California Privacy Notice (CCPA)

Introduction and Scope

Creditvalora provides this notice to California residents under the California Consumer Privacy Act / California Privacy Rights Act ("CCPA/CPRA"). It describes how we collect, use, and disclose personal information about California consumers and what rights you have with respect to that information. This notice supplements — and should be read together with — our general Privacy Policy.

Categories of Personal Information Collected

Over the preceding twelve (12) months Creditvalora has collected the categories of personal information described below. "Identifiers" — your IP address, browser fingerprint, and any email address you submit. "Customer records" — any name, email, or message you provide through forms. "Commercial information" — your newsletter subscription state. "Internet activity" — the pages you read and the referrer that brought you here. "Geolocation" — coarse city- or country-level derived from IP. "Inferences" — aggregated audience-segment estimates derived from reading behavior.

Sources of Personal Information

Sources of the personal information we hold about California consumers include: you, directly (when you subscribe, contact us, or submit a tip); your browser and device (request headers, IP address, cookie identifiers); and our limited list of operational service providers (hosting, CDN, email delivery, analytics). Creditvalora does not purchase personal information from data brokers or rent contact lists.

Business and Commercial Purposes

We use the personal information identified above for the following business or commercial purposes, in each case as described to you at the point of collection: providing the editorial product (rendering pages, sending newsletters you have opted into); responding to your messages and inquiries; operating, maintaining, securing, and improving the site; producing aggregated readership analytics; serving advertising in a non-personalized form by default and, where applicable, with your consent; detecting and responding to security incidents; and complying with our legal obligations.

Disclosure to Service Providers and Third Parties

We disclose personal information to service providers under written contract for the business purposes outlined above. These currently include: our cloud hosting provider; our content-delivery network and edge security provider; our email-delivery vendor (for newsletter distribution); our web-analytics provider; and our advertising network (where ads are displayed). Each service provider is contractually prohibited from retaining, using, or disclosing the personal information for any purpose other than the specific services it provides to us.

Sale and Sharing of Personal Information

In compliance with the CCPA, Creditvalora 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

Under the CCPA, certain categories of personal information are designated as "sensitive" — including precise geolocation, government IDs, financial account numbers, racial or ethnic origin, religious beliefs, and similar attributes. Creditvalora does not knowingly collect or process such categories for inferring characteristics about California consumers. Any voluntary submission of sensitive information through our forms is used solely for the workflow you initiated.

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

Verifiable consumer requests under the CCPA can be submitted to Creditvalora through our Contact form or to the email address shown on the Contact page. To prevent fraudulent access requests, we will verify your identity using reasonable means tied to the data we hold — typically by confirming control of the email address tied to a subscription or by matching identifiers you provide against information already in our records. We respond to verified requests within the 45-day window required by the statute, with one 45-day extension where reasonably necessary.

An authorized agent (such as a privacy-rights service or an attorney) may submit a CCPA request on behalf of a California consumer. Creditvalora will require written authorization from the consumer or a valid power of attorney, and may contact the consumer directly to confirm the request and verify identity. We may decline requests that do not meet the CCPA's authorization and verification requirements.

Consumers Under 16 Years of Age

California consumers under the age of 16 are entitled to additional protection under the CCPA. Creditvalora does not sell or share the personal information of such consumers, and we do not knowingly collect personal information from children under 13. Parents or guardians who believe their child has submitted personal information through a form on the site can contact us via our Contact form and we will delete the information promptly.

Right to Non-Discrimination

Creditvalora will not discriminate against you for exercising any of your CCPA rights. We will not deny you our service, charge you a different price, provide a different level or quality of service, or retaliate against you in any other way because you submitted a request under the CCPA. Because the service is free and the same for all visitors, there is no financial incentive or differential pricing structure for you to opt into or out of.

Retention of Personal Information

Creditvalora follows a proportional retention policy. Newsletter records remain only while the subscription is active, with a minimal suppression entry kept post-unsubscribe to prevent accidental re-add. Contact-form records are retained for up to 24 months for follow-up and recordkeeping. Server logs are kept no longer than 90 days. Any aggregated analytics dataset that contains no identifiers is retained for long-term editorial planning.

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 Creditvalora through the Contact form linked in the site footer — that is the canonical privacy-correspondence channel for California consumers.