California Privacy Act Policy

This California Privacy Act Policy (“CA Privacy Policy”) supplements Citizens Lending Group’s general Privacy Policy and explains the rights of California residents under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA).

Required Disclosure: Personal information we collect, process, or disclose in order to provide financial products or services subject to the federal Gramm-Leach-Bliley Act (GLBA) is generally exempt from the CCPA/CPRA. This CA Privacy Policy applies to personal information collected through our website and marketing that is not otherwise covered by the GLBA exemption. Loan-application information is governed by our GLBA Privacy Notice.

1. Scope

This policy applies to California residents whose personal information we collect through our website, online forms, the reverse mortgage calculator, consultation requests, or general communications, to the extent that information is not exempt under the GLBA.

2. Categories of Personal Information Collected

In the preceding 12 months, we may have collected the following categories of personal information through our website and marketing:

• Identifiers: name, postal/property address, email address, phone number, and IP address.
• Characteristics (age): general age or age-range information relevant to reverse mortgage eligibility.
• Commercial information: consultation requests and general information about your interests and inquiries.
• Internet activity: browsing history and interactions with our website and calculator.
• Inferences: preferences drawn from your inquiries.

3. Sources of Information

We collect this information directly from you and from website forms, the calculator, phone/email communications, and cookies and basic analytics tools.

4. Use of Personal Information

We use personal information to respond to inquiries and consultation requests, provide information about reverse mortgage products, operate website tools, improve our website and services, and comply with legal and regulatory obligations.

5. Disclosure of Personal Information

We may disclose personal information to authorized service providers supporting our operations and to legal or regulatory authorities when required by law. We do not sell your personal information, nor do we share it for cross-context behavioral advertising in a manner requiring opt-out beyond the choices we provide.

6. Your California Privacy Rights

If you are a California resident, and with respect to information not exempt under the GLBA, you have the right to know what personal information we collect and how it is used; request access to and deletion of your personal information; correct inaccurate personal information; opt out of the sale or sharing of personal information (if applicable); limit the use of sensitive personal information (if applicable); and be free from discrimination for exercising your privacy rights.

7. How to Exercise Your Rights

You may submit a request by email at jkrolosky@clgmtg.com, by phone at 1800 480 6828, by mail at 5557 E Santa Ana Canyon Road #205, Anaheim, CA 92807, or through our Opt-Out Preferences page. We may need to verify your identity before fulfilling your request. Where required by law, we honor the Global Privacy Control (GPC) signal as a valid opt-out request.

8. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described here and to meet the recordkeeping and legal obligations that apply to mortgage lenders.

9. Do Not Sell or Share My Personal Information

Citizens Lending Group does not sell or share personal information as defined under the CCPA/CPRA. If this changes, this policy will be updated accordingly and we will provide a method to opt out.

10. Updates to This Policy

This CA Privacy Policy may be updated periodically. Any changes will be reflected on this page with an updated effective date.