
Privacy Policy
Sourcepoint takes your privacy very seriously. Below are Sourcepoint privacy statements regarding information gathered and distributed through this website.
Information Collected
When visiting the website, our server does not recognize any information regarding domain or e-mail address. Visitor sessions are monitored, but the user remains anonymous.
Type of information that the website collects
The website collects only information volunteered by the visitor, such as survey information and/or site registrations and e-mail addresses of those who communicate with us via e-mail.
Use of the information collected
The very limited information collected is not shared with other organizations for commercial purposes and is used solely for the benefit of our visitors in the following manner:
- for internal review, after which the information is discarded > to improve the content of the website > to notify visitors about updates to the website
Email Addresses and Personal Information
Sourcepoint does not rent, sell or share personal information about you with other people or with non-affiliated companies, except to provide products or services you’ve requested when we have your permission, or under the following circumstances:
- We provide the information to trusted partners who work on behalf of or with Sourcepoint under extremely strict confidentiality agreements. These companies may use your personal information to help Sourcepoint communicate with you about offers from Sourcepoint and our marketing partners. However, these companies do not have any independent right to share this information.
- We respond to subpoenas, court orders or legal process, or to establish or exercise our legal rights or defend against legal claims. We believe it is necessary to share information in order to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person or as otherwise required by law.
If Sourcepoint is acquired by or merged with another company
You may choose to give us personal information, such as your name and address or e-mail that may be needed, for example, to correspond with you, to download our white papers or to provide you with a subscription. If you tell us that you do not want us to use this information as a basis for further contact with you, we will respect your wishes. We intend to protect the quality and integrity of your personally-identifiable information.
Links
Sourcepoint website might contain links to internal or external website locations in order to better facilitate your visit or clarify your inquiry. However, Sourcepoint accepts no responsibility for the content and/or information practices of third-party websites. This Privacy Statement does not apply to any third-party websites that are linked from the Sourcepoint website.
Cookies
Sourcepoint uses cookies for marketing tools and analytics. There may also be necessary functional cookies used for proper functionality of the website. Users have the option to disable cookies and clear all cookies from their browser.
Traffic monitoring
Sourcepoint collects aggregate information on what pages visitors access and from where visitors originate, whether from search engines, referral links or direct entries.
Security
Sourcepoint has appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site. If you feel our website is not following the stated policy, please let us know at webmaster@sourcepointmortgage.com
Third Party Processors
Our carefully selected partners and service providers may process personal information about you on our behalf as described below:
“Digital Marketing Service Providers
We periodically appoint digital marketing agents to conduct marketing activity on our behalf, such activity may result in the compliant processing of personal information. Our appointed data processors include:
(i)Prospect Global Ltd (trading as Sopro) Reg. UK Co. 09648733. You can contact Sopro and view their privacy policy here: http://sopro.io. Sopro are registered with the ICO Reg: ZA346877 their Data Protection Officer can be emailed at: dpo@sopro.io.”
Sourcepoint, Inc. and its subsidiary Sourcepoint Fulfillment Services, Inc. (“we,” “our,” or “Sourcepoint”) 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.
The CPRA effective January 2023, makes a distinction between “personal information” and “sensitive 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 a particular consumer or household.” “Sensitive personal information” includes anything that reveals an individual’s personal information, such as Social Security number, driver’s license number, state identification card, or passport number; “a consumer’s account login, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account” , “[a] consumer’s precise geolocation”; and “a consumer’s racial or ethnic origin, religious or philosophical beliefs, or union membership.” The data privacy protections for sensitive personal information are required to be more robust than those used to protect personal information.
The CPRA no longer includes the employee exception, which means that California employees, applicants, emergency contacts, beneficiaries, independent contractors, and members of boards of directors have the same rights as any other consumer. Employees may request that the company disclose to them the personal information collected on them and or request that this information be deleted or corrected. Employees may direct the company not to sell or share their personal information, and each employee has the right to limit the use of sensitive personal information. Employees have the right to access personal information and to know what personal information is old or shared and to whom.
Employers must provide notice of employees’ rights under the CPRA and give employees a way to tell the employer about their exercise of these rights. The employer has limited time to respond to a request and must properly document all responses.
Business to business transactions are now subject to the CPRA.
Effective Date: January 1, 2023
Last Review Date: December 7, 2022
Your right to know
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
- Transparency about or our commitment not to sell your data now or in the future Your “Right to Delete” personal
- 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
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, driver's license number, passport number, or other similar identifiers. | Yes | Yes |
B. Personal Information | 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. (Cal. Civ. Code § 1798.80(e)). | Yes | Yes |
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). | Yes | Yes |
D. Commercial Information | Records of personal property or services purchased 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 interactions with a website, application, or advertisement. | Yes | Yes |
G. Geolocation data | Approximate 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 or performance evaluations. | 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 |
Please note that Personal Information does not include:
- Publicly available information from government records
- Deidentified or aggregated consumer information
- Information excluded from the CCPA’s scope, such as:
- 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 (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994
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. For example, from electronic data file transfer that our clients provide to us related to the services for which they engage us.
- Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them.
- Directly and indirectly from activity on our websites. For example, from submissions through our website portal or website usage details collected automatically If you fill out a contact us form or other information you provide to us on our website or mobile applications.
- If you interact with us on social media
- From third parties that interact with us in connection with the services we provide.
- From unaffiliated service providers who provide functionality and analytics regarding website and social media usage.
Personal Information disclosed for business purposes
We may disclose consumers’ personal information to third parties to perform the following activities
- Auditing for legal and regulatory compliance
- Security for detecting security breaches
- Protecting against fraud and malicious activity
- Take 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 “owned, manufactured, manufactured for, or controlled by” Sourcepoint and/or its parent companies, Firstsource Group USA, Inc. or Sourcepoint Limited.
- To service providers who provide functionality and analytics regarding website and social media usage.
- Cloud hosting
- Information technology support
Right to access
Consumers have the right to request access to personal information. We have two (2) methods for submitting requests. Consumers can make this request for free, twice per year, Requests shall be sent to sourcepointccpa@sourcepointmortgage.com or by calling 1-800-736-2107 ext. 53107.
Upon receiving an access request, we will confirm receipt of the request from the consumer within ten (10) days of the request. We will provide the necessary information in a portable and easily accessible format, as requested by the consumer in a format feasible to us, within 45 days of the request. We will respond based on the personal information collected over the previous twelve (12) months.
We do not charge a fee 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.
At the request of a consumer, we will include:
- The categories of personal information we have collected about the consumer
- The categories of sources of the consumer’s personal information
- The business or commercial purpose for collecting the consumer’s personal information
- The categories of any third parties with whom we share the consumer’s personal information
- The specific pieces of personal information collected about the consumer
Please note that, in responding to your request, we are not permitted to disclose or provide you with 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 answers.
Right to deletion
The consumer has a right to request the deletion of personal information that we hold on the consumer. This right does not apply where Sourcepoint or its service provider(s) needs to retain the personal information in order to do any of the following:
- Provide goods or services to the consumer
- Detect or resolve issues security or functionality-related issues
- Comply with the law
- Conduct research in the public interest
- Safeguard the right to free speech
Sourcepoint will not discriminate against any consumer for having exercised their rights under the CCPA. Sourcepoint will not:
- Deny the consumer goods or services
- Denying benefits or impose penalties
- Provide the consumer with a different level or quality of goods or services to the consumer
- Threaten the consumer with any of the above
Selling consumer information
Sourcepoint will not discriminate against any consumer for having exercised their rights under the CCPA. In particular, Sourcepoint will not:
- Deny the consumer goods or services
- Denying benefits or impose penalties
- Provide the consumer with a different level or quality of goods or services to the consumer
- Threaten the consumer with any of the above
Selling consumer information
We do not sell consumer information and have not sold consumer information in the past twelve (12) months.
Changes to our Privacy Notice
We reserve 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 the Website and update the notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.
Contact for more information
If you have any questions or comments about this notice, the ways in which we collect and use your information, your choices, and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at.
Phone: 1-800-736-2107 ext 53107
Website: https://www.sourcepointmortgage.com
Email: sourcepointccpa@sourcepointmortgage.com
Postal Address:
Sourcepoint
c/o Firstsource
Attn: Privacy Officer
10400 Linn Station Rd, Suite 100
Louisville, KY 40223
Sourcepoint Solutions in lieu of Sourcepoint, Inc. NMLS # 266274. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.