Effective Date: 04/14/2020
Under CCPA, California residents have the right to know about information collected disclosed or sold, the right to opt out of the sale of certain information, and a limited right to have businesses delete information a business has collected about the consumer. These rights extend only to California residents and information covered by CCPA. Because CCPA does not cover all consumer data in all situations, only certain consumer data subject to these rights.
Other laws may govern data we gather about you or you provide to us including, but not limited to:
1. INFORMATION WE COLLECT
PSI Lending (“Company” or “we”) collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“Personal Information”). As described above, not all of the Personal Information collected below is subject to CCPA. All Personal Information collected pursuant to this notice that is subject to CCPA is collected for a Business Purpose and may be shared with service providers if necessary to perform a Business Purpose. We may have collected the following categories of personal information from consumers within the last 12 months:
B. Personal information (categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)))
C. Protected classification characteristics under California or federal law
D. Commercial information
E. Biometric information
F. Internet or other similar network activity
G. Geolocation data
H. Sensory data
I. Professional or employment-related information
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))
K. Inferences drawn from other personal information
* Related services may include, but are not limited to real estate services, insurance, escrow and other closing services, notary, appraisal, other consumer credit services, home warranty, and other services related to home purchase, home ownership, or related consumer transactions.
** While we do not sell your data, we may share that data with our joint marketing partners which include credit card companies, financial services providers, realtors, builders and other residential real estate companies. This sharing is done pursuant to federal law and is exempt from the California state requirements under CCPA.
Except as provided above, the Company has not disclosed or sold any personal information to third parties for a business or commercial purpose in the preceding 12 months. The Company has not sold the Personal Information of minors under 16 years of age without affirmative authorization.
2. RIGHTS UNDER CCPA
3. RIGHT TO NON-DISCRIMINATION FOR THE EXERCISE OF A CONSUMER'S PRIVACY RIGHTS
Under CCPA, you have the right not to receive discriminatory treatment by the Company for the exercise of the privacy rights conferred by the CCPA.
4. INSTRUCTIONS FOR SUBMITTING A VERIFIABLE CONSUMER REQUEST TO KNOW, DELETE, OR OPT-OUT
For a request to be acknowledged, you must email us at firstname.lastname@example.org. After submitting a request, we will verify your identity by matching the identifying information provided by you to the personal information already maintained by us, or, in cases where your request requires a higher degree of certainty, we may use a third-party identity verification service or ask for a photo ID or for more information. Any information you provide us that is not already in our system will be deleted after your request has been fulfilled.
5. AUTHORIZED AGENTS
You may use an authorized agent to submit a request to know or a request to delete. If you use an authorized agent to submit a request to know or a request to delete, you must provide the Company with written permission from you giving the authorized agent permission to submit the request on your behalf, and you may be required to verify the authorized agent’s identity with the Company. The Company may deny a request from an agent that does not submit proof that they have been authorized by the consumer to act on their behalf.
6. ADDITIONAL INFORMATION
PSI Lending, Inc
2625 Green Valley Pkwy
Henderson, NV 89014