Arvexa Financial

Effective Date: July 16, 2026

Last Updated: July 16, 2026

1) Introduction

If you are a California resident, this notice supplements our Privacy Policy and describes your rights under the California Consumer Privacy Act ("CCPA"), as amended by the California Privacy Rights Act ("CPRA"), and how to exercise those rights.

Please read this notice together with our Privacy Policy.

For purposes of this notice, "Personal Information," "Sensitive Personal Information," "sell," and "share" have the meanings set forth in California law.

2) Notice at Collection

We collect personal information directly from consumers, from their interactions with our website, and from service-provider workflows used to process requests and evaluate debt-relief options and educational comparisons.

Categories collected through our lead and privacy request workflows include identifiers, California Customer Records information, commercial information, internet/electronic activity, and certain sensitive information such as Social Security number and date of birth when provided through lead-intake forms.

We disclose personal information to service providers and to third-party partners involved in responding to requested debt-relief consultations or educational comparisons. We also use analytics and site-performance tools. Depending on implementation and legal interpretation, some online tracking disclosures may be treated as "sharing" for cross-context behavioral advertising in some contexts.

3) Categories, Sources, and Purposes

Category of Personal Information	Sources	Business/Commercial Purposes	Disclosed to Service Providers/Contractors	Sold or Shared
Identifiers (name, email, phone, IP address)	Directly from you; device/browser interactions	Lead intake, privacy requests, account security, communications, analytics	Yes	We do not describe selling identifiers to unrelated parties for their own marketing; some digital disclosures may be treated as "sharing" in certain contexts.
California Customer Records categories (contact details, address, state, ZIP, financial profile data you provide)	Directly from you	Evaluating eligibility, connecting to debt-relief partners, educational guidance, legal compliance	Yes	Not sold to unrelated parties for independent marketing based on current policy language; disclosed to partners to process requested services.
Commercial information (services considered, request type, submitted details)	Directly from you; interactions with request forms	Service support, educational guidance, quality review, fraud prevention	Yes	May be shared with processors and partner networks involved in requested services; not sold to unrelated third parties for their own independent marketing.
Internet or other electronic network activity (browser, device, pages visited, event telemetry)	Your browser/device; analytics integrations	Site operations, performance measurement, product improvement, security	Yes	Depending on implementation, certain analytics/ad-tech signals may be treated as "sharing" under CPRA in some contexts.
Geolocation data (approximate location inferred from IP/device)	Device/browser technical data	Fraud prevention, localization, analytics	Yes, where technical providers process location signals	Not intentionally sold for independent marketing; online disclosures may be treated as sharing in limited contexts.
Sensitive Personal Information (for example SSN and date of birth submitted in lead forms)	Directly from you	Identity verification, fraud prevention, evaluating requested debt-relief pathways, legal compliance	Yes, to contracted processors and service partners as needed for requested services	Not sold for independent marketing; handled for disclosed operational and compliance purposes.
Inferences (service preference indicators derived from submitted information and interactions)	Internal processing of submitted and interaction data	Improve user experience, measure effectiveness, route requests	Yes	May be included in analytics or marketing optimization workflows that can be treated as "sharing" in some contexts.

4) Retention

We retain personal information only as long as reasonably necessary for the purposes described in this notice and our Privacy Policy, including service delivery, legal/compliance obligations, dispute resolution, security monitoring, and recordkeeping.

Retention periods are determined by category, sensitivity, legal obligations, and whether the information remains necessary for operational purposes. When information is no longer required, we delete, de-identify, or otherwise limit its use in accordance with applicable law.

5) Your California Privacy Rights

Right to Know/Access information collected, used, disclosed, sold, or shared.
Right to Data Portability for eligible request responses.
Right to Delete personal information, subject to legal exceptions.
Right to Correct inaccurate personal information.
Right to Opt Out of Sale/Sharing of personal information.
Right to Limit Use/Disclosure of Sensitive Personal Information, where applicable.
Right to Non-Discrimination and equal service/price, except as permitted by law.

6) How to Submit Requests

You may submit a verifiable request through the following methods:

You can use these channels for access, correction, deletion, portability, opt-out, and sensitive-information requests.

7) Verification and Authorized Agents

To protect your information, we verify requestor identity before processing certain requests. Verification steps may vary based on the type of request, the sensitivity of information, and your existing relationship with us.

You may designate an authorized agent to submit a request on your behalf. We may require signed authorization, proof of agency, and/or direct confirmation from you, as permitted by law.

We generally respond within 45 days of receiving a verifiable request. If reasonably necessary, we may extend once by an additional 45 days and provide notice explaining the reason for the extension.

9) Global Privacy Control (GPC)

We are committed to honoring browser-based opt-out preference signals, including GPC, where we can reliably detect and technically apply them to the browser or device making the request.

If you believe your GPC signal was not processed as expected, submit a request through /privacy-request or contact us by email/phone so we can process your request manually.

10) Sensitive Personal Information

Our lead intake workflow may collect sensitive personal information, including Social Security number and date of birth, to support identity verification, fraud prevention, and evaluation of requested debt-relief guidance.

We use and disclose sensitive personal information for disclosed business purposes and as otherwise permitted by law. If you wish to request limits on the use or disclosure of sensitive personal information, submit a request through /privacy-request and specify that your request concerns limiting sensitive personal information use/disclosure.

11) Minors

Our services are intended for individuals who are at least 18 years old.

We do not knowingly sell or share personal information of consumers under 16 years of age without the affirmative authorization required by California law.

If we learn that personal information from a consumer under 16 was processed without required authorization, we will take steps to address the data and applicable rights requests.

12) Financial Incentives

We do not currently describe a California financial-incentive program in exchange for personal information on this website.

If a financial-incentive program is offered in the future, we will provide the required notice describing material terms, how to opt in, how to withdraw, and how any value calculation is determined.

13) Contact Information

For California privacy rights requests or questions, contact us:

This website does not currently publish a dedicated privacy mailing address. If you need a mailed response option or an accessible alternative format, contact us using one of the methods above and we will assist you.

14) Effective Date and Last Updated

Effective Date: July 16, 2026

Last Updated: July 16, 2026

15) Changes to This Notice

We may update this notice from time to time. When we do, we will post the revised notice on this page and update the "Last Updated" date.

Effective Date: July 16, 2026

Last Updated: July 16, 2026

1) Introduction

Please read this notice together with our Privacy Policy.

For purposes of this notice, "Personal Information," "Sensitive Personal Information," "sell," and "share" have the meanings set forth in California law.

2) Notice at Collection

3) Categories, Sources, and Purposes

Category of Personal Information	Sources	Business/Commercial Purposes	Disclosed to Service Providers/Contractors	Sold or Shared
Identifiers (name, email, phone, IP address)	Directly from you; device/browser interactions	Lead intake, privacy requests, account security, communications, analytics	Yes	We do not describe selling identifiers to unrelated parties for their own marketing; some digital disclosures may be treated as "sharing" in certain contexts.
California Customer Records categories (contact details, address, state, ZIP, financial profile data you provide)	Directly from you	Evaluating eligibility, connecting to debt-relief partners, educational guidance, legal compliance	Yes	Not sold to unrelated parties for independent marketing based on current policy language; disclosed to partners to process requested services.
Commercial information (services considered, request type, submitted details)	Directly from you; interactions with request forms	Service support, educational guidance, quality review, fraud prevention	Yes	May be shared with processors and partner networks involved in requested services; not sold to unrelated third parties for their own independent marketing.
Internet or other electronic network activity (browser, device, pages visited, event telemetry)	Your browser/device; analytics integrations	Site operations, performance measurement, product improvement, security	Yes	Depending on implementation, certain analytics/ad-tech signals may be treated as "sharing" under CPRA in some contexts.
Geolocation data (approximate location inferred from IP/device)	Device/browser technical data	Fraud prevention, localization, analytics	Yes, where technical providers process location signals	Not intentionally sold for independent marketing; online disclosures may be treated as sharing in limited contexts.
Sensitive Personal Information (for example SSN and date of birth submitted in lead forms)	Directly from you	Identity verification, fraud prevention, evaluating requested debt-relief pathways, legal compliance	Yes, to contracted processors and service partners as needed for requested services	Not sold for independent marketing; handled for disclosed operational and compliance purposes.
Inferences (service preference indicators derived from submitted information and interactions)	Internal processing of submitted and interaction data	Improve user experience, measure effectiveness, route requests	Yes	May be included in analytics or marketing optimization workflows that can be treated as "sharing" in some contexts.

4) Retention

5) Your California Privacy Rights

Right to Know/Access information collected, used, disclosed, sold, or shared.
Right to Data Portability for eligible request responses.
Right to Delete personal information, subject to legal exceptions.
Right to Correct inaccurate personal information.
Right to Opt Out of Sale/Sharing of personal information.
Right to Limit Use/Disclosure of Sensitive Personal Information, where applicable.
Right to Non-Discrimination and equal service/price, except as permitted by law.

6) How to Submit Requests

You may submit a verifiable request through the following methods:

You can use these channels for access, correction, deletion, portability, opt-out, and sensitive-information requests.

7) Verification and Authorized Agents

You may designate an authorized agent to submit a request on your behalf. We may require signed authorization, proof of agency, and/or direct confirmation from you, as permitted by law.

We generally respond within 45 days of receiving a verifiable request. If reasonably necessary, we may extend once by an additional 45 days and provide notice explaining the reason for the extension.

9) Global Privacy Control (GPC)

We are committed to honoring browser-based opt-out preference signals, including GPC, where we can reliably detect and technically apply them to the browser or device making the request.

If you believe your GPC signal was not processed as expected, submit a request through /privacy-request or contact us by email/phone so we can process your request manually.

10) Sensitive Personal Information

11) Minors

Our services are intended for individuals who are at least 18 years old.

We do not knowingly sell or share personal information of consumers under 16 years of age without the affirmative authorization required by California law.

If we learn that personal information from a consumer under 16 was processed without required authorization, we will take steps to address the data and applicable rights requests.

12) Financial Incentives

We do not currently describe a California financial-incentive program in exchange for personal information on this website.

If a financial-incentive program is offered in the future, we will provide the required notice describing material terms, how to opt in, how to withdraw, and how any value calculation is determined.

13) Contact Information

For California privacy rights requests or questions, contact us:

14) Effective Date and Last Updated

Effective Date: July 16, 2026

Last Updated: July 16, 2026

15) Changes to This Notice

We may update this notice from time to time. When we do, we will post the revised notice on this page and update the "Last Updated" date.

Your California Privacy Choices

1) Introduction

2) Notice at Collection

3) Categories, Sources, and Purposes

4) Retention

5) Your California Privacy Rights

6) How to Submit Requests

7) Verification and Authorized Agents

9) Global Privacy Control (GPC)

10) Sensitive Personal Information

11) Minors

12) Financial Incentives

13) Contact Information

14) Effective Date and Last Updated

15) Changes to This Notice

Your California Privacy Choices

1) Introduction

2) Notice at Collection

3) Categories, Sources, and Purposes

4) Retention

5) Your California Privacy Rights

6) How to Submit Requests

7) Verification and Authorized Agents

9) Global Privacy Control (GPC)

10) Sensitive Personal Information

11) Minors

12) Financial Incentives

13) Contact Information

14) Effective Date and Last Updated

15) Changes to This Notice

Your California Privacy Choices

1) Introduction

2) Notice at Collection

3) Categories, Sources, and Purposes

4) Retention

5) Your California Privacy Rights

6) How to Submit Requests

7) Verification and Authorized Agents

8) Sale/Sharing and Cross-Context Behavioral Advertising

9) Global Privacy Control (GPC)

10) Sensitive Personal Information

11) Minors

12) Financial Incentives

13) Contact Information

14) Effective Date and Last Updated

15) Changes to This Notice

Your California Privacy Choices

1) Introduction

2) Notice at Collection

3) Categories, Sources, and Purposes

4) Retention

5) Your California Privacy Rights

6) How to Submit Requests

7) Verification and Authorized Agents

8) Sale/Sharing and Cross-Context Behavioral Advertising

9) Global Privacy Control (GPC)

10) Sensitive Personal Information

11) Minors

12) Financial Incentives

13) Contact Information

14) Effective Date and Last Updated

15) Changes to This Notice