Effective Date: July 15, 2025
Last Updated: July 15, 2025
Clear Oak Mortgage (“we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website clearoakhomeloans.com or interact with us in the course of obtaining mortgage-related services.
This Policy complies with all applicable U.S. privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA).
1.
Contact Information
If you have questions or requests regarding this Privacy Policy or your personal information, you may contact us at:
📧 Email: info@clearoakhomeloans.com
📞 Phone: 800-317-4840
2.
Information We Collect
We collect the following categories of personal information, either directly from you or automatically through your use of our services:
a.
Identifiers
- Full name, email address, mailing address, phone number
- Social Security Number, date of birth
- Driver’s license or state-issued ID
- IP address or device identifiers
b.
Financial and Commercial Information
- Income, employment status, credit score
- Loan amount, property value, purchase/refinance history
c.
Internet Activity
- Browser type, device type, operating system
- Pages visited, time spent on site, cookies and tracking pixels
d.
Sensitive Personal Information (as defined by CPRA)
- Social Security Number
- Government-issued ID
- Financial account numbers
We do not knowingly collect or process personal information from children under the age of 13.
3.
How We Use Your Information
We use your information to:
- Provide mortgage-related services, including prequalification, application processing, and refinancing
- Communicate with you about your account or inquiries
- Comply with legal obligations and credit reporting requirements
- Improve and secure our website and services
- Conduct audits, analytics, and service improvements
We do not sell your personal information.
4.
Disclosure of Personal Information
We may disclose your personal information to the following categories of third parties:
- Service Providers (e.g., credit bureaus, underwriting software vendors)
- Government Agencies or Regulators as required by law
- Affiliate Financial Institutions only for loan-related transactions
- Marketing Partners with your express consent
We do not share your sensitive personal information for cross-context behavioral advertising.
5.
Cookies and Tracking Technologies
We use cookies, web beacons, and similar technologies to improve website functionality and personalize user experience. You may manage your cookie preferences through your browser settings. Do Not Track (DNT) signals are not honored at this time.
6.
Your Privacy Rights (California Residents)
If you reside in California, you have the following rights under the CCPA/CPRA:
a.
Right to Know
You may request disclosure of:
- Categories and specific pieces of personal information we collected
- Sources of information
- Business or commercial purpose for collection
- Categories of third parties we disclosed information to
b.
Right to Delete
You may request that we delete your personal information, subject to certain exceptions.
c.
Right to Correct
You may request corrections to inaccurate personal information we maintain.
d.
Right to Opt-Out of Sale/Sharing
We do not sell or share your personal information for cross-context behavioral advertising.
e.
Right to Limit Use of Sensitive Information
We only use your sensitive personal information for necessary business purposes such as identity verification and loan qualification.
f.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your privacy rights.
7.
Submitting a Request
To exercise your rights under California law:
- Email us at info@clearoakhomeloans.com
- Call us toll-free at 800-317-4840
We may request identity verification before processing your request. You may also authorize an agent to submit a request on your behalf.
8.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required by law (e.g., mortgage recordkeeping requirements).
9.
Data Security
We implement industry-standard security measures to protect your information from unauthorized access, use, or disclosure. However, no electronic transmission or storage can be guaranteed to be 100% secure.
10.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in laws or our business practices. The updated policy will be posted on this page with the new effective date.
Thank you for trusting Clear Oak Mortgage. We are committed to protecting your privacy while helping you achieve your homeownership goals.