Privacy Notice for California Residents
Effective Date: January 1, 2026
Last Reviewed: January 19, 2026
This Privacy Notice for California Residents supplements our main Privacy Policy and applies solely to visitors, users, and others who reside in California (“consumers” or “you”). It complies with the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act (CPRA). Terms defined in the CCPA/CPRA have the same meaning here. Capitalized terms refer to our main Privacy Policy where applicable.
Background on CCPA/CPRA
The CCPA/CPRA grants California residents rights over their personal information (“PI”), including access/know, deletion, opt-out of sale/sharing, limitation of sensitive PI use, correction (where applicable), and non-discrimination. We do not discriminate against you for exercising these rights (e.g., no different prices/quality unless tied to your PI value via permitted incentives).
Categories of Personal Information We Collect and Disclose
In the preceding 12 months, we have collected and may disclose/sell/share the following categories of PI (per CCPA definitions):
Category of Personal Information (CCPA Category): Identifiers (Cal. Civ. Code § 1798.80(e))
Examples Collected: Name, phone number, email, mailing address, IP address, unique device IDs
How We Use It: To match you with financial services (e.g., debt relief, credit repair, mortgages, loans), communicate, respond to inquiries, operate the Site
Categories of Third Parties We Disclose/Share/Sell To: Service providers (e.g., analytics), trusted Partners (financial providers for matching/quotes), data aggregators
Sources: Directly from you (forms/surveys), automatically (cookies/trackers), third-party sources
Category of Personal Information (CCPA Category): Personal information categories listed in Cal. Civ. Code § 1798.80(e)
Examples Collected: Financial details (e.g., debt/credit info, income range)
How We Use It: Service matching, eligibility checks, internal analytics
Categories of Third Parties We Disclose/Share/Sell To: Trusted Partners (for quotes/services), service providers
Sources: Directly from you
Category of Personal Information (CCPA Category): Internet or other similar network activity
Examples Collected: Browsing history, pages visited, referral sources, clickstream, device info (browser/OS), time/date of access
How We Use It: Site improvement, analytics, personalized experience, marketing leads
Categories of Third Parties We Disclose/Share/Sell To: Service providers (analytics/hosting), advertising partners
Sources: Automatically collected
Category of Personal Information (CCPA Category): Geolocation Data
Examples Collected: Approximate location from IP address
How We Use It: Service personalization, fraud prevention
Categories of Third Parties We Disclose/Share/Sell To: Service providers, Partners
Sources: Automatically collected
Category of Personal Information (CCPA Category): Inferences drawn from other PI
Examples Collected: Profiles/preferences related to financial needs
How We Use It: Better matching to services/offers
Categories of Third Parties We Disclose/Share/Sell To: Partners, service providers
Sources: Derived internally
We do not collect additional categories or use PI for materially different purposes without updated notice.
PI does NOT include:
- Publicly available information from government records.
- Deidentified or aggregated data.
- Information exempt under CCPA (e.g., health/medical under HIPAA/CMIA, certain financial info under GLBA/Fair Credit Reporting Act, or driver’s privacy data).
We may disclose PI in response to legal requests, to comply with law, or to protect rights/safety.
Sharing and Sale of Personal Information
We disclose PI to trusted Partners (e.g., approved financial providers listed at https://the-financial-solutions.com/approved-installers/) for business purposes (e.g., service matching). This may qualify as “sale” or “sharing” under CCPA/CPRA (e.g., for cross-context behavioral advertising). We do not sell PI outright but share for targeted offers. Third parties cannot resell without your opt-out.
In the last 12 months, we have sold/shared the categories above with service providers, Partners, and aggregators.
Your CCPA/CPRA Rights
- Right to Know/Access and Data Portability Request disclosure of categories/sources/purposes of PI collected about you (past 12 months), specific pieces, and sales/sharings (two lists: sales and business-purpose disclosures).
- Right to Delete Request deletion of your PI, subject to exceptions (e.g., complete transactions, legal compliance, security/debugging, free speech, research, internal uses).
- Right to Opt-Out of Sale/Sharing Direct us not to sell or share your PI (including via Global Privacy Control/GPC browser signals). We honor opt-outs and wait 12 months before asking to re-opt-in. For users under 16, we do not sell/share without opt-in (parental for under 13).
- Right to Limit Use of Sensitive Personal Information Limit sensitive PI (e.g., financial details, precise geolocation) to core services only.
- Right to Correct Request correction of inaccurate PI (where applicable).
- Right to Non-Discrimination No denial of services, different pricing, or quality for exercising rights. We may offer permitted financial incentives (with opt-in and terms).
Exercising Your Rights
Submit a verifiable request via:
- Email: info@the-financial-solutions.com
Only you (or authorized agent) may request. Provide sufficient info for verification (e.g., name, email, address). Describe your request clearly.
We verify identity reasonably (without using requested PI for other purposes). No account needed. Limit: Two “know” requests per 12 months.
Response: Within 45 days (extendable 45 days with notice). Format: Readily usable/portable where feasible. No fee unless excessive/repetitive.
For opt-out: Use our “Do Not Sell or Share My Personal Information” link on the Site (or GPC). We confirm processing (e.g., banner/toggle).
Other California Rights
Under “Shine the Light” (Civ. Code § 1798.83), request info on disclosures for direct marketing (email us).
Changes to This Notice
We may update this notice. Changes posted here with new date. Continued Site use = acceptance.
Contact Us
Questions, requests, or concerns:
Email: info@the-financial-solutions.com
Address: 234 Broadway Unit 9188 #15633, Newark, NJ