California Privacy Policy
This notice to California Residents pursuant to the California Consumer Privacy Act and the California Privacy Rights Act supplements the information contained in our Website Privacy Policy and corporate Privacy policies, procedures, and standards, and applies solely to employees, visitors, and other individuals 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”), the California Privacy Rights Act of 2020 effective January 1, 2023 (“CPRA”) and other California privacy laws. Any terms defined in the CCPA and CPRA have the same meaning when used in this notice.

The CPRA and CCPA affords certain rights to you if you are a California resident. For example, California residents may have a right, following a verifiable request, to:

• access—twice in a 12-month period, free of charge—the categories and/or specific pieces of personal information we have collected about you, the categories of sources from which the personal information is collected, the business purpose for collecting the personal information, and the categories of third parties with whom we share personal information, for the 12-month period prior to the request; and
• delete personal information under certain circumstances.

Instructions for Submitting a Verifiable Consumer Request to Know, Delete, or Opt-Out
To request access to your personal information or request that we delete your personal information, you may contact us through any of the following methods:

Via email at [email protected] (please include “California Privacy Request” in the subject line). As an alternative, you can call our hotline at 1 484-889-4393.

Please specify in your request the details of what personal information you would like to access or delete.

To protect your personal information, we will verify your identity using data points you have previously provided to us. Please have this information available so that we can verify your request.

Authorized Agents
You may also authorize an agent to submit a request on your behalf, so long as you provide the authorized agent written permission to request on your behalf, and your authorized agent additionally is able to verify their identity with us. Please have your authorized agent follow the instructions above to make a request, and additionally mail your written declaration authorizing the agent to act on your behalf, certified by a California notary public, to: 2 Ponds Edge Drive, Chadds Ford, PA 19317 If your authorized agent has power of attorney pursuant to Probate Code sections 4000 to 4465, it may not be necessary to perform these steps.

You have a right not to receive discriminatory treatment by the business for the exercise of the privacy rights conferred by the CPRA.

Information We Collect
Top10BestLenders.com LLC (“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 CPRA and CCPA. All Personal Information collected pursuant to this notice that is subject to CPRA and 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 twelve (12) months:

	Category	Examples	Does Company collect this Category of Information	Business Purpose
A.	Identifiers	A real name, IP address, email address, or other similar identifiers.	Yes	To connect you with mortgage service providers
B.	Personal information described in the California Customer Records statute (Cal. Civil 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 financialinformation, medical information, or health insurance information Note : Personal information included in this category (1) does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records, and (2) may overlap with other categories.	Yes	To connect you with mortgage service providers
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)	Yes	To connect you with mortgage service providers
D.	Commercial Information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	Yes	To connect you with mortgage service providers
E.	Biometric Information	Physiological, biological, or behavioral characteristics, including deoxyribonucleic acid (DNA), which can be used, singly or in combination with each other or with other identifying data, to establish individual identity. Includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.	No	N/A
F.	Internet or other electronic network activity information	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement	Yes	To connect you with mortgage service providers
G.	Geolocation data	Physical location or movements	Yes	To connect you with mortgage service providers
H.	Audio, electronic, visual, thermal, olfactory, or similar information	Electronic recording of customer or prospective customer calls.	Yes	To connect you with mortgage service providers
I.	Professional or employment-related information	Current and prior job and salary history or performance evaluations.	No	N/A
J.	Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g; 34 CFR 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.	No	N/A
K.	Inferences drawn from any other category of personal information	Deriving information, data, assumptions, or conclusions from facts, evidence, or another source of information or data to create a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	No	N/A

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

• To fulfill or meet the reason you provided the information.
• To provide you with support and respond to your inquiries, including to investigate your concerns and monitor and improve our responses.
• To respond to law enforcement requests and as required by applicable law, court order, or government regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA and CPRA.
• 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.

Your Rights and Choices
The CCPA and CPRA provide California residents with specific rights regarding their personal information. This section describes your CCPA and CRPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal and sensitive information unless responding to the request is impossible or involves disproportionate effort. Once we receive and confirm your verifiable request, we will disclose to you:

• The categories of personal information and sensitive information we collected about you.
• The categories of sources for the personal and sensitive information we collected about you.
  Our business or commercial purpose for collecting, using and/or disclosing that information.
• The categories of third parties, contractors and service providers with whom we share, sell or disclose that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we disclosed your personal information for a business purpose, a list of those disclosures, identifying the personal information categories that each category of recipient obtained.
• Whether your information is sold or shared.
• The retention period or criteria used for retention.

Deletion Request Rights
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 request, we will 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:

• 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.
• Help to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for those purposes.
• Debug products to identify and repair errors that impair existing intended functionality.
• Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
• 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.
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.

Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, described above, please download and complete a request form and send it to [email protected]. Please include the information listed on the form to confirm your identity. As an alternative, you can call 484-889-4393. Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable request related to your personal information.

You may also make a verifiable request on behalf of your minor child.You may only make a verifiable request for access or data portability twice within a 12-month period. The verifiable request must:

• Provide enough information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• 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. We will only use personal information provided in a verifiable request to confirm the requestor’s identity or authority to make the request.

Response Timing and Format
We endeavor to respond to a verifiable request within forty-five (45) days of its receipt. If we require more time, we will inform you of the reason and extension period in writing. 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 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, specifically by electronic mail communication.

We do not charge a fee to process or respond to your verifiable 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.

Personal Information Sales and Sharing Opt-Out
You have the right to opt-out of the sale and sharing of personal information by us with third parties, except our sharing with other licensed financial companies with whom we have a joint marketing agreement that protects your sensitive personal information. You can do so via by contacting us by email at [email protected]. These requests will be honored for 12 months at which time the Company may ask to authorize personal information sales at that time.

Non-Discrimination
We will not discriminate against you for exercising any of your CCPA or CPRA rights. Unless permitted by the CCPA or CPRA, we will not:

• Deny you services.
• Provide you a different level of service.
• Discriminate in making employment decisions.

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits employees that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send us an electronic message via [email protected].

Changes To Notice
The Company may make changes to this Notice. Notification of changes will be posted on this page. You should review this Notice periodically to keep up to date on our most current policies and practices.

Date Of Last Update:
January 2023

Questions And Contact Information

If you have questions regarding this Notice, please contact the Company at [email protected].