Privacy Policy

Introduction

This Privacy Policy, in conjunction with our Privacy Notice, (Privacy Notice available below and at LennarMortgage.com), explains how Lennar Mortgage, LLC (“Lennar Mortgage,” “we,” “us,” or “our”) collect, use and disclose personal information about visitors to our websites, people we meet in person or by phone, our customers and prospective customers (each, “Consumer”, “you,” or “your”), and others whose personal information we collect and retain.

This Privacy Policy applies to:

• Information we receive and collect through LennarMortgage.com (“Site”) and any mobile application provided by or on behalf of Lennar Mortgage (collectively, our “Online Services”); and

• Information we receive and collect through email and other electronic means, off-line communications and in-person contacts (collectively with Online Services, “Services”).

Lennar Mortgage Affiliates is defined in our Privacy Notice under “Affiliates.”

• 1. Personal Information We Collect

  What is Personal Information?

  The term “personal information” as used in this Privacy Policy refers to information that identifies you as an individual or relates to you as an identifiable individual. We collect your personal information from you through your use of the Services, including the following types of personal information:

  Personal Information You Provide

  Depending on how you interact with our Services, we will collect the following personal information that you voluntarily provide to us for the following purposes:

  • Create an Account. If you create an account, you will provide us with your name, email address, phone number, and you will create a username and password for future logins.

  • Get Pre-Qualified. To get pre-qualified, you will provide us with your login credentials, name, email address, date of birth, social security number, citizenship status, marital status, phone number, and physical address.

  • Apply for a Mortgage Loan. To apply for a loan with Lennar Mortgage, you will provide us with your login credentials, name, email address, date of birth, social security number, citizenship status, marital status, phone number, and physical address, employment and income information, credit history, purchase property address, and any other additional information we may ask you to provide to assist us with rendering a credit decision. See additional details in Personal Information We Collect.

  • Contact Us. If you contact us, you will provide us with your name, email address, phone number, city of residence, state of residence, and any other information you choose to include.

  • Find a Branch. If you search for a branch in your area, you will provide us with your zip code.

  • Careers. If you apply for a job with us, you will provide us with your name, email address, phone number, physical address, employment history, and any other information you choose to provide. Our careers page is provided by iCIMS. iCIMS may collect, record, and store the information you provide in your application. Please review iCIM’s privacy policy here.

  • Share Your Story. If you provide feedback, you will provide us with your name, email address, city of residence, state of residence, and any other information you choose to include.

  Personal Information We Collect

  Category of Personal Information	Categories of Recipients
  Identifiers (name, postal address, online identifier, Internet Protocol address, email address, Social Security number)	Affiliates; website hosting providers; payment processors; order fulfillment providers; customer service providers; notaries and auditors; investors; telecommunications providers; marketing providers; government authorities
  Nonpublic personal information described in Gramm- Leach-Bliley Act (GLBA) as personally identifiable information (i) provided by a consumer to a financial institution, (ii) resulting from a transaction or any service performed for the consumer, or (iii) otherwise obtained by the financial institution.	Affiliates; payment processors; order fulfillment providers; customer service providers; notaries and auditors; investors; government authorities
  Commercial information (records of personal property, products or services purchased, obtained or considered; other purchasing or consuming histories or tendencies; transaction information)	Affiliates; order fulfillment providers; investors; customer service providers
  Demographic information, including characteristics of protected classifications under California or federal law (race, ethnicity, sex/gender, age (40 and older), citizenship status, marital status)	Affiliates; notaries and auditors; investors; government authorities

  Personal Information as You Navigate Our Online Services

  We automatically collect certain personal information through your use of our Online Services and our use of cookies and other online technologies. This personal information includes:

  • Identification Information – Any prior visits to the Online Services, your username and password to access your Lennar Mortgage Account and other personalized services.

  • Device Information – Your IP address, browser type, operating system and other usage information about the use of our Online Services.

  • Usage Information – Browsing history, search history, and information regarding your interactions with our Online Services and other websites, applications, or advertisements.

  • Location Information – Your IP address or mobile device identification transmits general information about your geolocation, and you may allow us to obtain more specific geolocation information.

    For more information on our cookie usage, see our “Cookies and Other Technologies” section.

• 2. How We Use Your Personal Information

  In addition to the purposes stated above, we may use all the personal information we collect in accordance with applicable law such as to:

  • Establish, maintain and service our customer accounts, provide customer service, process and or fulfill requests for information, contracts, orders and other transactions, verify customer information, provide financing, title, insurance or other home purchase related services through Lennar Mortgage Affiliates, and to engage in advertising, marketing, and online analytic services;

  • Process payment information for transactions with Lennar Mortgage;

  • Undertake activities to maintain the quality of Lennar Mortgage products and services and to improve, upgrade, and enhance those products and services, including research and development;

  • Manage our Online Services to maintain functionality, assess our users’ feedback so that we present information on your computer or mobile device in a user-friendly way, and to detect security incidents and protect against malicious, deceptive, fraudulent, or illegal activity and take appropriate action if needed;

  • Manage our contractual relations, protect our business interests, enforce our terms and conditions and comply with applicable laws by monitoring, investigating, and taking other actions to detect and prevent illegal or fraudulent activities and risks to the personal safety of any individual;

  • Comply with valid legal process and respond to appropriate governmental requests;

  • Facilitate the payment to your creditors if required for your loan transaction, including permitting the escrow service provider to list your full account number on a check or other payment instrument to your creditor;

  • Generate an insurance quote by our affiliate insurance company or another insurance company if you opted to receive a quote;

  • Fulfill any other purposes for which you provide it; and

  • For any purpose that is reasonably necessary to or compatible with the original purpose for which we collected the personal information as disclosed to you.

• 3. How We Share Your Personal Information

  We may share the personal information that we collect about you in the following ways:

  • With vendors who perform data or Site-related services on our behalf (e.g., email, hosting, maintenance, backup, analysis, etc.);

  • To the extent that we are required to do so by law;

  • In connection with any legal proceedings or prospective legal proceedings;

  • To establish, exercise, or defend our or a third party’s legal rights, including providing information to others for the purposes of fraud prevention;

  • With any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information;

  • With any other person or entity as part of any business or asset sale, equity transaction, merger, acquisition, bankruptcy, liquidation, or similar proceeding, or in preparation for any of these events;

  • With mortgage insurers, government agencies, our investors, warehouse lenders, or other parties who may insure your loan, purchase your loan or have a security interest in your loan;

  • With any other person or entity where you consent to the disclosure; and

  • For any other purpose disclosed by us when you provide the personal information or for any other purpose we deem necessary, including to protect the health or safety of others.

• 4. Cookies and Other Technologies

  Like many other companies, we use cookies and similar technologies on our Online Services (collectively, “Cookie”). Cookies are small files of information that are stored by your web browser software on your computer hard drive, mobile device, or other electronic device (e.g., a tablet).

  We use Cookies to:

  • Estimate audience size and usage patterns;

  • Understand and save your preferences for future visits, allowing us to customize the Online Services to

    your individual needs;

  • Compile aggregate data about site traffic and site interactions to resolve issues and offer better site experiences and tools in the future; and

  • Recognize when you return to the Site.

    We set some Cookies ourselves, while separate entities set other Cookies. We use Cookies other entities set to provide us with useful information, to help us improve our Online Services, to conduct advertising, and to analyze the effectiveness of advertising. For example, we use Cookies from Google.

Browser Settings

You can block Cookies by changing your Internet browser settings to refuse all or some Cookies. If you choose to block all Cookies (including essential Cookies) you may not be able to access all or parts of the Site.

You can find out more about Cookies and how to manage them by visiting www.AboutCookies.org or www.allaboutcookies.org.

Platform Controls

You can opt out of Cookies set by Google by following the instructions found at https://adssettings.google.com.

Advertising Industry Resources

You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt out of some of those Cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website.

Please note these opt-out mechanisms are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.

Google Analytics

We may use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies to help us analyze how users interact with the Online Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt out of tracking of analytics by Google, click here. If we use Google Analytics, there will be an opportunity for you to opt out of having such information collected.

Google reCAPTCHA

We use Google reCAPTCHA, a free service provided by Google, Inc., to protect our Site from spam and abuse. Google reCAPTCHA uses advanced risk analysis techniques to decipher humans and bots. Google reCAPTCHA works differently depending on what version is deployed. For example, you may be asked to check a box indicating that you are not a robot or Google reCAPTCHA may detect abusive traffic without user interaction. Google reCAPTCHA works by transmitting certain types of information to Google, such as the referrer URL, IP address, visitor behavior, operating system information, browser and length of the visit, cookies, and mouse movements. Your use of Google reCAPTCHA is subject to Google’s Privacy Policy and Terms of Service. More information as to Google reCAPTCHA and how it works is available here.

• 5. Opt-Out Preference Signals

  We do not engage in “sales” or “shares” as those terms are defined under applicable laws and therefore, our Site does not recognize the Global Privacy Control (“GPC”) signal. For more information and to download and use a browser supporting the GPC browser signal, click here: https://globalprivacycontrol.org/orgs. If you choose to use the GPC signal, you will need to turn it on for each supported browser or browser extension you use.

  Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Site does not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.

• 6. Security

  We maintain commercially reasonable security measures to protect the personal information we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your personal information, we cannot guarantee absolute security.

• 7. Third-Party Links

  The Online Services may contain links that will let you leave the Online Services and access another website. Linked websites are not under our control. We accept no responsibility or liability for these other websites.

• 8. Children’s Privacy

  The Site and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.

• 9. Notice for Nevada Residents Only

  Nevada law allows Nevada residents to opt out of the sale of certain types of personal information. Subject to several exceptions, Nevada law defines “sale” to mean the exchange of certain types of personal information for monetary consideration to another person. We do not currently sell personal information as defined in the Nevada law. However, if you are a Nevada resident, you still may submit a verified request to opt out of sales and we will record your instructions and incorporate them in the future if our policy changes. You may send opt-out requests as provided in the “How to Contact Us” section.

• 10. Notice for California Residents Only

  The California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020 (“CCPA”), requires that we provide California residents with a privacy policy that contains a comprehensive description of our online and offline practices regarding the collection, use, disclosure, sale, sharing, and retention of personal information and of the rights of California residents regarding their personal information. This section of the Privacy Policy is intended solely for, and is applicable only as to, California residents. If you are not a California resident, this section does not apply to you and you should not rely on it.

  The CCPA defines “personal information” to mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. Personal information does not include publicly available, deidentified or aggregated information or lawfully obtained, truthful information that is a matter of public concern. For purposes of this “Notice for California Residents Only” section we will refer to this information as “Personal Information.”

  The CCPA’s privacy rights described below do not apply to Personal Information that we collect, process, sell, or disclose subject to the federal Gramm-Leach-Bliley Act and its implementing regulations. Much of the Personal Information that we collect is exempt from the CCPA. Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Notice.

  Notice at Collection of Personal Information

  We currently collect and, in the 12 months prior to the Last Updated date of this Privacy Policy, have collected the following categories of Personal Information:

  • Identifiers (name, postal address, online identifier, Internet Protocol address, email address, Social Security number).

  • Unique personal identifiers (device identifier; cookies, beacons, pixel tags, mobile ad identifiers, or other similar technology; customer number, unique pseudonym or user alias; telephone numbers, or other forms of persistent or probabilistic identifiers that can be used to identify a particular consumer or device).

  • Personal information described in California’s Customer Records statute (California Civil Code § 1798.80(e)) (telephone number, employment, bank account number, credit card number, debit card number, as well as the categories listed in “Identifiers” category above).

  • Characteristics of protected classifications under California or federal law (race, color, sex/gender (including pregnancy, childbirth, breastfeeding and/or related medical conditions), sexual orientation, gender identity/expression, age (40 and older), religion (including religious dress and grooming practices), national origin, ancestry, disability (mental and physical including HIV/AIDS, cancer, and genetic characteristics), citizenship status, genetic information, marital status, medical condition (genetic characteristics, cancer or a record or history of cancer), military or veteran status, political affiliations or activities, status as a victim of domestic violence, assault or stalking, request for family care leave, request for leave for an employee’s own serious health condition, request for pregnancy disability leave, and retaliation for reporting patient abuse in tax-supported institutions).

  • Commercial information (records of personal property, products or services purchased, obtained or considered; other purchasing or consuming histories or tendencies; transaction information).

  • Internet or other electronic network activity information (browsing history; search history; and information regarding consumer’s interaction with website, application or advertisement).

  • Geolocation data.

  • Professional or employment-related information (including employment history).

  • Education information.

  • Inferences drawn from the above information to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

    We collect Personal Information directly from California residents and from credit reporting agencies, data brokers, public records, and Affiliates. We do not collect all categories of Personal Information from each source.

    In addition to the purposes stated above in the section “How We Use Your Personal Information” we currently collect and have collected the above categories of Personal Information for the following business or commercial purposes:

  • Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.

  • Helping to ensure security and integrity to the extent the use of your personal information is reasonably necessary and proportionate for these purposes.

  • Debugging to identify and repair errors that impair existing intended functionality.

  • Short-term, transient use, including, but not limited to, non-personalized advertising shown as part of your current interaction with us, provided that your personal information is not disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside the current interaction with us.

  • Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services.

  • Undertaking internal research for technological development and demonstration.

  • Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by us.

  • Advancing our commercial or economic interests.

  • Sale, Sharing, and Disclosure of Personal Information

    The following table identifies the categories of Personal Information that we disclosed for a business purpose in the 12 months preceding the Last Updated date of this Privacy Policy and for each category, the categories of recipients to whom we disclosed Personal Information:

    Category of Personal Information	Categories of Recipients
    Identifiers (name, postal address, online identifier, Internet Protocol address, email address, Social Security number)	Affiliates; website hosting providers; payment processors; order fulfillment providers; customer service providers; notaries and auditors; investors; telecommunications providers; marketing providers; government authorities
    Personal information described in California’s Customer Records statute (California Civil Code § 1798.80(e)) (telephone number, employment, bank account number, credit card number, debit card number, as well as the categories listed in “Identifiers” category above)	Affiliates; payment processors; order fulfillment providers; customer service providers; notaries and auditors; investors; government authorities
    Commercial information (records of personal property, products or services purchased, obtained or considered; other purchasing or consuming histories or tendencies; transaction information)	Affiliates; order fulfillment providers; investors; customer service providers
    Characteristics of protected classifications under California or federal law (race, color, sex/gender, age (40 and older), citizenship status, marital status)	Affiliates; notaries and auditors; investors; government authorities

  • We disclosed Personal Information for the following business or commercial purposes:

    • Helping to ensure security and integrity to the extent the use of your Personal Information is reasonably necessary and proportionate for these purposes.

    • Debugging to identify and repair errors that impair existing intended functionality.

    • Performing services, including maintaining or servicing accounts, providing customer service, processing, or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services.

    • Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by us.

    • Advancing our commercial or economic interests.

  • We have not sold or shared Personal Information in the twelve (12) months preceding the Last Updated date of this Privacy Policy. We do not collect, sell, or share Personal Information of consumers under 16 years of age. We do not use sensitive personal information for purposes other than those allowed by the CCPA and its regulations.

    Rights Under the CCPA

    If you are a California resident, you have the following rights to your Personal Information:

    1. The right to know what Personal Information we have collected about you, including the categories of Personal Information, the categories of sources from which we collected Personal Information, the business or commercial purpose for collecting, selling, or sharing Personal Information (if applicable), the categories of third parties to whom we disclose Personal Information (if applicable), and the specific pieces of Personal Information we collected about you;

    2. The right to delete Personal Information we collected from you, unless the CCPA recognizes an exception;

    3. The right to correct any inaccurate Personal Information that we maintain about you;

    4. If we sell or share Personal Information, the right to opt out of the sale or sharing;

    5. If we use or disclose Personal Information for purposes other than those allowed by the CCPA and its regulations, the right to limit our use or disclosure; and

    6. The right not to receive discriminatory treatment by us for the exercise of privacy rights the CCPA confers.

    How to Submit a Request to Know, Delete, and/or Correct

    You may submit a request to know, delete, and/or correct through our interactive webform available here, by emailing us at ComplianceTeam@lennarmortgage.com, or calling us toll free at (888)-966-8262.

    As mentioned above, if you are a California resident who has a financial product or service with us, much of the Personal Information that we collect is exempt from the CCPA and, therefore, is not subject to the rights discussed in this “Notice to California Residents” section. Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Notice.

    If you are submitting a request on behalf of a California resident, please submit the request through one of the designated methods discussed above. After submitting the request, and if the request is not subject to an exemption or exception, we will require additional information to verify your authority to act on behalf of the California resident.

    Our Process for Verifying a Request

    If we determine that your request is subject to an exemption or exception, we will notify you of our determination. If we determine that your request is not subject to an exemption or exception, we will comply with your request upon verification of your identity and, to the extent applicable, the identity of the California resident on whose behalf you are making such request.

    We will verify your identity either to a “reasonable degree of certainty” or a “reasonably high degree of certainty” depending on the sensitivity of the Personal Information and the risk of harm to you by unauthorized disclosure, deletion, or correction as applicable. To do so, we will ask you to verify data points based on information we have in our records concerning you.

    Shine the Light Law

    We do not disclose personal information obtained through the Services to third parties for their direct marketing purposes. Accordingly, we have no obligations under California Civil Code § 1798.83.

• 11. Accessibility

  We are committed to ensuring this Privacy Policy is accessible to individuals with disabilities. If you wish to access this Privacy Policy in an alternative format, please contact us as described below.

• 12. Changes to Our Privacy Policy

  Lennar Mortgage may at any time revise our Privacy Policy, Privacy Notice or Terms of Use. When we do, we will post the revised policy with a new “Last Updated” date.

• 13. How to Contact Us

If you have any questions about this Privacy Policy, or you want to obtain more information about Lennar Mortgage’s privacy practices, please contact us:

By Email: ComplianceTeam@lennarmortgage.com

By U.S. Postal Mail: 5505 Waterford District Drive, Suite 502, (Attn: Compliance Dept.), Miami, FL 33126 By phone: (888) 966-8262

General: Click here to view Lennar Mortgage’s Privacy Policy prior to May 20, 2024

‌Privacy Notice‌‌

FACTS	WHAT DOES LENNAR MORTGAGE, LLC (“LENNAR MORTGAGE”) DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and assets
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Lennar Mortgage chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Lennar Mortgage share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	YES	NO
For our marketing purposes – to offer our products and services to you	YES	NO
For joint marketing with other financial companies	YES	NO
For our affiliates' everyday business purposes – information about your transactions and experiences	YES	NO
For our affiliates' everyday business purposes – information about your creditworthiness	YES	YES
For our affiliates to market to you	YES	YES
For nonaffiliates to market to you	YES	YES
To limit our sharing	Call toll-free (888) 966-8262 – our menu will prompt you through your choices or By Email: ComplianceTeam@LennarMortgage.com Please note: If you are a new customer, unless you affirmatively consent to allow Lennar Mortgage to share your information earlier pursuant to law, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call toll-free (888) 966-8262 or by email to ComplianceTeam@LennarMortgage.com

What we do
How does Lennar Mortgage protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Lennar Mortgage collect my personal information?	We collect your personal information, for example, when you open an account or apply for a loan show your government-issued ID or show your driver's license give us your contact information gives us account information give us employment and income information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include certain companies with a common corporate identity of Lennar; financial companies such as Rialto Capital Management; and nonfinancial companies, such as Lennar Commercial, Lennar Homes USA, CalAtlantic Homes, Lennar Sales Corp., Lennar Title, Inc, Lennar Title, LLC, Lennar Title, Inc dba Lennar Closing Services, DOMA Holdings, Inc., DOMA Title Insurance Company, Five Point Communities, WCI Communities, LLC, Watermark Realty Referral, Inc., WCI Realty, Inc., OpenDoor Labs, Inc. and Lennar Insurance Agency, LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include non-financial companies such as utility concierge services companies, home warranty companies, and home security companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card companies and insurance companies.