CCPA Notice
California Consumer Privacy Act Notice
Last Updated: November 30, 2025
Quick Navigation
- Introduction
- Your CCPA Rights
- Categories of Personal Information We Collect
- Sources of Personal Information
- Business Purposes for Collection
- Disclosure and Sharing of Personal Information
- Sale and Sharing of Personal Information
- Sensitive Personal Information
- How to Exercise Your CCPA Rights
- Verification Process
- Authorized Agents
- Non-Discrimination
- Minors Under 16
- Contact Us for CCPA Requests
Introduction
This California Consumer Privacy Act (CCPA) Notice supplements our Privacy Policy and applies solely to California residents. This notice describes your rights under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, "CCPA" or "CPRA").
Loansfax respects the privacy rights of California consumers and is committed to complying with the CCPA. This notice explains:
- The categories of personal information we collect and how we use it
- Your rights under California law
- How to exercise those rights
- Our practices regarding the sale and sharing of personal information
Your CCPA Rights
As a California resident, you have the following rights regarding your personal information:
Right to Know
You have the right to request that we disclose what personal information we have collected, used, disclosed, sold, or shared about you over the past 12 months.
Right to Delete
You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
Right to Correct
You have the right to request that we correct inaccurate personal information we maintain about you.
Right to Opt-Out
You have the right to opt out of the "sale" or "sharing" of your personal information to third parties.
Right to Limit Use
You have the right to limit the use and disclosure of your sensitive personal information.
Right to Non-Discrimination
You have the right not to be discriminated against for exercising any of your CCPA rights.
Categories of Personal Information We Collect
In the past 12 months, Loansfax has collected the following categories of personal information from California consumers:
| Category | Examples | Collected |
|---|---|---|
| A. Identifiers | Real name, alias, postal address, email address, phone number, IP address, account name, Social Security number, driver's license number, or other similar identifiers. | YES |
| B. California Customer Records (Cal. Civ. Code § 1798.80(e)) | Name, signature, Social Security number, address, telephone number, driver's license number, bank account number, credit card number, debit card number, or any other financial information. | YES |
| C. Protected Classification Characteristics | Age (40 years or older), race, color, ancestry, national origin, citizenship, marital status, medical condition, physical or mental disability, sex, veteran or military status. | YES |
| D. Commercial Information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | YES |
| E. Biometric Information | Genetic, physiological, behavioral, and biological characteristics or activity patterns. | NO |
| F. Internet or Network Activity | Browsing history, search history, information on interaction with a website, application, or advertisement. | YES |
| G. Geolocation Data | Physical location or movements. | YES |
| H. Sensory Data | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
| I. Professional or Employment Information | Current or past job history or performance evaluations. | YES |
| J. Non-Public Education Information | Education records directly related to a student maintained by an educational institution. | NO |
| K. Inferences | Inferences drawn from any of the information above to create a profile reflecting preferences, characteristics, behavior, attitudes, abilities, and aptitudes. | YES |
Sources of Personal Information
We collect personal information from the following sources:
- Directly from you: When you submit forms on our website, contact us, or communicate with us
- Automatically: Through cookies, pixels, and similar tracking technologies when you visit our website
- Third-party partners: From our business partners, affiliates, and service providers
- Public sources: From publicly available databases or sources
- Data brokers: From third-party data providers
Business Purposes for Collection
We collect and use personal information for the following business purposes:
- To provide the services you have requested (matching you with financial service providers)
- To process and fulfill your requests
- To communicate with you about our services
- To improve our website, products, and services
- To personalize your experience on our site
- To send you marketing communications (with your consent)
- To conduct research, analysis, and product development
- To maintain the safety, security, and integrity of our website and services
- To detect, prevent, and respond to fraud or security incidents
- To debug and repair errors
- To comply with legal obligations and respond to law enforcement requests
- To evaluate or conduct a merger, acquisition, or other business transaction
Disclosure and Sharing of Personal Information
In the past 12 months, we have disclosed the following categories of personal information to third parties for business purposes:
| Category of Personal Information | Categories of Third Parties |
|---|---|
| Identifiers | Service providers, data analytics providers, hosting providers, financial service providers |
| California Customer Records | Service providers, hosting providers, financial service providers |
| Protected Classification Characteristics | Financial service providers, service providers |
| Commercial Information | Service providers, data analytics providers, financial service providers |
| Internet or Network Activity | Data analytics providers, advertising networks, social media platforms |
| Geolocation Data | Service providers, data analytics providers |
| Professional or Employment Information | Financial service providers, service providers |
| Inferences | Data analytics providers, advertising networks, financial service providers |
Sale and Sharing of Personal Information
Important Notice: Under the CCPA, "sale" and "sharing" have specific legal definitions that may include activities you might not traditionally think of as a sale.
In the past 12 months, Loansfax has sold or shared the following categories of personal information:
- Identifiers (such as name, email, phone number, address)
- Internet or Network Activity (such as browsing behavior, interactions with our site)
- Geolocation Data
- Commercial Information (such as loan interest, credit needs)
- Inferences (such as preferences and characteristics)
These categories of information are sold or shared with:
- Financial service providers (lenders, brokers, credit repair companies, etc.)
- Advertising networks and social media platforms
- Marketing partners
- Data analytics providers
How to Opt-Out of Sale/Sharing
You have the right to opt out of the sale or sharing of your personal information. To exercise this right:
- Email us at privacy@loansfax.com with "Opt-Out of Sale/Sharing" in the subject line
- Call us and request to opt out
- Submit a request through our Do Not Sell or Share My Personal Information form
Sensitive Personal Information
We collect the following categories of sensitive personal information:
- Social Security numbers
- Driver's license numbers or state identification card numbers
- Account log-in credentials (if you create an account)
- Financial account information (bank account numbers)
- Precise geolocation
We use and disclose sensitive personal information only for the following purposes, which are permitted under the CCPA without providing you the right to limit:
- To perform the services you requested (matching you with financial service providers)
- To verify or maintain the quality or safety of our services
- To prevent, detect, and respond to security incidents
- To comply with legal obligations
Note: Because we only use sensitive personal information for these permitted purposes, you do not have a right to limit our use of this information under the CCPA.
How to Exercise Your CCPA Rights
To exercise your CCPA rights (Right to Know, Right to Delete, Right to Correct, or Right to Opt-Out), you may submit a request by:
Request Methods
- Email: privacy@loansfax.com
- Phone: Contact us and request to exercise your CCPA rights
- Online Form: Complete our CCPA Request Form (if available on our website)
When submitting a request, please provide enough information for us to verify your identity, including:
- Your full name
- Email address
- Phone number
- Mailing address (if applicable)
- A description of your request
Verification Process
To protect your personal information, we must verify your identity before processing your CCPA request. The verification process may include:
- For Right to Know (Categories): We will match at least two data points you provide with data we maintain
- For Right to Know (Specific Pieces): We will match at least three data points and may require a signed declaration under penalty of perjury
- For Right to Delete: We will match at least two data points you provide with data we maintain
- For Right to Correct: We will match at least two data points you provide with data we maintain
We will acknowledge receipt of your request within 10 business days and respond within 45 days. If we need more time (up to 90 days total), we will inform you of the reason and extension period.
Authorized Agents
You may designate an authorized agent to submit a CCPA request on your behalf. To do so:
- The agent must provide written proof that you have authorized them to act on your behalf
- You must verify your own identity directly with us
- You must directly confirm with us that you provided the authorized agent permission to submit the request
We may deny requests from agents who do not provide proof of authorization.
Non-Discrimination
Loansfax will not discriminate against you for exercising any of your CCPA rights. We will not:
- Deny you goods or services
- Charge you different prices or rates for goods or services
- Provide you a different level or quality of goods or services
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services
However, we may offer you financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels, provided that the financial incentive is reasonably related to the value of your personal information.
Minors Under 16
Loansfax does not knowingly sell or share the personal information of minors under 16 years of age. Our services are not intended for individuals under 18 years of age. If we learn that we have collected personal information from a minor under 16, we will delete it promptly.
Contact Us for CCPA Requests
To Exercise Your CCPA Rights or for Questions About This Notice:
Email: privacy@loansfax.com
Subject Line: CCPA Request - [Your Request Type]
Website: www.loansfax.com
Note: For general privacy inquiries not related to CCPA rights, please see our Privacy Policy or contact us at info@loansfax.com.
Additional Information
For more information about our privacy practices, please review our complete Privacy Policy.
This CCPA Notice is effective as of the date listed above and may be updated periodically to reflect changes in our practices or applicable law. We will post any updated version on our website with a new effective date.