Statutory Basis
This Notice at Collection is provided under Cal. Civ. Code § 1798.100(b) and 11 C.C.R. § 7012, on or before the time at which Personal Information is collected from California consumers.
Categories of Personal Information We Collect
| CCPA Category | Examples | Sensitive? |
|---|---|---|
| Identifiers | Name, address, email, telephone, account name, IP address, SSN, driver's license number. | SSN and driver's license — Yes |
| Customer Records (Cal. Civ. Code § 1798.80(e)) | Bank account, credit card, employment history, financial information. | Account numbers — Yes |
| Protected Classification | HMDA-required ethnicity, race, sex, age, marital status (mortgage applications only). | Yes (racial/ethnic origin) |
| Commercial Information | Products considered, transaction history. | No |
| Internet/Network Activity | Browsing history, interactions with our communications. | No |
| Geolocation | Coarse IP-based. | Precise — Yes (we do not collect) |
| Audio/Visual | Call recordings, photos of ID. | Photo ID — Yes |
| Professional/Employment | Employer, position, income. | No |
| Inferences | Loan-product fit, communication preference. | No |
| Sensitive Personal Information | Government IDs, financial accounts, race/ethnicity (HMDA), photos of ID. | Yes |
Purposes of Collection
To originate mortgage loans; provide real-estate brokerage services; communicate with you; verify identity; comply with legal obligations including HMDA, BSA, OFAC, RESPA, ECOA, TILA, and Reg B/Z; operate, secure, and improve the Site; and protect rights and safety. Sensitive Personal Information is used only as reasonably necessary for these purposes.
Sale or Sharing
We do not sell Personal Information for monetary consideration. We may share identifiers and internet/network activity for cross-context behavioral advertising only where you have not opted out and only in compliance with applicable law. We honor Global Privacy Control signals.
Retention
Retention periods are set forth in our Privacy Policy. Mortgage records are typically retained for at least the longer of 25 months under RESPA / Reg X or 10 years under California real-estate law; HMDA Loan Application Register data for 3 years; ECOA adverse-action records for 25 months; BSA records for 5 years.
How to Exercise Your Rights
California consumers may submit requests to know, correct, delete, opt out of sharing, limit use of Sensitive Personal Information, and designate an authorized agent at contact@marcusnaulin.com or (805) 377-5626. We respond within forty-five (45) days, with one extension of forty-five (45) days where reasonably necessary.
Non-Discrimination
We will not deny goods or services, charge different prices, provide different quality, or retaliate against you for exercising any privacy right.
Contact Us
Marcus Naulin — Mortgage Planner & Real Estate Pro
Direct: (805) 377-5626
NMLS#: 469645 | DRE#: 01322846
Email: contact@marcusnaulin.com
Website: https://marcusnaulin.com
To exercise privacy rights, request records, opt out of communications, or ask any question about this policy, contact us through any channel above. We respond to written requests within thirty (30) days where feasible, and within statutorily mandated timeframes where shorter periods apply.
