California Privacy Notice

Last Updated:

Overview

21st Century Lending, a division of Full Realty Services, Inc. (“21CL,” “we,” “us,” or “our”), NMLS #241835, respects your privacy and is committed to complying with our privacy obligations under the California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”), as set forth in this privacy notice (the “California Privacy Notice”).

This California Privacy Notice describes our information collection and sharing practices and applies to information collected on the websites on which this notice is posted (each, a “Website”), any current or future mobile application associated with a Website (each, a “Mobile Application”), and any associated functionality (collectively, the “Services” and, together with a Website and the Mobile Application, the “System”).

In this California Privacy Notice, “you” and “your” refer to you, a resident of California, accessing the System and/or using the Services.

BY ACCESSING OR USING THE SYSTEM, OR ANY PORTION THEREOF, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS CALIFORNIA PRIVACY NOTICE.

This California Privacy Notice is intended to supplement our general Privacy Policy for California residents and to further clarify your rights and our obligations under the CCPA. Where our general Privacy Policy and this California Privacy Notice differ or conflict, the terms set forth in this California Privacy Notice govern.

What Personal Information Do We Collect?

We collect the following categories of personal information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with you:

Identity Information: Name, address, email address, Social Security number, etc.

Personal information per California Customer Records statute: Name, Social Security number, address, phone number, financial account number, credit score, etc. (some information in this category may overlap with other categories)

Protected classifications under California or federal law: Racial or ethnic origin, marital status, sex, veteran or military status, etc.

Commercial information: Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories like account number, property details, insurance information, etc.

Internet or other similar network activity: Internet Protocol address (IP address), social media IDs and URLs, etc.

Professional or employment-related information: Employer details, position held, years employed, etc.

How Do We Collect Your Personal Information?

The above categories of personal information are collected from the following sources:

  • Directly from you or your agents through information or details you/your agent provide to us, to our loan officers, or through our Website(s)
  • Indirectly from our third-party service providers, through social media websites and other service providers that we connect with to conduct our business or provide services, government entities from which public records are obtained, or consumer data resellers

We collect your personal information, for example, when you apply for a loan or give us your contact information, employment history, income information, or employment information. We also collect your personal information from other entities, such as credit bureaus.

How We Use the Information We Collect

We and our third-party service providers collect and we use the information to operate the System and deliver the Services for which you have engaged with us, to improve the user experience, to address System integrity or security issues, and for any other communication for a legitimate and lawful business purpose.

We may retain and use collected information to facilitate and otherwise address certain inquiries or requests regarding the Services or respond to your questions. We may also use collected information as necessary to ensure compliance with any of our policies and any applicable law, regulation, or order.

We disclose personal information in the above categories for business or commercial purposes as set forth below. We do not sell your personal information.

With Whom We Share Information

Government agencies: Regulatory and reporting services

Application vendors: Provision of tools or applications used for daily business purposes to provide you services

Third-party service providers: Website development and technology service partners who develop, maintain, and enable technology tools used for normal business operations

Your Rights Under the CCPA

The CCPA provides you with the following rights in connection with your data:

Right to notice: You will be notified of the personal data we collect from you, the purpose of its collection, the third parties we share them with, and the rights you have in connection with the data.

Right to access: You can request a copy of the personal information that we collect from you, and we will share the same with you once we have verified your identity.

Right to delete: You can request us to delete your information. However, we will not be in a position to honor your request if the information is needed to provide the service for which you have engaged with us, if we are required by regulatory authority to retain the data, or if the information is needed for any legal or regulatory purpose.

Right to correct: You can request that we correct inaccurate personal information that we maintain about you.

Right to opt out of sale of information: We do not sell your personal information. As such, there is no financial incentive for encouraging you to opt in for sale of such information.

Right to equal services: We will not discriminate against you if you exercise any of the rights described herein. Exercise of these rights will not result in us denying goods or services to you, charging different prices or rates, providing a different level or quality of goods or services, or suggesting that you will receive a different price or rate.

How to Exercise Your Rights

You can contact a customer service representative at (888) 862-1189 to exercise your rights. Alternatively, you can send us an email at compliance@21stcenturylending.com or send us postal mail at:

21st Century Lending, Attn: Privacy Rights
1169 Fairway Dr Suite 100
Walnut, CA 91789

You can also appoint an authorized agent to exercise these rights. “Authorized agent” means a natural person or a business entity registered with the Secretary of State that a consumer has authorized to act on their behalf.

How We Verify Your Identity

If you contact us to exercise your rights, we will ask for information to verify your identity. We request the following details for verification: first name and last name, the email address you used to do business with us (if any), contact telephone number, date of birth, and address of current residence (including city, state, and zip code).

When you use an authorized agent to submit a request, we may require that you provide the authorized agent written permission and verify your own identity directly with us. However, if you have provided the authorized agent with power of attorney pursuant to California Probate Code sections 4000 to 4465, you will not need to follow the above authorization procedure.

Please note that we do not collect information for individuals below 16 years old and will not be able to entertain a request from such an individual.

For More Information

If you have any questions about this California Privacy Notice, or for assistance with accessibility, please contact us at compliance@21stcenturylending.com or by calling (888) 862-1189.