California Privacy Notice

Introduction

This California Privacy Notice supplements the information contained in our Privacy Policy and applies solely to visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and the California Privacy Rights Act (CPRA). Any terms defined in the CCPA or CPRA have the same meaning when used in this notice.

Information We Collect

We collect 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 or device ("personal information"). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

• Identifiers: Real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers
• Personal information categories listed in the California Customer Records statute: Name, address, telephone number, financial information
• Commercial information: Records of services purchased, obtained, or considered
• Internet or other similar network activity: Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement
• Geolocation data: Physical location or movements
• Inferences: Profile reflecting a person's preferences, characteristics, behavior, or attitudes

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason you provided the information
• To provide, support, personalize, and develop our website, products, and services
• To create, maintain, customize, and secure your account with us
• To process your requests, purchases, transactions, and payments
• To provide you with support and to respond to your inquiries
• To personalize your website experience and to deliver content and product offerings relevant to your interests
• For testing, research, analysis, and product development
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer

Sharing Personal Information

We may disclose your personal information to third parties for a business purpose. When we disclose personal information for a business purpose, we enter into a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We share your personal information with the following categories of third parties:

• Debt relief service providers and financial service companies
• Service providers and contractors
• Data analytics providers
• Advertising networks and partners
• Operating systems and platforms

Your Rights and Choices

The CCPA and CPRA provide consumers (California residents) with specific rights regarding their personal information. This section describes your rights and explains how to exercise those rights.

Right to Know

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you
• The categories of sources for the personal information we collected about you
• Our business or commercial purpose for collecting that personal information
• The categories of third parties with whom we share that personal information
• The specific pieces of personal information we collected about you

Right to Delete

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete your personal information from our records, unless an exception applies.

Right to Correct

You have the right to request that we correct inaccurate personal information that we maintain about you.

Right to Opt-Out of Sale or Sharing

You have the right to opt-out of the sale or sharing of your personal information. We do not sell personal information in the traditional sense. However, like many companies, we use services that help deliver interest-based ads to users, which may be considered a "sale" or "sharing" under California law.

Right to Limit Use of Sensitive Personal Information

You have the right to limit the use and disclosure of your sensitive personal information to only what is necessary to perform the services or provide the goods reasonably expected by an average consumer.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA/CPRA rights. Unless permitted by law, 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

Exercising Your Rights

To exercise the rights described above, please submit a verifiable consumer request to us by either:

• Calling us at +1 833 380 9971
• Emailing us at support@simplydebtsmart.com
• Visiting our Contact Us page

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

We will respond to a verifiable consumer request within 45 days of its receipt. If we require more time, we will inform you of the reason and extension period in writing.

Authorized Agents

You may designate an authorized agent to make a request on your behalf. The authorized agent must provide written authorization or a power of attorney, signed by you, for the authorized agent to act on your behalf. You will still need to verify your identity directly with us.

"Shine the Light" Law

California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us.

Changes to This Notice

We reserve the right to amend this California Privacy Notice at our discretion and at any time. When we make changes to this notice, we will post the updated notice on the website and update the notice's effective date.

Contact Information

If you have any questions or comments about this notice, our Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us.