Privacy Policy

Introduction

Inspire Home Loans ("Inspire" or "Company" or "We") respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website inspirehomeloans.com or inspirehomeloansservicing.com (our "Website"), information we may collect through our other business dealings, as well as our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy does not apply to any entities affiliated with Inspire, which entities are subject to a separate privacy policy.

This policy applies to information we collect:

On this Website.
On each state or loan officer specific website.
In email, text, and other electronic messages between you and this Website, or a loan officer specific account and mobile applications.
Via telephone conversations.
Through your purchasing activities with Century Communities and their affiliates.
Through our customer satisfaction surveys.
Through quality control activities.
Through loan servicing activities.
Through prequalification and application forms.
Through third party platforms.

It does not apply to information collected by:

Any third party, including through any application or content (including advertising) that may link to or be accessible from the Website, unless otherwise noted.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is to not use our Website. By accessing or using this Website, you agree to this privacy policy, and our Terms and Conditions of Use of this Website. This policy may change from time to time (see Changes to our Privacy Policy, located near the end of this privacy policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Notice to California Residents

Additional privacy policies, specifically developed and maintained for California residents, are found within this Privacy Policy. The sections within this Privacy Policy relating specifically to California residents is found in the section entitled "Your California Privacy Rights," found below.

Notice to Nevada Residents

Additional privacy policies, specifically developed and maintained for Nevada residents, are found within this Privacy Policy. The sections within this Privacy Policy specifically relating to Nevada residents is found in the section entitled "Your Nevada Privacy Rights," which can be found below.

Children Under the Age of 18

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to, or on, the Website. We do not knowingly collect, sell, share or disclose personal information from children under 18. If you are under 18, do not use or provide any information on this Website, register on the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at Privacy@inspirehomeloans.com.

California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see the section entitled "Your California Privacy Rights," found below, for more information.

Personal Information We Collect About You on this Website and How We Collect It

We collect several types of personal information ("PI") from and about users of our Website, including the following information:

Identifiers - name, postal address, e-mail address, unique personal identifier, IP address, and online identifier;
Personal information categories listed in the California Records statute Cal. Civ. Code § 1798.80(e) - name, address and telephone number;
Internet activity information – browsing history, your interaction with the Website.

We collect this information:

Directly from you when you provide it to us.
Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies and other tracking technologies.
From Century Communities and their affiliates.
From third parties, for example, our website management vendor.

Personal Information We Collect About You Outside of this Website and How We Collect It

We collect several types of personal information separate and apart from this Website - from and about our customers and potential customers, including the following information:

Identifiers - name, postal address, e-mail address, social security number, driver's license number and other government issued identification;
Personal information categories listed in the California Records statute Cal. Civ. Code § 1798.80(e) - name, signature, address, social security number, driver's license or other government issued identification, telephone number, and financial information;
Characteristics of protected classifications under California or federal law – including but not limited to, gender, marital status, past marital status, age and national origin;
Internet activity – IP address, information about your interaction with the Website;
Geolocation data;
Credit reports, and total annual household income, whether you rent or own, whether you are working with a realtor, as well as their name, company, and e-mail, loan type preference, other information necessary to pre-qualify you for a loan;
Financing preferences, such as residence of interest, and new home preferences, such as price range, loan type, occupancy type, when would you like to close on a new home;
Any additional information you provide to us;
Professional or employment-related information – employment information, present employer, type of business, occupation, salary and combined gross income; and
Sensitive personal information – social security number, driver's license number, national origin.

We collect this information:

From you or your agent;
From consumer reporting agencies and /or governmental entities, either directly or through others;
From bank statements, income and business tax information ;
From your purchase agreement;
From third parties, for example, our borrower portal vendor (for IP addresses, geolocation).

Personal information does not include:

Publicly available information from government records.
Deidentified or aggregated consumer information.
Information excluded from the CCPA'sscope, 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 privacylaws, 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.

Length of PI Retention

We retain personal information for as long as needed or permitted in light of the purposes for which it was obtained and consistent with applicable law. The criteria used to determine our retention periods include:

The length of time we have an ongoing relationship with you and provide our products and services to you (for example, for as long as you have an account with us or keep using our products and services);
Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transaction or communications for a certain period of time before we can delete them); and
Whether retention is advisable in light of our legal rights (such as in regard to applicable statutes of limitations, litigation or regulatory investigations).

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, our third-party vendor may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information collected automatically may include personal information. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

Estimate our audience size and usage patterns.
Store information about your preferences, allowing us to customize our Websiteaccording to your individual interests.
Speed up your searches.
Recognize you when you return to our Website.
Identify individual preferences for marketing purposes.

The technologies used for this automatic data collection may include:

Cookies, or browser cookies. A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see the section entitled Choices About How We Use and Disclose Your Information, found below.
Web Beacons. Pages of our the Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see the section entitled Choices About How We Use and Disclose Your Information, found below.

Google Analytics

Our Website uses Google Analytics, a web analytics service provided by Google. Google Analytics uses cookies and similar technologies to collect and store anonymous information about you, which may include the non-personal information described above. You can read information about how Google Analytics may use your data at http://www.google.com/policies/privacy/partners/, Google's Privacy Policy at http://www.google.com/intl/en/policies/privacy/, and Google Analytics Terms of Use at http://www.google.com/analytics/terms/us.html. Our Website may use certain features of Google Analytics, including:

"Demographics and Interest Reporting" to analyze information regarding the interests and demographics of users of the Website. We use such non-personal information in the same manner as we use other non-personal information as described in this Privacy Policy.
"Remarketing with Google Analytics" to place ads on other sites directed to people who have visited the Website.
"Google Display Network Impression Reporting" to report how people's interactions with our ads relate to their visits to the Website.

You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads by changing the ad settings at https://support.google.com/ads/answer/2662856. You also can opt-out from being tracked by Google Analytics in the future by downloading and installing Google Analytics Opt-out Browser Add-on for your current web browser at https://tools.google.com/dlpage/gaoptout/.

Third Party Collection

The following third parties may collect your personal information when you visit our Website:

LoanCare - https://inspirehomeloansservicing.com/pub/index.html#/Privacy
Workday - https://www.workday.com/en-us/privacy.html
ADP - https://www.adp.com/privacy.aspx
Sterling - https://privacy.sterlingcheck.com
Fidelity - https://www.fidelity.com/privacy-policy
UMR - https://www.umr.com/tpa-ap-web/?navDeepDive=publicPrivacyStatement
Voya Financial - https://www.voya.com/privacy-notice
Delta Dental - https://www.deltadental.com/us/en/about-us/privacy-policy.html
EyeMed - https://www.eyemed.com/en-us/online-privacy-policy
Kognitiv: https://kognitiv.com/legal/privacy-policy/
Brown & Brown: https://www.bbrown.com/privacy-policy/ and
https://www.bbinsurance.com/ccpa-privacy-notice/
One Source Virtual: https://www.onesourcevirtual.com/privacy
Alerus: https://alerus.com/about/privacy-legal/
JobVite: https://www.jobvite.com/privacy-policy/
Traliant: https://learn2.traliant.com/privacy-policy/
Salary.com: https://www.salary.com/legal/.
State and Federal Agencies as required by law

Business Purposes for Collection of Your Personal Information

We collect personal information from you for the following business purposes, and use it in the following ways:

To present our Websiteand its contents to you.
To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request additional information or marketing materials, we will use that personal information to respond to your inquiry. If you provide your personal information to prequalify for the purchase a home, we will use that information to assist the in seller determining your credit worthiness. We may also save your information to facilitate a loan application.
To provide you with information, products, or services that you request from us.
To refer you to a home insurance provider.
To detect or prevent criminal activity, fraud, material misrepresentation or nondisclosure;
To conduct sales and marketing analysis.
To determine important factors influencing a customer's financing decision.
For quality control purposes.
To facilitate the closing, servicing, and transfer of your loan.
To assist with improving customer satisfaction.
To fulfill any other purpose for which you provide it.
To notify you about changes to our Websiteor any products or services we offer or provide through it.
In any other way we may describe when you provide the information.
For any other purpose with your consent.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Inspire's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Inspire about our Website users is among the assets transferred.

Inspire 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.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

To our subsidiaries and affiliates.
To our outside marketing consultant.
To escrow/title companies as required for closing.
To other outside contractors, service providers, and third parties we use to support our business.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Inspire's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Inspire about our Websiteusers is among the assets transferred.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce or apply our Terms and Conditions of Use of this Website (Terms Of Use) and other agreements.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Inspire, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Sharing Personal Information

Inspire may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we 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.

We share your personal information with the following categories of third parties:·

Service providers.
Contractors.
Outside marketing consultant.
Sellers and escrow/title companies.
Auditors, regulators, or as required by law.

Business Purposes for Disclosure of Personal Information

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

Identifiers - name, social security number, driver's license number and postal address;
Personal information categories listed in the California Records statute Cal. Civ. Code § 1798.80(e) - name, address, telephone number, and financial information, including lender approvals, referral information and prequalification information;
Characteristics of protected classifications under California or federal law – gender, marital status, past marital status and age;
Commercial information – records of personal property, products or services financed, obtained, or considered, reason for financing;
Professional or employment-related information – employment information, present employer, type of business, occupation, salary and combined gross income.

Business Purposes for Sharing of Your Personal Information

We have shared personal information from you for the following business purposes:

To present our Websiteand its contents to you.
To fulfill or meet the reason you provided the information. For example, if you provide your personal information to finance the purchase a home, we will share that information to assist in the purchase of the home, the approval, closing, servicing and sale of your loan.
To provide you with information, products, or services that you request from us.

To confirm your qualification status with the seller.
To conduct sales and marketing analysis.
To fulfill any other purpose for which you provide it.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by checking the relevant box located on the form on which we collect your data. You can also always opt-out by sending us an email with your request to Privacy@inspirehomeloans.com or going to our website and clicking exercise my rights.
Promotional Offers from the Company. If you do not wish to have your contact information used by the Company to promote our own or third parties' products or services, you can opt-out by checking the relevant box located on the form on which we collect your data or by sending us an email stating your request to Privacy@inspirehomeloans.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt out does not apply to information provided to the Company as a result of a pre-qualification request, loan application, service experience or other transactions.

We do not control third parties' collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights, found below, for more information.

Your California Privacy Rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, see the following portions of this privacy policy.

California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Website 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 an email to Privacy@inspirehomeloans.com or write us at: Inspire Home Loans, Attn: Privacy Officer, 4695 MacArthur Court, Suite 350, Newport Beach, California 92660.

This privacy notice for California residents supplements the information contained in the previous portions of this privacy policy and applies solely to all visitors, users, and others 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), along with any amendments and regulations thereto (including the California Privacy Rights Act (CPRA)), and any terms defined in the CCPA have the same meaning when used in this notice.

Please note: To the extent borrower's personal information collected by Inspire is collected pursuant to a residential loan application, information collected is exempt from the CCPA and CPRA because it is subject to the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA).

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

The following table provides a summary of the categories of personal information collected, specific types of personal information that may be collected, how the personal information is collected and the business reason for such collection.

Category	Examples	How We Collect This	How we use this
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.	We collect this information through your résumé and job application documents. In addition, we may collect this information informally, though communication with HR or other employees of Inspire and our affiliates.	We use this information to know who you are, and to provide important tax information to you as necessary. We may also use information, such as your personal or external email addresses, in order to contact you outside of work if needed.
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.	We collect this information through your résumé and job application documents. Important financial information, such as your bank account number, may also be collected for the purposes of a direct deposit. Medical and health insurance information will also be collected through (a) our Human Resources team or (b) your requests for accommodations, time off, or worker's compensation, as is necessary. In addition, we may collect this information informally, though communication with our Human Resources team or other employees of Inspire and our affiliates.	We use this information to know who you are, and to provide important tax information to you as necessary. We may also use certain information, such as your phone number or address to contact you outside of work, if needed. Financial information, such as your bank account number, will only be used to ensure that you receive payment for your work. Medical and health insurance information will be used in a limited fashion, to respond to your requests for accommodations, time off, or worker's compensation, as is necessary. We may also use your signature to memorialize or indicate your consent on agreements between you and Inspire or our affiliates.
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.	We collect this information through your job application documents and through informal observation by our Human Resources team or communication between you and our Human Resources team. We may also collect certain information, such as information regarding your pregnancy, marital status, medical condition, religion or other protected information from discussions between you and our Human Resources team, as you deem necessary.	Workforce demographic information is used solely to comply with annual EEO-1 reporting obligations. To the extent that we collect information regarding a medical condition or pregnancy, this information will only be used for the purposes of determining and implementing accommodations, as well as the administration of any benefits, as they may occur. To the extent that we collect information about your religion or creed as part of a request for accommodations, we will only use this information for the purposes of making such accommodations. To the extent that you provide any information as to your marital status, this information will only be used for (a) the purposes of providing you with tax documents and (b) for the purposes of an emergency contact to be provided by you.
Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	We may receive information regarding your commercial purposes when you apply for a loan and ask for confirmation of employment.	While we may collect this kind of commercial information incidentally; we only use this information in order to respond to requests to confirm your employment.
Biometric information.	Physiological, behavioral, and biological characteristics.	We may collect certain medical information as it pertains to leave of absence administration, drug and alcohol testing, administration of medical insurance, and/or workers' compensation.	Medical and health information will be used in a limited fashion, for the purposes of drug tests, to respond to your requests for accommodations, time off, or worker's compensation, as is necessary.
Internet or other similar network activity.	Browsing history, search history, information on an employee's interaction with a website, application, or advertisement.	We may collect browsing history, search information, and information about your use of a website through Inspire or Century Communities ("Century")-issued devices, or through devices you are permitted to connect onto a network owned or otherwise provided by Century.	Inspire and Century collect this information to (a) measure productivity; and (b) ensure the security and well-being of devices belonging or connected to its networks. This information may be used to determine a data breach and the source of a data breach.
Geolocation data.	Physical location or movements.	We may collect geolocation data only as it pertains to the use of any mobile devices issued by Inspire or Century, such as tablets.	We collect geolocation data only as it pertains to devices owned by Inspire or Century, in order to ensure the safety and security of our devices, and the data within them.
Professional or employment related information.	Current or past job history or performance evaluations, job title, location and manager.	We compile information about your job history and performance evaluations as part of your work with Inspire. We may also request that you and your supervisors provide performance evaluations about your work.	We collect this information in in order to determine productivity and make compensation decisions or decisions made towards Human Resources purposes. In addition, performance evaluations may guide our actions by suggesting additional trainings needed.
Inferences drawn from other personal information.	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	We may request that you and your supervisors provide performance evaluations about your work. In addition, additional information may be collected by our Human Resources team through discussions with you personally, or by general observation by our Human Resources team or your supervisors.	We collect this information in order to determine productivity and make compensation decisions or decisions made for Human Resources purposes. In addition, performance evaluations may guide our actions by suggesting additional trainings needed.
Family members and Emergency Contacts	Names, addresses and phone numbers of third party individuals with whom you have a relationship, as well as their connection to you.	We request this information through your job application documents, and through additional forms relating to benefits.	We use the information you provide us regarding your family members and emergency contacts to (a) alert them in the event of an emergency or an event where you are in mortal peril; and (b) for the administration of benefits to any named beneficiaries.
Sensitive Personal Information	Social security number, drivers' license number or state identification number; racial or ethnic origin, and personal health information.	We collect this information through your job application documents and through informal observation by our Human Resources team or communication between you and our Human Resources team. We may also collect certain information, such as information regarding your pregnancy, marital status, medical condition, religion or other protected information from discussions between you and our Human Resources team, as you deem necessary.	Workforce demographic information is used solely to comply with annual EEO-1 reporting obligations. To the extent that we collect information regarding a medical condition or pregnancy, this information will only be used for the purposes of determining and implementing accommodations, as well as the administration of any benefits, as they may occur. To the extent that we collect information about your religion or creed as part of a request for accommodations, we will only use this information for the purposes of making such accommodations. We collect geolocation data only as it pertains to devices owned by Inspire or Century, in order to ensure the safety and security of our devices, and the data within them.

We may update this list from time to time in the event that we need to collect new categories of personal information, or need to use your personal information for a reason not specified above. Note that we keep this personal information during the duration of your employment with us, plus an additional seven years post-employment, as required by law.

What information we disclose.

For the most part, your information may be disclosed to third party service providers, such as Workday, ADP and/or Fidelity, which help us simplify and streamline our processes related to your paycheck and your interactions with our Human Resources team. However, to give you a better idea of how and with whom your information may be shared, please see the below:

Category	Examples	Who We Share this With	Why do we share it?
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, or other similar identifiers.	We share this information with our service providers, your fellow employees and third parties, such as benefit providers, training vendors, and banks.	We share this information so that these other parties are able to identify you and provide information specific and unique to you in an easily accessible manner. We may also share this information to employees to improve and foster communication inside and outside of the workplace.
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, address, telephone number, driver's license or state identification card number, insurance policy number, employment, employment history, bank account number, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	We share this information with our service providers, your fellow employees and third parties, such as benefit providers, training vendors, and banks. However, medical information and health insurance information may only be shared with your benefit providers, or, in the event of an emergency, to qualified medical personnel. We do not share any financial information.	We share this information so that these other parties are able to identify you and provide information specific and unique to you in an easily accessible manner. We may also share this information with employees to improve and foster communication inside and outside of the workplace. Medical and health insurance information will be shared in a limited fashion, to respond to issues related to benefits or in the event of an emergency, in order to save your life.
Protected classification characteristics under California or federal law.	Age (40 years or older), national origin, citizenship, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), veteran or military status.	We are required to share this information with the federal government for the purposes of annual EEO-1 reporting obligations. In addition, we may share this information with our service providers, your fellow employees and benefit providers.	Workforce demographic information is shared solely to comply with annual EEO-1 reporting obligations. As part of these obligations, we share this information with the Federal Government. In addition, we may share this kind of information as part of any accommodations that you may request, or the administration of benefits.
Biometric information.	Physiological, behavioral, and biological characteristics.	We may share this information with our service providers, your fellow employees and benefit providers.	We may share your medical and health information as part of any accommodations, time off, worker's compensation, as is necessary, or the administration of benefits. Certain information may only be shared to third party service providers and certain supervisors in connection with the results of any drug tests conducted at the request of Inspire or Century.
Internet or other similar network activity.	Browsing history, search history, information on an employee's interaction with a website, application, or advertisement.	We may share your browsing history with our service providers or your fellow employees.	This information will only be shared with individuals on our IT team and other service providers as necessary to determine (a) the nature of a data breach; (b) the source of a data breach, and (c) the severity of a data breach.
Professional or employment related information.	Current or past job history or performance evaluations.	We may share this information with employees, and third parties such as (a) your future employers, or (b) banks and lenders.	If you happen to leave us, we will generally confirm your employment with Inspire if asked by a potential future employer or will respond for inquiries by a bank regarding any loans you may want to make.
Family members and Emergency Contacts	Names, addresses and phone numbers of third party individuals with whom you have a relationship to, as well as their connection to you.	We may share this information with employees, and third parties, including medical professionals and hospitals.	We share the information you provide us regarding your family members and emergency contacts to ensure that the third party or hospital can (a) alert your contacts in the event of an emergency or an event where you are in mortal peril; and (b) for the administration of benefits to any named beneficiaries.
Sensitive personal information.	Social security number, driver's license number or state identification number; income and wage information, national origin and personal health information.	We are required to share this information with the federal government for the purposes of annual EEO-1 reporting obligations. Medical and health information may only be shared with your benefit providers, or, in the event of an emergency, to qualified medical personnel. In addition, we may share this information with our service providers, your fellow employees and benefit providers.	We share this information so that these other parties are able to identify you and provide information specific and unique to you in an easily accessible manner. Medical and health information will be shared in a limited fashion, to respond to issues related to benefits or in the event of an emergency, in order to save your life. Workforce demographic information is shared solely to comply with annual EEO-1 reporting obligations. As part of this, we share this information with the Federal Government. In addition, we may share this kind of information as part of any accommodations that you may request, or the administration of benefits.

Disclosure of Personal Information We Collect About You.

You have the right to know:

The categories of personal information we have collected about you, including sensitive personal information;
The categories of sources from which the personal information is collected;
Our business or commercial purpose for collecting, selling, or sharing personal information;
The categories of third parties with whom we share personal information, if any; and
The specific pieces of personal information we have collected about you.

Please note that we are not required to:

Retain any personal information about you if, in the ordinary course of business, that information about you is not retained;
Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information; or
Provide the personal information to you more than twice in a 12-month period.

We do not knowingly collect, use, share or disclose personal information from children under the age of 18.

Disclosure of Personal Information Sold, Shared, or Disclosed for a Business Purpose.

In connection with any personal information we may sell, share, or disclose to a third party for a business purpose, you have the right to know:

The categories of personal information about you that we have sold or shared and the categories of third parties to whom the personal information was sold or shared; and
The categories of personal information that we have disclosed about you for a business purpose and the categories of persons to whom the personal information was disclosed for a business purpose.

The chart below summarizes the categories of personal information disclosed, the specific pieces of personal information which may be disclosed, to whom the personal information is disclosed, and the business purpose for such a disclosure.

Category	Examples	Who We Share this With	Why do we share it?
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, or other similar identifiers.	We share this information with our service providers, your fellow employees and third parties, such as benefit providers, training vendors, and banks.	We share this information so that these other parties are able to identify you and provide information specific and unique to you in an easily accessible manner. We may also share this information to employees to improve and foster communication inside and outside of the workplace.
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, address, telephone number, driver's license or state identification card number, insurance policy number, employment, employment history, bank account number, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	We share this information with our service providers, your fellow employees and third parties, such as benefit providers, training vendors, and banks. However, medical information and health insurance information may only be shared with your benefit providers, or, in the event of an emergency, to qualified medical personnel. We do not share any financial information.	We share this information so that these other parties are able to identify you and provide information specific and unique to you in an easily accessible manner. We may also share this information with employees to improve and foster communication inside and outside of the workplace. Medical and health insurance information will be shared in a limited fashion, to respond to issues related to benefits or in the event of an emergency, in order to save your life.
Protected classification characteristics under California or federal law.	Age (40 years or older), national origin, citizenship, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), veteran or military status.	We are required to share this information with the federal government for the purposes of annual EEO-1 reporting obligations. In addition, we may share this information with our service providers, your fellow employees and benefit providers.	Workforce demographic information is shared solely to comply with annual EEO-1 reporting obligations. As part of these obligations, we share this information with the Federal Government. In addition, we may share this kind of information as part of any accommodations that you may request, or the administration of benefits.
Biometric information.	Physiological, behavioral, and biological characteristics.	We may share this information with our service providers, your fellow employees and benefit providers.	We may share your medical and health information as part of any accommodations, time off, worker's compensation, as is necessary, or the administration of benefits. Certain information may only be shared to third party service providers and certain supervisors in connection with the results of any drug tests conducted at the request of Inspire or Century.
Internet or other similar network activity.	Browsing history, search history, information on an employee's interaction with a website, application, or advertisement.	We may share your browsing history with our service providers or your fellow employees.	This information will only be shared with individuals on our IT team and other service providers as necessary to determine (a) the nature of a data breach; (b) the source of a data breach, and (c) the severity of a data breach.
Professional or employment related information.	Current or past job history or performance evaluations.	We may share this information with employees, and third parties such as (a) your future employers, or (b) banks and lenders.	If you happen to leave us, we will generally confirm your employment with Inspire if asked by a potential future employer or will respond for inquiries by a bank regarding any loans you may want to make.
Family members and Emergency Contacts	Names, addresses and phone numbers of third party individuals with whom you have a relationship to, as well as their connection to you.	We may share this information with employees, and third parties, including medical professionals and hospitals.	We share the information you provide us regarding your family members and emergency contacts to ensure that the third party or hospital can (a) alert your contacts in the event of an emergency or an event where you are in mortal peril; and (b) for the administration of benefits to any named beneficiaries.
Sensitive personal information.	Social security number, driver's license number or state identification number; income and wage information, national origin and personal health information.	We are required to share this information with the federal government for the purposes of annual EEO-1 reporting obligations. Medical and health information may only be shared with your benefit providers, or, in the event of an emergency, to qualified medical personnel. In addition, we may share this information with our service providers, your fellow employees and benefit providers.	We share this information so that these other parties are able to identify you and provide information specific and unique to you in an easily accessible manner. Medical and health information will be shared in a limited fashion, to respond to issues related to benefits or in the event of an emergency, in order to save your life. Workforce demographic information is shared solely to comply with annual EEO-1 reporting obligations. As part of this, we share this information with the Federal Government. In addition, we may share this kind of information as part of any accommodations that you may request, or the administration of benefits.

Right to Opt-Out of the Sale or Sharing of Personal Information.

You have the right to opt-out of the sale or sharing of your personal information.

You have the right to direct us to not sell or share your personal information at any time (the "right to opt-out"). To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by visiting the following Internet Web page link:

Do Not Sell or Share My Personal Information

You do not need to create an account with us to exercise your opt-out rights. We will only use personal information provided in an opt-out request to review and comply with the request. Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to personal information sales at any time by e-mailing us at Privacy@inspirehomeloans.com.

Right to Limit Use and Disclosure of Sensitive Personal Information.

You have the right to opt-out of the use and disclosure of your sensitive personal information for anything other than supplying requested goods or services.

You have the right to direct to limit the use and disclosure of your sensitive personal information at any time (the "right to opt-out"). To exercise the right to limit the use and disclosure, you (or your authorized representative) may submit a request to us by visiting the following Internet Web page link:

Limit Use and Disclosure of My Sensitive Personal Information

You do not need to create an account with us to exercise your limit use and disclosure rights. We will only use personal information provided in a limit use request to review and comply with the request.

Please note that Inspire can use sensitive personal information for the following purposes, and you do not have the right to limit the use and disclosure of sensitive personal information being used in the following ways:

To perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services.
To detect security incidents that compromise the availability, authenticity, integrity, and confidentiality of stored or transmitted personal information, provided that the use of the consumer's personal information is reasonably necessary and proportionate for this
To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions, provided that the use of the consumer's personal information is reasonably necessary and proportionate for this purpose.
To ensure the physical safety of natural persons, provided that the use of the consumer's personal information is reasonably necessary and proportionate for this purpose.
For short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of a consumer's current interaction with the business, provided that the personal information is not disclosed to another third party and is not used to build a profile about the consumer or otherwise alter the consumer's experience outside the current interaction with the business.
To perform services on behalf of the business, such as maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the
To verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured by, manufactured for, or controlled by the

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

Delete your personal information from our records;
Direct any service providers or contractors to delete your personal information from their records and
Direct third parties to whom the business has sold or shared your personal information to delete your personal information unless this proves impossible or involves disproportionate effort.

Please note that we may not delete your personal information if it is necessary to:

Complete the transaction for which the personal information was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
Debug to identify and repair errors that impair existing intended functionality;
Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
Comply with the California Electronic Communications Privacy Act;
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 our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
Enable solely internal uses that are reasonably aligned with your expectations based on the your relationship with us;
Comply with an existing legal obligation; or
Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Right to Correction.

You have the right to request correction of inaccurate personal information maintained by us about you. Upon receipt of a verifiable request from you, we will use commercially reasonable efforts to correct the inaccurate personal information.

Protection Against Discrimination.

You have the right to not be discriminated against by us because you exercised any of your rights under the CCPA and CPRA. This means we cannot, among other things:

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

However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information's value and contain written terms that describe the program's material aspects.

How to Exercise Your Rights.

If you would like to exercise any of your rights as described in this Privacy Policy, please do so by one (or more) of the following methods:

Calling us at +1 (888) 914-9661 PIN: 846 453
Visiting inspirehomeloans.com
Completing this consumer request webform
E-mailing us at Privacy@inspirehomeloans.com
Sending mail to us at Inspire Home Loans, Attn: Privacy Officer, 4695 MacArthur Court, Suite 350, Newport Beach, California 92660.

Please note that you may only make a data access or data portability disclosure request twice within a 12-month period.

If you choose to contact us directly, you will need to provide us with:

Enough information to identify you (e.g., your full name, address and customer or matter reference number); and
A description of what right you want to exercise and the information to which your request relates.

We are not obligated to make a data access, correction, deletion or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information or is someone authorized to act on such person's behalf.

Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification. The verification we may request will reflect personal information that you have previously provided to us.

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. These requests are free, though we reserve the right to implement a reasonable fee for excessive or complex requests you may submit. 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.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

Before responding to a request by you, we will ask you to verify your identity using personal information you have previously provided to us, in order to protect your privacy. The manner in which we do so will vary on how you make a request and what is being requested. For example, if you submit an inquiry via email, we will respond with an email requesting verification. Otherwise, we may ask you verbally if you make this request over the phone (or in person). We may not be able to oblige all requests, as we are prohibited from disclosing some information.

In the event that you are using an authorized agent to request a disclosure, correction or the deletion of your information, please note that the agent must be registered with the California Secretary of State, and we may ask you to send us a signed letter, including your name, email, your agent's name, and your agent's email, authorizing your agent. We may then ask you to verify your identity with us by email before responding to a request by your agent. Alternatively, you may directly confirm with us that the agent is authorized to submit the request.

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.

Response Timing and Format

We endeavor to respond to a verifiable consumer request for access, correction or deletion within forty-five (45) days of its receipt, and a verifiable opt-out or limit use request within fifteen (15) days from receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt, or after January 1, 2022 – as directed by you. 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.

Personal Information Sales Opt-Out and Opt-In Rights for Younger Consumers

If you are 16 years of age or older, you have the right to opt-out and direct us to not sell your personal information at any time. We do not sell the personal information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the "right to opt-in") from either the consumer who is between 13 and 16 years of age, or the parent or guardian of a consumer less than 13 years of age. Consumers who opt-in to personal information sales may opt-out of future sales at any time.

Contact Information

If you have any questions or comments about this notice, the ways in which Inspire collects and uses your information described herein, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: +1 (888) 914-9661 PIN: 846 453
Website: www.inspirehomeloans.com
Email: Privacy@inspirehomeloans.com
Postal Address:
Inspire Home Loans
Attn: Privacy Office
4695 MacArthur Court, Suite 350
Newport Beach, California 92660

Your Nevada Privacy Rights and Choices

This privacy notice for Nevada residents supplements the information contained in the previous portions of this privacy policy and applies solely to all visitors, users, and others who reside in the State of Nevada ("consumers" or "you"). We adopt this notice to comply with the Nevada Privacy Law and any terms defined in the Nevada Privacy Law have the same meaning when used in this notice.

Nevada residents have the right to direct us not to sell certain personally identifiable information that we collect about you on our Websites or other online services by emailing us at Privacy@inspirehomeloans.com. Additionally, you may review and request that we change the personally identifiable information that we collect about you on our Online Services by emailing us at Privacy@inspirehomeloans.com.

Our service providers and other third parties may collect personally identifiable information about your online activities over time and across different internet websites or online services when you use our Online Services.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

Inspire reserves the right to amend this privacy notice at our discretion and at any time.

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the privacy policy. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.