California Consumer Privacy Act Notice

Applicability and Rights Under the California Consumer Privacy Act

Under the California Consumer Privacy Act of 2018 (“CCPA”), California residents have the right to know about information collected, disclosed or sold, the right to opt out of the sale of certain information, and a limited right to have businesses delete information collected about the consumer. These rights extend only to California residents and information covered by the CCPA. Because the CCPA does not cover all consumer data in all situations, only certain consumer data is subject to these rights. This notice supplements information located in the Panorama Mortgage Group, LLC (“PMG” or “the Company”) Privacy Policy with respect to California residents ( Any terms used in this notice that are not defined in the notice itself have the same definition as used in the CCPA.

Definition of Personal Information

“Personal Information” for purposes of this notice means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal Information collected in relation to a mortgage loan by the Company is also governed under the Gramm Leach Bliley Privacy Act (“GLBA”). The GLBA gives consumers the right to limit some, but not all, sharing of Personal Information, and also requires us to tell you how we collect, share, and protect your Personal Information. Personal Information governed by GLBA is exempt from the CCPA. Please see the Company’s Privacy Notice for more information. Therefore, only Personal Information collected outside of the mortgage loan submission, application and approval process (such as Personal Information collected through marketing efforts via use of the Company branded website(s)) (“Covered Information”) allows a California resident the right to the following:

  • Know About Covered Information Collected, Disclosed, or Sold
  • Request Deletion of Covered Information (subject to certain exceptions)
  • Opt-Out of the Sale of Covered Information
  • Non-Discrimination for the Exercise of a Consumer’s Privacy Rights

Information the Company Collects

As previously mentioned, not all Personal Information collected by the Company, as listed below, is subject to the CCPA. The Company does not sell your Personal Information. The Company does not knowingly sell the Personal Information of any minors (those under the age of 16).

We may have collected the following categories of Personal Information from California residents within the last 12 months:

*Related services may include, but are not limited to real estate services, insurance, escrow and other closing services, notary, appraisal, other consumer credit services, home warranty, and other services related to home purchase, home ownership, loan servicing, or related consumer transactions.

** While the Company does not sell Personal Information, the Company may share data for Business Purposes (described in more detail below) and with the Company’s Affiliates: Vantage Point Title, Inc. (“Vantage Title”); Vantage Point Escrow, Inc. (“Vantage Escrow”); Reliant Title USA, LLC (“Reliant Title USA”); and Reliant Title Agency, LLC (“Reliant Title Agency”). This sharing is done in accordance with federal law and the GLBA.
Please see the Company’s Privacy Policy for more information.

Exercising a Verifiable Consumer Request to Know and/or Delete of Personal Information Covered Under CCPA

The Company does not sell your Personal Information and therefore there is no right to opt out of the sale of such information.

California residents can contact the Company to make a verifiable consumer request that we disclose certain information to you about our collection and use of your Personal Information over the past 12 months.

California residents can also contact the Company to make a verifiable consumer request for the deletion of Personal Information that we collected from you and retain, subject to certain exceptions. Once we receive and confirm your verifiable request, we will delete (and direct our service providers to delete) your Covered Information from our records, unless an exception applies.

You can make a verifiable consumer request to the Company in the following ways:

  1. Calling the Company at (877) 845-4805;
  2. Contacting us using our online form (;
  3. Writing to the Company, Panorama Mortgage Group, LLC, attn.: Compliance Department, 6623 Las Vegas Blvd S, Suite F-200 Las Vegas, NV 89119.
  • First name and last name;
  • The email address that you used to do business with the Company (if applicable);
  • Telephone Number;
  • Date of birth; and
  • Address of current residence (including city, state, and zip code)

The request will only be processed if the identity is verified based on the unique information requested and provided correctly. If the Company cannot verify identity, we will contact you for further information. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your Personal Information. You may also make a verifiable consumer request on behalf of your minor child.

Response Timing and Format

We will acknowledge your verifiable consumer request within 10 business days of receipt. We will formally respond to a verifiable consumer request within 45 calendar days of receipt. If we require more time (up to 90 calendar days), we will inform you of the reason and extension period in writing. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.


We will not discriminate against you for exercising any of your rights under the CCPA. Unless permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Contact Information

If you have any questions or comments about this notice, our Privacy Policy, the ways in which we collect and use your Personal Information, or your choices and rights regarding such use, please do not hesitate to contact us by:

  1. Calling the Company at (877) 845-4805;
  2. Emailing us at;
  3. Writing to the Company, Panorama Mortgage Group, LLC, attn.: Compliance Department, 6623 Las Vegas Blvd S, Suite F-200 Las Vegas, NV 89119.