California Privacy Notice (CCPA)
Introduction and Scope
If you are a resident of California, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (together, "CCPA"), gives you specific rights regarding the personal information that Moneyaviro collects about you. This notice explains those rights in plain language and tells you how to exercise them. It applies in addition to the protections set out in our general Privacy Policy.
Categories of Personal Information Collected
Over the preceding twelve (12) months Moneyaviro has collected the categories of personal information described below. "Identifiers" — your IP address, browser fingerprint, and any email address you submit. "Customer records" — any name, email, or message you provide through forms. "Commercial information" — your newsletter subscription state. "Internet activity" — the pages you read and the referrer that brought you here. "Geolocation" — coarse city- or country-level derived from IP. "Inferences" — aggregated audience-segment estimates derived from reading behavior.
Sources of Personal Information
Sources of the personal information we hold about California consumers include: you, directly (when you subscribe, contact us, or submit a tip); your browser and device (request headers, IP address, cookie identifiers); and our limited list of operational service providers (hosting, CDN, email delivery, analytics). Moneyaviro does not purchase personal information from data brokers or rent contact lists.
Business and Commercial Purposes
The personal information described in this notice is used by Moneyaviro to operate, secure, and improve the service; to provide the editorial newsletter to subscribers; to answer messages submitted via our forms; to detect and prevent abuse; to produce aggregate audience reports; and to satisfy our legal obligations. We do not use personal information for any purpose materially different from those for which it was originally collected without notifying you.
Disclosure to Service Providers and Third Parties
We disclose personal information to service providers under written contract for the business purposes outlined above. These currently include: our cloud hosting provider; our content-delivery network and edge security provider; our email-delivery vendor (for newsletter distribution); our web-analytics provider; and our advertising network (where ads are displayed). Each service provider is contractually prohibited from retaining, using, or disclosing the personal information for any purpose other than the specific services it provides to us.
Sale and Sharing of Personal Information
We do not sell or share personal information in the manner described by the CCPA — that is, we do not exchange personal information for monetary or other valuable consideration with third parties, and we do not disclose personal information to third parties for the purpose of cross-context behavioral advertising. This has been true for the entire preceding twelve-month period and remains our standing policy.
Sensitive Personal Information
We do not collect or process sensitive personal information as defined by the CCPA for the purpose of inferring characteristics about you. To the extent any sensitive personal information is incidentally collected (for example, if you voluntarily disclose it in a message), we use that information only for the business purpose for which it was provided and not for any additional uses requiring further consent under the CCPA.
Your California Privacy Rights
The CCPA grants California consumers a defined set of rights with respect to their personal information. You have the right to know what we collect, to request a copy of the specific pieces we hold, to correct inaccurate data, to request deletion, to opt out of any sale or sharing (we do not engage in either), to limit the use and disclosure of sensitive personal information, and to receive equal service and pricing regardless of whether you exercise any of these rights.
How to Exercise Your Rights
Requests to exercise CCPA rights should be sent to Moneyaviro via the Contact form or the email address listed on the Contact page. Because we hold only a limited amount of personal information about each consumer, verification is usually straightforward (we typically confirm access to a registered email). We aim to acknowledge requests within ten days and to substantively respond within the 45-day statutory deadline; a single 45-day extension is available when reasonably necessary and we will tell you if we need to use it.
You may also designate an authorized agent to submit a request on your behalf. We will require the agent to provide written permission from you (or a power of attorney) and may verify your identity directly to confirm the request. Agents acting on behalf of multiple consumers under a single permission must still meet the verification standards required by the CCPA for each consumer represented.
Consumers Under 16 Years of Age
Moneyaviro does not sell or share personal information about consumers under the age of 16 and does not have actual knowledge of collecting personal information of children under 13. If we ever decided to sell or share personal information about consumers between the ages of 13 and 16, we would do so only with the affirmative authorization of the consumer (opt-in) as required by the CCPA. Parents and guardians may submit deletion requests on behalf of their children via the Contact form.
Right to Non-Discrimination
We are committed to the CCPA's anti-retaliation principle: Moneyaviro will treat California consumers equally regardless of whether they exercise their CCPA rights. There is no premium or paid tier where rights-exercising consumers receive a lesser experience — the editorial content is the same for everyone. We do not offer financial incentives in exchange for collecting personal information.
Retention of Personal Information
Personal information collected from California consumers is kept by Moneyaviro only for the period necessary for the purposes described in this notice plus any legally mandated retention period. Concretely: newsletter email addresses are retained for the life of the subscription; contact-form submissions are retained up to 24 months; server logs are kept up to 90 days; non-identifying aggregate analytics may be retained indefinitely.
Changes to This Notice and How to Reach Us
This California Privacy Notice may be updated periodically. The version on this page is always the current version, and the "Last updated" date shows when it took effect. To exercise any CCPA right or to ask a question about this notice, contact Moneyaviro through the Contact form linked in the footer of every page — that form routes directly to the editor responsible for privacy correspondence.