Gold Star Mortgage

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:

Category	Examples	Collected
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.	Yes
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.	Yes
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
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	No
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.	No
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.	Yes
G. Geolocation data.	Physical location or movements.	No
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	No
I. Professional or employment-related information.	Current or past job history or performance evaluations.	Yes
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.	No
K. Inferences drawn from other personal information.	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	No

Personal Information Does Not Include

Publicly available information from government records.
De-identified or aggregated consumer information.
Information excluded from the CPRA's scope, like health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.
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.

Sources of Personal Information

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

Directly from Our Consumers or their agents. For example, from documents that Our Consumers provide to Us related to the services for which they engage Us.
Indirectly from Our Consumers or their agents. For example, through information We collect from Our Consumers in the course of providing services to them.
Directly and indirectly from activity on Our website (www.goldstarfinancial.com). For example, from submissions through Our website application portal or website usage details collected automatically.
From third parties that interact with Us in connection with the services We perform. For example, from government agencies when We underwrite, close or fund a mortgage loan.

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 for which the information is provided. For example, if You provide Us with personal information in order for Us to evaluate creditworthiness or process, underwrite or close a mortgage loan, We will use that information accordingly.
To provide You with information, products or services that You request from us.
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.
To carry out Our obligations and enforce Our rights arising from any contracts entered into between You and Us, including for billing and loan payments.
To improve Our website and present its contents to You.
For testing, research, analysis and product development.
As necessary or appropriate to protect the rights, property or safety of Us, Our clients or others.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
To report to government agencies as required by law or regulation.
As described to You when collecting your personal information or as otherwise set forth in the CPRA.
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.

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 typically 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.

In the preceding twelve (12) months, We have disclosed the following categories of personal information for a business purpose:

Category A: Identifiers
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category I: Professional or employment-related information.

We disclose your personal information for a business purpose to the following categories of third parties: Our affiliates; service providers; and 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 for marketing purposes or any other purpose. While Gold Star does not have any future plans to sell personal information, Gold Star respects and understands that You may still want to ensure your personal information is not sold. Accordingly, if You would like to proceed with your “Do Not Sell My Personal Information” request, We ask that You click the “Do Not Sell My Personal Information” link on Gold Star’s website and provide the information requested.

Your Rights and Choices

The CPRA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CPRA 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 information over the past 12 months. Once We receive and confirm your verifiable consumer request, We will disclose to you:

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

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 consumer request, We will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

When We May Deny a Deletion Request

We may deny your deletion request if retaining the information is necessary for Us or Our service providers 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.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
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.
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

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 provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative, and describe your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it.

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

Calling Us at 833-635-0168
Emailing Us at privacy@goldstarfinancial.com

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-Discrimination

We will not discriminate against You for exercising any of your CPRA rights. Unless permitted by the CPRA, We will not:

Deny You goods or services;
Charge You different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
Provide you a different level or quality of goods or services.
Suggest that You may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We reserve the right to amend this Privacy Policy at Our discretion and at any time. When We make changes to this Privacy Policy, We will notify You by email or through a notice on our website homepage. Your continued use of Our website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If You have any questions or comments about this Policy, our Privacy Statement, the ways in which We collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact Us at:

privacy@goldstarfinancial.com

833-635-0168

GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONAttn: Consumer Response Dept.100 Phoenix Drive, Suite 300Ann Arbor, Michigan 48108