Condition Confidentiality Observe to own People from Ca, Texas, Connecticut, Montana, Oregon, Colorado, Utah, and you can Virginia
Which Privacy Find To own Citizens Regarding Ca, Tx, CONNECTICUT, MONTANA, OREGON, Colorado, UTAH, and you will VIRGINIA (“Notice”) capsules the information within the Privacy policy of Federal Mortgage Financial Company (“Freddie Mac,” “we,” “united states,” or “our”) and applies entirely to those those people who have consumer confidentiality legal rights beneath the after the regulations (“consumers” or “you”): the brand new California Individual Confidentiality Operate regarding 2018, while the amended from the California Confidentiality Liberties Work (to one another “CCPA”), brand new Colorado Privacy Operate (“CPA”), this new Connecticut Investigation Privacy Act (“CTDPA”), the Montana Consumer Research Confidentiality Operate (“MTCDPA”), brand new Oregon User Studies Privacy Work (“OCDPA”), the new Colorado Studies Privacy and you may Coverage Work (“TDPSA”), the newest Utah Individual Privacy Work (“UCPA”) additionally the Virginia Consumer Investigation Defense Act (“VCDPA”).
Definition of Information that is personal
I assemble certain “private information” regarding customers. For purposes of this notice, information that is personal is actually pointers one refers to, describes, makes reference to, is fairly capable of being from the, or you are going to fairly end up being connected, physically otherwise indirectly, that have a specific user otherwise home.
“Sensitive private information” are good subcategory off personal information. It gives advice you to definitely reveals a consumer’s racial or ethnic origin, religious beliefs, rational or health records or standing, sex existence otherwise sexual orientation, citizenship, or immigration standing, genetic or biometric research used to select just one, accurate geolocation data, and you may investigation of an infant. Freddie Mac simply processes sensitive and painful personal information of customers once the allowed because of the county legislation.
Just what Private information I Gather
Most of the non-public information one to Freddie Mac accumulates and processes try excused from county legislation criteria. Particularly, information that is personal that people gather in connection with to shop for and you will securitizing home-based mortgages away from financial institutions isn’t susceptible to new liberties discussed inside notice. The non-public information i payday loan Eagle Point gather and techniques maybe not subject to a keen different try placed in the desk less than. Since you opinion the fresh desk please note:
- Particular personal information used in one class will get overlap with other kinds.
- We do not consciously offer or share the personal recommendations out of consumers significantly less than sixteen years old.
Types of Sources
- throughout the businesses of which i pick otherwise consider to shop for financing (our “customers”) or the representatives, from your mortgage upkeep agencies and you may from your services within the contact with the acquisition and you will securitization out-of fund additionally the resecuritization and sales of these securities.
- from our Provider/Servicers or other entities one offer otherwise seek to offer united states mortgage loans or perhaps to has actually you securitize its mortgage loans.
- from credit agencies and other providers who provide borrowing and other record information regarding anyone to own credit and homework aim.
- away from you after you render they to help you united states (age.grams., the place you contact us thru email or telephone, otherwise because of the virtually any means) and you may from the activity to your all of our web site (eg, away from distribution due to all of our web site websites otherwise regarding instantly built-up website incorporate details).
- out-of individuals and financing people.
- out-of businesses from just who we obtain products or services.
Exactly how we Use Personal data
- To fulfill a demand otherwise fulfill the cause for that information is given. Such as for instance, if a mortgage broker brings united states having personal information manageable for all of us to take on to order financing, we fool around with one to information to evaluate the borrowed funds and you may, when we order it, so you can service they and you will securitize it.
- To the points pertaining to to find mortgage loans, securitizing all of them, and you can offering the newest bonds (the secondary ple, we use personal information to test loans that we are thinking about to find otherwise encouraging in order to display screen the efficiency from fund you to definitely we own otherwise make sure. Since the a new example, we use this pointers to evaluate the value of functions collateralizing these financing and to predict standard.
