California Consumer Privacy Policy Act Notice

This California Consumer Privacy Act (CCPA) Notice is provided by Novus Home Mortgage, a division of Ixonia Bank. Under the CCPA, covered businesses that collect the personal information of California residents must provide notice regarding their data collection and sharing practices. The CCPA also allows California residents to make specific requests with respect to their data.

This notice explains how Novus Home Mortgage collects and uses personal information for everyday business needs. It also informs residents of California how they can exercise their rights under the CCPA.

Categories of Personal Information We Collect

We collect personal data to provide mortgage loans and services, and for our employment and human resource purposes. In the past 12 months, we have collected the following categories of personal data:

• Personal Identifiers: Full name, Social Security number, driver’s license, passport number.
• Personal Information: Contact details, financial information, payment card details.
• Characteristics of Protected Classes: Sex or marital status.
• Purchase Information: Products and services obtained, transaction histories.
• Internet or Online Information: Browsing history, interaction with websites, applications, or ads.
• Geolocation Data: Device location information.
• Employment Information: Work history, prior employer details.
• Education Information: School and related information.

For more details on how we collect, share, and protect your personal information, please see our Privacy Policy.

Categories of Third Parties and Disclosure of Personal Data

In the past 12 months, we have disclosed personal data for business purposes to the following categories of third parties:

• Service Providers: Companies supporting our everyday operations and business management.
• Representatives of California Residents: Accountants, financial advisors, or those with power of attorney.
• Government Agencies: For regulatory and legal requirements.
• Human Resource Partners: Companies supporting HR and workforce management.
• Reporting Agencies: For routine or required reporting.

For additional details on the reasons we share personal information, see our Privacy Policy.

Your Rights Under CCPA

1. Access Request

You have the right to request information covering the 12 months prior to your request, including:

• The categories of personal data we collected about you.
• The business purpose for collecting personal data.
• The categories of third parties with whom we disclosed personal data.
• The specific pieces of personal data we collected about you.

2. Deletion Request

You have the right to request that we delete personal data we have collected from you, subject to certain exceptions.

For more details on how we protect your rights and your personal information, see our Privacy Policy.

How to Make Requests

California residents can make an Access or Deletion Request by:

• Calling us at (844) 337-2548.
• Submitting a request via our website: http://novushomemortgage.com.

We may ask for information to verify your identity, such as:

• Your name, contact information, Social Security number or taxpayer identification number, date of birth, and a copy of a government-issued ID.

No Sale of Personal Data

Novus Home Mortgage does not and has not, within the last 12 months, sold any personal data. We have no actual knowledge of any sale of personal data belonging to California residents under 16 years of age.

Questions?

If you have any questions regarding your privacy rights under CCPA, feel free to contact us:

• Phone: (844) 337-2548
• Email: Contact us