The confidentiality of your personal information (“Information”), as defined by applicable law, is important to M.D.C. Holdings, Inc. (MDC) and its affiliates. MDC's affiliates include the Richmond American Homes companies, HomeAmerican Mortgage Corporation, American Home Insurance Agency, Inc. (also known as AH Insurance Agency, Inc. or AHI Insurance Agency) and American Home Title and Escrow Company. We are providing you with this privacy notice to help you understand what Information we collect, why we collect the Information, how we use the Information, and under what circumstances we may disclose the Information to our affiliates and third parties. This notice also tells you how you can limit our disclosure of your Information.
For Do Not Sell My Information and Other Requests:
Privacy Opt-out Request
As part of business operations, our sale of homes, and/or our providing of financial products or services, we collect the following categories of Information:
In addition to the foregoing, if you are employed by or applying for employment with one of the MDC family of companies, we also collect the following Information about you (“Other Employment-Related Information”):
“Information” does not include publicly available information lawfully made available from federal, state, or local governmental records, or information that we have a reasonable basis to believe is lawfully made available to the general public by you or from widely distributed media; or information made available by a person to whom you have disclosed the information if you have not restricted the information to a specific audience.
We may retain each of the above categories of Information and, if so, will do so for the length of time required by state and federal statutes of limitation and record retention requirements.
We collect Information from the following sources:
We may disclose your Information for various everyday business purposes (such as to process transactions, maintain accounts, respond to court orders and legal investigations or report to credit bureaus), marketing purposes (to offer our products and services to you), for our affiliates’ everyday business purposes (information about your transactions, experiences, and creditworthiness), and for our affiliates to market to you.
The California Privacy Rights Act defines “sharing” as the disclosing of Information to a third party for cross-context behavioral advertising (i.e., targeted advertising to you based on your Information obtained from your activity across businesses, distinctly-branded websites, applications, or services, other than the business, distinctly-branded website, application, or service with which you intentionally interact). We do not disclose your Information for cross-context behavioral advertising. Accordingly, we do not “share” your Information.
We may disclose Identifiers and Other Personally Identifiable Information so that subcontractors or other providers of property-related goods and services can make improvements to the properties we sell. We may also disclose Identifiers and Other Personally Identifiable Information to entities that provide us with ad measurement services or analytics about your interactions with our websites. We may receive a financial or other benefit when we share your Information for these purposes.
The parties to which we may disclose Information fall into four general categories:
In the course of our business, we disclose Information with members of our MDC family of companies in order to conduct our business operations (e.g. manage our workforce). The disclosure of Information may benefit you by making it easier for you to apply for and receive services from our related companies. In addition, disclosing Information can help you receive timely notice about additional products, services or other special offers that may be of interest to you.
The categories of Information we disclose include:
In addition to the foregoing, if you are an employee or potential employee of the MDC family of companies, we also disclose the following categories of Information about you:
Service Providers, Contractors and Third Parties are those not part of the MDC family of companies. We disclose your Information to financial service providers such as insurance companies, banks, mortgage purchasers, and settlement agents. We also disclose your Information to non-financial companies such as consumer reporting agencies, software or other service providers, subcontractors or other providers of property-related goods and services, retailers, direct marketers, auditors, courts, and state or federal regulators.
The categories of Information we disclose with these parties include:
In addition to the foregoing, if you are an employee or potential employee of the MDC family of companies, we may also disclose the following categories of Information about you:
If your relationship with us ends, we will continue to treat and safeguard your Information as described in this notice.
We take steps to safeguard your Information. We restrict access to the personal and account Information of our customers to those employees who need to know that information in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that are designed to comply with applicable federal and state standards regarding the protection of Information.
We also have internal controls that are designed to keep Information as accurate and complete as we can. If you believe that any Information we have about you is not accurate, please let us know immediately by contacting us as described below.
The following statement applies to the websites for the MDC family of companies. If you request information through our websites, use online tools and calculators, apply online for products or employment, subscribe to online services, complete an online form or application, conduct transactions online (e.g., Internet or wireless device) or otherwise use our websites, we and certain third parties with which we work to deliver online products and services may retain the Information you provide and track your use of our websites as more fully described below.
If you wish to exercise the “Limit our Sharing,” “Right to Know About Personal Information Collected, Disclosed, or Sold,” “Right to Request Deletion of Personal Information,” “Request to Correct,” or “Right to Opt-Out of the Sale of Personal Information” options described below, you may submit a verifiable consumer request (“Request”) by calling us or submitting a Request on our website as follows:
Call us at: 800.605.9010.
Or submit a Request through our “Do Not Sell My Information & Other Requests” web page: https://www.richmondamerican.com/ccpa.
To verify your Request, you will be asked to provide your name, address, phone number and other identifying information (or that of the consumer on whose behalf you are acting) pursuant to law. If your Request asks to access specific pieces of Information pursuant to “Right to Know About Personal Information Collected, Disclosed, or Sold” below, we may ask you to sign a declaration under penalty of perjury that you are the consumer or the authorized agent of the consumer whose Information is the subject of the Request.
An authorized agent may submit a Request on your behalf. When you use an authorized agent to submit a Request, we may require that you: (1) provide the authorized agent written permission to submit the Request; and (2) verify your identity directly with us. We may also require your authorized agent to submit proof that you have authorized them to submit a Request on your behalf.
We are not obligated to disclose or delete the specific pieces or categories of Information we have collected about you pursuant to “Right to Know About Personal Information Collected, Disclosed, or Sold” and “Right to Request Deletion of Personal Information” below if, pursuant to law, we cannot verify: (1) your identity or (2) if you are seeking to act on a consumer’s behalf, that you are a person authorized by the consumer to act on their behalf.
The disclosure that we make, following the receipt of a Request, will cover the 12-month period preceding receipt of the Request and will be made in writing and delivered through your account with us, if you maintain an account with us, or by mail or electronically (at your option if you do not maintain an account with us). You may request that we disclose information beyond the 12-month period preceding receipt of your Request and we will provide such information unless doing so proves impossible or would involve a disproportionate effort.
Please allow 45 days from our receipt of your Request to disclose and deliver the requested information. This 45-day period may be extended once by an additional 45 days when reasonably necessary, in which case we will provide you with notice of the extension within the first 45-day period.
Federal law gives you the right to limit: (1) disclosure for affiliates’ everyday business purposes – information about your creditworthiness; (2) affiliates from using your information to market to you; and (3) disclosure for nonaffiliates to market to you. If you do not want us to disclose Information about your creditworthiness with our affiliates, or disclose other Information with our affiliates or third parties so they can market their products or services to you, you may submit a request to us requesting that we limit our disclosure. We will comply with your request as soon as reasonably practicable after receipt.
If you have a joint account, a request by one party will apply to the entire account. Your choice will apply until you tell us to change it.
Collection of Personal Information - If you are a consumer and we have collected your Information, you may submit a Request (“Request to Know”) that we disclose to you: (1) the categories of Information collected; (2) the categories of sources from which the Information is collected; (3) the business or commercial purpose for collection (or disclosing) the Information; (4) the categories of third parties with whom we disclose Information; and (5) the specific pieces of Information we have collected about you.
If your Request asks to access the categories and specific pieces of Information we have collected about you, we will (in compliance with law) deliver to you, free of charge, copies of your Information, which may be provided by mail or electronically. We are not required to provide you with your Information more than twice in a 12-month period. Also, we are not required to retain any Information collected for a single one-time transaction if such information is not sold or retained, nor are we required to re-identify or otherwise link any data that is not maintained in a manner that would be considered Information.
We are not obligated to provide you with specific pieces of Information if the disclosure creates a substantial, articulable and unreasonable risk to the security of that Information, your account with us, or the security of our systems or networks.
At no time will we disclose your Social Security Number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, or security questions and answers in response to a Request to disclose specific pieces of Information.
Disclosure or Sale of Personal Information - If you are a consumer and we disclose your Information for a business purpose or, if we should sell your Information, you may submit a Request that we disclose to you: (1) the categories of Information collected; (2) the categories of Information sold and the categories of third parties to whom the Information was sold, by category or categories of Information for each category of third party to whom the Information was sold (or if we have not sold your Information, we will disclose that fact); and (3) the categories of Information that we disclosed for a business purpose, and the categories of persons to whom it was disclosed for a business purpose (or if we have not disclosed your Information, we will disclose that fact).
You may submit a Request that we delete (“Request to Delete”) any Information about you that we have collected from you. Following receipt of your Request, we will delete the Information from our records and notify any Service Providers,Contractors or Third Parties to which we have given your Information to delete the information from their records; HOWEVER, Information will not be deleted if it is necessary for our business (or that of the Service Provider, Contractor or Third Party) to maintain the Information: (i) in order to perform a contract between us; (2) as required or permitted by applicable law; or (3) in order to use the Information, internally, in a lawful manner compatible with the context in which the consumer provided the information.
To the extent we maintain inaccurate Information about you, you may submit a Request that we correct (“Request to Correct”) such Information. Following receipt of your Request, we will use commercially reasonable efforts to correct your Information, as directed by you.
If we have your Information, you have the right, at any time, to direct us to not sell your Information (“Request to Opt-Out”). If we receive your Request to Opt-Out, we will not sell your Information unless you subsequently provide consent for the sale of your Information. You may submit a Request to Opt-Out by writing or calling us or submitting a request on our website as described above.
We do not market our products and services to Minors and, even without a Request to Opt-Out, we will not sell the Information of persons we know to be Minors.
We will not discriminate against a consumer because the consumer exercises the consumer’s rights under applicable privacy laws. This includes denying goods or services to the consumer, charging different prices or rates, providing a different level or quality of goods or services, suggesting the consumer will receive a different price or rate for, or a different level or quality of, goods or services, and/or retaliating against an employee, applicant for employment, or a natural person who provides any service to a business pursuant to a written contract. We may charge a different price or rate or provide a different level or quality of goods or services if the difference is reasonably related to the value provided to the consumer by the consumer’s data.
From time-to-time we may offer financial incentives for the sale of our products and services (e.g. home options and upgrades at no additional cost) and, in seeking to receive those incentives, our customers may provide us with personal information (e.g. their contact information). However, we do not offer the incentives for the purpose of retaining, sharing or selling our customers’ Information, but rather for the purpose of selling our products and services.
The “Rights” set forth above do not restrict our ability to:
The “Rights” set forth above do not:
To the extent any of MDC’s affiliated companies is deemed a “financial institution” under the California Financial Privacy Act, those entities will not share your Information with any of our affiliated companies or non-affiliated third parties except as permitted by law or otherwise directed by you.
Pursuant to the laws of the State of Nevada, residents of Nevada may elect to be placed on our internal “do-not-call” list. You may make such an election or obtain further information about your rights under Nevada law by contacting us as set forth above under “Right to Opt-Out”. You may also obtain further information about your rights under Nevada law by contacting the Nevada Attorney General’s office at: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Avenue, Suite 3900, Las Vegas, Nevada 89101, Phone: 702-486-3132, Email: BCPINFO@ag.state.nv.us
If you have questions or concerns about our privacy policies or practices, you can obtain additional information from us by calling us at 800-772-8024 or writing to us at M.D.C. Holdings, Inc. c/o HomeAmerican Mortgage Corporation Customer Service Department, 4350 S. Monaco Street, Suite 100, Denver, Colorado 80237.
©2022 M.D.C. Holdings, Inc. Revised effective: November 3, 2022.