Privacy Rights and Opt-Out Agreement

Stairway Mortgage, a Division of NEXA Mortgage LLC

Effective Date: September 1, 2019

At Stairway Mortgage, a Division of NEXA Mortgage LLC, we respect your privacy and your rights under the California Consumer Privacy Act (CCPA) and the Oregon Consumer Privacy Act (OCPA). If you are a resident of California or Oregon, you have specific rights regarding the collection, use, and sharing of your personal data. This agreement outlines those rights and how you can exercise them.

1. How to Submit a Privacy Request

  1. To submit a request regarding your personal data, please email:
     📧 [email protected]
     Subject Line: Privacy Request – [Your Full Name]

    In your email, please include the following information:

    1. Type of Request (Select One)

    ✔ Confirm/Obtain Personal Data (Consumer Only)
     ✔ Delete Personal Data (Consumer Only)
     ✔ Correct Personal Data (Consumer Only)
     ✔ Request a List of Third Parties to Which We Have Disclosed Personal Data (Consumer Only)
     ✔ Opt-Out of Automated Decision-Making (Profiling)
     ✔ Opt-Out of Sale of Personal Data

    1. Are You Submitting This Request on Behalf of Someone Else?

    ✔ Yes – I am an Authorized Agent (Documentation required)
     ✔ No – I am making this request for myself

    1. Personal Information
    • Full Name (First, Middle, Last)
    • Suffix (Mr., Ms., etc.)
    • Date of Birth (MM/DD/YYYY)
    • Last 4 Digits of SSN or ITIN (Optional but may be required for identity verification)
    1. Contact Information
    • Street Address 1
    • Street Address 2 (if applicable)
    • City, State, Zip Code
    • Phone Number
    • Email Address
    • Confirm Email Address
    1. Additional Information (Optional)
    • Any details that would help us locate your records (e.g., transaction history, relevant account numbers, or specific data in question).

2. CCPA Opt-Out Request (California Residents)

Under the California Consumer Privacy Act (CCPA), California residents have the right to opt out of the sale of their personal information.

Required Information for Processing Your Request:

  • Full Name
  • Company Name (if applicable)
  • Email Address
  • Phone Number
  • Mailing Address (Street, City, State, Zip Code, Country)
  • Other Identifying Details (e.g., IP addresses, device IDs)
  • Your Relationship with Stairway Mortgage:
    • Consumer / Customer
    • Employee / Former Employee
    • None / Uncertain
  • Are you submitting this request on behalf of someone else?
    • No
    • Yes – I have legal authority to act on behalf of the Consumer
    • Yes – The Consumer has authorized me to act on their behalf

🔹 Note: This opt-out request does not apply to our service providers who assist in business operations. These entities are contractually bound to use your information only for designated purposes.

🔹 To opt out of marketing communications or join our Do Not Call list, call: (954) 993-1625.

By submitting your request via email, you confirm that you have read and agree to our [Privacy Policy] (insert link).

3. OCPA Notice & Policy (Oregon Residents)

Under the Oregon Consumer Privacy Act (OCPA), Oregon residents have the right to: ✔ Access & Obtain: Request details about the personal data we collect and receive a copy.
 ✔ Correct: Request corrections to any inaccurate personal data.
 ✔ Delete: Request deletion of personal data, subject to legal exceptions.
 ✔ Know Third-Party Disclosures: Request a list of third parties with whom we have shared your personal data.
 ✔ Opt-Out of:

  • Targeted advertising based on personal data.
  • The sale of personal data to third parties.
  • Automated processing of data that affects legal or significant decisions.

How We Use & Share Your Information

We collect and process personal data to:

  • Provide mortgage services, process applications, and manage accounts.
  • Offer product information, pricing, and service notifications.
  • Improve our website, conduct audits, and perform research.
  • Prevent fraud, enhance security, and comply with legal obligations.
  • Respond to law enforcement requests or protect our legal rights.

🔹 We do not sell your personal data. However, we may share information with service providers (e.g., analytics, marketing, legal advisors) and regulatory authorities when required by law.

How to Exercise Your Privacy Rights

To submit a request, email [email protected] or call (602) 344-9333.

  • We will respond to authenticated requests within 45 days.
  • If your request is denied, you may appeal within 14 days. We will respond within 45 days.
  • If your appeal is denied, you may escalate concerns to the Oregon Attorney General.

4. Important Notes

✔ Verification Required – To protect your personal data, we may require additional verification.
 ✔ Authorized Agents – If you are submitting on behalf of another individual, you must provide written authorization.
 ✔ Requests to Correct Information – Supporting documentation may be required.
 ✔ Legal Limitations – Federal financial, tax, or employment laws may prevent us from fulfilling certain requests. If applicable, we will notify you.
 ✔ Processing Time – Requests will be processed within 30 days of verification. If an extension is required, we will notify you.

For more information on how we handle your data, please review our [Privacy Policy] (insert link).

Corporate Address

Stairway Mortgage, a Division of NEXA Mortgage LLC
  3100 W Ray Road #201, Office #209, Chandler, AZ 85226
  (602) 344-9333
  [email protected]

Effective Date: September 1, 2019

By submitting a request, you acknowledge and agree to the terms outlined in this agreement.