Legal Document

California Privacy Rights

Your rights under the California Consumer Privacy Act (CCPA)

Home CCPA

California Consumer Privacy Act Notice

Effective Date: January 1, 2025

Notice to California Residents

This section applies solely to visitors, users, and others who reside in the State of California. We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and the California Privacy Rights Act (CPRA).

1

Information We Collect

We have collected the following categories of personal information from consumers within the last twelve (12) months:

A

Identifiers

Collected

Real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, Social Security number, driver's license number, or other similar identifiers.

B

Personal Information (Cal. Civ. Code § 1798.80(e))

Collected

Name, signature, Social Security number, address, telephone number, passport number, driver's license number, bank account number, credit/debit card number, financial information, medical information.

C

Protected Classification Characteristics

Collected

Age (40 years or older), marital status, citizenship, military/veteran status.

D

Commercial Information

Collected

Records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

F

Internet or Network Activity

Collected

Browsing history, search history, information regarding consumer's interaction with our website, application, or advertisement.

G

Geolocation Data

Collected

Physical location or movements based on IP address.

I

Professional or Employment Information

Collected

Current employer, job title, employment status, income information.

2

Your CCPA Rights

As a California resident, you have the following rights under the CCPA:

Right to Know

Request disclosure of personal information we collected, used, disclosed, or sold about you in the past 12 months.

Right to Delete

Request deletion of personal information we collected from you, subject to certain exceptions.

Right to Correct

Request correction of inaccurate personal information that we maintain about you.

Right to Opt-Out

Opt out of the sale or sharing of your personal information to third parties.

Right to Limit Use

Limit the use and disclosure of sensitive personal information collected about you.

Right to Non-Discrimination

Not receive discriminatory treatment for exercising any of your CCPA rights.

3

Sale of Personal Information

Disclosure About Data Sales

In the preceding twelve (12) months, NeptuneLoan has disclosed personal information to third-party lenders and marketing partners for business purposes. Under the CCPA's broad definition, this may constitute a "sale" of personal information.

Categories of information that may be sold or shared:

  • • Identifiers (name, email, phone, address)
  • • Financial information (income, employment, banking)
  • • Commercial information (loan preferences)
  • • Internet activity (browsing behavior on our site)
4

Do Not Sell My Personal Information

Opt-Out of Sale

You have the right to opt out of the sale of your personal information. To exercise this right, you may:

Email Us

privacy@neptuneloan.com

Call Us

+1-484-569-1268

Online Form

Submit Request

5

How to Submit a Request

To exercise your CCPA rights, you may submit a verifiable consumer request through any of the following methods:

1

Email Request

Send an email to privacy@neptuneloan.com with "CCPA Request" in the subject line.

2

Phone Request

Call our toll-free number +1-484-569-1268 during business hours (Mon-Fri, 8AM-8PM EST).

3

Mail Request

Send written request to: NeptuneLoan Privacy Team, 123 Financial Drive, Suite 400, Wilmington, DE 19801

6

Verification Process

To protect your privacy, we must verify your identity before fulfilling your request. We will ask you to provide:

  • Your full name as provided in your application
  • Email address associated with your account
  • Phone number used in your application
  • Last 4 digits of your Social Security Number
7

Response Timing

10

Days

Acknowledgment

We'll confirm receipt of your request

45

Days

Initial Response

Standard processing time

90

Days

Extended (if needed)

Complex requests may require extension

8

Authorized Agents

You may designate an authorized agent to make a CCPA request on your behalf. To do so:

Provide written authorization signed by you
Agent must provide proof of registration with California Secretary of State (if applicable)
We may still require you to verify your identity directly
9

Contact for CCPA Inquiries

For questions about this CCPA notice or to exercise your California privacy rights:

Email

privacy@neptuneloan.com

Phone

+1-484-569-1268

Mail

123 Financial Dr, Wilmington, DE

Questions? Contact us at legal@neptuneloan.com

Loan Options