California Privacy Rights
CCPA Privacy Notice for California Consumers
Last Revised: March 29, 2024
Overview
CreditStair collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked — directly or indirectly — with a particular consumer, household, or device ("personal information"). As a California consumer, you have certain rights regarding your personal information as defined in the CCPA.
Categories of Personal Information Collected
In the preceding 12 months, CreditStair has collected the following categories of personal information from consumers:
| Category | Examples | Collected |
|---|---|---|
| A. Identifiers | Name, postal address, email address, account name, IP address, Social Security number, driver's license number, or other similar identifiers. | YES |
| B. Personal information (Cal. Civ. Code § 1798.80(e)) | Name, signature, SSN, address, telephone number, financial information, bank account number, credit card number. | YES |
| C. Protected classification characteristics | Age, race, color, ancestry, national origin, religion, marital status, disability, sex, sexual orientation, veteran status. | YES |
| D. Commercial information | Records of products or services purchased, obtained, or considered, or other purchasing histories. | YES |
| E. Biometric information | Fingerprints, faceprints, voiceprints, iris or retina scans, keystroke or gait patterns. | NO |
| F. Internet or network activity | Browsing history, search history, interaction with our website or advertisements. | YES |
| G. Geolocation data | Physical location or movements. | YES |
| H. Sensory data | Audio, electronic, visual, thermal, or olfactory information. | NO |
| I. Professional or employment information | Current or past job history or performance evaluations. | NO |
| J. Non-public education information | Education records, grades, transcripts maintained by an educational institution. | NO |
| K. Inferences from personal information | Profile reflecting preferences, characteristics, behavior, attitudes, abilities, and aptitudes. | YES |
Sources of Personal Information
- Directly from you — forms you complete, services you purchase, or information you upload.
- Indirectly from you — information gathered in the course of providing our services or from observing your actions on our website.
- Third-party business partners such as social media sites, ad networks, and analytics providers.
How We Use Your Information
- Provide the information, products, or services you request.
- Create, maintain, and secure your CreditStair account.
- Personalize your dashboard experience and deliver relevant content.
- Process purchases, transactions, and payments.
- Send promotional communications with your consent.
- Maintain the safety, security, and integrity of our platform.
- Prevent transactional fraud and respond to law enforcement requests as required.
- For testing, research, analysis, and product development.
Sharing Personal Information
CreditStair may share your personal information with the following categories of third parties for business purposes:
- Affiliates
- Service providers
- Data aggregators
- Social media companies
- Internet cookie data recipients (e.g., Google Analytics)
Your California Privacy Rights
As a California consumer, you have the right to:
- Know what personal information we collect, use, disclose, and sell.
- Delete personal information we have collected from you (with certain exceptions).
- Opt out of the sale of your personal information.
- Non-discrimination for exercising your CCPA rights.
How to Exercise Your Rights
To submit a verifiable consumer request to know, delete, or opt out of the sale of your personal information, please visit our Do Not Sell My Information page or contact us at privacy@creditstair.com.