CA Privacy Notice
Effective Date: August 10, 2026
Last Updated: August 10, 2026
This California Privacy Notice supplements the Smart Loan Aid Privacy Policy and applies to personal information relating to California residents to the extent governed by the California Consumer Privacy Act, as amended by the California Privacy Rights Act, collectively referred to as the "CCPA."
Atrium Insights Group Inc., doing business as Smart Loan Aid ("Smart Loan Aid," "we," "us," or "our"), provides this notice to explain our collection, use, disclosure, retention, and handling of personal information and the privacy rights available to California residents.
Personal Information We Collect
Depending on your interactions with Smart Loan Aid, we may collect the following categories of personal information.
Identifiers
Examples may include:
● Name
● Email address
● Telephone number
● Mailing address
● IP address
● Device identifiers
● Cookie identifiers
● Other online identifiers
We may use this information to provide services, communicate with you, respond to inquiries, facilitate consultations, maintain security, process privacy requests, and administer business operations.
Customer Records Information
Examples may include:
● Name
● Contact information
● Student loan information
● Financial information you voluntarily provide
● Employment information
● Income information
● Information relating to your inquiry or requested services
We may use this information to understand your circumstances, provide educational information, assist with services you request, facilitate referrals or third-party interactions you authorize, and provide customer support.
Commercial Information
Examples may include:
● Services requested
● Inquiry history
● Consultation history
● Referral history
● Communication history
● Interaction with our website or services
We may use this information to operate and improve our services, provide support, administer referrals, and understand user preferences.
Internet or Electronic Network Activity
Examples may include:
● IP address
● Browser information
● Device information
● Pages viewed
● Links clicked
● Referring website
● Website interaction data
● Cookie and advertising identifiers
We may use this information for website functionality, security, analytics, fraud prevention, advertising measurement, and marketing activities.
Geolocation Information
We may collect approximate location information based on your IP address or information you provide, such as your state of residence.
We may use this information for regional services, fraud prevention, analytics, legal compliance, and privacy rights administration.
Professional or Employment Information
Examples may include:
● Employment status
● Employer
● Occupation
● Income-related information voluntarily provided
We may use this information when relevant to your inquiry or requested services.
Education Information
Examples may include:
● School attended
● Educational program
● Graduation status
● Student loan-related education information
We may use this information to provide student loan education and assistance.
Audio and Electronic Information
Examples may include:
● Call recordings
● Voicemails
● Emails
● Text messages
● Website inquiries
● Customer support communications
We may use this information for customer support, quality assurance, compliance, recordkeeping, and dispute resolution.
Inferences
We may develop limited inferences regarding the types of information, resources, services, or assistance that may be relevant to you based on information you provide and your interactions with us.
Sensitive Personal Information
Smart Loan Aid does not ordinarily request highly sensitive information such as:
● Social Security numbers
● Bank account passwords
● Loan servicer passwords
● Complete payment card information
● Government identification documents
● Precise geolocation information
● Biometric identifiers
If sensitive personal information is voluntarily provided or collected through a specifically authorized process, we use it only for reasonably necessary and legally permitted purposes.
Consent and Privacy Records
We may maintain:
● Marketing consent records
● Communication consent records
● Opt-out requests
● Privacy requests
● Unsubscribe records
● Dates and times of consent
● Information needed to document privacy preferences
Sources of Personal Information
We may collect personal information from:
● You
● Your browser or device
● Cookies and similar technologies
● Service providers
● Marketing or referral sources
● Third parties involved in services you request
● Publicly available sources where permitted by law
Purposes for Collection and Use
We may collect and use personal information for:
● Responding to inquiries
● Providing educational information
● Scheduling consultations
● Providing requested services
● Customer support
● Communicating with you
● Facilitating introductions or referrals you request
● Improving our website and services
● Website analytics
● Advertising measurement
● Marketing
● Fraud prevention
● Cybersecurity
● Legal compliance
● Maintaining business records
● Handling privacy requests
● Protecting legal rights
● Resolving disputes
We do not retain personal information longer than reasonably necessary for the purposes for which it was collected, subject to legal, compliance, fraud prevention, security, and recordkeeping needs.
Categories of Personal Information Disclosed for Business Purposes
Depending on your interactions with us, we may disclose the categories described above to:
● Website hosting providers
● Cloud providers
● Communications providers
● Customer relationship management platforms
● Customer support providers
● Analytics providers
● Security providers
● Payment processors
● Professional advisers
● Compliance providers
● Other service providers performing services on our behalf
We may also disclose relevant information to independent third parties when you request or authorize us to facilitate an interaction with that party.
Sale and Sharing of Personal Information
California law defines "sale" and "sharing" broadly.
A sale may include providing personal information to a third party for monetary or other valuable consideration.
Sharing includes providing personal information for cross-context behavioral advertising.
Certain online advertising or analytics activities may be considered sharing under California law.
Certain transfers of information to independent third parties may be considered a sale if the transfer is made for monetary or other valuable consideration and does not qualify for an applicable legal exception.
California residents may exercise the right to opt out through our Do Not Sell or Share My Personal Information page.
We do not sell sensitive personal information.
We do not knowingly sell or share the personal information of consumers under 16 years of age.
Sensitive Personal Information
Smart Loan Aid does not use or disclose sensitive personal information for purposes of inferring characteristics about California consumers in a manner that requires a separate limitation right under the CCPA.
If our practices change in a way that creates such a right, we will provide the legally required method for exercising it.
Your California Privacy Rights
Subject to applicable exceptions, California residents may have the following rights.
Right to Know and Access
You may request information about:
● Categories of personal information collected
● Categories of sources
● Business or commercial purposes for collection
● Categories of third parties to whom information is disclosed
● Categories of information sold or shared
● Specific pieces of personal information maintained about you
Right to Delete
You may request deletion of personal information we collected from you, subject to legal exceptions.
Right to Correct
You may request correction of inaccurate personal information we maintain about you.
Right to Opt Out of Sale or Sharing
You may direct Smart Loan Aid not to sell or share your personal information as those terms are defined under California law.
You may exercise this right through our Do Not Sell or Share My Personal Information page.
Right to Limit Certain Uses of Sensitive Personal Information
Where applicable, California residents may have the right to limit certain uses or disclosures of sensitive personal information.
Right to Nondiscrimination
You have the right to exercise your California privacy rights without unlawful discrimination or retaliation.
We will not unlawfully deny services, charge different prices, provide a different level of service, or retaliate against you solely because you exercised a privacy right.
How to Submit a California Privacy Request
You may submit a request to know, access, correct, or delete personal information by contacting us at:
Email: info@smartloanaid.com
Phone: (844) 869-5521
Please use the subject line California Privacy Request when contacting us by email.
Verification of Requests
For requests to access, correct, or delete personal information, we may take reasonable steps to verify your identity.
Verification may include matching information you provide with information we already maintain or confirming control of an email address or telephone number associated with your information.
We will request only information reasonably necessary to verify and process the request.
We do not require identity verification merely to process a request to opt out of the sale or sharing of personal information.
Authorized Agents
You may designate an authorized agent to submit a California privacy request on your behalf where permitted by law.
We may request reasonable evidence of the agent's authority and may verify your identity where permitted.
Global Privacy Control
Where required by California law, Smart Loan Aid recognizes qualifying Global Privacy Control signals as requests to opt out of applicable sale or sharing.
A Global Privacy Control signal may initially apply to the browser or device transmitting the signal.
Where legally required and reasonably possible, we may associate the preference with other information connected to you.
Response Timing
We respond to California privacy requests within the time periods required by applicable law.
Requests to access, know, correct, or delete personal information are generally processed within 45 days after receipt, subject to any legally permitted extension.
Requests to opt out of sale or sharing are processed as soon as reasonably possible and within applicable legal requirements.
Opting Back In
If you have opted out of sale or sharing, we will not treat later interactions as consent to resume those activities unless you affirmatively choose to opt back in where required by law.
Children
Our services are intended for individuals who are at least 18 years old.
We do not knowingly sell or share the personal information of individuals under 16 years of age.
Financial Information Subject to Other Laws
Certain financial information may be governed by federal financial privacy laws or other laws that provide separate privacy protections.
Where information is exempt from the CCPA because it is governed by another applicable law, it will be handled in accordance with the applicable legal requirements.
Changes to This California Privacy Notice
We may update this California Privacy Notice periodically.
When we make changes, we will revise the Last Updated date at the top of this page.
Contact Us
For questions regarding this California Privacy Notice or your California privacy rights, please contact:
Atrium Insights Group Inc.
d/b/a Smart Loan Aid
30 N Gould St Ste N
Sheridan, WY 82801
Phone: (844) 869-5521
Email: info@smartloanaid.com