NOTICE TO CALIFORNIA RESIDENTS

CCPA Scope and Exclusions

The rights and protections contained in the CCPA apply to consumers which are defined as natural persons who are California residents. The rights and protections under the CCPA do not apply to business entities or natural persons who reside outside California, for other than transitory purposes.
This CCPA Notice does not apply to the personal information we collect, use or disclose about:

Consumers who initiate or complete the process of applying for financial products or services. This is because this information is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and implementing regulations, or the California Financial Information Privacy Act (“FIPA”), or Representatives of businesses that seek to obtain our products or services, or to provide products or services to us. For additional information relating to your choices about this information specifically, see our Consumer Privacy Disclosure.

Privacy Practices

We do not sell personal information. As we explain in our Privacy Policy.
We use cookies and other tracking technologies to analyze website traffic and facilitate advertising. If you would like to learn how you may opt out of our (and our third-party advertising partners’) use of cookies and other tracking technologies, please review the instructions provided in the Online Tracking Opt-out Guide.

Privacy Rights

Subject to certain exceptions under the law, the CCPA grants you the following rights:

1. The right to request the categories of personal information that we have collected about you
2. The right to request the categories of sources from which your personal information is collected
3. The right to request the business or commercial purpose for collecting or selling your personal information
4. The right to request the categories of third parties with whom we share your personal information
5. The right to request the specific pieces of personal information we have collected about you
6. The right to request that we delete certain personal information that we have collected from you
7. The right to request the categories of personal information that we disclosed about you for a business purpose
8. The right to request the categories of personal information sold and the categories of third parties to whom your information was sold
9. The right to opt out of the sale of your personal information, and
10. The right not to be discriminated against as a result of your exercise of any of these consumer rights.

How to Submit a Request

To access your rights, please send a request to privacy@loaning.ai or call us at 213-426-1118.

• Identity verification.
  The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request. We will ask you to verify your identity when you submit a request.
• Authorized agents.
  California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.

Categories of Personal Information We Collect

We collect information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (personal information). In particular, in the preceding 12 months, the information we have collected includes the following categories of personal information about Consumers:

1. Identifiers.
2. California Customer Records (per the Cal. Civ. Code § 1798.80(e)).
3. Protected classification characteristics under California or federal law.
4. Commercial information.
5. Biometric information.
6. Internet or other similar network activity.
7. Geolocation data.
8. Sensory data.
9. Professional or employment -related information.
10. Non-public education information (per the Family Educational Rights and Privacy Act(20 U.S.C. Section 1232g,34 C.F.R. Part 99)).
11. Inferences drawn from other personal information.

Categories of Source from which We Receive Personal Information

We obtain the categories of personal information listed above about consumers from the following categories of sources:

• Directly from you or your agent when you or your agent submit the information to us
• Advertising Networks
• Internet Service Providers
• Data Analytics Providers
• Government Entities
• Operating Systems and Platforms
• Social Networks
• Consumer Reporting Agencies or Consumer Data Resellers
• From other 3rd party service providers with which we contract

Our Business or Commercial Purpose for Collecting or Using Personal Information

We or our service providers use your personal information for our operational purposes, or other notifi ed purposes, which uses we strive to ensure are reasonably necessary and proportionate to achieve our operational purposes for which we collect your information in the first place, or for which we process your information, or for another operational purpose that is compatible with the context in which we collect your personal information.

Categories of Third Parties with whom We Share Personal Information

Please note that we may also disclose all personal information as described in the “Who Do We Share Your Information With?” section of the Privacy Policy.

Personal Information about Minors

We do not knowingly collect or disclose the personal information of minors under the age of 16 years of age without affirmative authorization.

Our website www.loaning.ai and all websites owned and operated by HabitFactory USA are intended only for those persons with legal capacity to contract. We do not knowingly collect personally identifiable data from persons under the age of 16, and we strive to comply with the provisions of COPPA (The Children’s Online Privacy Protection Act). If you are a parent or legal guardian and think your child under 16 has provided us with information, please contact us at privacy@loaning.ai or call us at 213-426-1118.

You can also write to us at the address listed as below. Please mark your inquiries “COPPA Information Request.”

HabitFactory USA, Inc.
3435 Wilshire Blvd. Ste. 1940
Los Angeles, CA 90010

Changes to Our California Consumer Privacy Policy

We reserve the right to amend this Policy at our discretion and at any time. When we make changes to this Policy, we will notify you by email or through a notice on our website www.loaning.ai and all websites owned and operated by HabitFactory USA.