California Privacy Rights (CCPA)

Your California Privacy Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you specific rights regarding your personal information. This page explains those rights and how to exercise them.

Information We Collect

We collect the following categories of personal information from California residents:

• Identifiers: Name, email address, phone number, IP address, device ID
• Financial Information: Credit score range, debt information, financial goals (provided voluntarily through our quiz)
• Internet Activity: Browsing history, search history, interaction with our website
• Geolocation Data: General location (city/state level) based on IP address
• Inferences: Preferences and characteristics derived from your quiz responses

How We Use Your Information

We use your personal information for the following business purposes:

• To provide personalized credit repair recommendations
• To match you with appropriate credit repair service providers
• To improve our website and services
• To send marketing communications (with your consent)
• To comply with legal obligations
• To detect and prevent fraud or security incidents

Sharing Your Information

We share your personal information with the following categories of third parties:

• Credit Repair Service Providers: Companies you choose to connect with based on your quiz results
• Analytics Providers: Google Analytics, Vercel Analytics
• Advertising Partners: Facebook, Google Ads (for remarketing)
• Technology Service Providers: Hosting, email, and database providers

We do not sell your personal information as traditionally defined. However, sharing data for targeted advertising may be considered a "sale" under CCPA. You have the right to opt out of this sharing (see below).

Your CCPA Rights

As a California resident, you have the following rights:

How to Exercise Your Rights

To exercise any of your CCPA rights, you can submit a request through any of the following methods:

• Email: privacy@sanewallet.com
• Use the form below to submit your request
• Call us toll-free (if you prefer to submit by phone)

Verification Process

To protect your privacy and security, we will verify your identity before processing your request. We may ask you to provide:

• Your full name and email address
• Additional information to match our records
• For deletion requests, we may require additional verification

Response Timeline

We will respond to your request within:

• 45 days for most requests
• 90 days for complex requests (we will notify you of the extension within 45 days)

Authorized Agent

You may designate an authorized agent to make a request on your behalf. The authorized agent must provide proof of authorization, and we may still require you to verify your identity directly.

Do Not Sell My Personal Information

While we do not sell your personal information in the traditional sense, you can opt out of data sharing for advertising purposes by:

• Adjusting your cookie preferences on our website
• Clicking "Do Not Sell My Personal Information" in our footer (coming soon)
• Contacting us directly at privacy@smartfinancepath.com

Retention Period

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Typically, we retain information for:

• Quiz responses: 2 years from last activity
• Account information: Duration of active relationship plus 1 year
• Marketing preferences: Until you unsubscribe or request deletion

Changes to This Notice

We may update this CCPA notice from time to time. When we make changes, we will update the "Last Updated" date at the top of this page and notify you if required by law.