Effective Date: August 1, 2025
This California Privacy Notice supplements the information in our Privacy Policy and applies only to residents of California under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).
If you are a California resident, you have specific rights regarding your personal information.
In the past 12 months, O2 Mortgage LLC (“O2 Mortgage,” “we,” “our,” or “us”) has collected the following categories of personal information from users of TheMortgageMonitor.com:
| Category | Examples | Collected |
|---|---|---|
| Identifiers | Name, email address, phone number, IP address | Yes |
| Customer Records | Mailing address, employment information, income data | Yes |
| Protected Characteristics | Age, marital status, veteran status (if provided) | Yes |
| Commercial Information | Mortgage preferences, property interests, purchase history | Yes |
| Internet/Network Activity | Browsing history, clickstream data, referring URLs | Yes |
| Geolocation Data | Approximate location derived from IP | Yes |
| Professional Information | Employer name, occupation, income (if provided) | Yes |
| Sensitive Personal Information | Social Security number, driver’s license, financial account data (only if voluntarily provided in forms) | Yes |
| Inferences | Insights about mortgage preferences and loan eligibility | Yes |
We do not collect biometric data, precise geolocation, or information about minors under 18.
We collect personal information from the following sources:
Directly from you when you complete forms, inquiries, or applications
Automatically through your interaction with our Website
From third-party analytics, marketing, and advertising partners
From public databases and government records (if necessary for mortgage verification)
We use your personal information to:
Process mortgage-related inquiries and applications
Respond to requests and provide customer service
Deliver relevant updates, newsletters, and promotional materials
Improve our Website and services
Comply with federal, state, and local lending regulations
We may share your personal information with:
Service Providers: Vendors that process data, verify applications, or host our Website
Business Partners: Mortgage lenders, brokers, and related partners (only with consent)
Regulatory Agencies: When legally required for compliance purposes
In Business Transfers: If O2 Mortgage undergoes a merger, acquisition, or sale of assets
We do not sell your personal information in exchange for money. However, under CCPA/CPRA definitions, we may “share” certain information with marketing and analytics providers to deliver relevant offers.
As a California resident, you have the following rights:
You may request that we disclose:
What categories of personal information we collect
The sources of that information
The purposes for which we use it
The categories of third parties with whom we share it
You may request that we delete any personal information we have collected about you, subject to legal or regulatory retention requirements.
You may request corrections to inaccurate personal information we maintain.
You may opt out of having your personal information shared with third parties for cross-context behavioral advertising.
You may request that we limit the use of sensitive personal information (e.g., Social Security number, income details) strictly to what’s necessary to provide requested services.
We will not discriminate against you for exercising your privacy rights under CCPA/CPRA.
You may submit a request to exercise your rights in any of the following ways:
Email: info@themortgagemonitor.com
Phone: +1-720-308-0055
Mail: 3800 Arapahoe Ave., Suite 210, Boulder, Colorado 80303
We will verify your identity before processing your request.
You may designate an authorized agent to make CCPA/CPRA requests on your behalf by providing us with written authorization and verifying your identity directly with us.
We retain personal information only as long as necessary to fulfill the purposes for which it was collected or as required by applicable laws and lending regulations.
We may update this CCPA/CPRA Privacy Notice periodically. When we make changes, we will revise the “Last Updated” date at the top of this page. We encourage you to review this Notice regularly to stay informed about your rights and our practices.
For any questions about this Notice or our privacy practices, you can reach us at:
O2 Mortgage LLC dba Oxygen Mortgage
Attn: Privacy Officer
3800 Arapahoe Ave., Suite 210, Boulder, Colorado 80303
Email: info@themortgagemonitor.com
Phone: +1-720-308-0055
