California Consumer Privacy Act (CCPA) Disclosure

Last Updated: November 1, 2025

1. Overview

Vector Home Loans LLC (“Vector,” “we,” “us,” or “our”) values your privacy. This disclosure explains your rights under the California Consumer Privacy Act (CCPA) and how we collect, use, and share your personal information.

2. Rights for California Residents

If you are a California resident, you may have certain rights under the CCPA (Cal. Civ. Code §1798.100 et seq.), including:

The right to request the specific pieces and categories of personal information we collected about you, the categories of sources, the business or commercial purposes for collection, and the categories of third parties with whom we share information.

The right to request, on legitimate grounds, deletion of your personal information that we collected.

The right to authorize another person to make a request on your behalf.

The right not to be discriminated against for exercising any of these rights.

To exercise one or more of these rights, you or someone you authorize may contact us by emailing privacy@vectorhl.com with the subject line “CCPA Request.”

3. Your California Privacy Rights

Under California’s “Shine the Light” law, California residents who provide personal information in obtaining products or services for personal, family, or household use are entitled to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2) to be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. We have elected the second option. To opt-out of having your information shared with third parties, please see instructions in Section 4 (“Opt Out”).

4. Personal Information We Collect

We collect the following categories of personal information, depending on your interactions with us:

Personal identifiers (e.g., real name, alias, Social Security number, driver’s license, email address, postal address).

Protected classification characteristics (e.g., date of birth, gender, veteran status).

Employment and financial information (e.g., income, employer, bank account details).

Commercial information (e.g., records of products or services purchased).

Internet or electronic network activity information (e.g., IP address, browsing behavior).

Geolocation data and communication records.

Inferences drawn from any of the above categories used to create a consumer profile.

5. Sources of Personal Information

We collect personal information from the following sources:

Directly from you when you apply for a loan, contact us, or use our website.

From third parties such as credit agencies and wholesale lenders for loan processing.

From publicly available sources or social media platforms you make public.

6. Use of Personal Information

We use your personal information for the following business and commercial purposes:

To process and manage loan applications and fulfill legal and regulatory requirements.

To communicate with you about products, services, and updates.

To prevent fraud, maintain security, and comply with applicable laws.

For limited marketing and customer relationship management (CRM) purposes.

7. Disclosure of Personal Information

We share personal information only as necessary for legitimate business purposes. This may include sharing with wholesale lenders, government entities, and professional service providers (e.g., accountants or auditors). We do not sell your personal information as defined under the CCPA.

8. Opt Out

You may opt out of the sharing of your information with third parties for non-essential purposes by emailing privacy@vectorhl.com with the subject line “Opt Out.” We will process your request promptly in accordance with applicable law.

9. Changes to This Disclosure

We may update this disclosure periodically. When we do, we will post the revised version on our website with a new “Last Updated” date. Any changes become effective upon posting unless otherwise noted.