This Confidentiality Find To have Customers Away from Ca, Tx, CONNECTICUT, MONTANA, OREGON, Texas, UTAH, and you may VIRGINIA (“Notice”) medications what included in the Privacy of your own Government Financial Financial Business (“Freddie Mac computer,” “we,” “all of us,” otherwise “our”) and you can can be applied entirely to those anyone who has user privacy legal rights under the adopting the legislation (“consumers” otherwise “you”): this new Ca User Privacy Act from 2018, given that amended of the California Confidentiality Liberties Work (to each other “CCPA”), the Tx Privacy Act (“CPA”), the Connecticut Studies Privacy Work (“CTDPA”), the Montana User Analysis Privacy Operate (“MTCDPA”), the latest Oregon Individual Data Privacy Act (“OCDPA”), new Tx Research Confidentiality and you may Defense Operate (“TDPSA”), new Utah User Privacy Operate (“UCPA”) therefore the Virginia User Analysis Coverage Act (“VCDPA”).

Definition of Information that is personal

I collect specific “personal data” regarding users. Getting reason for which notice, personal data is actually information that refers to, relates to, refers to, is fairly able to be in the, otherwise you certainly will relatively be connected, truly otherwise indirectly, that have a specific user otherwise family.

“Painful and sensitive personal data” try a beneficial subcategory out of personal data. It gives pointers that shows a customer’s racial or cultural resource, religious beliefs, rational or health records or position, sex lifetime otherwise sexual positioning, citizenship, or immigration status, hereditary or biometric studies always identify just one, right geolocation data, and study off a child. Freddie Mac merely process sensitive information that is personal out of consumers just like the let because of the county rules.

Just what Private information I Assemble

The majority of the private recommendations one Freddie Mac computer accumulates and operations try exempt out of county laws requirements. Such as for example, information that is personal that people collect in connection with to acquire and you may securitizing residential mortgages away from creditors isn’t subject to the fresh liberties discussed in this notice. The private suggestions i gather and you can techniques maybe not at the mercy of a keen exemption are listed in the desk less than. As you feedback the fresh desk please be aware:

• Certain information that is personal included in one classification will get overlap with other kinds.
• We really do not knowingly offer otherwise express the personal suggestions out of customers not as much as sixteen yrs . old.

Kinds of Offer

• about businesses at which we purchase otherwise consider to get financing (our “customers”) otherwise the representatives, from your mortgage repair representatives and you may from your providers inside experience of the acquisition and you can securitization regarding fund and the resecuritization and you will sale of these securities.
• from your Seller/Servicers or other agencies one to promote otherwise attempt to sell united states mortgages or even to has actually united states securitize its mortgages.
• regarding credit agencies or any other dealers who render borrowing from the bank or other background details about some body to own borrowing and due diligence aim.
• away from you after you promote they to help you all of us (age.grams., where you call us through email or phone, otherwise by various other means) and you can from your own passion on all of our web site (particularly, from distribution due to all of our site sites or out of immediately built-up website utilize information).
• out-of borrowers and you may financing individuals.
• from businesses out-of exactly who we get goods and services.

How we Use Personal information

• Meet up with a demand otherwise match the cause for that the information is provided. Such as, if a mortgage broker provides united states which have personal data in check for us to consider to shop for financing, i use you to pointers to assess the borrowed funds and, whenever we purchase it, to help you provider they and you will securitize it.
• In connection with affairs loans in Douglas regarding to purchase mortgage loans, securitizing them, and you will offering the brand new securities (all of our additional ple, we have fun with private information to test loans that we are considering to find or encouraging and also to display the overall performance off financing you to we very own otherwise make certain. Just like the a separate example, we use this information to check the value of characteristics collateralizing this type of finance and also to anticipate default.