You can jump to particular topics by going to the headings below:

• Scope Of This Privacy Policy
• Information We Collect
• How We Use Information
• How We Share Information
• Your Choices
• How We Protect And Retain Information
• Third-Party Applications/Websites
• Changes To This Privacy Policy
• Children
• Contact Information
• Additional Information For California Residents

Scope Of This Privacy Policy 

This Privacy Policy does not apply to products or services offered by the following companies, each of which has its own policies:

• HomeAmerican Mortgage Corporation
• American Home Insurance Agency, Inc.
• American Home Title and Escrow Company

You should carefully read the privacy policies applicable to such products or services.

Information We Collect

We collect information about you in a variety of ways depending on how you interact with us and our websites and services, including:

• Directly from you when you provide it to us, such as when you register for an account, sign up to receive communications from us, fill out a form, or contact us by phone, email, through our website, or by any other means. 
• Automatically through the use of cookies, server logs, and other similar technologies when you interact with our websites, advertisements, and emails. 
• From other sources, including, for example, our affiliates, business partners, service providers, online social media networks, other third parties, or publicly available sources. 

The following provides examples of the type of information that we collect in a variety of contexts and how we use that information. 

How We Use Information

In addition to the purposes and uses described above, we use information in the following ways: 

• To identify you when you visit our websites. 
• To better understand how our websites are being used and how we can improve your online experience.
• To adjust our product and service offerings and offer additional products and services that may be of interest to consumers.
• To adjust our technology and advertising to be more efficient and responsive to consumer demands and needs. 
• To improve our services and product offerings.
• To conduct our daily business operations.
• To conduct analytics.
• To communicate with you, such as to respond to and/or follow-up on your requests, inquiries, issues, or feedback. 
• To send marketing and promotional materials, including information relating to our products, services, or other special offers or those of our business partners.
• To process your job application, evaluate you in the recruitment and hiring process, including to assess your eligibility for available positions, and to conduct background checks (where permitted and in accordance with applicable law).
• To detect and protect against malicious, deceptive, fraudulent, or illegal activity, including violation of our policies and terms and conditions, security incidents, and harm to the rights, property, or safety of our company and our users, employees, or others.
• To debug, identify, and repair errors that impair existing intended functionality of our websites and services.
• To comply with our legal, regulatory, and/or contractual obligations, to demonstrate such compliance, to establish or exercise our rights, and to defend against a legal claim.
• For internal administrative purposes, as well as to manage our relationships.
• To identify persons who attend virtual meetings of our shareholders.
• For such other purposes as you may consent to (from time to time).

Although the sections above describe our primary purpose in collecting your information, in many situations, we have more than one purpose. 

To the extent we maintain and use personal information in a deidentified form, we will not attempt to reidentify the information, except for the purpose of determining whether our deidentification processes satisfy our legal obligations.

How We Share Information

In addition to the specific situations discussed elsewhere in this Privacy Policy, we may disclose personal information in the following situations:

• Affiliates. We may share information with our corporate affiliates (e.g., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control). In the context of an acquisition, we may share information with another company, including during any negotiation stages. 
• Other Disclosures without Your Consent. We may disclose information in response to subpoenas, warrants, investigations, audits, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, or to comply with your request for the provision of services by a third-party intermediary.
• Public. Our websites may provide the opportunity to post comments, or reviews, in a public forum. If you decide to submit information on these pages, that information may be publicly available. 
• Service Providers. We may share your information with service providers. Among other things, service providers may help us to administer our website, manage surveys, conduct analytics, provide technical support, or provide software or other services. 
• Other Disclosures with Your Consent. We may disclose your information to other third parties when we have your consent or direction to do so. 

Your Choices

Some jurisdictions give you a right to make the following choices regarding your personal information:

• Access To Your Personal Information. You may request access to your personal information, including certain information about how we process it. In certain limited circumstances, you may also request to receive access to your data in a portable, machine-readable format. 
• Changes To Your Personal Information. You may ask us to correct information that is inaccurate or incomplete. Following receipt of your Request, we will use commercially reasonable efforts to correct your Information, as directed by you. Note that we may keep historical information in our backup files as permitted by law. 
• Deletion Of Your Personal Information. You may request that we delete your personal information. If required by law, we will grant a request to delete information, but you should note that in many situations we must keep your personal information to comply with our legal obligations, resolve disputes, enforce our agreements, or for another business purposes. 
• Opt-out Of Targeted Advertising. You may opt out of online tracking-based targeted advertising (e.g., cookies) by clicking the Cookie Preference Center. Please note that if you change browsers or computers, or if you clear your browser’s cache, you may need to click the link again to apply your preference. You may also opt-out of other forms of targeted advertising by submitting a request as described below. 
• Promotional Emails. You may choose to provide us with your email address for the purpose of allowing us to send free newsletters, surveys, offers, and other promotional materials to you, as well as targeted offers from third parties. You can stop receiving promotional emails by following the unsubscribe instructions in emails that you receive. If you decide not to receive promotional emails, we may still send you service-related communications. 
• Promotional Mailings. If at any time you do not want to receive offers and/or circulars from us, you can remove yourself from our mailing lists by submitting a request (our contact information is below) with your name, address, and zip code. Please note that our mailings are prepared in advance of their being sent. Although we will remove your name from our mailing list after receiving your request, you may still receive mailings from us that had been initiated prior to your name being removed.
• Promotional Text Messages. If you receive a text message from us that contains promotional information you can opt-out of receiving future text messages by replying “STOP.”

Please note that not all of the rights described above are absolute, and they do not apply in all circumstances. In some cases, we may limit or deny your request because the law permits or requires us to do so, or if we are unable to adequately verify your identity. We will not discriminate against individuals who exercise their privacy rights under applicable law.

Submitting Requests

You may exercise the rights described above by calling us or submitting a request on our website as follows:

• Call us at: 800.605.9010.
• Or submit a request  through our Privacy Request Form at 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. Depending on the type of request, we may also ask you to sign a declaration under penalty of perjury that you are the consumer or the authorized agent of the consumer whose personal information is the subject of the request.

If you are a California resident, 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.

If you disagree with how we handled a request, you may appeal our decision by contacting us with the subject line “Appeal.”

How We Protect And Retain Information

No method of transmission over the internet, or method of electronic storage, is fully secure. While we use reasonable efforts to protect your personal information from unauthorized access, use, or disclosure, we cannot guarantee the security of your personal information. In the event that we are required by law to inform you of a breach to your personal information, we may notify you electronically, in writing, or by telephone, if permitted to do so by law.

Some of our websites permit you to create an account. When you do, you will be prompted to create a password. You are responsible for maintaining the confidentiality of your password, and you are responsible for any access to or use of your account by someone else that has obtained your password, whether or not such access or use has been authorized by you. You should notify us of any unauthorized use of your password or account.

We retain your personal information for only as long as necessary to fulfil the purposes outlined in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements, unless a longer retention period is required or permitted by law. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the information, the purposes for which we obtained the information, and whether we can achieve those purposes through other means, as well as applicable legal requirements.

Third-Party Applications/Websites

For your convenience, we may provide links to websites and other third-party content or services that we do not own or operate. The websites and third-party content to which we link may have separate privacy notices or policies. Please note, we have no control over the privacy practices, websites, or services that we do not own. We encourage you to review the privacy policies of any third-party website or application for details about such third party’s privacy practices.

Changes To This Privacy Policy

We may change our Privacy Policy and practices over time. To the extent that our Privacy Policy changes in a material way, the policy that was in place at the time that you submitted personal information to us will generally govern that information unless we receive your consent to the new Privacy Policy. Please refer to the legend at the end of this policy to see when this Privacy Policy was last updated.

Children

Our websites and online services are not intended for children under the age of 18 and we do not knowingly collect personal information from children under age 18. Children under the age of 18 should not provide their personal information to us.

Contact Information

If you have questions or concerns about our privacy policies or practices, or if you need to access this Privacy Policy in an alternative format due to having a disability, you can obtain additional information from us by calling us at: 800.605.9010. or submitting a Request through our web page at: https://www.richmondamerican.com/ccpa.

Additional Information For California Residents

California law requires us to disclose the following additional information related to our privacy practices. If you are a California resident, the following privacy disclosures apply to you in addition to the rest of the Privacy Policy.

• California Shine the Light. If you would like more information concerning the categories of personal information (if any) we share with third parties or affiliates for those parties to use for direct marketing, please submit a written request to us using the information in the Contact Information section above. 
• Notice of Collection. The table below   describes the categories of personal information we collect, disclose for a business purpose, and/or “share” for purposes of cross-context behavioral advertising (as that term is defined by California law). Please note that in addition to the recipients identified below, we may disclose any of the categories of personal information we collect with government entities, as may be needed to comply with law or prevent illegal activity. We do not “sell” your personal information for money. We do engage in behavioral based advertising.   If you wish to opt out of behavior-based advertising, please click on the Cookie Preference Center. For details regarding how we use personal information, please see the Information We Collect section of this Privacy Policy. For information regarding how long we retain personal information, please refer to the How We Protect And Retain Information section of this Privacy Policy.

California Sensitive Information Disclosure. We collect the following categories of sensitive personal information (as defined under California law): account log-in, in combination with any required security or access code, password, or credentials allowing access to an account. This information is collected in order to process transactions or provide you with services. If you apply for a job, we also collect social security, driver’s license, state identification card, or passport number and racial or ethnic origin, or union membership. This information is collected in order to process your application, evaluate you in the recruitment and hiring process, including to assess your eligibility for available positions; and to comply with legal obligations. Note that we do not use such information for any purposes that are not identified within the California Privacy Rights Act Section 1798.121. We do not “sell” or “share” sensitive personal information for purposes of cross-context behavioral advertising.

Last Updated and Effective: _______, 2023