"This Privacy Notice for California Consumers ('Notice'), provided by Emerald Ridge Loans, complements and forms an integral component of the information detailed in the Emerald Ridge Loans Online Privacy Policy. This Notice is exclusively applicable to consumers ('you' or 'your') as delineated in Section 1798.140(g) of the California Consumer Privacy Act of 2018 ('CCPA'). We adhere to CCPA regulations by incorporating this Notice, and any terms defined within the CCPA maintain identical interpretations when referenced in this Notice.
Emerald Ridge Loans gathers information that can identify, relate to, describe, reference, or be reasonably linked, directly or indirectly, with a specific consumer, household, or device ('personal information'). As a consumer, you possess certain entitlements concerning your personal information as stipulated in the CCPA. This Notice furnishes you with insights into Emerald Ridge Loans' procedures for collecting, utilizing, and disclosing personal information. Furthermore, it delineates the rights you hold regarding the personal information we acquire from you and elucidates the process for exercising these rights.
Emerald Ridge Loans acknowledges the eleven (11) broad categories of personal information outlined in the CCPA that a business may collect about a consumer. Specifically, Credit 1 Finance has gathered the following categories of personal information from consumers within the past twelve (12) months:
Category
Examples
Collected
A. Identifiers.
collect personal information such as a consumer's 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)).
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,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.
YES
C. Protected classification characteristics under California or federal law.
Age (40 years or older), race, color, ancestry, national origin related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
YES
D. Commercial information.
Records of personal property, purchasing or consuming histories or tendencies.products or services purchased, obtained, or considered.
YES
E. Biometric information.
Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template 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.
information on a consumer’s interaction with a website, application, or advertisement.Browsing history, search history
YES
G. Geolocation Data
Physical location or movements.
NO
H. Sensory Data
olfactory, or similar information Audio, electronic, visual, thermal.
NO
I. Professional or employment-related information.
Current or past job history or performance evaluations.
NO
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 or student disciplinary records.
NO
K. Inferences drawn from other personal information.
Profile reflecting a person’s preferences behavior, attitudes, intelligence, abilities, and aptitudes characteristics, psychological trends, predispositions.
YES
As a company engaged in financial activities,Emerald Ridge Loans falls under the category of a "financial institution" as defined in the Gramm-Leach-Bliley Act ("GLBA"). While the CCPA does not provide an exemption for financial institutions, Section 1798.145(e) of the CCPA exempts personal information collected by a financial institution in accordance with the GLBA.
Personal information, as defined in the CCPA, excludes publicly available information from government records, de-identified or aggregated consumer information, or information otherwise excluded from the CCPA's scope, such as data collected pursuant to the GLBA.
We have obtained the categories of personal information listed above from the following categories of sources:
Directly from you: For instance, from forms you fill out or products and services you purchase.
Indirectly from you: For example, from information we gather while providing our services to you or from observing your interactions on our website.
From third-party business partners, including, but not limited to, social media sites, ad networks, and analytics providers.
Emerald Ridge Loans may use this information to:
Provide you with the information, products, or services you request from us.
Fulfill the purpose for which you provided the information.
Create, maintain, customize, and secure your account with us.
Personalize your website experience and deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Site, third-party sites, and via email or text message (with your consent where required by law).
Advertise and market products and services to you from both affiliated and non-affiliated entities, which includes sending promotional communications, target advertising, and presenting you relevant offers (with your consent where required by law).
Help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
Process your requests, purchases, transactions, and payments.
Provide you with support and respond to your inquiries, including investigating and addressing your concerns and monitoring and improving our responses.
Conduct testing, research, analysis, and product development, including to develop and improve our website, products, and services.
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.
Emerald Ridge Loans may disclose your personal information to third-party service providers for business purposes. We share your personal information with the following categories of third parties for business purposes:
Disclosure of Personal Information for a Business Purpose
Emerald Ridge Loans may disclose your personal information to third-party service providers for business purposes.
1. Affiliates.
2. Service providers: When Emerald Ridge Loans shares with a Service Provider, it enters into a contractual arrangement that describes the business purpose and requires the provider to both:
(A) keep that personal information confidential.
(B) not use it for any purpose except performing the obligations under the contract.
3. Financial Institutions: Our sharing of your personal information with these entities is limited only to when you affirmatively direct us to share your personal information with these companies.
In the preceding twelve (12) months, Emerald Ridge Loans has disclosed the following categories of personal information for business purposes:
- Category A: Identifiers.
- Category B: California Customer Records personal information categories.
- Category C: Protected classification characteristics under California or federal law.
- Category D: Commercial information.
- Category K: Inferences drawn from other personal information
The CCPA similarly requires Emerald Ridge Loans to provide you with a statement on its personal information sales. The definition of “Sale” under the CCPA is very broad. Out of an abundance of caution, we are providing you with the below notice. In the preceding 12 months, we may have sold the below categories of information:
- Category A: Identifiers.
- Category B: California Customer Records personal information categories.
-Category C: Protected classification characteristics under California or federal law.
- Category D: Commercial information.
- Category K: Inferences drawn from other personal information.
We sell these categories of personal information for commercial purposes to the following categories of third parties:
1. Financial Institutions: Including, for example, Debt Settlement Service Providers and Lenders.
2. Business partners and third parties: We may also share Information with business partners and third parties (e.g., other companies, retailers, research organizations, advertisers, ad agencies, advertising networks and platforms, social networks, participatory databases, publishers, and non-profit organizations) that may want to market products or services to you.
Please note that once we sell your personal information to another company, the information received by the other company is controlled by that company and becomes subject to the other company’s privacy practices.
Access & Data Portability Rights
You have the right to request that Emerald Ridge Loans disclose what personal information we collect, use, and disclose. If we receive and confirm your consumer request as verifiable and no exception applies, we will provide you with:
1. The categories of personal information we collected about you.
2. The categories of sources for the personal information we collected about you.
3. Our business or commercial purpose for collecting that personal information.
4. The categories of third parties with whom we share that personal information.
5. The specific pieces of personal information we collected about you.
If we sold or disclosed your personal information for a business purpose, two lists disclosing:-
Sales, identifying the personal information categories that each category of recipient purchased. Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Subject to certain exceptions, you have the right to request that we delete any of your personal information that we collected from you and retained. If we receive and confirm your consumer request as verifiable, unless an exception applies, we will delete (and direct our service providers to delete) your personal information from our records.
The CCPA provides a number of reasons why a deletion request may be denied. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) 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, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, 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.
- 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.
- 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.
You have the right to request that Emerald Ridge Loans no longer sell your personal information. To exercise that right, please click here: [Do Not Sell My Personal Information] or call us toll-free 833-597-7724 during business hours
Exercising Access, Data Portability, and Deletion Rights.
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to Emerald Ridge Loans.
Only you or someone registered with the California Secretary of State and legally authorized to act on your behalf may make a verifiable consumer request related to your personal information.
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 Emerald Ridge Loans to verify, to a reasonable degree of certainty, that you are the person about whom Emerald Ridge Loans collected personal information (or your authorized representative), which may include multi-factor authentication of identifying information provided by you. Such authentication may be conducted and verified independently or in combination with a comparison of personal information already maintained by Emerald Ridge Loans, if any.
- Describe your request with sufficient detail that allows Emerald Ridge Loans to properly understand, evaluate, and respond to it.
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 that the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us, but we must also be able to confirm the personal information relates to you. However, we do consider requests made through your password-protected account sufficiently verified when the request relates to personal information associated with that specific account.
We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response Timing and Format
Emerald Ridge Loans endeavors to respond to a verifiable consumer request within forty-five (45) days of receiving it. If Emerald Ridge Loans requires additional time to process your request, up to a maximum total of ninety (90) days from the date the request is received, we will notify you of this and inform you of the reason for requiring the additional time.
If you have an online account with us, we will deliver our written response to your online 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 or have denied a request, if applicable.
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.
RIGHT TO OPT-OUT OF SALE OF PERSONAL INFORMATION
TO EXERCISE THE ACCESS, DATA PORTABILITY, AND DELETION RIGHTS DESCRIBED ABOVE, PLEASE SUBMIT A VERIFIABLE CONSUMER REQUEST TO Emerald ridge loans BY:
FILLING OUT THE CALIFORNIA CONSUMER REQUEST FORM AVAILABLE AT BY CLICKING HERE.
Non-Discrimination
Emerald Ridge Loans will not discriminate against you for exercising any of your CCPA rights as described above. Unless permitted by the CCPA, Emerald Ridge Loans will not:
- Deny you goods or services.
- Describe your request with sufficient detail that allows Emerald Ridge Loans to properly understand, evaluate, and respond to it.
- Describe your request with sufficient detail that allows Emerald Ridge Loans to properly understand, evaluate, and respond to it.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
*How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?
We currently do not respond to DNT signals in browsers because we do not track individual users across the web.
May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.emerald-ridge-loans.com?
No.California’s “Shine the Light” law (Civil Code Section § 1798.83) permits certain individuals that are California residents to request information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please email us at support@emeraldridgeloans.com or write to us at Emerald Ridge Loans, Changes to Our Privacy NoticeWe reserve the right to amend this Notice at our discretion and at any time. When we make changes to this Notice, we will post the updated Notice on our website and update the Notice’s effective date.
Your continued use of our website following the posting of changes constitutes your acceptance of such changes. Contact InformationEmerald Ridge Loans is committed to responding promptly to any questions or concerns you may have about this Notice. If you have questions concerning the methods by which Emerald Ridge Loans collects or uses your personal information as explained in this Notice and our Online Privacy Policy, the rights granted to you under the CCPA, or how to exercise your rights, or if you are a consumer with a disability and you wish to receive a copy of this Notice, you can contact us by calling-
Emerald Ridge Loans LLC
Phone: 833-597-7724
Please print and retain a copy of this California Privacy Notice for your records. For a PDF version of this Privacy Notice For California Consumers suitable for printing as a separate document, please click Link Below. You must have PDF software such as Adobe Acrobat Reader in order to view and print PDF documents. If you need Acrobat Reader, you can download it from Adobe for free by CLICK LINK.
