Privacy Policy

This Privacy Policy explains how SnowballGuide (“SnowballGuide,” “we,” “us,” or “our”) collects, uses, shares, and protects information about visitors to this website. SnowballGuide is an independent informational publisher and referral service. We publish general educational guides and we connect interested consumers with third-party marketing partners. We are not a bank, lender, insurer, credit repair organization, or government agency, and we do not approve applications, set terms, or guarantee that any particular offer will be available to you.

By using this website or submitting information through any form on it, you agree to the practices described in this Privacy Policy.

Information We Collect

We collect two general categories of information:

Information you give us

• Identifiers and contact details you enter into forms on this site, such as your first and last name, email address, telephone number, mailing address, and ZIP code.
• Any additional information you voluntarily provide in a form field, survey question, or email to us.

Information collected automatically

• IP address, approximate geographic location derived from IP, and device identifiers.
• Browser type, operating system, screen size, and language settings.
• Pages viewed, time spent on pages, referring and exit URLs, and click activity on ads and links.
• Data collected through cookies, web beacons, tracking pixels, local storage, and similar technologies used by us and by our advertising and analytics partners.

Most browsers let you refuse or delete cookies. If you disable cookies, portions of this site may not function as intended.

How We Use Information

• To operate, maintain, secure, and improve this website and its content.
• To connect you with third-party marketing partners and to allow those partners to contact you about offers, products, and services.
• To respond to your questions and requests.
• To measure the performance of our content and advertising placements, including attribution and conversion reporting.
• To detect and prevent fraud, abuse, and other unlawful activity.
• To comply with applicable law and legal process.

Sharing With Third-Party Marketing Partners

This is central to how our site operates, so we want to be direct about it. When you submit a form on this website, the information you provide is transmitted to one or more third-party marketing partners, advertisers, aggregators, lead buyers, service providers, and their affiliates and vendors. Those parties may contact you about a wide variety of products and services, which may be unrelated to the article or guide you were reading. They may also retain, use, share, and sell your information in accordance with their own privacy policies, which we do not control.

Depending on the arrangement, this sharing may be considered a “sale” or “sharing” of personal information under California law. See the California Consumer Privacy Act section below for your opt-out rights.

We may also disclose information:

• to vendors who host, analyze, or support the site on our behalf;
• in connection with a merger, acquisition, financing, or sale of all or part of our business;
• when required by law, subpoena, or court order, or when we believe disclosure is necessary to protect our rights, safety, or property, or that of others.

Telephone and Text Message Consent (TCPA)

By submitting your information through a form on this site and checking any related consent box, you provide your prior express written consent for SnowballGuide and one or more third-party marketing partners (and their agents) to contact you at the telephone number and email address you provided, including by automatic telephone dialing systems, artificial or prerecorded voice messages, SMS/text messages, and email, even if the number you provided is on a federal, state, or corporate Do Not Call list.

Consent is not a condition of purchasing or receiving any product, service, or offer. Message and data rates may apply, and message frequency varies. You may revoke consent at any time by replying STOP to a text message, by asking a caller to place you on their internal do-not-call list, by following the unsubscribe instructions in an email, or by contacting us at the address below. Revoking consent with us does not automatically revoke consent you have given directly to a third party; you may need to contact that party directly.

Security Precautions

We use commercially reasonable administrative, technical, and physical safeguards designed to protect information against loss, misuse, and unauthorized access, including encrypted transmission of form submissions. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. You transmit information to us at your own risk.

Age Restriction

This website is intended solely for users who are at least 18 years old and residents of the United States. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected information from a person under 18, we will delete it. If you believe a minor has provided us information, contact us at the address below.

Third-Party Links and Content

This site contains advertising units, embedded widgets, and links operated by third parties. When you click a link or interact with an embedded unit, you may leave our site or interact directly with the third party. We are not responsible for the content, privacy practices, or data handling of any third party, and this Privacy Policy does not apply to them. Please review their policies before providing information.

Updating or Deleting Your Information

You may request that we correct, update, or delete the personal information we hold about you by emailing [SnowballGuide contact email] or by writing to the mailing address below. Please include the name, email address, and phone number you submitted so we can locate your record. We will respond within the time required by applicable law. Note that information already transmitted to third-party marketing partners must be corrected or deleted by contacting those parties directly, and we may retain records as required for legal, security, or recordkeeping purposes.

Opt-Out Instructions

• Email: send an opt-out request to [SnowballGuide CCPA email] with the subject line “Opt Out.”
• Mail: write to the mailing address listed in the Contact section.
• Phone: call [SnowballGuide phone].
• Text messages: reply STOP to any message you receive.
• Email marketing: use the unsubscribe link in the footer of any marketing email.

California Consumer Privacy Act (CCPA)

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act, provides you with additional rights regarding your personal information (“PI”).

Categories of PI we collect

• Identifiers: name, postal address, email address, telephone number, IP address, and online identifiers.
• Customer records information: contact details submitted through forms.
• Commercial information: records of offers viewed, clicked, or requested.
• Internet or network activity: browsing and interaction data on this site, including cookie and pixel data.
• Geolocation data: approximate location inferred from IP address or ZIP code.
• Inferences: preferences and characteristics derived from the above.

We collect these categories directly from you, automatically from your device, and from our advertising and analytics vendors. We use them for the business purposes described in the “How We Use Information” section. We do not knowingly collect or sell the PI of consumers under 16 years of age.

Categories of PI disclosed or sold in the preceding 12 months

We have disclosed for a business purpose, and may have sold or shared as those terms are defined under California law, the following categories to third-party marketing partners, advertisers, lead buyers, aggregators, analytics providers, and service providers: identifiers, customer records information, commercial information, internet or network activity, geolocation data, and inferences.

Your rights

• Right to know: request the categories and specific pieces of PI we have collected, the sources, the business purpose, and the categories of third parties with whom we shared it.
• Right to delete: request deletion of PI we collected from you, subject to legal exceptions.
• Right to correct: request correction of inaccurate PI.
• Right to opt out of sale or sharing: direct us not to sell or share your PI. See our Do Not Sell or Share My Personal Information page.
• Right to non-discrimination: we will not deny you services, charge different prices, or provide a different level of quality because you exercised a privacy right.

To submit a request, email [SnowballGuide CCPA email] with “CCPA Request” in the subject line, call [SnowballGuide phone], or write to us at the address below. We will verify your identity using the information you submitted to us. An authorized agent may submit a request on your behalf with written permission.

Amendments to This Policy

We may update this Privacy Policy at any time. Changes take effect when the revised policy is posted, and the “Updated” date at the top will reflect the most recent revision. Your continued use of this site after changes are posted constitutes acceptance of the revised policy. We encourage you to review this page periodically.

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