California Consumer Privacy Act (CCPA)

Understanding Your Rights Under the CCPA

The California Consumer Privacy Act (CCPA) grants residents of California enhanced rights regarding their personal information. These rights aim to provide transparency about how businesses collect, use, and disclose personal information. This page outlines our compliance with the CCPA and explains your rights as a California resident. Our goal is to empower you with the knowledge necessary to manage your personal information effectively.

Categories of Personal Information We Collect

The CCPA defines "personal information" broadly, covering any data that identifies, relates to, describes, or is capable of being associated with an individual. Below are the categories of personal information we may collect, along with examples and purposes for collection:

  • Contact Information: Includes your name, email address, phone number, and mailing address. This information is used for communication, account management, and customer support purposes.
  • Login Credentials: Refers to your username and password, used to secure your account.
  • Customer Service Information: Includes inquiries submitted through online forms, email, phone, or mail, as well as summaries or recordings of interactions with customer care representatives.
  • Employment or Education Information: Includes education history, resumes, and other job application materials, which may be collected if you apply for jobs through our platform.
  • Social Media Information: Information shared through third-party platforms, such as your name, email, friend list, and other data based on your privacy settings.
  • Device Information and Identifiers: Includes IP addresses, browser types, operating systems, and device-specific information, used for analytics, security, and troubleshooting.
  • Usage Data: Covers information about your interactions with our website, such as pages visited, session duration, and referring URLs, used to improve the user experience.
  • General Geolocation Information: Includes city, state, and ZIP code derived from your IP address or directly provided by you.

How We Use Your Personal Information

The personal information we collect is used to provide, improve, and secure our services. Specific uses include:

  • Delivering requested services, such as account creation, transaction processing, and customer support.
  • Analyzing user behavior to enhance website functionality and content relevance.
  • Customizing marketing communications and on-site content to align with user preferences.
  • Ensuring the security of our website and protecting against fraudulent activity.
  • Complying with legal obligations and responding to law enforcement requests.

Additionally, we may aggregate or de-identify your data to minimize the risk of identification. For example, we might combine your data with others to generate insights for business analysis without exposing individual identities.

Your Rights Under the CCPA

As a California resident, you are entitled to specific rights under the CCPA. These include:

  • Right to Know: You have the right to request details about the personal information we have collected about you over the past 12 months. This includes the categories of data collected, the purposes of collection, and the third parties with whom we have shared your information.
  • Right to Delete: You may request the deletion of your personal information, subject to certain exceptions. For example, we may retain information necessary to complete transactions, detect security incidents, or comply with legal obligations.
  • Right to Opt-Out: You have the right to opt out of the sale or sharing of your personal information. To exercise this right, click the "Do Not Sell/Share My Personal Information" link in our website footer.
  • Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights. This means we will not deny services, charge different prices, or provide a lower quality of service as a result.

To exercise any of these rights, please contact us at privacy[at] wcloanpro.com or use the designated form available on our website.

Sale or Sharing of Personal Information

The CCPA defines "sale" and "sharing" broadly, including scenarios where businesses disclose personal information to third parties for advertising purposes. We may share the following categories of information with advertising partners:

  • Device Information and Identifiers
  • Usage Data
  • General Geolocation Information

If you wish to opt out of such data sharing, please use the "Do Not Sell/Share My Personal Information" link in our website footer or enable a recognized browser-based preference signal.

Additional Information for Sensitive Personal Information

While the CCPA allows consumers to limit the use of sensitive personal information, we only process such information for essential business purposes. For example, login credentials are used exclusively for account security and not shared for marketing purposes. We advise against including sensitive information, such as Social Security Numbers or financial details, in job application materials or other communications.

Shine the Light Law

Under California’s “Shine the Light” law, residents can request information about how their personal information is shared with third parties for direct marketing purposes. We do not disclose personal information to third parties for their independent marketing efforts. If you have questions about this policy, please contact us.

Contact Us

If you have any questions about your rights or our compliance with the CCPA, please reach out to us via email or through the contact form on our website.