California Privacy Notice (CCPA)

Introduction and Scope

Capitalclarivo 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

The categories of personal information that Capitalclarivo has collected from California consumers during the past twelve months are: (a) identifiers such as IP addresses and email addresses; (b) personal-records information you submit voluntarily (name and message text in our forms); (c) commercial information (newsletter subscription history); (d) internet or other network activity information (browsing on our site, referring URL); (e) geolocation data of coarse precision; and (f) inferences drawn from the foregoing for the purpose of audience analytics. We do not knowingly collect biometric information, sensory data, professional or employment information, or education information.

Sources of Personal Information

Capitalclarivo 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

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

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

Capitalclarivo does not collect sensitive personal information from California consumers other than as incidentally contained in voluntary submissions (for example, a message you choose to send through the Contact form). We do not use sensitive personal information to infer characteristics about you, and you accordingly have no right-to-limit request to make against us. We will, of course, honor any limitation you wish to apply going forward.

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 Capitalclarivo 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.

An authorized agent (such as a privacy-rights service or an attorney) may submit a CCPA request on behalf of a California consumer. Capitalclarivo will require written authorization from the consumer or a valid power of attorney, and may contact the consumer directly to confirm the request and verify identity. We may decline requests that do not meet the CCPA's authorization and verification requirements.

Consumers Under 16 Years of Age

We do not knowingly collect, sell, or share personal information about California consumers under 16 years of age. Our service is directed to adults. Should we ever change this practice (which we do not anticipate), we would do so only with the express opt-in consent required by the CCPA for consumers aged 13 to 15, or with parental opt-in consent for children under 13. Parents who suspect their child's data has been submitted can contact us for prompt deletion.

Right to Non-Discrimination

Exercising your rights under the CCPA will not result in any adverse treatment by Capitalclarivo. 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

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 Capitalclarivo through the Contact form linked in the footer of every page — that form routes directly to the editor responsible for privacy correspondence.