We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Our articles, interactive tools, and hypothetical examples contain information to help you conduct research but are not intended to serve as investment advice, and we cannot guarantee that this information is applicable or accurate to your personal circumstances. Any estimates based on past performance do not a guarantee future performance, and prior to making any investment you should discuss your specific investment needs or seek advice from a qualified professional.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
A. Personal Information We Collect, Disclose for a Business Purpose, and Sell
|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
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
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.