California Privacy Notice (CCPA)
Introduction and Scope
Loanmerivo 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
In the past twelve (12) months Loanmerivo may have collected the following categories of personal information from or about California consumers: identifiers (such as IP address and email address when you subscribe); internet or network activity (browsing history on the site, referring URL, time of request); geolocation data at the coarse-grained, city-level resolution derived from IP; commercial information (which newsletters you have subscribed to); inferences drawn from this information (such as aggregated content preferences); and audio or visual information only if you voluntarily submit it (for example, a photo attached to a tip you send through our Contact form).
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). Loanmerivo 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
Loanmerivo 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
Loanmerivo does not sell personal information and does not share personal information for cross-context behavioral advertising as those terms are defined under the CCPA. In the preceding twelve (12) months we have not sold or shared the personal information of any California consumer, including any California consumer under the age of 16, and we have no actual knowledge of any such sale or sharing.
Sensitive Personal Information
We do not collect or process sensitive personal information as defined by the CCPA for the purpose of inferring characteristics about you. To the extent any sensitive personal information is incidentally collected (for example, if you voluntarily disclose it in a message), we use that information only for the business purpose for which it was provided and not for any additional uses requiring further consent under the CCPA.
Your California Privacy Rights
California consumers have, under the CCPA, the following rights with respect to personal information held by Loanmerivo: a right to know (categories collected, sources, purposes, categories of recipients); a right to access specific pieces; a right to correction; a right to deletion; a right to opt out of sale and sharing; a right to limit the use of sensitive personal information; and a right not to be retaliated against for exercising any of these rights.
How to Exercise Your Rights
To exercise any of the rights described above, please submit a request through the Contact form linked in the site footer, or by email to the contact address listed on our Contact page. We will need to verify your identity to a degree of certainty proportional to the request — for newsletter records, confirming the email subscribed is usually sufficient; for broader access or deletion requests we may ask for additional information. We will respond within 45 days, or notify you if more time is needed (up to a further 45 days).
California consumers may use an authorized agent to exercise their CCPA rights. To process a request submitted by an agent, Loanmerivo requires the agent to provide signed written permission from the consumer or a power of attorney, plus reasonable verification of the consumer's identity. We may also contact the consumer to confirm that they have indeed authorized the agent to make the request.
Consumers Under 16 Years of Age
Loanmerivo does not sell or share personal information about consumers under the age of 16 and does not have actual knowledge of collecting personal information of children under 13. If we ever decided to sell or share personal information about consumers between the ages of 13 and 16, we would do so only with the affirmative authorization of the consumer (opt-in) as required by the CCPA. Parents and guardians may submit deletion requests on behalf of their children via the Contact form.
Right to Non-Discrimination
Exercising your rights under the CCPA will not result in any adverse treatment by Loanmerivo. We will not deny you the service, charge a different price, reduce the quality of the service, or otherwise penalize you for submitting a verifiable consumer request. The free editorial content we publish is available on the same terms to all visitors regardless of whether or how they exercise their CCPA rights.
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
Loanmerivo may revise this California Privacy Notice when our practices change, when regulators issue new guidance, or when the law requires. The current version is the one published on this page. To raise any question about this notice — or to submit a request under the CCPA — please use the Contact form linked from the footer of every page on the site.