The following Terms and Conditions apply to the use of this Web site as well as all transactions conducted through the site.

  • Copyright

  • Copyright © 2023 CampusMortgage, CampusFHA, CampusUnderwriter & CampusProcessor is a Florida corporation. All rights reserved. We are not owned, operated or affiliated with HUD, FHA or the Federal Government in any way.



  • Use Of Site



  • BY REGISTERING FOR ANY CAMPUSMORTGAGE® TRAINING CLASS OR NAMU®/NAMP® CERTIFICATION PROGRAM YOU HEREBY ACKNOWLEDGE YOU HAVE FULLY READ AND ACCEPT THE ITEMS FOUND WITHIN THE CAMPUSMORTGAGE® TERMS OF USE (AS IDENTIFIED BELOW). BY USING OUR WEBSITE AND SERVICES YOU ARE ACCESSING A COMPANY LOCATED IN BROWARD COUNTY, FLORIDA.

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    External Terms of Use Agreements:

    1) NAMU® Terms of Use: As a NAMU® reseller, all NAMU® Certification programs offered for sale on CampusMortgage®’s website are conducted by NAMU®. As such, the Student is subject to the NAMU® Terms of Use & NAMU® Certification Handbook when completing a NAMU® Certification program purchased from CampusMortgage®. 


    2) NAMP® Terms of Use: As a NAMP® reseller, all NAMP® Certification programs offered for sale on CampusMortgage®’s website are conducted by NAMP®. As such, the Student is subject to the NAMP® Terms of Use & NAMP® Certification Handbook when completing a NAMP® Certification program purchased from CampusMortgage®.

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    How To Contact Us: CampusMortgage, CampusFHA, CampusUnderwriter & CampusProcessor is a "for profit" Florida corporation with a mailing address at: Presidential Circle -- 4000 Hollywood Blvd. -- Suite 555-South -- Hollywood, FL 33021. You can email us at contact@campusmortgage.org or call us at (800)423-1510. You can also fax us at (954)323-7512.


    Course Updates: Mortgage regulations & guidelines can change throughout the year. With that said, we make every effort to keep our students updated and do this in a variety of ways. We start with an annual review of each course to determine if full, partial or no revamping is needed, and will revise the course(s) once a year accordingly. We also give each Student one year to ask questions directly to our instructors which can help in gaining clarity on any new legislative or rule changes not reflected in the course content. From here, we may put together supplemental “update” webinars, if deemed necessary -- which are made available to each “active” Student upon request, at no extra cost. Finally, we post weekly training videos and articles within our weekly e-newsletter, The Mortgage Standard, which often cover breaking mortgage news & proposed legislative changes.

    Refund Policy: No refunds or credits will be issued if a student and/or customer has logged into any recorded/“live” webinar course or has requested a Certificate of Completion for the course/certification/bootcamp/bundled package purchased. If a student and/or customer has not logged into a recorded/“live” webinar course or has not requested a Certificate of Completion, the customer is entitled to a full refund (minus a $75 administrative cancellation fee) provided a refund request is received in writing or via e-mail by CampusMortgage® within (5) calendar days from the date of purchase. If a refund is issued to a customer, the customer will not be permitted to repurchase any NAMP®/NAMU®/CampusMortgage® product from NAMP®/NAMU®/CampusMortgage®, or its affiliate resellers. NOTE: there are no refunds on corporate sponsorship packages that include advertising, “brand awareness” initiatives, email marketing, banner ads, etc.

     

    1-Year Access: Once a student enrolls, the student will have one year of access to the CampusMortgage® Online Training Portal & related services, which will start from when the student first logs into the CampusMortgage® Online Training Portal — not from date of purchase. This one-year period applies to the webinars, course materials, exams, customer support and ability to ask questions/concerns to the instructors.


    Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following:


    1) Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. 

    2) The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The CampusMortgage® is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.

     

    Discount/Special Offer Disclaimer: After a purchase is made, all discounts, special offers, bundled package deals & coupons cannot be combined/exchanged with any other current or future special offer, promotion, discount or group offer. NOTE: All special offers, vouchers & promotions are made available to all new and existing customers — for example, if your co-worker received a voucher (discounted price and/or package deal) from us, we will always honor that same voucher to you.


    Training & Certification Disclaimer: CampusMortgage® is a Florida corporation, and all training & Certification offered through CampusMortgage® is for "professional development" and is further for informational purposes only (not to serve as licensure training or legal advice). Obtaining NAMU®/NAMP® Certification does not imply the Student is an "expert" or "licensed" in any mortgage related field -- it simply means the Student has taken online training classes and passed a 1-hour timed online proctored exam. It also does not guarantee the Student will find a job. CampusMortgage® does not provide job placement assistance. CampusMortgage® is not owned, operated or affiliated with HUD, FHA, VA, State Government or Federal Government in any way. NAMU®/NAMP® Certification is not a local, State or Federal Government issued Certification. NAMU®/NAMP® reserves the right, at any time, to strengthen and enhance the NAMU®/NAMP® Certification by changing curriculum and/or discontinuing any of the training classes included in the NAMU®/NAMP® Certification. NAMU®/NAMP® also reserve the right, at any time, to change the NAMU®/NAMP® Certification process and/or discontinue the NAMU®/NAMP® Certification altogether.

    Certification - Hold Harmless/Indemnify: By proceeding forward with obtaining any NAMP®/NAMU® certification, you hereby agree to indemnify and hold harmless CampusMortgage, NAMP®/NAMU® and its employees, officers, directors, trustees, shareholders, affiliates, and agents (as it relates to your NAMP®/NAMU® certification) from and against any and all liabilities, actions, claims, damages, costs, losses, and expenses, including, without limitation, reasonable attorneys’ fees & costs, arising out of (a) any negligent act or omission by you, or (b) any breach of any term contained in the NAMP®/NAMU® certification paperwork. This indemnification shall remain effective indefinitely and shall not terminate with the expiration or termination of your NAMP®/NAMU® certification.

    Course Disclaimer: All CampusMortgage online training classes are "professional development" and are for informational purposes only (not licensing training). Obtaining a CampusMortgage Certificate of Completion does not imply you are an "expert" or "licensed" in any mortgage related field -- it simply means you've taken (X) hours of online training. We do not guarantee you will find a job. We do not provide job placement assistance. We are not owned, operated or affiliated with HUD, FHA or the Federal Government in any way. By registering for any NAMP® or NAMU® Certification program you hereby acknowledge you have fully read and accepted the Terms of Use and Certification Handbook provided by NAMP® and NAMU® respectively.

    No Job Placement Provided: For those Students who are seeking to find a job within the mortgage industry CampusMortgage® does not provide job placement assistance of any kind. Aside from the current state of any given job market, there are many other factors that go into the Student securing a job after obtaining NAMU® Certification — which are out of NAMU®’s control (i.e. the Student’s professionalism, interpersonal skills, enthusiasm, employment track record, etc.). With this is mind, NAMU® does not provide job placement assistance, nor guarantee the Student will find a job.

    Trademarks: All brand, product, service, and process names appearing on this Web site are trademarks of their respective holders. Reference to or use of a product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that product, service, or process by CampusMortgage. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property right of Online Store or any third party, except as expressly granted herein.

    NAMU®/NAMP® Certification is NOT a License: NAMU®/NAMP® Certification is strictly a “professional development” training program – not a license.

    Disclaimer of Liability: With respect to documents and information available from CampusMortgage®, CampusMortgage® does not make any warranty, expressed or implied, including the warranties of merchantability and fitness for a particular purpose arising out of the use or inability to use the documents and/or information provided by CampusMortgage®. CampusMortgage® further does not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed, or represents that its use would not infringe privately owned rights.

    Disclaimer of Endorsement: Reference herein to any specific commercial products, process, or service by trade name, trademark, or otherwise, does not constitute or imply its endorsement, recommendation, or favoring by CampusMortgage®

    Disclaimer for External Linkages: CampusMortgage® neither endorses links nor approves of links to external sources. External links are made available for the convenience of the Student. CampusMortgage® takes no responsibility for a link's operation or content.

    Use of CampusMortgage®’s Services, Products, Websites & Online Store: Information on this site may contain technical inaccuracies or typographical errors. Information, including product pricing and availability, may be changed or updated without notice. Campusmortgage®'s Online Store, its subsidiaries and related entities (the “Company”) reserve the right to refuse service, terminate accounts, and/or cancel orders (e.g., CampusMortgage® training classes, NAMP®/NAMU® certification), in its sole discretion, including, without limitation, if the Company believes that a customer or potential customer’s conduct violates applicable law or may be deemed harmful to or interfere with the interests of the Company.

    General: Each party hereto may terminate this Agreement at any time for any reason. Notwithstanding the foregoing, all obligations which arose under this Agreement prior to its termination will survive termination, including but not limited to, all representations, warranties, and covenants and indemnification obligations of the parties.

    By accessing this Web Site, you have directed your system to a computer located in the State of Florida. This Agreement and services rendered shall be deemed to have been entered into and performed at Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) company headquarters in the State of Florida, and all questions concerning the validity, interpretation, or performance of any of its terms or provisions, or any rights, or obligations of the parties hereto, shall be governed by and resolved in accordance with the laws of the State of Florida, without giving effect to the principles of conflict of laws. You agree that the state courts located in Broward County, Florida shall be the venue and exclusive proper forum in which to adjudicate any case or controversy arising either directly or indirectly, under or in connection with this Agreement in the court. You agree not to contest or challenge the jurisdiction or venue of the court.

    If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law, including without limitation, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provisions will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in full force and effect.

    This Agreement constitutes the entire Agreement between you and Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) with respect to the use of this Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) with respect to this Web Site. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

    The rights and obligations under this Agreement may not be assigned, including by operation of law, without the expressed written consent of Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor).

    Failure or delay in exercising any right shall not act as a waiver of any right, nor shall any single or partial exercise of any right preclude any other or further exercise thereof. No waiver of any of the provisions of this Agreement shall be deemed, or shall constitute, a waiver of any other provision, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver shall be binding unless executed in writing by the party marking the waiver. Remedies herein are deemed as cumulative and nonexclusive of each other.

    Nothing contained in this Agreement shall be deemed to create, nor shall this Agreement be construed so as to create, a joint venture, agency or employment relationship between Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) and member client.

    This Agreement shall be construed as though drafted by both parties and shall not be construed against or in favor of any party.

    Captions and paragraph headings herein are for convenience only, and shall not be used in construing this Agreement.

    Any rights not expressly granted herein are reserved.

    MODIFICATION OF THESE TERMS, CONDITIONS AND NOTICES: Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) reserves the right, at any time and from time to time, to change the Terms, Conditions and Notices under which this Web Site is offered.

     

    NOTE: On 02/01/23 Instructor Questions Phased Out: CampusMortgage® no longer permits Students to ask questions directly to the instructors; however, for all Students who registered prior to 02/01/23, CampusMortgage® will still permit the Student to ask questions to the instructors, pursuant to the CampusMortgage® Terms of Use here:CampusMortgage® allows Students to ask questions directly to the instructor for a period of one year from date of purchase, with a maximum of five (5) questions per class (not per module). The Student will receive only one (1) instructor response per question with no counter responses from the instructor. The Student will not be permitted to ask questions on any free classes provided to Student as part of a special offer or bundled package deal. If the Student submits a course concern; for example, a potential error with the grammar/calculations/forms/etc. and the Student would like a response from the instructor, that response from the instructor will count towards the allotted (5) responses per class. If the Student submits a course content suggestion/recommendation, CampusMortgage® will keep the suggestion/recommendation on file to be considered during that course’s annual review. NOTE: All course content suggestions/recommendations are subjective in nature and may not get implemented. The Student may not transfer any of the allotted (5) questions to another class or fellow Student. Only the registered Student may ask questions — not a colleague, family member, friend, fellow Student, etc. The Student’s question must pertain ONLY to the content in the course webinar and/or course materials -- not random mortgage-related questions. DUE TO LIABILITY REASONS, QUESTIONS MAY NOT PERTAIN TO A "LIVE" LOAN SCENARIO. When asking a question to a CampusMortgage® instructor, please keep in mind the instructor may not have the entire facts & background of the student’s question; therefore, we recommend the Student also utilize other resources such as FHA.gov, VA.gov, NMLS, CFPB, State Banking Department, etc. All answers provided to the student by a CampusMortgage® instructor are for informational purposes only and should not be taken as legal advice. By proceeding forward with asking a question to a CampusMortgage® instructor, the Student hereby agrees to indemnify and hold harmless CampusMortgage® and its employees, officers, directors, trustees, shareholders, affiliates, and agents from and against any and all liabilities, actions, claims, damages, costs, losses, and expenses, including, without limitation, reasonable attorneys’ fees & costs, arising out of (a) any negligent act or omission by the student or (b) any answer (information) given by a CampusMortgage® instructor pertaining to the Student’s question. This indemnification shall remain effective indefinitely and shall not terminate with the expiration or termination of the Student’s CampusMortgage® training class.

     

    **Terms of Use Last Updated: 3/08/23



  • Privacy Policy

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    PRIVACY POLICY 

    The Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) (including its affiliates) collects information about you when you use our mobile applications, websites, or other services (collectively, “Services”) and through other interactions or communications you may have with us or through our Services. CampusMortgage and its affiliates may be referred to collectively as “CAMPUSMORTGAGE”, “we” or “us”. This privacy policy applies to any user of our Services for any reason and anywhere in the world.

    Please take a moment to read this Privacy Policy to understand how we collect, use, and share the information that we collect from or about you.

    1) What Information We Collect

    Information You Provide Directly:

    When you use our Services, we collect a variety of information from you directly, including personally identifiable information. This information is obtained from your online registrations, searches, applications, surveys or other forms you may complete. For example, when you register to use our Services, you provide us with certain personal information, such as your name, work address, e-mail address, or phone number. If you register to purchase services through us, we may collect additional information from you. You may also provide information about third parties. Further, we may collect information about your transactions with our affiliates or others, and may combine all information that is collected from your interactions with us, namuour affiliates, and others.

    Information You Provide By Using Our Services:

    In addition to the information that you provide directly, we collect and store information such as your unique device identifier, the page or subject areas you visit, your browser, Internet Protocol address, operating system and language, the state or country from which you access our Services, the information you request, the date and time of your visits, the websites you visited before and after visiting our websites, error logs, preferences expressed, settings are chosen,  hardware and software information of your device. If you permit our Services to access location services through the permission system used by your mobile operating system, we may also collect the precise location of your device while you actively use it. We may also derive your approximate location based on your IP address. You may deactivate the location service on your mobile device but some of our Service features may be unavailable.

    If you use any social networking functionality provided by us, we may access and use your social network profile information that you have made available to be shared.

    2) How We Collect Information

    We may send cookies to your computer primarily to enhance your online experience. Cookies are small files that can identify you as a unique user and store your personal preferences or technical information (including click through and clickstream data). Cookies can either be permanent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, various features of our Services may not properly function without cookies.

    We may also use tracking systems such as web beacons which monitor your use of our Services. This tracking system provides a method for delivering a graphic image on a web page for the purpose of transferring data, such as the Internet Protocol address of a computer, the Uniform Resource Locator of the page displaying the web beacon, the time the page containing the web beacon was viewed, the type of browser that fetched the web beacon and the identification number of any cookie on the computer previously placed by that server. When corresponding with you via HTML capable e-mail, web beacons let us know whether you received and opened our e-mail.

    On their own, cookies or web beacons do not contain or reveal any personally identifiable information. However, if you choose to furnish personally identifiable information through our Services, this information can be linked to the data stored in the cookies/web beacons. Through your ongoing use of our Services, you specifically agree to our described methods of collecting data and information. You may adjust the privacy and security settings of your browser or mobile device to reject cookies from us or from any other site. Additionally, by setting your web browser to display HTML emails as text only, you may be able to prevent the use of some web beacons. Please consult the “Help” section of your browser for more information, or consult the instructions set forth by your mobile service provider or mobile device manufacturer. However, certain areas of our websites can only be accessed in conjunction with cookies or similar devices and you should be aware that disabling cookies or similar devices might prevent you from accessing some of our content.

    Unless you choose to opt-out, by using our Services, you consent that we may use or share information we have about you to enhance your user experience, determine your eligibility for a wider range of services or products available to you and provide you notification of same, customize and personalize the content provided to you through our Services, send you information about topics that may be of interest to you, perform research and analytics, provide you communications related to your account and present you with information regarding products and services from our affiliates.

    Further, we may share your information with others in the following ways:

    With Third Party Service Providers, Joint Marketers and As Otherwise Permitted by Law

    We may work with non-affiliated companies or organizations to provide you with opportunities to buy products or services offered by us or jointly with other companies, including training institutions. Consequently, we may disclose some or all of the information that we collect to the following: 

    • Companies that perform services on our behalf, such as data processing companies, customer/support services and other vendors; and
    • Companies with whom we have joint marketing agreements.

    For your protection, we require that these companies keep all personal information secure and confidential.

    There may be additional times when it is necessary for us to use and share your information, and we may disclose some or all of the information that we collect as permitted by law.

    We may also disclose your personal information:

    • To comply with any court order, law or legal process, including responding to any government or regulatory request
    • To enforce or apply our Terms of Use and other agreements
    • To support compliance or audit requirements
    • To detect, prevent or otherwise respond to fraud, security or technical concerns
    • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of our Services, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
    • In the event of a merger, acquisition or other transfer involving all or part of our business

    With Other Third Parties

    We may disclose some or all of the information that we collect with non-affiliated companies or other organizations, including:

    • Non-financial companies, such as retailers, direct marketers, membership clubs and publishers;
    • Other companies and organizations, including non-profit organizations.

    If you prefer that we not share information about you with non-affiliates of CAMPUSMORTGAGE, you may opt-out. That is, you may direct us not to share this information by sending us an email to contact@campusmortgage.org.

    3) Targeted Advertising

    We may also use technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). We believe that this online behavioral tracking helps to provide you with more relevant advertising based upon the websites you visit. Third parties may also use similar technologies to collect information about your online activities over time and across different third party sites, including your use of our Website.

    You can visit the NAI Opt-Out website for information on how you can opt-out of behavioral tracking on our Website. Using the choice mechanisms these programs make available may help you see advertising that is relevant to you or help you avoid seeing interest-based advertising generally. Please note that the Website does not respond to or honor “Do Not Track” requests. We also use cookies to improve the performance of our advertising on other websites. Although you may not opt-out of receiving online advertisements generally, you may control the collection of data on our site used for targeted CAMPUSMORTGAGE advertising during your visits to other websites. To opt-out of our data collection for targeted advertising on other sites, please email contact@campusmortgage.org.

    4) How We Protect Your Information

    Keeping your personal information secure is one of our most important responsibilities. Only those persons who need it to perform their job responsibilities are authorized to access your information. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic, and procedural safeguards.

    5) Maintenance of Accurate Information 

    We have established commercially reasonable procedures designed to ensure that your personal information is as accurate and complete as possible. If you believe that our records contain inaccurate or incomplete information about you, please notify us by sending us an email to contact@campusmortgage.org. We will take commercially reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

    6) Other Websites 

    Our websites may contain hyperlinks to other Internet sites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the privacy practices employed by other sites. These other websites may collect and share data in a manner that is not consistent with our privacy practices. Our websites may also contain hyperlinks to the Internet sites of CAMPUSMORTGAGE affiliates. This Privacy Policy applies only to Services. The privacy policy of CAMPUSMORTGAGE affiliates may differ from this Privacy Policy, and any activity conducted on an affiliate’s website is governed by the privacy policy of that affiliate. We encourage you to review the privacy policy of any website you may visit via a hyperlink from our website to ensure that you agree with the terms of that policy prior to using the site.

    7) Changes to this Privacy Policy

    We may revise this Privacy Policy from time to time as it deems necessary. Any changes to the Privacy Policy will be posted on this webpage and take immediate effect. Please review this webpage on a regular basis to remain informed about the most recent terms of our Privacy Policy.

    8) Acceptance of Privacy Policy Terms

    Your ongoing use of our Services constitutes your acceptance of this Privacy Policy, including any changes to the Privacy Policy following the posting of such changes. If you do not agree with this Privacy Policy, please do not use our Services.

    9) Nevada Residents Only

    Through your registration, searches, applications, surveys, or other forms you may complete in the process of using our Services on CAMPUSMORTGAGE, we collect a variety of information from you directly, including, without limitation, name, physical address, telephone number(s) and an e-mail address.  The information that we collect may be viewed, updated, and edited by contacting us at contact@campusmortgage.org. And as per Section 5 above, should you have any questions or concerns regarding your personal information please email us at contact@campusmortgage.org.

    Your information may be shared with third parties and affiliates in accordance with Section 2 above.  Additionally, third parties may look to collect information relative to your use of our Website or other sites you visit immediately prior to or after arriving at our Website, as further described in Section 3 above.

    Any material changes to this privacy policy will be made in accordance with Section 7 above.

    10) California Residents Only

    This Privacy Notice for California residents supplements the above privacy terms 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).  This section describes the information we collect, how it may be used, how it may be shared, your rights, and how to exercise those rights.  Any terms defined in the CCPA have the same meaning when used in this Notice.

    Information We Collect

    The Site collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, the Site has collected the following categories of personal information from its consumers within the last 12 months:

    Category

    Examples

    A – Identifiers

    Name, postal address, unique personal identifier, online identifier, Internet Protocol address, email address.

    B – Personal information defined in Cal. Civ. Code § 1798.80(e)

    A name, address, telephone number, email address.
    Some personal information included in this category may overlap with other categories.

    C – Commercial Information

    Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

    D – Internet or similar network activity

    Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.

    E – Geolocation data

    Physical location.

    F – Inferences drawn from other personal information 

    Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

    Personal information does not include:

    • Publicly available information from government records.
    • Deidentified or aggregated consumer information.
    • Information excluded from the CCPA’s scope, such as personal information covered by certain sector-specific privacy laws, 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.

    CAMPUSMORTGAGE obtains the categories of personal information listed above from the following categories of sources:

    • Directly from you. For example, from forms you complete or products and services you purchase.
    • Indirectly from you. For example, from observing your actions on our Site.

    Use of Personal Information

    We may use or disclose the personal information we collect for one or more of the following business purposes:

    • To fulfill or meet the reason you provided the information. For example, if you share your name and contact information in order to download our brochure and/or ask a question about our products or services, we will use that personal information to respond to your inquiry. 
    • To provide, support, personalize, and develop our Site, products, and services.
    • To create, maintain, customize, and secure your account with us.
    • To process your requests, purchases, transactions, and payments and prevent transactional fraud.
    • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
    • To personalize your Site experience.
    • For testing, research, analysis, and product development, including to develop and improve our Site, products, and services.
    • 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.

    CAMPUSMORTGAGE 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.

    Sharing Personal Information

    CAMPUSMORTGAGE 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:

    • Subsidiaries and affiliates.
    • Contractors and service providers.
    • Data aggregators.
    • Third parties with whom we partner to offer products and services to you.

    Disclosures of Personal Information For Business Purpose

    In the preceding 12 months, CAMPUSMORTGAGE has disclosed the following categories of personal information for a business purpose to the parties identified above:

    A – Identifiers

    B – Personal information defined in Cal. Civ. Code § 1798.80(e)

    C – Commercial Information

    D – Internet or similar network activity

    E – Geolocation data

    F – Inferences drawn from other personal information 

    Sales of Personal Information

    It is also important to note that CAMPUSMORTGAGE does not sell the personal information collected from you, including that of minors.

    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.

    Access to Specific Information – Data Portability Rights

    You have the right to request that CAMPUSMORTGAGE disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will disclose to you:

    • The categories of personal information we collected about you.
    • The categories of sources for the personal information we collected about you.
    • Our business or commercial purpose for collecting or selling that personal information.
    • The categories of third parties with whom we share that personal information.
    • The specific pieces of personal information we collected about you (also called a data portability request).
    • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
      • sales, identifying the personal information categories that each category of recipient purchased; and
      • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

    Deletion Request Rights

    You have the right to request that CAMPUSMORTGAGE delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

    We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

    1. 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, or otherwise perform our contract with you.
    2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
    3. Debug products to identify and repair errors that impair existing intended functionality.
    4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights or exercise another right provided for by law.
    5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
    6. 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.
    7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
    8. Comply with a legal obligation.
    9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

    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 us by contacting us at contact@campusmortgage.org. You may also submit a privacy inquiry at contact@campusmortgage.org.

    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. 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.

    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.

    Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

    Non-Discrimination

    We will not discriminate against you for exercising any of your CCPA rights.  Unless permitted by the CCPA, we will not: 

    • Deny you goods or services
    • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties. 
    • Provide you a different level or quality of goods or services.
    • Suggest that you may 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.  Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.

    11) EU Residents

    If you are a resident of the European Union, you have the following rights under the EU’s General Data Protection Regulation. Any requests you make may take up to 30 days to process. Please be sure to provide your identifying information when making the request.

    • Access: You may request to access your personal information and obtain a copy of the personal information which is being processed by CAMPUSMORTGAGE. Such requests will be made by contacting us.
    • Correction or update: You may ask us to change, update, or complete any missing data we process about you, by contacting us with the relevant updates.
    • Erasure: We only process your personal information with your consent. You may withdraw your consent to our processing of your personal information at any time. Unless we believe we have a legitimate interest for continuing the processing of your personal information (e.g. to comply with our legal obligations, resolve disputes, enforce our agreements, etc.) and the personal information is no longer necessary in relation to the purpose for which it was originally collected, we will erase your data.
    • Portability: You have the right to receive a copy of your personal information in a structured, machine-readable format.

    To make any of these requests, please email us at contact@campusmortgage.org. You may also submit a privacy inquiry at contact@campusmortgage.org.

    A Note About Children

    Our products/services are not directed to children under the age of 13 and children under the age of 13 are not eligible to use our products/services. Our products/services are only intended for purchase by adults. We do not collect or maintain personal information from children we actually know are under the age of 13. If a child under 13 submits personal information to us and we learn that the personal information is the personal information of a child under 13, we will take steps to remove the personal information from our databases. If you believe that a child under 13 provided us with personal information, please contact us at contact@campusmortgage.org.

    For minors over the age of 13, we may collect information from them. As with any personal information we collect from our users, we do not “sell” that information as defined under the CCPA. If you provide us information about a child and you are not the parent or legal guardian of that child, please obtain the parent or legal guardian’s consent to provide us such information.

    Users Outside of the United States

    If you are using our products/services in the EU, please read above regarding our EU Privacy Policy. If you are a non-U.S. user of our products/services outside of the US and EU, by using our products/services and/or providing us with information, you acknowledge and agree that your personal information may be processed for the purposes identified in this Privacy Policy. In addition, your personal information may be processed in the country in which it was collected and in other countries, including the United States, where laws regarding processing of personal information may be less stringent than the laws in your country. By providing your information, you consent to such transfer.

    How You Can Reach Us 

    CampusMortgage

    Presidential Circle

    4000 Hollywood Blvd.

    Suite 555-South

    Hollywood, FL 33021

    Phone: (800)423-1510

    Or, you can email us at: contact@campusmortgage.org

     

    **Terms of Use Last Updated: May 26, 2022