CCPA / CPRA PRIVACY NOTICE FOR CALIFORNIA RESIDENTS
Effective Date: March 24, 2026
Last Updated: March 24, 2026
This CCPA / CPRA Privacy Notice for California Residents (“California Privacy Notice”) applies solely to visitors, users, and others who reside in the State of California. This notice supplements the information contained in our Privacy Policy and applies only to personal information governed by the California Consumer Privacy Act of 2018 (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”), and related regulations.
At Financern, we are committed to transparency regarding the collection, use, disclosure, and retention of personal information. This notice explains your California privacy rights and how to exercise them.
1. YOUR CALIFORNIA PRIVACY RIGHTS
Subject to applicable law and any relevant exceptions, California residents may have the following rights:
– Right to Know: You may request information about the personal information we collect about you, including the categories of personal information collected, the sources of that information, the business or commercial purposes for collecting, selling, or sharing it, and the categories of third parties to whom it is disclosed.
– Right to Access: You may request access to specific pieces of personal information we have collected about you.
– Right to Delete: You may request that we delete personal information we collected from you, subject to certain legal exceptions.
– Right to Correct: You may request that we correct inaccurate personal information that we maintain about you.
– Right to Opt Out of Sale or Sharing: You may direct us not to sell or share your personal information, as those terms are defined under California law.
– Right to Limit the Use and Disclosure of Sensitive Personal Information: If we use sensitive personal information for purposes beyond those permitted by law, you may have the right to request that we limit that use and disclosure.
– Right to Non-Discrimination: We will not unlawfully discriminate against you for exercising your privacy rights.
These rights are described in California’s official CCPA materials and regulations. The California Attorney General explains that California consumers have the right to know, delete, opt out of the sale or sharing of personal information, and not be discriminated against for exercising their rights, while the statute and regulations also include correction rights and protections relating to sensitive personal information. :contentReference[oaicite:1]{index=1}
2. CATEGORIES OF PERSONAL INFORMATION WE MAY COLLECT
Depending on how you interact with our Site, we may collect personal information that may fall within the following California categories:
– Identifiers, such as IP address, online identifiers, device identifiers, and email address if you contact us.
– Internet or other electronic network activity information, such as browsing activity, page views, interactions with content, interactions with advertisements, and general usage data.
– Geolocation data in a limited form, such as approximate location inferred from IP address.
– Commercial information, if applicable, such as records related to services, ad interactions, or requests submitted through the Site.
– Audio, electronic, visual, or similar information, only if voluntarily submitted or technically captured through lawful site functionality.
– Inferences drawn from information collected, such as broad preferences or general audience interests used for analytics or advertising purposes.
– Sensitive personal information, if applicable, only in limited circumstances and only as reasonably necessary for permitted purposes or as otherwise disclosed.
Under the CCPA, businesses must disclose the categories of personal information collected and the purposes for which those categories are used. :contentReference[oaicite:2]{index=2}
3. SOURCES OF PERSONAL INFORMATION
We may collect personal information from the following sources:
– directly from you, such as when you contact us by email or submit information voluntarily;
– automatically from your browser or device when you use the Site;
– from cookies, pixels, tags, local storage, or similar technologies;
– from analytics providers;
– from advertising partners and service providers;
– from security, fraud prevention, and hosting providers.
4. PURPOSES FOR COLLECTING, USING, AND DISCLOSING PERSONAL INFORMATION
We may collect, use, retain, and disclose personal information for one or more of the following business or commercial purposes:
– to operate, maintain, and improve the Site;
– to provide content, features, and user support;
– to analyze usage, traffic, and performance;
– to display advertising, including personalized or non-personalized ads where permitted;
– to enable and manage rewarded ad experiences;
– to measure advertising effectiveness;
– to detect, prevent, and investigate fraud, abuse, or security incidents;
– to comply with legal obligations;
– to protect our rights, users, systems, and services.
California law requires that collection, use, retention, and sharing be reasonably necessary and proportionate to achieve the purposes disclosed to consumers. :contentReference[oaicite:3]{index=3}
5. SALE OR SHARING OF PERSONAL INFORMATION
We do not sell personal information for money in the traditional sense.
However, like many ad-supported websites, we may use third-party advertising, analytics, and measurement technologies that may collect or receive information from your browser or device. Depending on how California law applies to specific technologies and data flows, some of this activity may be considered a “sale” or “sharing” of personal information under the CCPA/CPRA.
If required by law, California residents may direct us to stop the sale or sharing of their personal information by contacting us as described below or by using any opt-out mechanism we make available.
6. SENSITIVE PERSONAL INFORMATION
We do not use or disclose sensitive personal information for purposes other than those allowed by California law unless we specifically disclose otherwise and provide any rights required by law.
If we collect or process sensitive personal information, we do so only where reasonably necessary and proportionate for lawful business purposes, security, fraud prevention, legal compliance, or other permitted purposes, unless otherwise disclosed.
7. RETENTION OF PERSONAL INFORMATION
We retain personal information for no longer than is reasonably necessary for the disclosed purpose or purposes for which it was collected, unless a longer retention period is required or permitted by law.
Retention periods may vary depending on:
– the nature of the information;
– the purpose for which it was collected;
– legal, accounting, tax, or security obligations;
– the need to detect or prevent fraud, abuse, or misuse.
8. DISCLOSURE OF PERSONAL INFORMATION FOR BUSINESS PURPOSES
We may disclose personal information to service providers, contractors, or third parties for business purposes, including:
– hosting and infrastructure providers;
– analytics providers;
– advertising and monetization partners;
– content delivery and technical support providers;
– fraud prevention and security vendors;
– legal, compliance, or regulatory authorities when required by law.
California law gives consumers the right to know the categories of personal information disclosed for business purposes and the categories of third parties receiving that information. :contentReference[oaicite:4]{index=4}
9. REWARDED ADS
Our Site may display rewarded ads. Rewarded ads are ad experiences in which a user may voluntarily choose to watch or interact with an advertisement in exchange for a reward, feature, access, or other benefit within the Site.
If rewarded ads are used on our Site:
– participation is voluntary;
– a reward or benefit may be offered within the Site;
– certain identifiers, cookies, or technical data may be used to manage the ad experience, verify completion, limit abuse, and support reward delivery;
– the reward, if any, is offered by the Site operator, not by Google or the advertiser unless expressly stated otherwise.
10. HOW TO EXERCISE YOUR CALIFORNIA RIGHTS
If you are a California resident and would like to exercise your rights under the CCPA/CPRA, you may submit a request by contacting us at:
Email: contact@crm.financern.com
Subject Line: California Privacy Request
Please specify the type of request you are making, such as:
– Right to Know
– Right to Access
– Right to Delete
– Right to Correct
– Right to Opt Out of Sale/Sharing
– Right to Limit Use of Sensitive Personal Information
To help us process your request, please provide enough information for us to reasonably verify your identity and understand the nature of your request.
11. VERIFICATION OF REQUESTS
Before responding to certain requests, we may need to verify your identity to a reasonable degree of certainty, depending on the type and sensitivity of the request.
Verification may involve matching information you provide with information already maintained by us or requesting additional information as necessary. We will only use information provided in a privacy request to verify the requestor’s identity or authority to make the request, and for recordkeeping as permitted by law.
The California regulations include rules on how businesses verify consumer requests and respond to them. :contentReference[oaicite:5]{index=5}
12. AUTHORIZED AGENTS
You may designate an authorized agent to make a request on your behalf, as permitted by California law. If you use an authorized agent, we may require proof of the agent’s authority and may also require you to verify your identity directly with us.
13. GLOBAL PRIVACY CONTROL (GPC)
Where required by applicable California law, we recognize Global Privacy Control (“GPC”) signals as a valid request to opt out of the sale or sharing of personal information for the browser or device sending the signal.
California officials have stated that GPC can send “do not sell” requests on a consumer’s behalf. :contentReference[oaicite:6]{index=6}
14. NON-DISCRIMINATION
We will not unlawfully discriminate against you for exercising any rights available under the CCPA/CPRA. Unless permitted by law, we will not deny you goods or services, charge different prices, provide a different level or quality of services, or suggest that you may receive a different price or quality of service for exercising your rights.
15. MINORS’ DATA
We do not knowingly sell or share the personal information of consumers under 16 years of age without any consent required by law.
16. CHANGES TO THIS CALIFORNIA PRIVACY NOTICE
We may update this California Privacy Notice from time to time. Any changes will be posted on this page together with the updated date. Your continued use of the Site after changes are posted means you accept the updated notice.
17. CONTACT
If you have any questions about this California Privacy Notice or your California privacy rights, please contact us at:
Email: contact@crm.financern.com
Website: https://crm.financern.com