Personal Information We Collect and How We Collect:
Directly From You with your Consent: We may collect information directly from you when you fill out a form on our Site, subscribe to any newsletters or blogs we may offer, apply for a loan or submit information for a prequalification online, or make a payment or upload forms through our Site. The information we collect includes: (a) personally identifiable information such as your name, social security number or other personal identifiers; (b) contact information including landline and mobile or cellular telephone numbers, email and street or mailing address; (c) personal characteristics such as your age and gender; (d) financial information, including your income and debts; (e) information about your education and work history; and (f) payment information such as your bank account and credit or debit card numbers.
Indirectly through the Site: We may collect several types of information from and about users of our Site, including information by which you may be personally identified; information that is about you, but that does not individually identify you (through, for examples, pixels); and information about your internet connection, the equipment you use to access our Site, and usage details. We may collect this information directly from you when you provide it to us. We may also collect this information automatically as you navigate through our Site. The information that is automatically collected may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
As you navigate through and interact with our Site, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
We also may use these technologies to collect information about your online activities over time and across third-party Sites or other online services (behavioral tracking).
The information we collect automatically may include statistical data and include personal information, and we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Site and to deliver a better and more personalized service, including by enabling us to:
Third Party Service Providers: We may also collect information about you from our service providers that assist us in providing financial products or services you request from us. These service providers include credit reporting agencies or bureaus, income, employment and other verification services, appraisers, payment processor(s), technology platforms and service providers, and business and marketing consultants.
Third Party Advertisers: If you choose to access, visit and/or use any third-party advertising partners’ website that may be integrated with or linked to this Site, we may receive personally identifiable information and other information about you and our computer, mobile or other device that you have made available to those third parties. You decision to visit third party advertising partner websites from our Site is voluntary. However, you should make sure you are comfortable with the information these third-party advertising partners may make available to us by reviewing those third parties’ privacy policies and/or modifying your privacy settings directly with those third parties. You can find a list of our third-party advertising partners here: Advertising Partners.
All of the information we collect about you through the sources listed above is referred to in
How We Use the Personal Information We Collect
We primarily use the Personal Information you supply directly to use to provide you with the content and/or financial product or service you have requested. We may also use your Personal Information to communicate with you about new features, products or services, and/or to improve the services that we offer by tailoring them to your needs.
We use the Personal Information gathered indirectly through use of the Site to analyze trends, administer the site, track user’s movement around the site, and gather demographic information.
We may also use your Personal Information in any one or more of the following ways:
Transfer of Personal Information
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (”NAI”) on the NAI’s website opt-out page http://networkadvertising.org; and you can opt out of receiving targeted ads from those entities participating in the Digital Advertising Alliance by going to youradchoices.com or https://optout.aboutads.info/.
California residents may have additional personal information rights and choices. Please see the California privacy forms on Cascade’s website for more information.
Please know we do not currently sell data triggering the opt-out requirements under Nevada Revised Statutes Chapter 603A.
We use encryption software to secure your Personal Information. Because no data transmission is completely secure, and no system of physical or electronic security is impenetrable, however, we cannot guarantee the security of the Personal Information you send to us or the security of our servers, networks or databases. By using the Site you agree to assume all risk in connection with the Personal Information sent to us or collected by us when you access, visit and/or use the Site and we are not responsible for any loss of such Personal Information or the consequences thereof.
This Site is not intended for use by children, especially those under age 18. No one under age 18 is allowed to submit Personal Information through the Site.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Cascade chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does Cascade share?||Can you limit this sharing?|
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes –
to offer our products and services to you
|For joint marketing with other financial companies||Yes||No|
For our affiliates’ everyday business purposes –
information about your transactions and experiences
For our affiliates’ everyday business purposes –
information about your creditworthiness
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||Yes||Yes|
To limit our sharing
Call (800) 806-3178 – we will prompt you through your choices;
Email addressed to: firstname.lastname@example.org or visit us online: https://www.cascadeloans.com/opt-out-request/
If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing. Questions? Call (800) 806-3178
Who is providing this notice?
Southwest Stage Funding, LLC, doing business as Cascade Financial Services and Cascade Land Home Financing (“Cascade”)
How does Cascade protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Cascade collect my personal information?
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other Important Information
California residents: We will not share your personal information with nonaffiliates for their marketing purposes except with your express consent. We will not share your personal information with affiliates or other financial companies for joint marketing purposes if you ask us not to by using the opt-out form or instructions provided with this notice (called “Important Privacy Choices for Consumers”).
North Dakota residents: We will not share your personal information with nonaffiliates for their marketing purposes or with other financial companies for joint marketing purposes, except with your express consent. We will not share information about you with our affiliates, except as permitted by law.
Vermont residents. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at https://www.cascadeloans.com/opt-out-request/ or call (800) 806-3178.
This CALIFORNIA CPA PRIVACY NOTICE is for California residents only and supplements the information contained in other privacy notices provided in connection with the loan application process and/or on the website of Cascade Financial Services (Cascade Land Home Financing in Oregon, Washington, Pennsylvania and Delaware) and its subsidiaries (collectively, “Cascade,” “we,” “us,” or “our”) and applies solely to visitors, client’s, 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”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.
Information We Collect
We collect 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, we have collected the following categories of personal information from consumers within the last twelve (12) months:
|A. Identifiers.||A 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.||Some of this information is collected|
|B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).||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, 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.||Some of this information is collected|
|C. Protected classification characteristics under California or federal law.||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).||Some of this information is collected|
|D. Commercial information.||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||Some of this information is collected|
|E. Biometric information.||Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||Not collected|
|F. Internet or other similar network activity.||Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.||Not collected|
|G. Geolocation data.||Physical location or movements.||Not collected|
|H. Sensory data.||Audio, electronic, visual, thermal, olfactory, or similar information.||Not collected|
|I. Professional or employment-related information.||Current or past job history or performance evaluations.||Some of this information is collected|
|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, student financial information, or student disciplinary records.||Not collected|
|K. Inferences drawn from other personal information.||Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||Some of this information is collected|
All the information that Cascade collects from consumers is collected in connection with loan prequalifications and applications. Cascade does not use any other methods to collection personal information.
Personal information does not include:
We obtain the categories of personal information listed above from the following categories of sources:
Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following business purposes:
We 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
We 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 disclose your personal information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months, we have not sold any personal information and we have no intention of doing so in the future.
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 and Data Portability
Unless your personal information is excluded from the scope of the CCPA, you have the right to request that we 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, we will disclose to you:
Deletion Request Rights
Unless your personal information is excluded from the scope of the CCPA, you have the right to request that we 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, 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 providers to:
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 either:
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:
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. Our practices with regard to verifying a request will vary depending on the request and the information we have on the person making the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that 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, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
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.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Phone: (877) 869-7082
Cascade Financial Services/Cascade Land Home Financing
P.O. Box 2377
Chandler, Arizona 85244
Attn: Legal Department