Privacy Policy
Effective Date: June 1, 2024
Last Updated: June 1, 2024
1. Introduction
MOR Financial Services, Inc. (“we,” “us,” “our”) is committed to protecting the privacy of our users (“you,” “your”). This Privacy Policy outlines our practices regarding the collection, use, and sharing of your personal information. We comply with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).
2. Disclosure Requirements
Privacy Policy
We provide a clear and accessible privacy policy detailing the types of personal information we collect, the purposes for which we use the information, and the categories of third parties with whom we share the information.
Notice at Collection
At or before the point of collection, we will inform you about the categories of personal information collected and the purposes for which the information will be used.
3. Consumer Rights
Right to Know
You have the right to request details about the personal information we have collected about you, including:
- The categories of personal information collected
- The sources from which personal information is collected
- The purposes for collecting the personal information
- The categories of third parties with whom the information is shared
Right to Delete
You can request the deletion of personal information that we have collected from you, subject to certain exceptions.
Right to Opt-Out
You can opt-out of the sale of your personal information. We provide a “Do Not Sell My Personal Information” link on our website for this purpose.
Right to Correct
You have the right to correct inaccurate personal information that we hold about you.
Right to Limit Use of Sensitive Personal Information
Under CPRA, you have the right to limit the use and disclosure of your sensitive personal information.
4. Data Security
We implement and maintain reasonable security procedures and practices to protect personal information from unauthorized access, destruction, use, modification, or disclosure.
5. Non-Discrimination
We will not discriminate against you for exercising any of your CCPA/CPRA rights. This includes:
- Not denying goods or services
- Not charging different prices or rates
- Not providing a different level or quality of goods or services
6. Business Obligations
Data Processing Agreements
We have contracts with our service providers that stipulate specific privacy and data protection requirements.
Annual Audits and Risk Assessments
For businesses whose processing presents significant risks to consumers’ privacy or security, we conduct annual audits and submit risk assessments as required by CPRA.
7. Enforcement and Penalties
California Privacy Protection Agency (CPPA)
The CPPA has the authority to enforce privacy laws, investigate violations, and impose penalties.
Private Right of Action
Consumers have a private right of action for certain data breaches, allowing them to sue businesses directly.
8. Record Keeping
We maintain records of consumer requests and our responses for at least 24 months.
9. Applicability
The CCPA applies to businesses that meet one or more of the following thresholds:
- Have annual gross revenues in excess of $25 million
- Annually buy, receive, sell, or share the personal information of 100,000 or more consumers or households
- Derive 50% or more of their annual revenues from selling consumers’ personal information
10. Updates and Revisions
We update this Privacy Policy at least once every 12 months to reflect any changes in our data collection and processing practices. The updated policy will be posted on our website with the effective date.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
- Email: [email protected]
- Phone: 1 (877) 667-1300
- Address: 111 W Ocean Blvd 4th Floor, Long Beach, CA 90802
By using our services, you acknowledge that you have read and understand this Privacy Policy.