California Privacy Notice (CCPA)

Introduction and Scope

California residents have a defined set of rights with respect to their personal information under the California Consumer Privacy Act and the California Privacy Rights Act (together, the "CCPA"). This notice from Moneycredora tells you what we collect, how we use it, with whom we share it, and how to exercise each of those rights. It is a California-specific supplement to our broader Privacy Policy.

Categories of Personal Information Collected

The categories of personal information that Moneycredora has collected from California consumers during the past twelve months are: (a) identifiers such as IP addresses and email addresses; (b) personal-records information you submit voluntarily (name and message text in our forms); (c) commercial information (newsletter subscription history); (d) internet or other network activity information (browsing on our site, referring URL); (e) geolocation data of coarse precision; and (f) inferences drawn from the foregoing for the purpose of audience analytics. We do not knowingly collect biometric information, sensory data, professional or employment information, or education information.

Sources of Personal Information

Moneycredora gathers personal information from three sources only: directly from you (forms you complete on the site); automatically through your device interactions (page requests and cookie state); and indirectly from the service providers we use to operate the website (each of which we contract with under a data-protection agreement). We do not buy or rent personal information from outside parties.

Business and Commercial Purposes

The personal information described in this notice is used by Moneycredora to operate, secure, and improve the service; to provide the editorial newsletter to subscribers; to answer messages submitted via our forms; to detect and prevent abuse; to produce aggregate audience reports; and to satisfy our legal obligations. We do not use personal information for any purpose materially different from those for which it was originally collected without notifying you.

Disclosure to Service Providers and Third Parties

Moneycredora discloses personal information only to a short list of service providers that act on our behalf and only for the business purposes outlined in this notice. These vendors are bound by contract to use the information solely for the contracted service and to delete it when their engagement ends or when it is no longer required to provide the service. We do not disclose personal information to any third party for that party's own marketing or commercial purposes.

Sale and Sharing of Personal Information

In compliance with the CCPA, Moneycredora confirms that it has not sold or shared the personal information of California consumers (including consumers known to be under 16 years of age) in the past 12 months and does not intend to do so. "Sale" and "sharing" are interpreted as defined by the CCPA; sharing data with operational service providers under contract does not constitute a sale or sharing in that sense.

Sensitive Personal Information

Moneycredora does not collect sensitive personal information from California consumers other than as incidentally contained in voluntary submissions (for example, a message you choose to send through the Contact form). We do not use sensitive personal information to infer characteristics about you, and you accordingly have no right-to-limit request to make against us. We will, of course, honor any limitation you wish to apply going forward.

Your California Privacy Rights

Under the CCPA, California consumers have the following rights: (1) the right to know what personal information we have collected about you, including the categories of information, the sources, the purposes, and the categories of third parties to which we disclose it; (2) the right to access the specific pieces of personal information we hold; (3) the right to correct inaccurate personal information; (4) the right to request deletion of personal information; (5) the right to opt out of any sale or sharing of personal information (we do not sell or share, but the right exists); (6) the right to limit the use of sensitive personal information; and (7) the right to non-discrimination for exercising any of these rights.

How to Exercise Your Rights

Requests to exercise CCPA rights should be sent to Moneycredora via the Contact form or the email address listed on the Contact page. Because we hold only a limited amount of personal information about each consumer, verification is usually straightforward (we typically confirm access to a registered email). We aim to acknowledge requests within ten days and to substantively respond within the 45-day statutory deadline; a single 45-day extension is available when reasonably necessary and we will tell you if we need to use it.

You may also designate an authorized agent to submit a request on your behalf. We will require the agent to provide written permission from you (or a power of attorney) and may verify your identity directly to confirm the request. Agents acting on behalf of multiple consumers under a single permission must still meet the verification standards required by the CCPA for each consumer represented.

Consumers Under 16 Years of Age

We do not knowingly collect, sell, or share personal information about California consumers under 16 years of age. Our service is directed to adults. Should we ever change this practice (which we do not anticipate), we would do so only with the express opt-in consent required by the CCPA for consumers aged 13 to 15, or with parental opt-in consent for children under 13. Parents who suspect their child's data has been submitted can contact us for prompt deletion.

Right to Non-Discrimination

We are committed to the CCPA's anti-retaliation principle: Moneycredora will treat California consumers equally regardless of whether they exercise their CCPA rights. There is no premium or paid tier where rights-exercising consumers receive a lesser experience — the editorial content is the same for everyone. We do not offer financial incentives in exchange for collecting personal information.

Retention of Personal Information

We retain each category of personal information only for as long as needed to fulfill the purpose for which it was collected, plus any retention required by applicable law. Specifically: newsletter subscribers' email addresses are retained until you unsubscribe (and then moved to a minimal suppression list); contact-form messages are retained for up to 24 months; server access logs are retained for up to 90 days; aggregated analytics data is retained indefinitely in non-identifying form.

Changes to This Notice and How to Reach Us

We may update this California Privacy Notice from time to time to reflect changes in our practices or in applicable law. The current version is always the one published on this page, with the "Last updated" date indicating when it became effective. For questions about this notice, or to exercise any of your CCPA rights, please contact Moneycredora through the Contact form linked in the site footer — that is the canonical privacy-correspondence channel for California consumers.