California Consumer Privacy Act Notice
Last Updated: May 8, 2026
This CALIFORNIA CONSUMER PRIVACY ACT NOTICE (“Notice”) is provided by AMERIHOME MORTGAGE COMPANY, A Western Alliance Bank Company (“AmeriHome”, “we,” “us,” or “our”) and supplements our other privacy disclosures contained in our U.S. Consumer Privacy Notice and U.S. Online Privacy Notice. This Notice applies solely to visitors, users, and others who reside in the State of California (“Consumers,” “Consumer,” or “you”). We adopt this CALIFORNIA CONSUMER PRIVACY NOTICE (“Notice”) to comply with the California Consumer Privacy Act of 2018 as amended and the California Privacy Rights Act (“CPRA”) and the implementing Regulations. Any terms defined in the CCPA have the same meaning when used
in this Notice.
Purpose
The purpose of this Notice is to comply with California law, and provide you, the California consumer,
with a comprehensive description of our online and offline practices regarding collection, use, and
disclosure of personal information (“PI”) (as defined in the CCPA) and of your rights regarding your
personal information.
Coverage
The rights and protections contained in the CCPA apply to consumers which are defined as natural persons
who are California residents. The rights and protections under the CCPA do not apply to business entities
or natural persons who reside outside California, for other than transitory purposes.
Your Rights and Choices
Subject to certain exceptions under the law, the CCPA grants you the following rights:
-
The right to know what personal information the business has collected about you, including the categories
of personal information, the categories of sources from which the personal information is collected, the
business or commercial purpose for collecting, selling, or sharing personal information, the categories of
third parties to whom the business discloses personal information, and the specific pieces of personal
information the business has collected about you; - The right to delete personal information that the business has collected from you, subject to certain exceptions;
- The right to correct inaccurate personal information that a business maintains about you;
-
If the business sells or shares personal information, the right to opt-out of the sale or sharing of their
personal information by the business; -
If the business uses or discloses sensitive personal information for reasons other than those set forth in
section 7027, subsection (m) of the Regulation, the right to limit the use or disclosure of sensitive personal
information by the business; - The right to request the categories of personal information that we disclosed about you for a business purpose;
-
The right not to receive discriminatory treatment by the business for the exercise of privacy rights conferred
by the CCPA, including an employee’s, applicant’s, or independent contractor’s right not to be retaliated
against for the exercise of their CCPA rights.
Note: AmeriHome does NOT “sell” or “share” (as defined in CCPA) consumer information. Additionally,
AmeriHome does NOT use or disclose sensitive personal information for purposes other than those specified
in section 7027, subsection (m) of the Regulation.
To access your rights, please send a Verified Request to [email protected], call us toll-free at 844-600-1783, or submit your request through a written request addressed to:
Western Alliance Bank, AHM CCPA Privacy Inquiries – Corporate Compliance, 1 East Washington Street,
Suite 1400, Phoenix, AZ 85004.
If you have a loan serviced with us, you may also submit your request through your password protected account. For more information, please see the
Submitting a Verified Request section below.
Categories of Personal Information We Collect
We collect information that identifies, relates to, describes, is reasonably capable of being associated with,
or could reasonably be linked, directly or indirectly, with a particular consumer or household (personal information).
In the preceding 12 months, AmeriHome has collected the following categories of personal information about Consumers:
| Categories of Personal Information We Collect | Description, Including Examples Under the CCPA | Categories of 3rd Parties With Whom Personal Information Was Disclosed |
|---|---|---|
| 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. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: Advertising Networks, Data Analytics Providers, Client Relationship Management Software |
| B. California Customer Records (per the 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. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: Advertising Networks, Data Analytics Providers, Client Relationship Management Software |
| C. Characteristics of protected classifications under California or federal law. |
Race, color, religion, sex/gender, marital status, military or veteran status, national origin (including from language use or possession of special driver’s license), ancestry, age, familial status, receipt of public assistance, and exercising consumer rights. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: N/A |
| D. Commercial information. | Records of products or services obtained including prior loans obtained, existing assets and outstanding liabilities. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: Advertising Networks, Data Analytics Providers, Client Relationship Management Software |
| E. Biometric information. | Voice recordings as part of call recordings. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: N/A |
| F. Internet or other electronic network activity information. |
Browsing history, search history, information on a consumer’s interaction with an internet website, application, or advertisement. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: Advertising Networks, Data Analytics Providers, Client Relationship Management Software |
| G. Geolocation data. | Physical location or movements only as recorded as part of any electronic signature records. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: N/A |
| H. Audio, electronic, visual, thermal, olfactory, or similar information. | Audio, electronic, or similar information, as part of any voice call recordings. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: N/A |
| I. Professional or employment-related information. | Current or past job history or performance evaluations. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: N/A |
|
J. Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. Sec. 1232g; 34 C.F.R. Part 99). |
Educational records directly related to a student that are maintained by an educational institution such as years in school or student loans obtained. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: N/A |
| K. Inferences. |
Derivation of information, data, assumptions, conclusions, from facts, evidence or another source of data drawn from any of the information identified above to create a profile about a Consumer reflecting the Consumer’s preferences, characteristics, or tendencies with respect to obtaining a mortgage loan. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: Advertising Networks, Data Analytics Providers, Client Relationship Management Software |
| L. Sensitive personal information. |
Social security, driver’s license, state identification card, or passport number, account log-in, financial account, debit card, or credit card number, precise geolocation. Racial or ethnic origin, contents of mail, email, and text messages. |
Existing Customers: Our sharing of these Categories of PI with 3rd parties is covered by GLBA and FCRA exceptions (see Exceptions to CCPA below) Non-Customers: N/A |
Exceptions to the CCPA
Personal information subject to the CCPA does not include:
- Publicly available information that is lawfully made available from government records; and
- De-identified or aggregated consumer information.
In addition, some of the rights granted you in the CCPA do not apply to some of the information we have collected
and disclosed in the categories listed above, if it is information:
-
Regarding certain medical information governed by the Health Insurance Portability and Accountability Act of 1996
(HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; -
Involving the collection, maintenance, disclosure, sale, communication, or use of certain personal information
bearing on your credit worthiness, credit standing, credit capacity, character, general reputation, personal
characteristics, or mode of living by a consumer reporting agency, by a furnisher of information, and by a user
of a consumer report, to the extent such activity is subject to regulation under and authorized by the Fair Credit
Reporting Act (FCRA); -
Regarding certain personal information collected, processed, sold, or disclosed pursuant to the California
Financial Information Privacy Act (FIPA), the GrammLeach-Bliley Act (GLBA)
(see our separate US Consumer Privacy Notice), or the Driver’s Privacy Protection Act of 1994.
If you request your rights related to information that is not covered by the CCPA, we will so inform you in our
response to your Verified Request.
Categories of Sources From Which We Receive Personal Information
We obtain the categories of personal information listed above about consumers from the following categories of sources:
- From you or your agent
- Advertising Networks
- Lead Generator Services
- Internet Service Providers
- Client Relationship Management Software
- Data Analytics Providers
- Government Entities
- Operating Systems and Platforms
- Social Networks
- Consumer Reporting Agencies or Consumer Data Resellers
- From other 3rd party service providers with which we contract.
Our Business or Commercial Purposes for Collecting Personal Information
We or our service providers use your personal information for our operational purposes, or other notified purposes,
of which uses we strive to ensure are reasonably necessary and proportionate to achieve our operational purposes for
which we collect your information in the first place, or for which we process your information, or for another
operational purpose that is compatible with the context in which we collect your personal information. For example,
the following are business purposes for which we collect or share your information:
-
Performing services on behalf of AmeriHome or a Service Provider, including maintaining or servicing accounts,
providing or fulfilling orders and transactions, verifying customer information, processing payments, providing
financing, providing advertising, or marketing services, providing analytic services, providing support and
responding to your inquiries, or providing similar services on behalf of AmeriHome or a Service Provider; -
Auditing related to a current interaction with a Consumer and concurrent transactions including, but not limited to,
counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, auditing compliance
with this specification and other standards; -
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and
prosecuting those responsible; - Debugging to identify and repair errors that impair existing intended functionality;
-
Short-term or transient use, provided that the personal information is not disclosed to another third-party and is
not used to build a profile about a Consumer or otherwise alter an individual Consumer’s experience outside the
current interaction, including, but not limited to, the contextual customization of ads shown as part of the same
interaction; - Undertaking internal research for technological development and demonstration;
-
Carrying out of our obligations and enforcement of our rights arising from any contracts entered into between you
and us; - Responding to law enforcement requests and as required by applicable law, court order, or governmental regulations;
-
Evaluation or conducting of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or
transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar
proceeding, in which personal information held by us is among the assets transferred; -
Any other purpose described to you during collection of your personal information or as otherwise set forth in the
CCPA/CPRA; and -
Undertaking activities to verify or maintain the quality or safety of a service or device that is owned,
manufactured, manufactured for, or controlled by AmeriHome, and to improve, upgrade, or enhance the service or
device that is owned, manufactured, manufactured for, or controlled by AmeriHome.
Categories of Third Parties With Whom We Disclose Personal Information
In order to fulfill our business and commercial purposes, including to fulfill the transaction, service your account,
or market our products and services to you, we share personal information with the following categories of third
parties with whom we contract:
- Advertising Networks
- Internet Service Providers
- Data Analytics Providers
- Government Entities
- Operating Systems and Platforms
- Law, Consulting or other Professional Practice Firms
- Consumer Reporting Agencies or Consumer Data Resellers
- To other 3rd party service providers with which we contract
Right to Access and Request Deletion of Your Personal Information
The CCPA provides Consumers the right to request, pursuant to a “Verified Request,” that AmeriHome provide access to
and/or delete any personal information about the Consumer which AmeriHome collected from the Consumer, subject to
certain exceptions.
This right to request deletion is not absolute and is subject to several restrictions and exemptions. AmeriHome
reserves all rights granted pursuant to the CCPA’s exemptions and restrictions relating to the deletion of personal
information.
In the event that we receive a “Verified Request” to delete information that is not covered by a restriction or
exemption, we will notify you within 45 days and delete your personal information from our records and direct any
Service Providers to delete your personal information from its records. In the event that we receive a “Verified
Request” to delete information that is covered by a restriction or exemption, we will deny your request and within
45 days provide you a response indicating why it is denied.
Submitting a Verified Request
A Verified Request is a request submitted by a Consumer, or a person registered with the Secretary of State and
authorized by the Consumer to act on the Consumer’s behalf (Authorized Agent), to exercise rights under the CCPA for
which AmeriHome is able to verify that the identity of the Consumer making the request, or on whose behalf the request
is made, is the Consumer about whom we have collected the personal information.
You may submit a Verified Request by emailing
[email protected], calling us toll-free at
844-600-1783, or through a written request addressed to:
Western Alliance Bank, AHM CCPA Privacy Inquiries – Corporate Compliance, 1 East Washington Street,
Suite 1400, Phoenix, AZ 85004. We will only consider a request to be a “Verified Request” if we can identify
you by comparing personal information you provide with personal information contained in our records including name,
property address and last four digits of social security number. If you have a loan serviced with us, you may also
submit your request through your password protected account. If you do not have an account with us but believe we may
still have your personal information, we may require additional methods of verification, including a statement signed
under penalty of perjury. We will not use any additional information you provide pursuant to a Verified Request for
any purpose other than confirming your identify to fulfil the Verified Request.
You may only make a request for personal information from us twice in a 12-month period. We will respond within
45 days of receiving the request. The time period to provide the required information may be extended once by an
additional 45 days when reasonably necessary with notice to you of the extension within the first 45-day period.
The disclosure required pursuant to a “Verified Request” shall only cover the 12-month period preceding our receipt
of the “Verified Request” and shall be made in writing and delivered to you either by mail or electronically at your
option. We are not obligated to provide information to you or your Authorized Agent if we cannot verify your identity,
or if we cannot verify that the person making a request on your behalf is authorized by you to do so.
Where Right to Delete Does Not Apply
We may deny your deletion request if we cannot verify your identity, we cannot verify the authorization of your agent,
if the information was not collected from you or is otherwise not subject to the rights granted by the CCPA
(see Exceptions to the CCPA above), or, if retaining the information is necessary for us
or our Service Providers to:
-
Complete the transaction for which we collected the personal information, provide a good or service that you
requested, take actions reasonably anticipated within the context of our ongoing business relationship with you,
or otherwise perform our contract with you. -
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute
those responsible for such activities. - Debug products to identify and repair errors that impair existing intended functionality.
-
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another
right provided for by law. - Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
-
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that
adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render
impossible or seriously impair the research’s achievement, if you previously provided informed consent. - Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Additionally, we will utilize the aforementioned criteria to determine the appropriate retention period for each
category of personal information.
Sale/Sharing of Personal Information
AmeriHome does not “sell” or “share” (as defined in CCPA) consumer information
nor have we sold your personal information in the preceding 12 months outside of the permitted sharing, disclosures,
or transfers made pursuant to the exemptions of the Gramm-Leach-Bliley Act or the Fair Credit Reporting Act.
Personal Information About Minors
We do not knowingly collect or disclose the personal information of minors under the age of 16 without affirmative
authorization, nor does AmeriHome have knowledge that we sell or share the personal information of minors less than
the age of 16.
Our amerihome.com websites are intended only for those persons with legal capacity to contract for a loan. We do not
knowingly collect personally identifiable data from persons less than the age of 16, and we strive to comply with the
provisions of COPPA (The Children’s Online Privacy Protection Act). If you are a parent or legal guardian and think
your child less than 16 has provided us with information, please contact us at
[email protected]. You can also write to us at the address listed at the
end of this website Policy. Please mark your inquiries “COPPA Information Request.” Parents, you can learn more about
how to protect children’s privacy on-line at
https://consumer.ftc.gov/articles/protecting-your-childs-privacy-online
to view the FTC’s guide to protecting your child’s privacy online.
Your Right Not to Be Discriminated Against
The CCPA prohibits AmeriHome from discriminating against a Consumer because the Consumer exercised any of the
Consumer’s rights under the CCPA including, but not limited to:
- Denying goods or services to the Consumer;
-
Charging different prices or rates for goods or services, including through the use of discounts or other benefits
or imposing penalties; - Providing different level or quality of goods or services to the Consumer;
-
Suggesting that the Consumer will receive a different price or rate for goods or services or different level of
goods or services.
However, AmeriHome shall be permitted to charge you a different price or rate, or provide a different level or quality
of good or service to you, if that difference is reasonably related to the value provided to us by your data, should
you elect to participate in any financial incentive program as we may offer from time to time, and only after we
clearly describe the material terms of the financial incentive program. We will not use financial incentive programs
that are unjust, unreasonable, coercive, or usurious.
Changes to Our California Consumer Privacy Policy
We reserve the right to amend this Notice at our discretion and at any time. When we make changes to this Notice,
we will notify you by email or through a notice on our website homepage.
Contact Us
If you have any questions, comments, or concerns regarding our California Consumer Privacy Notice and/or practices
with respect to personal information, please send an email to
[email protected], call us toll-free at
844-600-1783, or submit your request through a written request addressed to:
Western Alliance Bank, AHM CCPA Privacy Inquiries – Corporate Compliance, 1 East Washington Street,
Suite 1400, Phoenix, AZ 85004.