WHAT DOES MORTGAGE RESEARCH CENTER, LLC DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|How?||All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons Mortgage Research Center, LLC chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Mortgage Research Center, LLC share?||Can you limit this sharing?|
|For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||Yes||No|
|For our marketing purposes - to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||No||We Don't Share|
|For our affiliates' everyday business purposes - information about your transactions and experiences||Yes||No|
|For our affiliates' everyday business purposes - information about your creditworthiness||No||We Don't Share|
|For our affiliates to market to you||No||We Don't Share|
|For nonaffiliates to market to you||No||We Don't Share|
|Questions?||Call 1-855-857-3936 or visit MortgageResearchCenter.org/privacy|
|Who we are|
|Who is providing this notice?||Mortgage Research Center, LLC|
|What we do|
|How does Mortgage Research Center, LLC protect my personal information?||
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
|How does Mortgage Research Center, LLC collect my personal information?||
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
|Why can't I limit all sharing?||
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
|What happens when I limit sharing for an account I hold jointly with someone else?||
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|Other important information|
Vermont Residents – Except as permitted by law, we will not share information we collect about you with nonaffiliates or affiliates.
California Residents – Except as permitted by law, we will not share information we collect about you with nonaffiliates or joint marketing partners while you are a resident of California.
Nevada Residents – Call 1-855-857-3933 to be placed on our Do-Not-Call list. For more information, mail Mortgage Research Center, LLC Call Center, 1400 Forum Blvd., Columbia, MO 65203 or email email@example.com. You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101, call 702-486-3132, or email firstname.lastname@example.org. This notice is provided pursuant to state law.
Mortgage Research Center, LLC ("MRC", "Company", or "We") respects your privacy, and we recognize the importance of keeping your information secure. Below, you will find details about our privacy policies and how your information is used.
This policy describes the types of information we may collect from you or that you may provide when you visit this website (our "Website") and our practices for collecting, using, maintaining, protecting, and disclosing that information.This policy applies to information we collect:
California Residents click here to download a PDF copy of the California Consumer Privacy Act Notice
Last Updated: 01/01/2023
This Privacy Notice for California Residents supplements the information contained in Mortgage Research Center, LLC's Online Privacy Notice ( https://www.mortgageresearchcenter.org/privacy/) and applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Notice.
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device ("personal information"). Personal information does not include:
We do not sell the personal information, or the sensitive personal information we collect. We do not share the personal information, or sensitive personal information, that we collect with third parties for cross-context behavioral advertising.
In particular, we collect the following categories of personal information and sensitive personal information listed in the tables below. The tables also list, for each category, our use purposes, and whether we sell the information or share it with third parties for cross-context behavioral advertising.
We store your personal information for different lengths of time depending on the category of personal information and the purpose for its collection and use. We will retain your data for as long as needed, or permitted, based on the reason why we obtained it. We will not retain personal information for longer than is reasonable necessary for any disclosed purposes. This means we may retain your personal information even after you close your account with us. Some information may be deleted automatically based on specific schedules, such as financial information. Other information (e.g., account information), may be retained for a longer period of time. Finally, we may further retain information for business practices based on our legitimate business interests or legal purposes, such as network improvement, fraud prevention, record-keeping, or enforcing our legal rights or defending legal claims.
When deciding how long to keep your information, we consider criteria, such as:
Rather than delete your data, we may de-identify it by removing identifying details.
|Personal Information Category||Business Purpose||Sold or Shared|
A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.
|Performing services, providing financial and customer service; providing online products and services; for marketing and advertising purposes; providing customer service; protection against fraud.[||No|
|California Customer Records personal information:
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
Some personal information included in this category may overlap with other categories.
|Protecting against fraud and providing financial services.||No.|
Protected classification characteristics under California or federal law:
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status
|Performing services and complying with state and federal law.||No|
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
|Providing online products and services; for marketing and advertising purposes; providing customer service.||No|
|Internet or other similar network activity:
Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.
|Providing online products and services; for marketing and advertising purposes.||No|
Physical location or movements.
|Detecting security incidents or fraud; debugging mobile application.||No|
|Professional or employment-related information:
Current or past job history or performance evaluations.
|Providing financial services.||No|
|Inferences drawn from other personal information:
Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
|Providing financial and customer service; for marketing and advertising purposes.||No|
|Sensitive Personal Information Category||Business Purpose||Sold or Shared|
|Government identifiers (social security, driver's license, state identification card, or passport number)||Performing services, providing financial and customer service; providing online products and services; for marketing and advertising purposes; providing customer service; protection against fraud.||No.|
|Complete account access credentials (user names, account numbers, or card numbers combined with required access/security code or password)||Providing online products and services; providing customer service.[||No.|
|Racial or ethnic origin||Performing services and complying with state and federal law.||No.|
We obtain the categories of personal information listed above from the following categories of sources:
We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we may receive information about you from other online or offline sources, including third parties from whom we validate consumer self-reported information, and verify information we already have about you. This helps us to update, expand and analyze our records and provide products and services that may be of interest to you.
We may use or disclose the personal information we collect for one or more of the following purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We may use or disclose the sensitive personal information we collect for one or more of the following purposes, provided that the use of your sensitive personal information is reasonably necessary and proportionate for this purpose:
We will not collect additional categories of sensitive personal information or use the sensitive personal information we have collected for materially different, unrelated, or incompatible purposes without providing you notice.
We may disclose your personal information to a service provider or contractor for a business purpose, subject to your right to opt-out of those. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract or as otherwise permitted by you. The CCPA prohibits third parties who purchase the personal information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.
We disclose your personal information with the following:
In the preceding twelve (12) months, Mortgage Research Center, LLC has not sold personal information.
The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
California residents who are employees, job applicants, or former employees of Mortgage Research Center, LLC click here to view our CCPA Notice for Employment Purposes
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
Information we collect or share in our role as a financial institution may not be included in your Right to Know response.
If you request that we disclose the required information beyond the 12-month period, then we shall provide that information unless doing so proves impossible or would require a disproportionate effort. Your right to request required information beyond the 12-month period, and our obligation to provide that information, only applies to personal information collected on or after January 1, 2022.
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
We do not provide these deletion rights for B2B personal information.
You have the right to request that we correct any inaccurate personal information that we maintain about you. Once we receive and confirm your verifiable consumer request, we will use commercially reasonable efforts to correct the inaccurate personal information as directed by you. In responding to your request, we will take into account the nature of the personal information, and the purposes of the processing of the personal information.
To exercise the access, data portability, correction, and deletion rights described above, please submit a verifiable consumer request to us by either:
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us.
We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
We will deliver our written response by email to the primary email address that you submit with your request.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice's effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
If you have any questions or comments about this notice, the ways in which Mortgage Research Center, LLC collects and uses your information described below and in our Privacy Policies, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Mortgage Research Center, LLC
Attn: MRC Customer Service
1400 Forum Blvd.
Columbia, MO 65203
Effective Date: January 1, 2023