This notice applies to visitors, users, and others who reside in the State of California (“consumers” or “you”). Green, LLC (“MoneyBuddha,” “we,” “us,” or “our”) has adopted it to comply with the California Consumer Privacy Act of 2018 (CCPA), as amended. Any terms defined in the CCPA have the same meaning when used here.

This notice supplements our general Privacy Policy. If anything in this notice conflicts with the Privacy Policy for California residents, this notice controls.

1. Information we collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked — directly or indirectly — with a particular consumer or device (“personal information”). Over the last twelve (12) months, moneybuddha.com has collected the following categories of personal information from its consumers:

Category	Examples	Collected
A. Identifiers	A real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, Social Security number, driver’s license number, passport number, or similar identifiers.	Yes
B. California Customer Records categories (Cal. Civ. Code § 1798.80(e))	A signature, Social Security number, physical description, address, telephone number, passport number, driver’s license or state ID number, insurance policy number, education, employment history, bank account number, credit card number, other financial information, medical information, or health insurance information. Some items here may overlap with other categories.	Yes
C. Protected classification characteristics under California or federal law	Age (40 or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy, and related medical conditions), sexual orientation, veteran or military status, and genetic information (including familial genetic information).	Yes
D. Commercial information	Records of personal property; products or services purchased, obtained, or considered; and other purchasing or consuming histories or tendencies.	Yes
E. Biometric information	Genetic, physiological, behavioral, and biological characteristics — such as fingerprints, faceprints, voiceprints, iris or retina scans, keystroke or gait patterns — used to extract a template or identifier.	No
F. Internet or other similar network activity	Browsing history, search history, and information on a consumer’s interaction with a website, application, or advertisement.	Yes
G. Geolocation data	Physical location or movements.	Yes
H. Sensory data	Audio, electronic, visual, thermal, olfactory, or similar information.	No
I. Professional or employment-related information	Current or past job history or performance evaluations.	No
J. Non-public education information (FERPA, 20 U.S.C. § 1232g; 34 C.F.R. Part 99)	Education records directly related to a student maintained by an educational institution or party acting on its behalf — such as grades, transcripts, class lists, schedules, student identification codes, financial information, or disciplinary records.	No
K. Inferences drawn from other personal information	A profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	Yes

Personal information does not include:

• Publicly available information from government records;
• De-identified or aggregated consumer information; and
• Information excluded from the scope of the CCPA, such as:
  • Health or medical information covered by HIPAA and the California Confidentiality of Medical Information Act (CMIA), or clinical-trial data; and
  • Personal information covered by other sector-specific laws — including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

We obtain the categories of personal information above from the following categories of sources:

• Directly from you, when you provide it to us;
• Automatically, as you use the Services — including usage details, IP addresses, and information collected through cookies, web beacons, and similar technologies; and
• From third parties, such as our business partners.

2. How we use personal information

We may use, sell, or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason the information was provided — for example, if you share your contact information to request a quote from one of our partners, we provide that partner with the information needed to respond;
• To provide, support, personalize, and develop the Site, our products, and our services;
• To create, maintain, customize, and secure your account with us;
• To process your requests;
• To respond to your inquiries and provide support;
• To personalize your experience and deliver content and offers relevant to your interests — including targeted advertising on our Site, on third-party sites, and through email or text message (with your consent where required by law);
• To help maintain the safety, security, and integrity of our Site, products, services, databases, and business;
• For testing, research, analysis, and product development;
• To respond to law-enforcement requests and comply with applicable law, court orders, and regulations;
• As described to you at the time we collect the information, or as otherwise permitted by the CCPA; and
• To evaluate or carry out a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets.

We will not collect additional categories of personal information, or use the personal information we have collected, for materially different, unrelated, or incompatible purposes without first giving you notice.

3. Sharing of personal information

We may disclose your personal information to third parties for a business purpose, or sell your personal information — subject to your right to opt out of those sales. When we disclose personal information for a business purpose, we enter into a contract that describes the purpose and requires the recipient to keep the information confidential and not use it for any other purpose. The CCPA prohibits third parties who purchase personal information from reselling it unless you have been given notice and an opportunity to opt out.

We share personal information with the following categories of third parties:

• Service providers;
• Data aggregators; and
• Third parties to whom you have given consent.

4. Disclosures of personal information for a business purpose

In the preceding twelve (12) months, Green, LLC has disclosed the following categories of personal information for a business purpose:

• Category A: Identifiers;
• Category B: California Customer Records personal information categories;
• Category C: Protected classification characteristics;
• Category D: Commercial information;
• Category F: Internet or other similar network activity;
• Category G: Geolocation data; and
• Category K: Inferences drawn from other personal information.

We disclose this information to the following categories of third parties:

• Service providers; and
• Data aggregators.

5. Sales of personal information

In the preceding twelve (12) months, Green, LLC has sold the following categories of personal information:

• Category A: Identifiers;
• Category B: California Customer Records personal information categories;
• Category C: Protected classification characteristics; and
• Category D: Commercial information.

We sell this information to our business partners, consistent with our Privacy Policy.

6. Your rights and choices

The CCPA provides California residents with specific rights regarding their personal information. This section describes those rights and how to exercise them.

Right to access specific information and data portability

Once we receive and confirm a verifiable consumer request from you, we will disclose:

• The categories of personal information we collected about you;
• The categories of sources for that information;
• Our business or commercial purpose for collecting or selling it;
• The categories of third parties with whom we share it;
• The specific pieces of personal information we collected about you; and
• If we sold or disclosed your personal information for a business purpose, the categories of personal information each category of recipient purchased or obtained.

Right to request deletion

You have the right to ask us to delete the personal information we have collected and retained, subject to certain exceptions. Once we receive and confirm a verifiable consumer request, we will delete your personal information from our records unless an exception applies.

When we may deny a deletion request

We may deny your request if keeping the information is necessary for us or our service providers to:

• Complete the transaction for which the information was collected;
• Provide you with notices about your account — such as expiration or renewal notices;
• Carry out our obligations and enforce our rights under agreements with you;
• Fulfill any other purpose for which you provided the information;
• Detect security incidents and protect against malicious, deceptive, fraudulent, or illegal activity;
• Debug products to identify and repair errors;
• Exercise free-speech rights or ensure another consumer’s ability to do so, or exercise another right provided by law;
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et seq.);
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest when deletion would seriously impair the research and you previously provided informed consent;
• Support internal uses that are reasonably aligned with consumer expectations based on your relationship with us;
• Comply with a legal obligation; or
• Make other internal and lawful uses of the information that are compatible with the context in which it was provided.

How to exercise access, data portability, and deletion rights

To exercise these rights, please send a verifiable consumer request by email to info@greenllc.net. You can also use our Do Not Sell My Information form on the homepage to submit a request.

What we may need from you

To respond, we may need to confirm your identity and ensure that the person making the request is actually the consumer about whom we collected personal information, or an authorized representative. This is a security step to prevent disclosure to someone with no right to receive it.

Only you, or a person registered with the California Secretary of State whom you authorize to act on your behalf, may make a verifiable consumer request about your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may make a verifiable consumer request for access or data portability no more than twice within a 12-month period. A verifiable consumer request must:

• Provide sufficient information for us to reasonably verify that you are the person about whom we collected the information, or an authorized representative; and
• Describe your request in enough detail for us to understand, evaluate, and respond to it.

We cannot respond to your request or provide personal information if we cannot verify your identity or authority and confirm that the personal information relates to you. You do not need to create an account with us to make a verifiable consumer request, and we will only use the information you provide to verify your identity or authority.

Response timing and format

We aim to respond to a verifiable consumer request within forty-five (45) days of receiving it. If we need more time (up to an additional 90 days), we will let you know in writing and explain why.

If you have an account with us, we will deliver our written response through that account. If you do not, we will respond by mail or electronically, at your option. Our disclosures will cover the 12-month period preceding the request. If we cannot comply with a request, the response will explain why. For data portability requests, we will provide your personal information in a readily usable format that allows transmission from one entity to another.

Fees

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that a fee is warranted, we will explain the reason and provide a cost estimate before completing your request.

Sales opt-out and opt-in rights

If you are 16 or older, you have the right to direct us not to sell your personal information at any time (the “right to opt out”). We do not sell the personal information of consumers we know to be under 16 unless we receive affirmative authorization — from the consumer (for those between 13 and 16) or from the parent or guardian (for those under 13). Consumers who opt in may opt out of future sales at any time.

To exercise the right to opt out, you (or your authorized representative) may submit a request through our Do Not Sell My Information form, or by email to info@greenllc.net.

After you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize sales. You may opt back in at any time by emailing us. You do not need to create an account to exercise your opt-out rights, and we will only use information provided in an opt-out request to process that request.

7. Non-discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services;
• Charge you — or suggest you may be charged — different prices or rates for goods or services;
• Provide a different level or quality of goods or services; or
• Suggest that you will receive a different price, rate, level, or quality of goods or services.

8. Other California privacy rights

California’s “Shine the Light” law (Civil Code § 1798.83) permits California residents who use the Site to request information about our disclosure of personal information to third parties for those third parties’ direct-marketing purposes. To make such a request, please email info@greenllc.net.

9. Contact information

If you have questions or comments about this notice, the ways in which we collect and use your information, or your rights and choices, or if you wish to exercise your rights under California law, please contact us.

Email: info@greenllc.net

Mail:
Green, LLC
Attn: Privacy Requests
59 Calle Kings Court
San Juan, PR 00911

Web: You can also submit a privacy request using our Do Not Sell My Information form on the homepage.

This notice is effective as of the date shown at the top of this page. We reserve the right to update this notice at our discretion. When we do, we will post the updated notice on this page and revise the effective date.