Exemptions

Under the California Consumer Privacy Act, Golden Empire Mortgage, Inc. (“GEM”) is not required to comply with a request to delete a Consumer’s Personal Information when it is necessary to maintain that information for one or more of the following purposes:

• To complete a mortgage loan transaction, to provide goods and services requested or reasonably anticipated by the Consumer within the context of GEM’s ongoing business relationship with the Consumer, or as necessary to perform GEM’s legal or contractual obligations with the Consumer.
• To detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and to prosecute, or assist in the prosecution of those responsible for such activity.
• To debug to identify and repair errors that impair existing intended functionality.
• To exercise free speech, ensure the right of another consumer to exercise their free speech rights, or to exercise another right provided for by law.
• To comply with the California Electronic Communications Privacy Act.
• To engage in public or private peer-reviewed scientific, historical, or statistical research in the public interest where the deletion of the information is likely to render impossible or seriously impair such research and the consumer has provided informed consent.
• To enable internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with GEM.
• To comply with GEM’s legal obligations.
• To internally use a consumer’s personal information in a lawful manner that is compatible with the context in which the consumer provided the information to GEM.
• To comply with federal, state, and/or local laws.
• To comply with civil, criminal, or regulatory inquiries, investigations, subpoenas, or summonses issued by federal, state, or local authorities.
• To cooperate with law enforcement agencies concerning conduct or activity that GEM, any GEM Service Provider, or Third Party reasonably and in good faith believes may violate federal, state, and/or local law.
• To exercise or defend against legal claims.
• To collect, use, retain, sell, or disclose consumer information that is deidentified or aggregated.
• To collect or sell consumer personal information in connection with transactions that do not involve California residents.

GEM is also not required to delete Consumer Personal Information to the extent that information constitutes personal information under either the federal Gramm-Leach-Bliley Act and its implementing regulations or the California Financial Information Privacy Act.