawn from other personal information. | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | Yes | Yes |
Use of Personal Information:
We may use or disclose the personal information we collect for one or more of the following business purposes:
- For payment for hospital services, such as determining insurance coverage, billing, payment and collection, claims management, and medical data processing to fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information for us to apply for a medical assistance program, we will use that information to apply for such program.
- For mortgage processing, underwriting or servicing and/or title agency related services on behalf of our clients.
- In connection with debt collection services provided to our clients.
- To provide our client with information they request from us.
- To carry out our contractual obligations for our mortgage industry, financial services, healthcare clients, and other clients.
- As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- Conduct internal research and development or otherwise improve our operations.
- As otherwise set forth in the CCPA.
- If you are applying for a job, then in connection with your employment application.
- Analyzing your engagement with our company (including our website and social media).
- To perform various internal business functions, such as auditing and activities.
- To share your information with the Health Insurance Exchange and Health Insurance Marketplace in order to provide options for preparing, completing and updating health coverage applications.
- If another company acquires, or plans to acquire, our company, business, or our assets, we will share information with that company, including at the negotiation stage.
Please note that Personal Information does not include:
- Publicly available information from government records.
- De-identified or aggregated consumer information.
- Information excluded from the CCPA’s scope, like:
- Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CalFIPA), and the Driver’s Privacy.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without your consent.
How We Obtain Information:
We obtain the categories of information listed above from the following categories of sources:
- Directly from the individual, our clients, or their agents.
- Indirectly from our clients or their agents.
- From activity on our websites or apps.
- If you interact with us on social media.
- From third parties interacting with us regarding our services.
- From supporting documentation for assistance applications.
- From unaffiliated service providers offering analytics.
Personal Information Disclosed for Business Purposes:
We may disclose consumers’ personal information to third parties for:
- Auditing for legal and regulatory compliance
- Security for detecting security breaches
- Protecting against fraud and malicious activity
- Taking action against wrongdoers (e.g. fraudsters and hackers)
- Debugging
- Identifying and fixing technical errors
- Performing services
- Account maintenance
- Customer service
- Processing transactions
- Internal research to develop or demonstrate technology
- Testing or improvement of any service or device
- To service providers who offer analytics
- Cloud hosting
- IT support
Right to Access:
Consumers have the right to request access to personal information. Consumers can make this request for free, twice per year. Requests shall be sent to firstsourceccpa@na.firstsource.com or by calling 1-800-736-2107 ext 53107.
Upon receiving an access request, we will confirm receipt within 10 days and respond within 45 days. We provide info in a portable format based on the previous 12 months.
We do not charge a fee unless the request is excessive, repetitive, or unfounded. If so, we’ll provide a cost estimate.
At the request of a consumer, we will include:
- The categories of personal information we have collected
- The categories of sources of the consumer’s personal information
- The business or commercial purpose for collecting the personal info
- The categories of any third parties with whom we share the info
- The specific pieces of personal information collected
Please note we are not permitted to disclose Social Security Numbers, Driver’s License Numbers, financial account numbers, or security credentials.
Right to Deletion:
Consumers have the right to request deletion of personal information. This right does not apply if we need to:
- Provide goods or services to the consumer
- Detect or resolve security/functionality issues
- Comply with the law
- Conduct public interest research
- Safeguard free speech
- Perform internal activities the consumer expects
Non-Discrimination:
Firstsource will not discriminate against any consumer for exercising their rights under the CCPA. Specifically, we will not:
- Deny goods or services
- Deny benefits or impose penalties
- Provide a different level or quality of services
- Threaten with any of the above
Selling Consumer Information:
We do not sell consumer information and have not done so in the past 12 months.
Changes to Our Privacy Notice:
We reserve the right to amend this privacy notice. Updates will be posted on the Website with a revised effective date. Continued use means acceptance of the changes.
Contact for More Information:
If you have questions about this notice, how we use your info, or wish to exercise your rights, please contact us at:
Phone: 1-800-736-2107 ext 53107
Website: https://www.sourcepointmortgage.com/contact/
Email: firstsourceccpa@na.firstsource.com
Postal Address:
Firstsource
Attn: Privacy Officer
10400 Linn Station Rd, Suite 100
Louisville, KY 40223