California Privacy Notice (CCPA)

Introduction and Scope

Fundnavero provides this notice to California residents under the California Consumer Privacy Act / California Privacy Rights Act ("CCPA/CPRA"). It describes how we collect, use, and disclose personal information about California consumers and what rights you have with respect to that information. This notice supplements — and should be read together with — our general Privacy Policy.

Categories of Personal Information Collected

In the past twelve (12) months Fundnavero 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

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). Fundnavero does not purchase personal information from data brokers or rent contact lists.

Business and Commercial Purposes

We use the personal information identified above for the following business or commercial purposes, in each case as described to you at the point of collection: providing the editorial product (rendering pages, sending newsletters you have opted into); responding to your messages and inquiries; operating, maintaining, securing, and improving the site; producing aggregated readership analytics; serving advertising in a non-personalized form by default and, where applicable, with your consent; detecting and responding to security incidents; and complying with our legal obligations.

Disclosure to Service Providers and Third Parties

Categories of third parties to which Fundnavero 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

In compliance with the CCPA, Fundnavero confirms that it has not sold or shared the personal information of California consumers (including consumers known to be under 16 years of age) in the past 12 months and does not intend to do so. "Sale" and "sharing" are interpreted as defined by the CCPA; sharing data with operational service providers under contract does not constitute a sale or sharing in that sense.

Sensitive Personal Information

Under the CCPA, certain categories of personal information are designated as "sensitive" — including precise geolocation, government IDs, financial account numbers, racial or ethnic origin, religious beliefs, and similar attributes. Fundnavero does not knowingly collect or process such categories for inferring characteristics about California consumers. Any voluntary submission of sensitive information through our forms is used solely for the workflow you initiated.

Your California Privacy Rights

Under the CCPA, California consumers have the following rights: (1) the right to know what personal information we have collected about you, including the categories of information, the sources, the purposes, and the categories of third parties to which we disclose it; (2) the right to access the specific pieces of personal information we hold; (3) the right to correct inaccurate personal information; (4) the right to request deletion of personal information; (5) the right to opt out of any sale or sharing of personal information (we do not sell or share, but the right exists); (6) the right to limit the use of sensitive personal information; and (7) the right to non-discrimination for exercising any of these rights.

How to Exercise Your Rights

Verifiable consumer requests under the CCPA can be submitted to Fundnavero through our Contact form or to the email address shown on the Contact page. To prevent fraudulent access requests, we will verify your identity using reasonable means tied to the data we hold — typically by confirming control of the email address tied to a subscription or by matching identifiers you provide against information already in our records. We respond to verified requests within the 45-day window required by the statute, with one 45-day extension where reasonably necessary.

California consumers may use an authorized agent to exercise their CCPA rights. To process a request submitted by an agent, Fundnavero 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

Fundnavero 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

Fundnavero will not discriminate against you for exercising any of your CCPA rights. We will not deny you our service, charge you a different price, provide a different level or quality of service, or retaliate against you in any other way because you submitted a request under the CCPA. Because the service is free and the same for all visitors, there is no financial incentive or differential pricing structure for you to opt into or out of.

Retention of Personal Information

Fundnavero follows a proportional retention policy. Newsletter records remain only while the subscription is active, with a minimal suppression entry kept post-unsubscribe to prevent accidental re-add. Contact-form records are retained for up to 24 months for follow-up and recordkeeping. Server logs are kept no longer than 90 days. Any aggregated analytics dataset that contains no identifiers is retained for long-term editorial planning.

Changes to This Notice and How to Reach Us

Fundnavero 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.