CountryPlace Mortgage Privacy Policy

I. Our Commitment to Your Privacy

CountryPlace Mortgage, Ltd and its affiliates, including CountryPlace Acceptance Corporation, CountryPlace Acceptance GP, LLC, CountryPlace Acceptance LP, LLC, Inc., (�CountryPlace�, �Company� or �we�, �our� or �us�) respects the privacy of every individual visiting our website(s) (the "Website"), and recognizes that protecting the privacy and security of the personal information we collect about you in the course of using our services (�Services�) is an important responsibility. This Privacy Policy governs the Company and its affiliates� websites, their subdomains, and all portals, applications, products, services, events, and any interactive features, applications, or other services.  This Policy does not apply to other websites or platforms that have a different privacy policy.

By accessing or using the Website, you agree to be bound by all of the terms and conditions of this Privacy Policy and all of the terms incorporated herein by reference as posted at the time of your access or use. By using the Website or Services and/or submitting or collecting any personal data via the Website or Services, you accept and expressly consent and agree to our practices surrounding the collection, use, and sharing of your personal information in accordance with this Privacy Policy. IF YOU DO NOT CONSENT AND AGREE WITH THE TERMS OF THIS PRIVACY POLICY, YOU CANNOT, AND WE DO NOT AUTHORIZE YOU TO, ACCESS, BROWSE, OR USE THE WEBSITE OR SERVICES.

Our processing of personal information, such as your name, address, e-mail address, or telephone number, will be undertaken consistent with the requirements of applicable privacy laws, including, but not limited to, the California Consumer Privacy Act (�CCPA�), the California Privacy Rights Act (�CPRA�), the Virginia Consumer Data Protection Act of 2021, the Colorado Privacy Act of 2021, the Utah Consumer Privacy Act of 2022, and the Connecticut Personal Data Privacy and Online Monitoring Act.

II. Kinds of Information Collected by Us and How We Collect Information

We collect two basic types of information from you in conjunction with your use of the Website and � Personal Information and Automatically Collected Information (collectively, �Information�).

�Personal information� is any information that can individually identify you and includes, as an illustrative example and without limitation, your name, postal address, email address, telephone number, username and account password, account balance, credit information, payment history, Social Security Number, etc. We collect no Personal Information about you unless you specifically and knowingly provide it. We may also collect additional information, which may be Personal Information, as otherwise described to you at the point of collection or pursuant to your consent.�

�Automatically Collected Information� includes information that does not personally identify you, but may include, as an illustrative example and without limitation, tracking and usage information about your location, use of the Website and the Internet, etc.

Personal Information

There are a number of circumstances in which you voluntarily supply us with your Personal Information. The following lists the most common ways in which we collect your Personal Information:

�       When you send us a request for more information about the products, services, and information listed on a CountryPlace Mortgage Website;

�       When you send us financial and identification information in the course of using any of the tools on our Website or when you actively use our products or services;

�       When you send an email to our webmaster, so that we may respond to your message;

�       When you register for an account on the Website;

�       When you submit employment-related information provided on job applications submitted through the Website or electronically, including for example, job preferences, work history, and other Personal Information;

�       When you participate on social media accounts involving CountryPlace Mortgage;

�       When you submit questions, comments, or feedback through the Website, or otherwise; or

�       When you submit or knowingly volunteer Personal Information on any other place on the Website.

We may also collect Personal Information from the following entities:

�       From our affiliates, in particular, other CountryPlace and Cavco entities, including CountryPlace Acceptance Corporation, CountryPlace Acceptance GP, LLC, CountryPlace Acceptance LP, LLC, Cavco Durango, Cavco Homes, Cavco Homes Center, Cavco Texas, Cavco West, Chariot Eagle, Destiny Homes, Fairmont Homes, Fleetwood Homes, Friendship Homes, Lexington Homes, Nationwide Homes, Palm Harbor Homes, Palm Harbor Texas, Park Model RV�s, PHN Commercial and Standard Casualty.

�       From consumer reporting agencies regarding your credit history and/or creditworthiness.

�       From third parties, such as our network of external manufactured home retailers, dealers, contractors, builders and community owners, court records, county records, insurance agencies, Social Security Administration and the Internal Service Revenue.

Automatically Collected Information

Some information is automatically received and sometimes collected from you when you visit or use the Website or Services. The following lists the most common information that is automatically received or collected:

• The name of the domain and host from which you access the Internet, including the Internet Protocol (IP) address of the device you are using and/or the IP address of your Internet Service Provider (ISP);
• The type and version of Internet browser software you use and your operating system;
• The date and time you access the Website, the length of your stay, and the specific pages that you access while visiting the Website; and
• Cookies and other tracking technologies (such as pixel and beacons)

We use this information to monitor the usage of our Website, assess performance, ensure technological compatibility with your device, and understand the relative importance of the information provided on the Website. We may also use this data to conduct statistical analyses on visitors� usage patterns and other aggregated data.� We may collect this information in an anonymous and aggregated format.

Please note that under the California Consumer Privacy Act, Automatically Collected Information is a category of personal information, as defined therein.

Social Media Sites

When you interact with CountryPlace Mortgage on or through a social media platform, such as Facebook, Google, Twitter, or LinkedIn, we collect the Personal Information that you make available to us on that page or account, including your user ID and/or username, and any information you have made public in connection with that social media service. Please note, however, that we will comply with the privacy policies of the corresponding social media platform, and we will only collect and store such Personal Information that we are permitted to collect by these social media platforms.

Our Website includes social media widgets, such as Facebook, Twitter, and YouTube widgets. These features collect Automatically Collected Information about your IP address and which page you�re visiting on our Website, and they use a cookie to make sure their features function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with those features are governed by the privacy policies of the companies that provide them.

III. How We Use Your Information

We use the Information we collect from you and about you to help us personalize and continually improve your experience with the Website and the Services. You have no obligation to provide us with any of your Information, but you may not be able to use or access certain portions of the Website or the Services if you do not provide us with your Personal Information (and you cannot use our Website or Services without agreeing to the terms of this Privacy Policy).

As non-limiting examples, we use the Information we collect from and about you in the following ways:

• Providing the features, products and services you request;
• Registration and promotions;
• To communicate with you and provide you with information;
• When we perform our obligations under a contract with you;
• To follow federal and state regulations and audit purposes;
• To deliver to you relevant advertising;
• To provide you with other offers;
• To improve our Website, features, products and services;
• To detect and protect against security incidents and related malicious activity; and
• To undertake internal research for technological development and demonstration.

We will store your information only for the above stated purposes.

We have collected and shared the following categories of Personal Information from our consumers within the last twelve (12) months:

IV. How We Disclose Your Information

Generally, we do not disclose your Personal Information to third parties. However, we may disclose aggregated Automatically Collected Information without your permission. Further, we may use and disclose your information both internally and externally, including without limitation, as described herein.

We do not sell your Information to any �nonaffiliated third parties. However, you should be aware that CountryPlace Mortgage may use this Information that you supply about yourself for promotional or marketing purposes.

We will not disclose any Personal Information about our current or former customers or consumers to anyone, except in emergency situations, or as described below.�

In an emergency situation, we may also use or disclose your Personal Information if required to do so by law or in the good-faith belief that such action is necessary to (a) conform to applicable law or comply with legal process served on us or the Website, or the Services; (b) respond to requests from public and government authorities; (c) protect and defend our rights or property, the Website, the Services, or our users; or (d) act under emergency circumstances to protect the personal safety of us, our affiliates, agents, the users of the Website or Services, or the public.

We may disclose all of the information we collect about you to our affiliates and to nonaffiliated third-parties that perform services on our behalf.

We may disclose information we collect about you to our external network of manufactured housing retailers, dealers and community owners, court records, loan servicers, government-sponsored enterprises, private and financial institution investors.�

If we collect Personal Information from you to provide third-party financial products and services requested by you, such third-party's use of your Personal Information will be subject to their privacy policy as disclosed to you by them.

We sometimes engage third parties, such as contractors or consultants, to provide certain operational services to us or on our behalf. We may share your Information with those third parties on a "need to know" basis.

If we sell all or part of our business, or make a sale or transfer of our assets, or are otherwise involved in a merger or transfer of all or a material part of our business, or are involved in a bankruptcy, CountryPlace Mortgage may transfer your information to the party or parties involved as part of that transaction.

If you are a California resident and have an established business relationship with us, you can request a notice disclosing the categories of Personal Information we have shared with third parties, if any, for the third parties� direct marketing purposes, during the preceding calendar year. To request a notice, please submit your request to the contact information provided below. California law also permits residents of California to opt-out of CountryPlace Mortgage�s disclosure of Personal Information to third parties for their direct marketing purposes. You may choose to opt-out of the sharing of your Personal Information with third parties for marketing purposes at any time by submitting a request in writing to the contact information provided below. Please note that this opt-out does not prohibit disclosure made for non-marketing purposes.

V. Your Rights and Choices

You can see, review and change your information by sending a request to our webmaster at privacy@countryplacemortgage.com. At any time, you may request us to delete your information by sending us an email at privacy@countryplacemortgage.com.� Although, we will make every effort to delete your information from our databases and inform third-parties with whom we have shared to do the same. We retain Personal Information about you for as long as necessary to provide you the Services. In some cases, we retain Personal Information for longer, if doing so is necessary to comply with our legal obligations, or as otherwise permitted by applicable law. Afterwards, we may need to retain some of your information in our archives and records in order to comply with law, resolve disputes, troubleshoot problems, assist with any investigations, enforce our Terms and Conditions and other policies, and take other actions otherwise permitted by law.

If you are a California resident, you may have the following rights under the CCPA/CPRA in relation to personal information we have collected about you, to the extent required by the CCPA/CPRA and subject to verification:

Right to Know/Access: The right to request certain information about our collection and use of personal information about you as described below:

• The specific pieces of your personal information collected.
• The categories of your personal information collected.
• The categories of sources from whom your personal information is collected.
• The purpose for collecting your personal information.
• The categories of third parties with whom we have shared your personal information.

Right to Delete: You have the right to request that we delete certain personal information we have about you.

Freedom from Discrimination: You have the right to be free from unlawful discrimination for exercising any of your privacy rights.

Right to Correct: You have the right to request that we correct inaccurate personal information regarding the information you provide us.

Right to Restrict the Use of Sensitive Personal Information: You have the right to restrict the use of your sensitive personal information.

Right to Access Information on Automated Decision-Making: You have the right to access information collected through automated decision-making. Additionally, you can opt-out of our use of automated decision-making related to your personal information.

To make a request in relation to the above rights, please contact us using the information in Section 14 below. To fulfil your request, we will need to verify your identity. Only you or someone legally authorized to act on your behalf may make a request related to your personal information. To designate an authorized agent, the authorized agent must provide sufficient information that allows us to reasonably verify that you authorize them to act on your behalf.

VI. How We Store Your Information

Personal information collected on our Website and through our Services, or received by CountryPlace Mortgage from you or third parties may be stored or processed in the United States or any other country where our service providers maintain facilities.

The servers and databases in which information is stored may be located outside the country from which you accessed Services, and in a country that does not have the same privacy laws as your country of residence. The Personal Information you provide us may be transmitted abroad, but we will collect, process and use Personal Information only in accordance with this Privacy Policy.

If you choose to provide us with Personal Information, we may transfer that information to our affiliates and subsidiaries or to other third parties, across borders, and from your country or jurisdiction to other countries or jurisdictions around the world in accordance with legal requirements.

Employment-related information and queries may be transferred to any member of the CountryPlace Mortgage affiliates. By visiting this Website and our Services and submitting information, you consent to such collection, processing, transfer and/or storage of your Personal Information.

VII. How We Protect your Information

We have procedures in place that limit access to Personal Information to those employees and other individuals who need to know such information to provide products and services to you. We will maintain physical, electronic, and procedural safeguards to protect the confidentiality of your Personal Information as required by law. However, such precautions do not guarantee the absolute safety of your data, and CountryPlace Mortgage makes no guarantees, warranties, or representation that your information is protected from viruses and other security attacks. Further, while CountryPlace Mortgage follows appropriate procedures to ensure that third parties will keep your information secure, CountryPlace Mortgage cannot make any guarantees with respect to the actions or policies of such third parties.� You are also responsible for taking reasonable steps to protect your information against unauthorized disclosure or misuse such as by maintaining the confidentiality of your username and password and logging out of your account when not using the Website or Services.

VIII. Links on Our Website

Our privacy policies apply only to your use of the Website. The Website contains links to other sites, including sites on which you will find our logo, or sites for which we are sponsors. We are not responsible for the privacy practices of those sites, even if they bear our logo and name. Links to other sites do not imply an endorsement of the materials or policies on those Websites. You should read the privacy policies of each site you visit to determine what information that site may be collecting about you.

IX. How We Protect the Privacy of Children

�The Website and Services are not intended for use by children. Individuals under the age of 18 may not use the Website or Services. CountryPlace Mortgage does not knowingly collect any information from children. If you are under 18, do not attempt to register for the Website or Services or send us any personal information. By accessing, using and/or submitting information through the Website or Services, you represent that you are not younger than 18 and that you have authority to do so. If you are a parent or legal guardian of a minor child, you may, in compliance with this Privacy Policy, use the Website and Services on behalf of such minor child. Information you provide through the Website and Services on behalf of a minor child will be treated as Personal Information as provided herein. If you use the Website or Services on behalf of another person, regardless of age, you represent and warrant that you have authority to do so.

X. Tracking Tools, Behavioral Advertising, and Opt Out Options

Tracking Tools

We may use tools outlined below in order to provide the Website or Services, advertise to, and better understand users.

Cookies

When you interact with the Website, we automatically receive and record information on our server logs from your browser, including your IP address, �cookie� information, and the page you requested.

Cookies and other tracking technologies (such as pixels and beacons) are comprised of small bits of data that often include a de-identified or anonymous unique identifier. Websites, apps and other services send this data to your browser when you first request a web page and then store the data on your computer, so the website can access information when you make subsequent requests for pages from that service. We may use these technologies to collect and store information about your usage of the Website (such as the pages you have visited, content you have viewed, search queries you have run, and advertisements you have seen), which information is then used to understand your preferences so as to enable us to provide you with improved services in future visits, and to compile aggregate data about site traffic and interactions so that we can offer better experiences and tools in the future.

Most browsers are initially set to accept cookies, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the �Help� section of your browser for more information. Please note that by blocking any or all cookies, you may not have access to certain features, content, or personalization available through the Website.

Analytics

We, as well as third-party vendors acting on our behalf (such as Google), may use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the Google, Yahoo cookies) or other third-party identifiers to gather anonymous analytics and statistics about our Website and how it is are being used by our visitors so we can improve our Website. Our web server storage logs may collect the domain names, internet protocol addresses, the types of web browsers, and certain data of visitors to the Website.

Data about your activities online may be collected for use in providing advertising tailored to your individual interests, either by us, our affiliates, or third parties. We may work with third parties such as network advertisers and ad exchanges to serve advertisements across the internet and may use third party analytics service providers to evaluate and provide us and/or third parties with information about the use of these ads on third party websites and viewing of ads and of our content.

We and these third-party vendors, including Google, may use third-party technologies (such as a Facebook Custom Audience Pixel) together with our own first party technologies in order to analyze ad impressions, your use of ad services, and interactions with these ad impressions and ad services. The information collected may also include information about your visits to our Website, include the pages you have viewed and what content you have seen. These third-party tracking technologies may be set to, among other things: (a) help deliver advertisements to you that you might be interested in; (b) prevent you from seeing the same advertisements too many times; and (c) understand the effectiveness of the advertisements that have been delivered to you.

Behavioral Advertising

We may use a type of advertising commonly known as interest-based or online behavioral advertising.� This means that some of our partners use tracking tools to collect information about a user�s online activities to display CountryPlace Mortgage ads to the user based on the user�s interests (�Behavioral Advertising�). Our partners may include third-party advertisers and other third-party service providers, and such partners may collect information when you use the CountryPlace Mortgage Services, such as IP address, mobile device ID, operating system, and demographic information. These tracking tools help CountryPlace Mortgage learn more about our users� demographics and Internet behaviors.

Options for Opting Out of Cookies and Advertising

You can opt out of certain tracking and advertising, as follows:

1.     By visiting the Network Advertising Initiative consumer opt out page at http://optout.networkadvertising.org/,

2.     By using the Google Analytics Opt-out Browser Add-on available at https://tools.google.com/dlpage/gaoptout, or

3.     By visiting the Digital Advertising Alliance�s opt-out page at https://www.aboutads.info/choices.

�Do Not Track� (DNT) and Universal Opt-Out Preference Signals

Some web browsers (including Safari, Internet Explorer, Firefox, and Chrome) incorporate a �Do Not Track� (DNT) or similar feature that signals to web services that a visitor does not want to have their online activity and behavior tracked. If a web service operator elects to respond to a particular DNT signal, the web service operator may refrain from collecting certain personal information about the browser�s user. Not all browsers offer a DNT option and there is currently no industry consensus as to what constitutes a DNT signal. For these reasons, many web service operators, including CountryPlace Mortgage, do not proactively respond to DNT signals.� For more information about DNT signals, visit http://allaboutdnt.com.

New standards are being developed for a Universal Opt-Out Mechanism, such as the Global Privacy Control (GPC), which allow users with GPC-enabled browsers and devices to send a signal that will communicate the user�s request to opt-out of sales of their personal information and to opt-out of certain sharing of their personal information. The CPRA and other laws allow for the acceptance of Opt-Out Preference Signals such as the GPC, as an option for users to transmit an Opt-Out of selling or sharing personal information. If we detect and recognize such a signal from your device or browser, we will honor it.

XI. General

Users should be aware that CountryPlace Mortgage has no control over any information that users may disclose to other users of a CountryPlace Mortgage Website. Please notify CountryPlace Mortgage immediately if you discover that any user of a CountryPlace Mortgage Website is improperly collecting or using personally identifying information of users of the CountryPlace Mortgage Websites.

We know that online security is a serious matter. At CountryPlace Mortgage, we consider your online security an important factor of our commitment to overall customer satisfaction. For additional information on your privacy rights concerning data collected by Websites, refer to the Federal Trade Commission's How to Protect Your Privacy pamphlet.

The effective date of this Privacy Policy is set forth at the bottom of this webpage. We reserve the right to change or update this Privacy Policy at any time, without notice, by posting revisions on the Website. Your continued use of the CountryPlace Mortgage Services after the effective date of any amendment to this Privacy Policy constitutes your acceptance of the amended Privacy Policy. We encourage you to periodically review this page for the latest information on our privacy practices. Any amended Privacy Policy supersedes all previous versions. IF YOU DO NOT AGREE TO FUTURE CHANGES TO THIS PRIVACY POLICY, YOU MUST STOP USING THE CLIENT SERVICES AFTER THE EFFECTIVE DATE OF SUCH CHANGES.

This Privacy Policy is incorporated by reference in and is a part of the Terms of Use Agreement. If you have any questions or comments about this Privacy Policy, or if you want to exercise any of your rights outlined herein, please submit a verifiable consumer request to us at privacy@countryplacemortgage.com or you can reach us by regular mail at:

CountryPlace Mortgage, Ltd.

Attn: Privacy Policy

5100 Tennyson Pkwy., Suite 200

Plano, TX 75024

Last updated February 2024