California Privacy Policy | Cloud-Based Personal Loans

California - Do Not Sell My Info & Privacy Policy

If you are a resident of California this policy applies to you. The California Consumer Privacy Act of 2018 (CCPA) is a law that gives you rights over your personal information subject to certain exemptions.

As a California resident, you have the right to opt-out of having your info sold. You can opt-out by clicking...

DO NOT SELL MY INFormation

WARNING: If you opt-out, we will not be able to help you find a loan or provide you with other products/services that lenders and related providers in our network offer. In order for us to help you, you will have to re-submit your information.

California Privacy Policy

Last Updated: May 19, 2023

This “California Privacy Policy” has disclosures intended for California residents, about your personal information. This California Privacy Policy controls where there are conflicts with our Privacy Policy.

For the purposes of this California Privacy Notice, except where a different definition is noted, the term Information means, information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California consumer or household. Personal information does not include publicly available information, information that has been de-identified or aggregated, or other information covered by certain sector-specific privacy laws.

This California Privacy Policy supplements our Privacy Policy (which can be found at https://cloudbasedpersonalloans.com/privacy-policy. Further, this California Privacy Policy applies only to the info we collect – if any – that is not already protected by federal privacy laws. Because we are subject to certain federal laws protecting your privacy and the privacy of your personal information, such as the Gramm-Leach-Bliley Act (“GLBA”), the info subject to those federal laws is not subject to the CCPA and not covered by this California Privacy Policy.

Section 1. Summary of Your Privacy Rights

As a California resident,

You have a right to know the general categories of info collected about you, where we get your info, why we collect your info, the categories of third-parties that we share your info with, and why we share your info.
You have a right to request that we tell you what specific info we have about you.
You have a right to request that we delete your info.
You have a right to opt-out of having your info sold. (See “Do Not Sell My Info” link, above)
You have a right for us not to discriminate against you for exercising these privacy rights.

The above rights are subject to certain legal exemptions, including, but not limited to, where the info is already protected by federal laws such as the GLBA or where granting a request would restrict our ability to comply with our legal obligations or exercise or defend legal claims.

Section 2. Right to Know - General Info

This chart summarizes the info we generally collect about you, why, and from where as well as who we share your info with and why.

We have collected the following categories of personal information in the past twelve (12) months:

Category	Examples	Collected
A. Identifiers	Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name	Yes
B. Personal information categories Listed in the California Customer Records statute	Name, contact information, education, employment, employment history, and financial information	Yes
C. Protected classification characteristics under California or federal law	Gender and date of birth	Yes
D. Commercial information	Transaction information, purchase history, financial details, and payment information	No
E. Biometric information	Fingerprints and voiceprints	No
F. Internet or other similar network activity	Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements	Yes
G. Geolocation data	Device location	Yes
H. Audio, electronic, visual, thermal, olfactory, or similar information	Images and audio, video or call recordings created in connection with our business activities	No
I. Professional or employment-related information	Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us	No
J. Education Information	Student records and directory information	No
K. Inferences drawn from other personal information	Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics	Yes
L. Sensitive Personal Information	Account login information and health data	No

We do not knowingly sell the personal information of individuals under 16 years of age.

Section 3. Right to Know - Specific Info

You can request access to the specific info we have about you by sending an email with the Subject Line “CCPA Right to Know” to info@cloudbasedpersonalloans.com. We will not fulfill your request unless you have provided sufficient information that enables us to reasonably verify that you are the consumer about whom the collected the personal information applies. In order to verify your identity, you will be asked to provide us with certain information that can be compared with the information collected. After we verify your identity, we will send you your info in electronic format that makes it easy for you to send to other companies, subject to any applicable exceptions.

You may also designate an authorized agent, in writing or through a power of attorney, to exercise the above rights on your behalf. The authorized agent may submit a request to exercise these rights by emailing the letter of authorization or power of attorney to info@cloudbasedpersonalloans.com.

Section 4. Right to Delete

You can request the deletion of your info by sending an email with the Subject Line “CCPA Right to Delete” to info@cloudbasedpersonalloans.com. We will not fulfill your request unless you have provided sufficient information that enables us to reasonably verify that you are the consumer about whom the collected personal information concerns. In order to verify your identity, you will be asked to provide us with certain information that can be compared with the information collected. Please list what info you wish to have deleted, using the categories listed in Section 2 above. After verifying your identity, we will delete and confirm deletion of your information, subject to any applicable exceptions.

Section 5. Direct Marketing by Third Parties

We disclose info to third parties for their own direct marketing purposes. California residents have the right to request information regarding such practices under California’s “Shine the Light” law. If you are a California resident and would like to inquire further, please email info@cloudbasedpersonalloans.com.

Section 6. Notice of Right to Opt-Out

We sell info as further detailed in Section 2 of this California Privacy Notice. If you wish to request an opt-out of such sales, you may do so by emailing us at info@cloudbasedpersonalloans.com or by clicking the “Do Not Sell my Information link located near the beginning of this policy.

Section 7. How to Contact Us

If you have any questions about this California Privacy Policy or wish to exercise one of the privacy rights detailed above, please submit a rights request or otherwise contact us by emailing info@cloudbasedpersonalloans.com. or sending a letter to:

Cloud Based Personal Loan Locator,

956 3 Mile Road N.W.

Grand Rapids, MI 49544.

Last Updated: 5/22/2023