Privacy Policy.

2. Information we collect

Because we are a publisher rather than a bank, we do not collect account applications, Social Security numbers, bank or card account numbers, income documentation, or underwriting data on this site. We collect:

• Identifiers you provide — such as your name and email address when you write to us at our contact inbox or ask a question.
• Internet and device activity — browser type, device identifiers, pages viewed, referring URL, session duration, approximate geolocation derived from IP address, and information collected through cookies and similar technologies.
• Affiliate and referral activity — when you click a link to a partner bank or provider, we and our attribution partners may record that a click or referral originated from our site (for example, through a click identifier), so a partner can credit the introduction. This does not include the details of any account you go on to open with the provider.
• Communications — the content of emails or messages you send us and your communication preferences.
• Inferences — aggregate signals about which pages are read and how our content performs.

3. Sources of information

• You directly, when you contact us or submit an inquiry.
• Cookies and analytics providers operating on our site.
• Affiliate and referral-attribution providers, when you click through to a partner.
• Our email routing and infrastructure providers, when you write to our inbox.

4. How we use your information

• Operate, maintain, secure, and improve the site.
• Measure how our content performs and which comparisons are useful.
• Attribute referrals to partners so an introduction can be credited.
• Respond to your questions and requests.
• Detect, prevent, and respond to fraud, abuse, or security incidents.
• Comply with legal obligations and enforce our terms.
• Aggregate or de-identify information for analytics and research.

We do not use your information to run behavioral advertising, and we do not build advertising profiles about you.

5. How we share your information

• Service providers — vendors that host our infrastructure, route our email, deliver analytics, and provide referral attribution, bound by contractual confidentiality and security obligations.
• Partner banks and providers — when you choose to click through to a partner, limited referral-attribution information (such as that a click came from our site) may be shared so the introduction can be credited. We do not send your account details, because we never collect them.
• Our corporate parent and affiliates — ClearValue Money and members of the ClearValue family, under confidentiality protections consistent with this policy.
• Professional advisors — our attorneys, accountants, and auditors, under duty-of-confidentiality protections.
• Government authorities and other parties — when required by law, subpoena, or legal process, or to protect our rights, property, or safety, or those of others.
• An acquirer or successor — in connection with a merger, acquisition, financing, sale of assets, or similar transaction.

We do not sell your personal information for monetary value, and we do not share it for cross-context behavioral advertising. See Section 9 for how to exercise your opt-out right in any event.

6. Cookies and analytics

We use cookies and local storage to operate the site, remember preferences, measure usage with analytics, and attribute referrals. We do not run behavioral advertising and do not place advertising or cross-context targeting cookies on this site. For details on the categories of cookies we use and how to control them, see our Cookie Policy.

7. Global Privacy Control

We honor the Global Privacy Control (GPC) as a valid opt-out signal. If your browser or a browser extension sends a GPC signal, we treat it as a request to opt out of any “sale” or “sharing” of personal information, as those terms are defined under the California Consumer Privacy Act (CCPA/CPRA) and similar state laws, for the browser or device that sends it. Because a GPC signal is tied to a browser rather than to a person, we may not be able to link it to any account you have with us.

10. Data retention

We retain personal information only for as long as reasonably necessary to operate the site, respond to and document your inquiries, comply with our legal, tax, and recordkeeping obligations, resolve disputes, and enforce our agreements. Internet and device activity is typically retained for up to 24 months. When information is no longer needed, we securely delete or de-identify it.

11. Information security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. No method of transmission over the Internet or electronic storage is fully secure, and we cannot guarantee absolute security.

12. Children’s privacy

Our site is intended for adults. We do not knowingly collect personal information from children under 18. If you believe a child has provided personal information to us, please contact us and we will delete it.

13. Partner and third-party links

Our site links to partner banks and providers, to the ClearValue Money parent and other ClearValue brand sites, and to third-party sites we do not operate. This Privacy Policy does not apply to those sites. When you visit a partner bank, a ClearValue brand site, or any other third party, that company’s own privacy policy governs the information you provide there — including anything you enter when opening an account. We encourage you to review the privacy practices of any site before sharing personal information.

14. International users

Our site is operated in the United States and intended for U.S. residents. If you access it from outside the United States, your information will be processed in the United States, where data-protection laws may differ from those in your jurisdiction.

15. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page and update the “Effective” date above. Your continued use of the site after changes become effective constitutes acceptance of the updated policy.