This California Privacy Notice supplements the information contained in the ABCLower.com Privacy Policy and applies solely to visitors, applicants, and consumers who reside in the State of California (“California Consumers,” “you”). We adopt this notice to comply with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

Nothing in this notice restricts our ability to comply with federal or state mortgage lending regulations, including those enforced by the California Department of Financial Protection and Innovation (DFPI).

1. Information We Collect

In the past 12 months, ABCLower.com has collected the following categories of personal information from California residents:

A. Identifiers

Such as:

• Name

• Postal address

• Email address

• Phone number

• IP address

• Account information

• Username (if applicable)

B. Personal Information Under California Civil Code §1798.80(e)

Such as:

• Signature

• Employment information

• Mortgage-related data

• Financial information necessary for loan inquiries

C. Protected Classification Characteristics

May include:

• Age (40+)

• Marital status (only if voluntarily provided for loan qualification purposes)

D. Commercial Information

Such as:

• Records of services requested

• Loan product interest

• Borrower profile information

E. Internet or Network Activity

Such as:

• Browsing history on our website

• Interactions with forms, tools, or pages

• Device and browser metadata

F. Geolocation Data

Approximate location from your device or IP address.

G. Professional or Employment-Related Information

If provided as part of a loan inquiry or interest form.

H. Sensitive Personal Information (SPI)

Only if you voluntarily submit for lending-related purposes:

• Social Security Number

• Driver’s license or ID number

• Financial account details

• Income information

We do not collect or use sensitive personal information beyond what is reasonably necessary to provide mortgage-related services.

2. How We Collect Personal Information

We collect information:

• Directly from you (loan inquiries, contact forms, calls, emails)

• Automatically through cookies, analytics tools, and browser data

• From third-party service providers assisting with compliance, analytics, or marketing

• From mortgage-related verification sources when applicable

We do not sell personal information.

3. How We Use Personal Information

We use personal information for:

• Responding to inquiries

• Providing mortgage, refinance, and lending-related services

• Complying with state and federal mortgage regulations

• Processing and evaluating loan-related requests

• Verifying identity

• Detecting or preventing fraudulent or unlawful activity

• Maintaining website functionality and security

• Internal analytics and service improvement

4. How We Share Personal Information

ABCLower may share personal information with:

• Licensed mortgage professionals employed by or contracted with ABC GRAND INC

• Regulatory agencies (e.g., DFPI, NMLS) as required by law

• Service providers performing operational functions

• Compliance processors, verification vendors, or analytics partners

• Website providers, CRM systems, and security monitoring services

We do not sell personal information and do not “share” personal information for cross-context behavioral advertising.

5. Your California Privacy Rights

California residents have the following rights under CCPA/CPRA:

1. Right to Know

You may request disclosure of:

• Categories of personal information collected

• Specific pieces of personal information

• Sources of collection

• Purposes for use

• Categories of third parties we share information with

2. Right to Delete

You may request deletion of your personal data, subject to legal exceptions, including federal mortgage retention requirements.

3. Right to Correct

You may request correction of inaccurate personal information.

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

We do not sell or share personal information, so this right is provided for notice only.

5. Right to Limit Use of Sensitive Personal Information

We do not use sensitive data beyond what is required to fulfill mortgage services.

6. Right to Non-Discrimination

We will not deny services or charge different prices if you choose to exercise your rights.

6. How to Exercise Your Rights

California residents can submit privacy-related requests by:

📧 Email: info@abclower.com
📞 Phone: 800-240-0270
📬 Mail: [Insert Business Address of ABC GRAND INC]

To protect your information, we may verify your identity before completing a request.

Authorized agents may submit requests on your behalf with appropriate authorization.

7. Retention of Personal Information

We retain personal information:

• For as long as needed to provide services,

• To comply with lending regulations and document retention requirements,

• To satisfy legal, accounting, or reporting obligations.

Mortgage records may be retained for up to 7 years, depending on federal and state requirements.

8. Children’s Privacy

This Website is not intended for children under 16.
We do not knowingly collect or sell the personal information of minors.

9. Changes to This California Privacy Notice

We may update this California Privacy Notice periodically. Updates become effective when posted.

10. Contact Us

For questions about this California Privacy Notice or your rights:

ABCLower.com / ABC GRAND INC
📧 Email: info@abclower.com
📞 Phone: 800-240-0270

Last Updated: Nov 25, 2025