CALIFORNIA CONSUMER PRIVACY POLICY FOR CALIFORNIA RESIDENTS

Last Update/Effective Date: January 1, 2023

This California Consumer Notice at Collection and Privacy Policy (“Policy” or “Notice”) supplements and is expressly made part of the information contained in the Privacy Policy of GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION (collectively, “Gold Star”, “We,” “Us,” or “Our”) and applies solely to consumers, visitors, users, and others who reside in the State of California (“Consumers”, “You” or “Your”). We adopt this Policy to comply with the California Consumer Privacy Act
of 2018 and, as amended, the California Privacy Rights Act of 2020 (together, “CPRA”), and other California privacy laws. Any terms defined in the CPRA or its implementing regulations have the same meaning when used in this Policy.

Purpose and Coverage

The purpose of this Policy is to comply with California law and provide You with a comprehensive description of Our online and offline practices regarding collection, use, and disclosure of personal information (“PI”) (as defined in the CPRA) and of Your rights regarding Your personal information.

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 household (“personal information”). In particular, Gold Star has collected the following categories of personal information from Consumers within the last twelve (12) months:

Category	Examples
A. Identifiers	Real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, Social Security number, driver’s license number, passport number, or similar identifiers.
B. California Customer Records Information	Name, signature, Social Security number, address, telephone number, passport number, driver’s license number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, and other financial information.
C. Protected Classifications	Age, race, color, ancestry, national origin, citizenship, religion, marital status, disability, sex/gender, sexual orientation, veteran status, genetic information, and receipt of public assistance.
D. Commercial Information	Records of products or services purchased, obtained, or considered.
E. Biometric Information	Voice recordings as part of call recordings.
F. Internet Activity	Browsing history, search history, and interactions with websites or advertisements.
G. Geolocation Data	Physical location or movements.
H. Sensory Data	Audio, electronic, or similar information.
I. Professional Information	Current or past employment history and evaluations.
J. Education Information	Educational records directly related to a student.
K. Inferences	Profiles reflecting preferences, characteristics, and tendencies related to mortgage loans.
L. Sensitive Personal Information	Social Security number, driver’s license number, or passport number.

Personal information does not include:

Publicly available information from government records.
De-identified or aggregated consumer information.
Information excluded from the CPRA’s scope.

Use of Personal Information

We or our service providers use Your personal information for operational purposes and other notified purposes that are reasonably necessary and proportionate to achieve the purpose for which the information was collected.

Provide products and services.
Respond to inquiries and requests.
Manage accounts and transactions.
Provide support and customer service.
Personalize user experiences.
Provide advertising and marketing services.
Improve products and services.
Comply with legal obligations.
Maintain security and prevent fraud.

Sharing Personal Information

We may disclose Your personal information for business purposes to authorized third parties, affiliates, service providers, contractors, government agencies, and legal entities as required by law and business operations.

Sales of Personal Information

Gold Star does not sell consumer information and has not sold personal information in the preceding twelve (12) months outside of permitted exemptions under applicable law.

Retention of Your Personal Information

We retain Your personal information throughout Our business relationship with You and thereafter only for as long as necessary to fulfill the purposes for which it was collected or as required by law.

Your Rights and Choices

Right to know Your personal information.
Right to delete personal information.
Right to opt-out of sale or sharing of personal information.
Right to non-discriminatory treatment.
Right to request disclosure information.
Right to correct inaccurate personal information.
Right to limit use and disclosure of sensitive personal information.

How to Submit a Request

You may submit a verified request by:

Calling: 833-635-0168
Emailing: privacy@goldstarfinancial.com
Writing to:
Gold Star Mortgage Financial Group, Corporation
Attn: Chief Compliance Officer
2350 Green Rd, Suite 100B
Ann Arbor, Michigan 48105