We may use or disclose the personal information we collect for one or more of the following business purposes:

1. To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to prepare a rate quote or ask a question about our products or services, we will use that personal information to respond to your inquiry.
2. To provide, support, personalize and develop our Website, products and services.
3. To provide you with information, products or services that you request from us.
4. To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
5. To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
6. For testing, research, analysis and product development. As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
7. To respond to law enforcement requests and as required by applicable law, court
8. order, or governmental regulations.
As described to you when collecting your personal information.
9. To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
10. To respond to audits or state or federal examinations by our regulators.
11. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

We may disclose your personal information to a third party for a business purpose.  When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. 

We disclose your personal information for a business purpose to the following categories of third parties: 

1. Our affiliates. 
2. Service providers. 
3. Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. 

In the preceding twelve (12) months, we have not sold any personal information and we have no intention of doing so in the future. 

Access to Specific Information and Data Portability 

Unless your personal information is excluded you have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you: 

1. The categories of personal information we collected about you. 
2. The categories of sources for the personal information we collected about you. 
3. Our business or commercial purpose for collecting or selling that personal information. 
4. The categories of third parties with whom we share that personal information. 
5. The specific pieces of personal information we collected about you (also called a data portability request). 
6. If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:  
7. sales, identifying the personal information categories that each category of recipient purchased; and 
8. disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained. 

Deletion Request Rights  

Unless your personal information is excluded, you have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. 

We may deny your deletion request if retaining the information is necessary for us or our service providers to: 

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you. 
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities. 
3. Debug products to identify and repair errors that impair existing intended functionality. 
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law. 
5. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent. 
6. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us. 
7. Comply with a legal obligation. 
8. Make other internal and lawful uses of that information that are compatible with the context in which you provided it. 

Exercising Access, Data Portability, and Deletion Rights 

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either: 

• Calling us at 703-646-8782 

• Visiting us at www.newlinemtg.com 
• Emailing us at erondon@newlinemtg.com 

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must: 

1. Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative. 
2. Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. 

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.  Making a verifiable consumer request does not require you to create an account with us.  We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.  Our practices with regard to verifying a request will vary depending on the request and the information we have on the person making the request. 

Response Timing and Format 

We endeavor to respond to a verifiable consumer request within 45 days of its receipt.  If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.  If you have an account with us, we will deliver our written response to that account.  If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.  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.