Your California Privacy Rights
This notice supplements our Privacy Policy and applies only to California residents. It describes the categories of personal information we collect, how we use and share it, and the rights you have under the California Consumer Privacy Act of 2018 ("CCPA"), as amended by the California Privacy Rights Act of 2020 ("CPRA"), and other applicable California laws.
1. Categories of personal information we collect
In the past 12 months, we have collected the following categories of personal information from California consumers:
| Category | Examples | Collected? |
|---|---|---|
| Identifiers | Name, email, phone number, IP address | Yes |
| Customer records | Mailing address, ZIP code, financial details you submit | Yes |
| Commercial information | Loan amount requested, loan purpose | Yes |
| Internet/network activity | Browser type, pages viewed, referring URLs | Yes |
| Geolocation data | General location inferred from IP address (city/state level) | Yes |
| Inferences | Estimated credit tier, approximate annual income (only what you tell us) | Yes |
| Sensitive personal information | Precise geolocation, government IDs, account login credentials, racial/ethnic origin, religion, health, sex life, biometric data | No |
| Audio, electronic, or visual | Recordings, photos, video | No |
| Education information | Records protected under FERPA | No |
| Biometric information | Fingerprints, faceprints, etc. | No |
2. Sources of personal information
We collect personal information from:
- You directly, when you fill out a form on our Site or contact us by email
- Your device and browser, automatically when you visit the Site
- Our service providers, such as our hosting and analytics vendors
- Public sources and partners, in limited cases where we receive referrals or pre-qualified inquiries
3. Why we collect personal information
We collect and use the categories above for the following business purposes:
- To process your loan-matching request and present you with relevant loan options
- To communicate with you about your inquiry by email, and (if you provided a phone number and consent) by phone or text
- To send marketing communications, only if you opted in
- To operate, secure, and improve our Site
- To detect and prevent fraud, abuse, and security incidents
- To comply with applicable legal obligations and respond to lawful requests
4. How we share personal information
We share the categories of personal information described above with:
- Lending partners and lender networks, so they can evaluate your request and present you with offers
- Service providers (hosting, email delivery, analytics) who help us run the Site
- Legal and safety recipients when required by law or to protect rights and safety
- Successors in the event of a merger, acquisition, or sale of assets
5. "Sale" and "sharing" under California law
The CCPA defines "sale" and "sharing" broadly. While we do not sell personal information for money in the traditional sense, our practice of sharing your information with lending partners may be considered a "sale" or "sharing" under California law because we receive valuable consideration (such as referral compensation) from those partners.
You have the right to opt out of this sharing. See Section 7 below for how to do so.
We do not knowingly sell or share the personal information of consumers under 16 years of age.
6. Retention
We retain personal information for as long as necessary to fulfill the purposes described in our Privacy Policy, including for record-keeping, fraud prevention, and to comply with our legal obligations. Specific retention periods depend on the type of information and the purpose for which it was collected. You can request deletion at any time using the process below.
7. Your California rights
Subject to certain exceptions, California residents have the following rights:
Right to know
You can request that we disclose what personal information we have collected about you, including the categories, the sources, the business purposes, and the categories of third parties we have shared it with.
Right to access (request a copy)
You can request a portable copy of the specific pieces of personal information we hold about you.
Right to delete
You can ask us to delete the personal information we have collected from you, subject to certain exceptions (for example, where we need to retain information to comply with the law or detect fraud).
Right to correct
You can ask us to correct inaccurate personal information we maintain about you.
Right to opt out of sale or sharing
You can ask us to stop sharing your personal information with lending partners or other third parties that may qualify as a "sale" or "sharing" under California law. To opt out, follow the process in Section 8.
Right to limit use of sensitive personal information
We do not collect sensitive personal information as defined by the CCPA, so this right does not currently apply. If our practices change, we will update this notice.
Right to non-discrimination
We will not discriminate against you for exercising any of your CCPA rights — including by denying services, charging different prices, or providing a lower quality of service.
8. How to submit a request
To exercise any of the rights described above, email us at:
creditdawn@protonmail.com
Subject line: California Privacy Request
In your email, please include:
- Which right you are exercising (know, access, delete, correct, or opt out of sale/sharing)
- Your full name and the email address you used on our Site (so we can locate your records)
- Any additional details that help us verify your identity
We will acknowledge your request within 10 business days and respond substantively within 45 calendar days, with one 45-day extension if reasonably necessary. We will inform you in writing if we cannot fulfill your request and why.
Verification
To protect your information, we will verify your identity before responding. We may ask you to confirm details we already have on file (such as the email address used to submit your loan request) or to provide a signed declaration confirming your identity.
Authorized agents
You can designate an authorized agent to make a request on your behalf. The agent must provide written permission signed by you, and we may still need to verify your identity directly.
9. "Do Not Sell or Share My Personal Information"
You can opt out of the "sale" or "sharing" of your personal information at any time by emailing us at creditdawn@protonmail.com with the subject line "Do Not Sell or Share My Personal Information." We will process your request within 15 business days.
Our Site also responds to Global Privacy Control (GPC) signals where technically supported. If you have GPC enabled in your browser, we will treat that signal as an opt-out request for your browser session.
10. Shine the Light
California Civil Code Section 1798.83 (the "Shine the Light" law) permits California residents to request information about disclosures of personal information to third parties for those third parties' direct marketing purposes. We do not disclose personal information to third parties for their direct marketing purposes without your consent.
11. Changes to this notice
We may update this California Privacy Rights notice from time to time. The "Last updated" date at the top reflects the most recent revision.
12. Contact us
Questions or requests can be sent to:
Fast Loan Utah LLC
d/b/a CreditDawn
1042 Fort Union Blvd, Unit 1096
Midvale, UT 84047
Email: creditdawn@protonmail.com