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Do Not Sell or Share My Personal Information

This request page supports rights requests under the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), and similar state-level privacy statutes where applicable.

1. Rights Notice

Eligible consumers may request that we stop selling or sharing personal information as those terms are defined by applicable privacy law. Submission of this request does not affect lawful data processing required for security, legal compliance, fraud prevention, servicing, or other exemptions recognized by law.

Where a request is received, we will apply the request to covered data flows within statutory timelines after verification and validation requirements are satisfied.

2. Verification Requirements

To protect consumers, we may verify identity or authority before completing requests. Verification may include matching contact data, interaction history, device/session markers, or additional documentation. If verification cannot be reasonably completed, we may deny the request as permitted by law and provide explanatory notice where required.

3. Authorized Agent Submissions

Authorized agents may submit requests on behalf of consumers where legal authority is documented. We may request signed authorization, power-of-attorney documentation, and direct confirmation from the consumer unless exempted by law.

4. Opt-Out Request Form

5. Response Timing and Appeals

We generally acknowledge qualifying requests within ten (10) business days and provide a substantive response within statutory windows, subject to permissible extension under applicable law. If a request is denied in whole or in part, we may provide reason codes, available appeal pathways, and instructions for additional submission information where applicable.

6. Non-Discrimination Statement

We do not discriminate against consumers for exercising privacy rights. However, differences in service functionality may occur when data processing is necessary to deliver requested features, maintain security, or comply with legal obligations.

7. Scope of Opt-Out Processing

Opt-out requests apply to covered sale or sharing activities under applicable law and do not necessarily apply to disclosures required for legal compliance, fraud prevention, security operations, transaction servicing, or other exempt business purposes. Where legally permitted, data already disclosed before request validation may not be retrievable from third parties.

8. Data Needed for Verification and Fulfillment

To complete requests, we may need information sufficient to match records and prevent unauthorized rights exercise. Verification requirements may vary depending on request sensitivity and risk of unauthorized disclosure. We may decline to process unverifiable requests and may request additional documentation when identity evidence is insufficient.

9. Appeal and Escalation Procedures

If you believe your request was denied in error, you may submit an appeal using the support channels listed on this website. Appeals should include the original request date, contact information used in the request, and a concise statement describing why reconsideration is requested. We review appeals consistent with statutory obligations and may request additional verification before final decision.

10. Recordkeeping and Audit Obligations

We may retain request logs, verification metadata, and response records for compliance, legal defense, and audit requirements. Retained records are used to demonstrate fulfillment obligations, monitor process quality, and support lawful reporting where required by regulators.

11. Sensitive Personal Information Limitations

Where applicable law provides rights concerning sensitive personal information, consumers may request limitations on use and disclosure beyond activities necessary to perform services, maintain security, comply with law, or provide reasonably expected operational functions. Requests are evaluated in accordance with statutory exemptions and technical feasibility.

If a requested limitation conflicts with anti-fraud controls, legal retention requirements, or transaction integrity obligations, we may apply partial limitations and provide notice of applicable exceptions where required.

12. Household Requests and Shared Accounts

For requests involving shared devices, household identifiers, or jointly used contact channels, we may request additional verification from each relevant consumer before disclosing or deleting household-level data. This process is intended to prevent unauthorized rights exercise and protect each individual's privacy interests.

13. California Shine the Light and Additional Notices

California residents may have additional rights under California Civil Code Section 1798.83 ("Shine the Light"), subject to statutory scope and exceptions. Requests for disclosure of certain direct-marketing sharing categories may be submitted through the same legal contact channels listed on this page.

Nothing in this notice limits non-waivable rights under federal or state law.

Kradevic: Loan & Credit Guide operates as an informational marketplace and product discovery service that helps visitors compare financial options from participating providers. We do not originate, fund, or service loans, and we do not issue credit cards. Lender and issuer decisions are based on each provider's proprietary underwriting, eligibility, and risk policies. Offers, rates, terms, and fees can change without notice and may differ by state, profile, and requested amount. Information shown on this website is provided for educational and comparison purposes and should not be treated as financial, tax, or legal advice. We encourage all consumers to review formal disclosures, repayment obligations, and total borrowing costs before accepting any offer. By submitting forms, users consent to receive communications related to requested products in accordance with applicable law. If you have questions about a specific product decision, please contact the provider directly using details in their official agreement.

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