California Privacy Notice (CCPA)
Introduction and Scope
This California Privacy Notice supplements the Financeorbitworks Privacy Policy and applies solely to visitors, users, and others who reside in the State of California ("California consumers" or "you"). We provide this notice to comply with the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act (collectively, the "CCPA"). Terms defined in the CCPA have the same meaning when used in this notice.
Categories of Personal Information Collected
In the past twelve (12) months Financeorbitworks may have collected the following categories of personal information from or about California consumers: identifiers (such as IP address and email address when you subscribe); internet or network activity (browsing history on the site, referring URL, time of request); geolocation data at the coarse-grained, city-level resolution derived from IP; commercial information (which newsletters you have subscribed to); inferences drawn from this information (such as aggregated content preferences); and audio or visual information only if you voluntarily submit it (for example, a photo attached to a tip you send through our Contact form).
Sources of Personal Information
Financeorbitworks gathers personal information from three sources only: directly from you (forms you complete on the site); automatically through your device interactions (page requests and cookie state); and indirectly from the service providers we use to operate the website (each of which we contract with under a data-protection agreement). We do not buy or rent personal information from outside parties.
Business and Commercial Purposes
Financeorbitworks processes personal information for clearly defined business purposes: delivering the content you request; sending newsletter editions you have explicitly opted into; replying to messages submitted through our Contact and other forms; producing aggregated reports of site usage for editorial and advertising operations; securing the service against fraud and abuse; and complying with our legal and regulatory obligations under California and other applicable laws.
Disclosure to Service Providers and Third Parties
Categories of third parties to which Financeorbitworks discloses personal information (always under a service-provider or processor agreement) are: hosting, edge/CDN security, email service providers, web-analytics providers, and advertising networks. Each is contractually limited to the specific business purposes for which the information is disclosed and is prohibited from retaining, using, or disclosing the information beyond those purposes.
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
To exercise any of the rights described above, please submit a request through the Contact form linked in the site footer, or by email to the contact address listed on our Contact page. We will need to verify your identity to a degree of certainty proportional to the request — for newsletter records, confirming the email subscribed is usually sufficient; for broader access or deletion requests we may ask for additional information. We will respond within 45 days, or notify you if more time is needed (up to a further 45 days).
California consumers may use an authorized agent to exercise their CCPA rights. To process a request submitted by an agent, Financeorbitworks requires the agent to provide signed written permission from the consumer or a power of attorney, plus reasonable verification of the consumer's identity. We may also contact the consumer to confirm that they have indeed authorized the agent to make the request.
Consumers Under 16 Years of Age
Financeorbitworks 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
Exercising your rights under the CCPA will not result in any adverse treatment by Financeorbitworks. We will not deny you the service, charge a different price, reduce the quality of the service, or otherwise penalize you for submitting a verifiable consumer request. The free editorial content we publish is available on the same terms to all visitors regardless of whether or how they exercise their CCPA rights.
Retention of Personal Information
We retain each category of personal information only for as long as needed to fulfill the purpose for which it was collected, plus any retention required by applicable law. Specifically: newsletter subscribers' email addresses are retained until you unsubscribe (and then moved to a minimal suppression list); contact-form messages are retained for up to 24 months; server access logs are retained for up to 90 days; aggregated analytics data is retained indefinitely in non-identifying form.
Changes to This Notice and How to Reach Us
Financeorbitworks may revise this California Privacy Notice when our practices change, when regulators issue new guidance, or when the law requires. The current version is the one published on this page. To raise any question about this notice — or to submit a request under the CCPA — please use the Contact form linked from the footer of every page on the site.