This Champion Mortgage Company (NMLS #3030) Privacy Policy (“Privacy Policy”) describes how Champion Mortgage Company (hereinafter, “Champion Mortgage”) processes information collected on our website or through your online interactions with us (collectively, our "Services").

In some circumstances, we may provide you with additional or supplemental privacy notices to the extent they apply to you because of the products and services you obtain from us or different laws that may apply to you.

By using any of our Services, you acknowledge the privacy practices we describe in this Privacy Policy. You also acknowledge that you have read this policy and other policies described.

We collect information you provide to us. For example, we collect information from you when you create an online account; fill out a form or otherwise submit content through our Services; are referred to us via one of our third-party professional partner relationships; make a purchase; communicate with us via third-party platforms; request customer support or information about our Services; use the chat function on our Services; or otherwise communicate with us.

The specific information we collect depends on the context in which you provide it, and could include:

• Name
• Email address
• Postal address
• Phone number
• Social Security number
• Location and approximate value of your property
• Age and/or date of birth
• Demographic information, such as race, ethnicity, and gender gathered pursuant to federal requirements
• Related loan products or services you have used in the past
• Financial information, such as income, assets, and net worth
• Home ownership status and employment status
• Insurance information
• Other profile data, including your interests and preferences
• Any other information you provide

We automatically collect certain information about your interactions with us or our Services, including:

• Transactional information: When you complete a transaction, we collect information about the transaction, such as service details, financial details and the date and location of the transaction.
• Device and usage information: We collect information about how you access our Services, including data about the device and network you use, such as hardware model, operating system version, mobile network, IP address, unique device identifiers and device regional and language settings, browser type, and app version. We also collect information about your activity on our Services, such as access times, pages viewed, links clicked, products and services considered, and the page you visited before navigating to our Services.
• Your content: As you allow through your device or application, we may collect information and content stored on your device, such as photos.
• Location information: In accordance with your device permissions, we may collect information about the precise location of your device. You may stop the collection of precise location information at any time (see the Your Choices section below for details).
• Information collected by cookies and similar tracking technologies: We (and those who perform work for us) use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Services.
  • Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience; see which areas and features of our Services are popular and which emails and advertisements you view; authenticate users; reconstruct or observe activity relating to a session or by a user for troubleshooting, issue resolution, and other purposes; personalize advertisements; conduct analytics; and count visits to our website.
  • Web beacons (also known as "pixel tags" or "clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness.
  • For example, our apps may include software development kits (known as SDKs) which are code that sends information about your use to a server. These SDKs allow us to track our conversions and provide you additional functionality.

We obtain information from third-party sources in certain situations. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), mailing list providers, service providers, and data brokers.

The information we receive from such third parties varies depending on the information made available by those entities. Examples of the types of information we receive include financial account information, information about account balance, information about credit accounts, information about loan accounts, information about investment accounts, identifiers and information about account owners, information about account transactions, and employment information.

We may derive information or draw inferences about you based on the information we collect. For example, we may make inferences about your location based on your IP address or city or postal code or infer that you are looking to purchase certain products based on information you provide to us and your browsing behavior and past purchases. We may incorporate products and services that use artificial intelligence, including large language models and machine learning, to derive this information and draw these inferences.

We use the information we collect to provide our Services to you.

We also use the information we collect to:

• Fulfill or deliver the services you requested
• Provide, maintain, improve, and develop new products, services, and features, including debugging and repairing errors in our Services
• Personalize your experience with us
• Send you technical notices, security alerts, support messages, and other transactional or relationship messages, including responding to your inquiries and comments
• Monitor and analyze trends, usage, and activities in connection with our products and services; we may incorporate products and services that use artificial intelligence, including large language models and machine learning, to help us with this processing
• Detect, investigate, and help prevent security incidents and other malicious, deceptive, fraudulent, or illegal activity, and help protect the rights and property of Champion Mortgage and others
• Comply with our legal and financial obligations
• Create de-identified, anonymized, or aggregated information
• Fulfill any other purpose at your direction

We share personal information in the following circumstances or as otherwise described in this policy. Champion Mortgage shares your information with non-affiliated third parties in the following circumstances:

• We share personal information with vendors, service providers and consultants that access personal information to perform services for us, such as companies that assist us with web hosting, shipping and delivery, payment processing, fraud prevention, customer service, data analytics, property title and appraisal services, and technical support
• We may disclose personal information if we believe that disclosure is in accordance with, or required by, any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.
• We may share personal information if we believe (1) that your actions are inconsistent with our user agreements or policies, (2) that you have violated the law, or (3) it's necessary to protect the rights, property, and safety of Champion Mortgage, our users, the public, or others.
• We share personal information with our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.
• We may share personal information in connection with, or during negotiations concerning, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
• We share personal information with your consent or at your direction, including but not limited to through third-party integrations you choose to enable. This includes sharing personal information with third-party professionals that you identify, including your real estate agent, financial consultant, legal representation, or other professional.
• We also share aggregated or de-identified information that cannot reasonably be used to identify you.
• If you have opted-in or consented to receive text messages, your consent to such messages will not be shared with any third parties.

As noted above, we use your personal information to communicate with you and to provide news and information that we think will interest you.

In some of our communications, including our online chat, outbound calls we make to you, and inbound calls when you reach out to us, we might use artificial intelligence to provide information and respond to your questions. Sometimes that means that you are speaking with AI-generated voice while on the phone, or with an AI assistant when you are chatting online.

As noted above, we use cookies to ensure that the Services function and to optimize user experience. You can manage cookies directly at your browser level.

We share personal information to allow others to provide us with analytics services. These entities may use cookies, web beacons, device identifiers, and other technologies to collect information about your use of our Services and other websites, including your IP address, web browser, mobile network information, pages viewed, time spent on pages, links clicked, and conversion information.

This information may be used by Champion Mortgage to, among other things, analyze and track data, reconstruct or observe activity relating to a session, determine the popularity of certain content, and better understand your online activity.

Champion Mortgage products are not intended for children. We don't direct our Services to children under 16 or knowingly attempt to solicit or receive information from children.

California law permits residents of California to request certain details about how their information is shared with third parties for direct marketing purposes. If you're a California resident and would like to make such a request, please call us at 833-755-2085.

Champion Mortgage is headquartered in the United States and offers goods and services to consumers in the United States. We have operations and vendors in the United States and other countries. Therefore, we and those that perform work for us may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction.

You may opt out of promotional emails by following the unsubscribe link in email messages or by updating your preferences with us. You also may have the right to opt out of certain phone calls and text messages. Please visit the Flagstar Bank website to learn more.

Our telephone calls are recorded, both by us and third-party service providers, for quality assurance purposes, as well as for fraud detection, troubleshooting, and complaint resolution. If you do not wish to have phone calls recorded, you must choose an alternative communication method, such as email.

Our website chats are powered by AI and recorded for quality assurance by us and third parties. If you do not wish to have those chats recorded, you must close the chat function and choose an alternative communication method.

You may update and correct certain account information by signing in to your account or calling us at 833-755-2085 . Please note that we may retain certain information as required by law or for our legitimate business purposes.

You may be using an internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. We do not collect data about your online activities over time and across different websites. As a result, this website does not recognize browser do not track signals.

We use reasonable measures to protect the confidentiality and security of the personal information that you provide to us or that we otherwise collect and process.

We may change this Champion Mortgage Privacy Policy from time to time. If we make changes, we'll notify you by revising the date at the top of this policy, and in some cases, we may provide you with additional notice, such as adding a statement to our website or sending you a notification. We encourage you to review this policy regularly to stay informed about our information practices and the choices available to you.

If you have questions regarding this Champion Mortgage Privacy Policy, our information practices, or other aspects of privacy relating to our Services, call us at 833-755-2085.