California Consumer Privacy Act
This CCPA Disclosure applies solely to California residents. A California resident is a natural person (as opposed to a corporation or other business entity) who resides in California, even if the person is temporarily outside of the state.
This California Consumer Privacy Act Disclosure (“CCPA Disclosure”) explains how PHAM & PARTNERS LLC d/b/a equity unlimited, (collectively, “equity unlimited,” “we,” “us,” or “our”) collect, use, and disclose personal information subject to the California Consumer Privacy Act (“CCPA”). It also describes the privacy rights of California residents under the CCPA and how they can exercise those rights.
the right to request the specific pieces of personal information we collected about you; the categories of personal information we collected; the categories of sources used to collect the personal information; the business or commercial purposes for collecting your personal information; and the categories of third parties with whom we share your personal information each as it pertains to our activities in the preceding twelve (12) months
the right to request, on legitimate grounds, deletion of your personal information that we collected;
the right to have someone you authorize make a request on your behalf; and
the right not to be discriminated against for exercising any of these rights.
We also must provide in this online disclosure certain details about our collection and handling of categories of personal information. The information that follows shows the types of personal information we may collect about California residents who are subject to the CCPA, the sources from which we collect it, and the ways in which we use and disclose it.
Personal Information
Categories of Personal Information
Personal identifiers, including those listed in other California statutes: Real name; alias; Social Security number; passport number; other government issued number; Green Card number; driving license number; telephone number; email address; postal address; account name; online identifier; device identifier; IP address
Characteristics of protected classifications: date of birth/age; gender; military or veteran status; marital status; nationality; citizenship; request for family care leave; request for leave for employee’s own serious health condition; request for pregnancy leave
Biometric information: fingerprint; voice recordings; keystroke patterns and rhythms
Professional or Employment: title; salary; employment files; references
Education information: details of your education and qualifications
Financial details: bank account numbers; debit/credit card numbers; cardholder or accountholder name and details; transaction details
Commercial Information: records of personal property; products and service purchased, obtained or considered; purchasing or consuming histories or tendencies
Internet or other electronic network activity information: browsing history, search history, information regarding your interaction with a website, application or advertisement
Geolocation data: any information used to identify your physical location
Communications, recordings, images: audio, electronic, visual
Inferences: Any derivation of information, data, assumptions, or conclusions drawn from any of the above categories used to create a profile reflecting the consumer’s preferences, characteristics, psychological trends, preferences, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes
Our Sources of Personal Information
Category of Sources from which we Collect Personal Information
We obtain your personal information when you provide it to us (e.g., where you contact us via email or telephone, website, or by any other means)
We collect personal information that you manifestly choose to make public, including via social media (e.g., we may collect information from your social media profile(s), to the extent that you choose to make your profile publicly visible)
We receive your personal information from third parties who provide it to us (e.g., our customers; credit reference agencies; and law enforcement authorities)
We collect or obtain personal information when you visit any of our Sites or use any features or resources available on or through a Site. When you visit a Site, your device and browser may automatically disclose certain information (such as device type, operating system, browser type, browser settings, IP address, language settings, dates and times of connecting to a Site and other technical communications information), some of which may constitute Personal Data
Use of Information
Business and Commercial Purposes for Use of Personal Information
Marketing/Prospecting: communicating with you via any means (including via email, telephone, text message, social media, post or in person) subject to ensuring that such communications are provided to you in compliance with applicable law; and maintaining and updating your contact information where appropriate
Operation of our Sites: operation and management of our Sites; providing content to you; displaying advertising and other information to you; and communicating and interacting with you via our Sites
IT operations: management of our communications systems; operation of IT security; and IT security audits
Health and safety: health and safety assessments and record keeping; and compliance with related legal obligations
Financial management: sales; finance; corporate audit; and vendor management
Research: conducting market or customer satisfaction research; and engaging with you for the purposes of obtaining your views on our products and services
Security: physical security of our premises (including records of visits to our premises and CCTV recordings); and electronic security (including login records and access details, where you access our electronic systems)
Investigations: detecting, investigating and preventing breaches of policy, and criminal offences, in accordance with applicable law
Legal compliance: compliance with our legal and regulatory obligations under applicable law
Legal proceedings: establishing, exercising and defending legal rights
Improving our products and services: identifying issues with existing products and services; planning improvements to existing products and services; and creating new products and services
Risk Management: Audit, compliance, controls and other risk management
Fraud prevention: Detecting, preventing and investigating fraud
Disclosure of Information
Categories of Third Parties to Whom Personal Information is Disclosed
This law affects every phase of the lending process and prohibits discrimination on the basis of:
Home Mortgage Disclosure Act (HMDA)
This law affects every phase of the lending process and prohibits discrimination on the basis of:
You and, where appropriate, your family, your associates and your representatives
Anti-fraud services
Accountants, auditors, financial advisors, lawyers and other outside professional advisors to equity unlimited, subject to confidentiality
Data aggregation services
Accreditation bodies
Third party service providers (such as payment services providers; shipping companies; etc.)
Governmental, legal, regulatory, or other similar authorities and/or local government agencies, upon request or where required
Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties
Any relevant third party acquirer(s), in the event that we sell or transfer all or any relevant portion of our business or assets (including in the event of a reorganization, dissolution or liquidation)
Sale of Personal Information
PHAM & PARTNERS LLC d/b/a equity unlimited NMLS ID: 1419982 does not offer an opt-out from the sale of personal information because equity unlimited does not engage in the sale of personal information as contemplated by the CCPA.
As noted elsewhere in this disclosure, we share personal information with other businesses for a variety of reasons. While we often benefit from such exchanges, we do not share personal information for the sole purpose of receiving compensation for that information.
Changes to this Disclosure
We may change this disclosure from time to time. When we do, we will let you know by appropriate means such as by posting the revised disclosure on our CCPA web site page with a new “Last Updated” date. Any changes to this disclosure will become effective when posted unless indicated otherwise.
EQUITY UNLIMITED
6709 11th Avenue | Brooklyn, NY 11219
tel: 877-808-6868 | fax: 888-888-3526
eMail us at
privacy@equityunlimited.net
Revised Date: April 30th 2022
