Condition Confidentiality Notice having Residents of Ca, Colorado, Connecticut, Montana, Oregon, Colorado, Utah, and you will Virginia

This Confidentiality Observe Getting Customers Of Ca, Colorado, CONNECTICUT, MONTANA, OREGON, Tx, UTAH, and you can VIRGINIA (“Notice”) pills all the info part of the Privacy of Government Mortgage Financial Agency (“Freddie Mac computer,” “i,” “united states,” otherwise “our”) and can be applied only to people whoever has consumer confidentiality rights within the after the laws (“consumers” otherwise “you”): this new California User Confidentiality Act off 2018, as the amended by the Ca Confidentiality Liberties Work (together “CCPA”), the brand new Tx Privacy Operate (“CPA”), the fresh Connecticut Investigation Confidentiality Operate (“CTDPA”), brand new Montana User Study Privacy Act (“MTCDPA”), the newest Oregon Consumer Data Privacy Work (“OCDPA”), this new Colorado Investigation Confidentiality and Coverage Operate (“TDPSA”), the loans in Dodge City Utah User Privacy Work (“UCPA”) together with Virginia User Analysis Coverage Work (“VCDPA”).

Concept of Personal data

We assemble certain “information that is personal” out of people. To possess purposes of so it find, private information was information you to identifies, identifies, describes, is fairly able to be associated with, otherwise you’ll relatively become linked, really or ultimately, having a specific user otherwise house.

“Sensitive personal information” was a subcategory regarding information that is personal. It includes guidance one shows a customer’s racial or ethnic supply, faith, rational otherwise future health history or status, sex life otherwise sexual direction, citizenship, or immigration standing, genetic or biometric study used to pick an individual, perfect geolocation research, and you may research of a child. Freddie Mac simply processes sensitive personal data out-of users as the enabled by the state legislation.

What Personal data I Gather

Most of the non-public guidance you to definitely Freddie Mac computer collects and processes is actually excused off county law requirements. Such, personal data that people gather to the purchasing and you will securitizing home-based mortgage loans away from creditors isn’t susceptible to new legal rights described contained in this find. The personal information we assemble and you may processes not at the mercy of an enthusiastic exclusion try listed in the brand new table lower than. As you feedback the fresh new dining table please note:

Particular personal data included in that group get overlap with other classes.
We do not consciously sell otherwise display the private information out-of customers less than 16 yrs . old.

Kinds of Offer

on the people of which i get or envision purchasing loans (all of our “customers”) otherwise their agencies, from your mortgage upkeep representatives and you will from our services when you look at the contact with the purchase and you will securitization away from financing and resecuritization and you may sales of such bonds.
from our Merchant/Servicers or other agencies you to sell otherwise attempt to offer you mortgage loans or to have united states securitize its mortgages.
out-of credit bureaus or other suppliers who promote credit or any other records details about people having borrowing and due diligence objectives.
away from you after you render they so you can us (elizabeth.g., in which you call us via current email address or phone, or of the any function) and you may out of your craft on the our website (such as, regarding articles through our very own webpages sites otherwise regarding immediately compiled site use details).
from individuals and you may financing people.
from businesses out-of exactly who we become goods and services.

The way we Fool around with Personal information

To fulfill a demand otherwise satisfy the cause of that data is provided. Such, in the event that a large financial company provides united states which have information that is personal manageable for all of us to take on purchasing that loan, i explore that advice to evaluate the loan and, if we order it, so you can services it and you can securitize it.
To the points pertaining to to find mortgages, securitizing them, and you will attempting to sell new securities (our additional ple, we have fun with personal information to check financing that people are planning on to acquire otherwise guaranteeing and display this new performance regarding money one to i own or make certain. As the a unique analogy, we use this recommendations to test the worth of functions collateralizing this type of fund and to assume default.