Terms of Services

California Residents:

In accordance with California law, we will not share information we collect about you with companies outside of our corporation, except as permitted by law, including, for example, with your consent or to service your loan.  We will limit sharing among our corporation to the extend required by California law.

CCPA PRIVACY NOTICE

This CCPA PRIVACY NOTICE is for California residents only and  supplements the information contained in the Privacy Statement of _CITY LENDING_  and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, client’s, 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 other California privacy laws.  Any terms defined in the CCPA have the same meaning when used in this notice. 

Information We Collect

We collect 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”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

CategoryExamples
A. Identifiers.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.
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).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.
C. 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, genetic information (including familial genetic information).
D. Commercial information.Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
E. Biometric information.Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
F. Internet or other similar network activity.Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.
G. Geolocation data.Physical location or movements.
H. Sensory data.Audio, electronic, visual, thermal, olfactory, or similar information.
I. Professional or employment-related information.Current or past job history or performance evaluations.
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)).Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
K. Inferences drawn from other personal information.Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Personal information does not include:

  1. Publicly available information from federal, state or local government records. 
  2. De-identified or aggregated consumer information. 
  3. Information excluded from the CCPA's scope, such as personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994. 

We obtain the categories of personal information listed above from the following categories of sources: 

  1. Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services that we are asked to perform. 
  2. Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them. 
  3. Directly and indirectly from activity on our website www.citylendinginc.com. For example, from submissions through our website portal or website usage details collected automatically. 
  4. From third-parties that interact with us in connection with the services we perform. For example, credit reporting agencies, appraisers and other service providers. 

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes: 

  1. To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to prepare a rate quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. 
  2. To provide, support, personalize and develop our Website, products and services. 
  3. To provide you with information, products or services that you request from us. 
  4. To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you. 
  5. To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections. 
  6. For testing, research, analysis and product development. 
  7. As necessary or appropriate to protect the rights, property or safety of us, our clients or others. 
  8. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. 
  9. As described to you when collecting your personal information or as otherwise set forth in the CCPA. 
  10. To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred. 
  11. To respond to audits or state or federal examinations by our regulators. 

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. 

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose.  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. 

We disclose your personal information for a business purpose to the following categories of third parties: 

  1. Our affiliates. 
  2. Service providers. 
  3. Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. 

In the preceding twelve (12) months, we have not sold any personal information and we have no intention of doing so in the future. 

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights. 

Access to Specific Information and Data Portability 

Unless your personal information is excluded from the scope of the CCPA, 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: 

 

  1. The categories of personal information we collected about you. 
  2. The categories of sources for the personal information we collected about you. 
  3. Our business or commercial purpose for collecting or selling that personal information. 
  4. The categories of third parties with whom we share that personal information. 
  5. The specific pieces of personal information we collected about you (also called a data portability request). 
  6. If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:  
  7. sales, identifying the personal information categories that each category of recipient purchased; and 
  8. disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained. 

Deletion Request Rights  

Unless your personal information is excluded from the scope of the CCPA, 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 providers to: 

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you. 
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities. 
  3. Debug products to identify and repair errors that impair existing intended functionality. 
  4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law. 
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.). 
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent. 
  7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us. 
  8. Comply with a legal obligation. 
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it. 

Exercising Access, Data Portability, and Deletion Rights 

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either: 

  • Calling us at 877-204-8191 

Only you or a person registered with the California Secretary of State that you authorize 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: 

  1. Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative. 
  2. Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. 

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.  Our practices with regard to verifying a request will vary depending on the request and the information we have on the person making the request. 

Response Timing and Format 

We endeavor to respond to a verifiable consumer request within 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.  If you have an account with us, we will deliver our written response to that account.  If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.  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.          

Non-personally Identifiable Information

We may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name, the date and time you access the Site, your length of stay on the Site, the pages that you visit on the Site, the Web site address, if any, from which you linked directly to the Site, the Web site address, if any, to which you travel from the Site, and other similar traffic information. We do not use such data in any way to create or maintain a personal profile of you or to collect personally identifiable information from you. We use this non-personally identifiable information to help us improve the Site and the services we provide through it. We may do this by aggregating your non-personally identifiable information with similar information collected from other users.

Non-personally Identifiable Information

We may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name, the date and time you access the Site, your length of stay on the Site, the pages that you visit on the Site, the Web site address, if any, from which you linked directly to the Site, the Web site address, if any, to which you travel from the Site, and other similar traffic information. We do not use such data in any way to create or maintain a personal profile of you or to collect personally identifiable information from you. We use this non-personally identifiable information to help us improve the Site and the services we provide through it. We may do this by aggregating your non-personally identifiable information with similar information collected from other users.

Our Use of Information We Collect

Generally, we do not disclose personally identifiable information that we collect through your use of the Site to unaffiliated third parties without your consent. However, we reserve the right to provide such information to our employees, contractors, agents, and designees to the extent necessary to enable them to perform certain Site-related services on our behalf. We also reserve the right to disclose such information to any third party if we believe that we are required to do so for any of all of the following reasons: (i) by law; (ii) to comply with legal processes or governmental requests; (iii) to prevent, investigate, detect, or prosecute criminal offenses or attacks on the technical integrity of the Site or our network; or (iv) to protect the rights, property, or safety of City Lending and its employees, users of the Site, or the public. Third parties may use cookies, web beacons, and similar technologies to collect or receive information from our website and elsewhere on the Internet and use that information to provide measurement services and target ads. You can opt-out of the collection and use of information for ad targeting by visiting  www.aboutads.info/choices. City Lending reserves the right to transfer any and all information we collect from users, or that we otherwise collect in connection with the Site, including, without limitation, to unaffiliated third parties, in the event of a sale or transfer of assets or portion of our business.

Security

City Lending employs reasonable physical, managerial, and technical measures designed to improve the integrity and security of the Site and the personal information you transmit to us and that we store on our systems. Unfortunately, no such measure is foolproof, or immune to being cracked or compromised, whether by intentional hacking or human error. For that reason, we do not guarantee the absolute security of our servers, the means by which information is transmitted between your computer and our servers, or any information provided to us or to any third party through or in connection with the Site.

Confidentiality

Your personal information such as credit cards details, bank account numbers is well kept secret and confidential with us. We will never share any of your personal details to any third party. Our sites do apply appropriate security application in order to keep all the customer’s information safe at all time.

MARKETING SERVICES

From time to time, your name and address might be disclosed for mailing lists in connection with the promotion of City Lending Inc’s products and Services and other legitimate business activities. If you wish to remove your name from such lists or limit the use of your name and address at any time, please contact us at info@citylendinginc.com, or by telephone at (703) 239-7700. Your opt-out preferences apply to marketing communications only and we may still send you important Service-related messages as a User of the Service. You may not opt out of these Service-related and transactional communications.

Links to Other Web Sites

This Site may contain links to external Web sites owned by third parties. Any information you disclose on those sites is not subject to this Privacy Policy. You should consult the privacy policies of each Web site you visit. We are not responsible for the privacy practices of others.

Children Under 13

This Site is not directed to children under thirteen years of age, and we do not knowingly collect personally identifiable information from such children. If you are younger than thirteen, please do not provide any personally identifiable information while using the Site.

Changes to Privacy Policy

We reserve the right to update, revise or otherwise change this Privacy Policy at any time and any changes to the Privacy Policy will be effective upon posting. Your use of the Site constitutes your acceptance of the currently posted Privacy Policy, and you should therefore review this Privacy Policy regularly to ensure that you are aware of its terms.

Contact Us; Opt-Out

If you have any questions about this Privacy Policy or our collection and use of your personally identifiable information, please contact us at  compliance@citylendinginc.com.

If and when you receive marketing materials from us by email, you may make use of the “unsubscribe” provision in such email to let us know that you no longer wish to receive future marketing emails from us.

Texas Consumer Complaint and Recovery Fund Notice

In Texas – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM.