California Privacy Policy
This California Privacy Policy contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to that law. Most of our data collection, use, and sharing practices are governed by our Gramm-Leach-Bliley Privacy Policy. However, suppose you are a California resident; in that case, CCPA may apply to our services as they relate to business products featured on our Site (For example, business credit cards and small business loans). This California Privacy Policy should be read in conjunction with the CreditYelp Privacy Policy and CreditYelp Terms of Use, which are incorporated herein by reference.
A. Personal Information We Collect, Disclose for a Business Purpose, and Sell
We collect the categories of personal information about California consumers identified in the chart below and use and disclose this to third parties this information for business or commercial purposes. In addition, as is common practice among companies that operate online, we allow certain third parties, including nonaffiliated business partners, advertising networks, analytics providers, and other advertising providers, to directly collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers, and other technologies. These third parties may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, conduct ad campaign measurement and Site analytics, detect, prevent and report fraud, or carry out their own business commercial purposes. The collection of information by some of these third parties may constitute a “sale” of personal information, as defined under the CCPA. For more information about these practices, please review the “Third-Party Web Beacons and Third-Party Buttons” section of the CreditYelp Privacy Policy. Or, for more information about how to opt-out of personal information sharing that constitutes a sale under the CCPA, please refer to the “Your Rights Regarding Personal Information” section below.
| Categories of Personal Information | Categories of sources from which information is collected: | Business or commercial purposes for collection, use, and sharing: | Disclosed for business purposes to the following categories of third parties: |
|---|---|---|---|
| Personal and online identifiers such as first and last name, email address, or unique online identifiers | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
| Categories of information described in Section 1798.80(e) of the California Civil Code, such as Social Security number, bank account number, or other financial information | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
| Characteristics of protected classifications under California or federal law (such as age or gender) | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
| Commercial or transaction information such as financial products or services purchased or obtained from or through us | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
| Internets or other electronic network activity information, such as the websites you visit immediately before and after visiting our Site and your interactions with our Services | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
| Geolocation information | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
| Professional or employment-related information | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
| Education information | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
| Inferences are drawn from the above information about your predicted characteristics and preferences | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
| Other information about you that is linked to the personal information above | All categories are listed below. | All purposes are listed below. | All categories are listed below. |
B. Categories of Sources
We collect this personal information directly from you. We may also, at your direction, receive credit reports or scores from consumer reporting agencies such as TransUnion or Equifax or third-party services that provide a mechanism to share information you have provided to the third party through the use of an application program interface (API), such as Facebook Connect or the Twitter API. In addition, you may direct and enable us to collect the personal information you maintain in financial accounts with other third-party financial institutions and similar companies. We may also collect personal information about you (for example, information regarding how you interact with our Services) using automated tools as described elsewhere in this policy.
C. Why We Collect, Use, and Share California Information
As further described in this Privacy Policy, we use and disclose the personal information we collect for our commercial and business purposes.
Commercial purposes include, without limitation: marketing, advertising, authentication, identity resolution, fraud prevention, fulfillment services, and fulfilling the requests of our customers.
Business purposes, as identified in the CCPA, include audits and related activities; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; debugging services and systems; administrative and support services such as processing orders and payments and analytics; internal research and operations; activities to maintain and improve our Services; and other one-time uses.
We disclose the categories of personal information designated above to the following categories of third parties: service providers, lending partners, referral partners, joint marketing partners, credit reporting agencies, financial service aggregators, government entities, advertising networks, internet service providers, data analytics providers, operating system providers, professional services organizations, and social networks.
D. Your Rights Regarding Personal Information
California residents have certain rights concerning the personal information collected by businesses. If you are a California resident, you may exercise the following rights regarding your personal information, subject to certain exceptions and limitations:
a) For certain categories of personal information, the right to request a list of what personal information (if any) we disclosed to third parties for their direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.
b) The right to know the categories and specific pieces of personal information we collect, use, disclose and, if applicable, sell about you; the categories of sources from which we collected your personal information; our purposes for collecting or, if applicable, selling your personal information; the categories of your personal information that we have disclosed for a business purpose or, if applicable, sold; and the categories of third parties to whom we have disclosed for a business purpose or, if applicable, sold personal information.
c) The right to request that we delete the personal information we have collected from you.
d) The right to opt-out of our sale(s) of your personal information.
e) The right not to receive discriminatory treatment for exercising the privacy rights conferred by the CCPA.
E. How to Exercise Your California Consumer Rights
To Exercise Your Right to Request, Know or Delete
To exercise your California consumer rights to request, know or delete, please complete the CCPA Request Form, which includes the required verifying information, as further described below. You may submit the completed and signed CCPA Request Form by either:
i) Send an email to [email protected] with the subject line “CCPA Request,” the Form attached and the relevant right identified in the body of the email.
To Opt Out of Sales of Personal Information
To the extent that the third-party information collection on the Site constitutes the sale of personal information, we provide you with instructions for exercising your right to opt-out of certain cookie-related collection and use practices.
On certain of our websites, users can make choices regarding cookies and related technologies through a cookie banner management tool. On all our other websites and digital properties, users can:
i) Visit privacyrights.info to opt-out from sales of this type of personal information by third-party businesses that participate in the DAA’s CCPA Opt-Out Tool, and
ii) Visit myaccount.google.com/data-and-personalization, scroll down to the “Ad personalization” section, click “Go to ad settings” and toggle “Ad personalization” to OFF, and
iii) Follow the instructions in the “Third-Party Web Beacons and Third-Party Buttons” section in the CreditYelp Privacy Policy to opt-out of interest-based advertising and other cookie-related information collection and processing.
To exercise any other CCPA rights, complete and submit the CCPA Request Form, which includes the required verifying information, as further described below:
i) Send an email to [email protected] with the subject line “CCPA Request” and the relevant right identified in the body of the email.
F. Verification Process and Required Information
Note that we may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled. We will require you to provide the information we have on record for identity verification purposes. In certain circumstances, we may decline a request to exercise the right to know and/or delete, particularly where we cannot verify your identity.
G. Authorized Agent
You may designate an authorized agent to make a CCPA request on your behalf by writing to us at the contact information provided above. We may request additional information from you if we cannot verify your identity when you make the designation request. Note, if designating an entity to act on your behalf, the CCPA requires that such entity must be registered with the California Secretary of State.
H. Minors’ Right to Opt-In
We do not sell the personal information of consumers we know to be under 16 years of age.
I. Small Business Loan Information
From time to time, you may provide us with your personal information to request small business loans from one or more of our partners. You agree that disclosing your personal information in connection with your request is not a sale of your personal information under the CCPA.