California Privacy Notice (CCPA)
Introduction and Scope
California residents have a defined set of rights with respect to their personal information under the California Consumer Privacy Act and the California Privacy Rights Act (together, the "CCPA"). This notice from Fintacompass tells you what we collect, how we use it, with whom we share it, and how to exercise each of those rights. It is a California-specific supplement to our broader Privacy Policy.
Categories of Personal Information Collected
In the past twelve (12) months Fintacompass may have collected the following categories of personal information from or about California consumers: identifiers (such as IP address and email address when you subscribe); internet or network activity (browsing history on the site, referring URL, time of request); geolocation data at the coarse-grained, city-level resolution derived from IP; commercial information (which newsletters you have subscribed to); inferences drawn from this information (such as aggregated content preferences); and audio or visual information only if you voluntarily submit it (for example, a photo attached to a tip you send through our Contact form).
Sources of Personal Information
Fintacompass gathers personal information from three sources only: directly from you (forms you complete on the site); automatically through your device interactions (page requests and cookie state); and indirectly from the service providers we use to operate the website (each of which we contract with under a data-protection agreement). We do not buy or rent personal information from outside parties.
Business and Commercial Purposes
Fintacompass processes personal information for clearly defined business purposes: delivering the content you request; sending newsletter editions you have explicitly opted into; replying to messages submitted through our Contact and other forms; producing aggregated reports of site usage for editorial and advertising operations; securing the service against fraud and abuse; and complying with our legal and regulatory obligations under California and other applicable laws.
Disclosure to Service Providers and Third Parties
Fintacompass discloses personal information only to a short list of service providers that act on our behalf and only for the business purposes outlined in this notice. These vendors are bound by contract to use the information solely for the contracted service and to delete it when their engagement ends or when it is no longer required to provide the service. We do not disclose personal information to any third party for that party's own marketing or commercial purposes.
Sale and Sharing of Personal Information
We do not sell or share personal information in the manner described by the CCPA — that is, we do not exchange personal information for monetary or other valuable consideration with third parties, and we do not disclose personal information to third parties for the purpose of cross-context behavioral advertising. This has been true for the entire preceding twelve-month period and remains our standing policy.
Sensitive Personal Information
We do not collect or process sensitive personal information as defined by the CCPA for the purpose of inferring characteristics about you. To the extent any sensitive personal information is incidentally collected (for example, if you voluntarily disclose it in a message), we use that information only for the business purpose for which it was provided and not for any additional uses requiring further consent under the CCPA.
Your California Privacy Rights
The CCPA grants California consumers a defined set of rights with respect to their personal information. You have the right to know what we collect, to request a copy of the specific pieces we hold, to correct inaccurate data, to request deletion, to opt out of any sale or sharing (we do not engage in either), to limit the use and disclosure of sensitive personal information, and to receive equal service and pricing regardless of whether you exercise any of these rights.
How to Exercise Your Rights
Requests to exercise CCPA rights should be sent to Fintacompass via the Contact form or the email address listed on the Contact page. Because we hold only a limited amount of personal information about each consumer, verification is usually straightforward (we typically confirm access to a registered email). We aim to acknowledge requests within ten days and to substantively respond within the 45-day statutory deadline; a single 45-day extension is available when reasonably necessary and we will tell you if we need to use it.
California consumers may use an authorized agent to exercise their CCPA rights. To process a request submitted by an agent, Fintacompass requires the agent to provide signed written permission from the consumer or a power of attorney, plus reasonable verification of the consumer's identity. We may also contact the consumer to confirm that they have indeed authorized the agent to make the request.
Consumers Under 16 Years of Age
We do not knowingly collect, sell, or share personal information about California consumers under 16 years of age. Our service is directed to adults. Should we ever change this practice (which we do not anticipate), we would do so only with the express opt-in consent required by the CCPA for consumers aged 13 to 15, or with parental opt-in consent for children under 13. Parents who suspect their child's data has been submitted can contact us for prompt deletion.
Right to Non-Discrimination
Exercising your rights under the CCPA will not result in any adverse treatment by Fintacompass. We will not deny you the service, charge a different price, reduce the quality of the service, or otherwise penalize you for submitting a verifiable consumer request. The free editorial content we publish is available on the same terms to all visitors regardless of whether or how they exercise their CCPA rights.
Retention of Personal Information
Personal information collected from California consumers is kept by Fintacompass only for the period necessary for the purposes described in this notice plus any legally mandated retention period. Concretely: newsletter email addresses are retained for the life of the subscription; contact-form submissions are retained up to 24 months; server logs are kept up to 90 days; non-identifying aggregate analytics may be retained indefinitely.
Changes to This Notice and How to Reach Us
This California Privacy Notice may be updated periodically. The version on this page is always the current version, and the "Last updated" date shows when it took effect. To exercise any CCPA right or to ask a question about this notice, contact Fintacompass through the Contact form linked in the footer of every page — that form routes directly to the editor responsible for privacy correspondence.