California Consumer Privacy Rights
California Consumer Privacy Act (CCPA) / California Privacy Rights Act (CPRA) — Last updated: April 8, 2026
Categories of Personal Information We Collect
ClaraPay collects the following categories of personal information in connection with our debt collection services:
- Identifiers (name, address, email, phone number, IP address)
- Financial information (account balance, payment history)
- Commercial information (debt account details, original creditor information)
- Internet or network activity (pages visited, session logs)
- Communications (emails, SMS, call records related to your account)
We collect this information to administer debt accounts, process payments, comply with legal obligations, and communicate with you about your account.
We Do Not Sell Your Personal Information
ClaraPay does not sell your personal information to third parties for monetary or other valuable consideration, as defined under the CCPA/CPRA. We do not share your information for cross-context behavioral advertising.
Your Rights as a California Resident
Right to Know
You may request that we disclose the categories and specific pieces of personal information we have collected about you, the sources, our business purpose for collecting it, and any third parties we share it with.
Right to Delete
You may request that we delete personal information we have collected about you, subject to certain exceptions. We may retain information where required by law (including FDCPA record-keeping requirements), necessary to complete a transaction, or needed for other legally permitted purposes.
Right to Correct
If you believe we hold inaccurate personal information about you, you may request that we correct it. We will use commercially reasonable efforts to honor your request.
Right to Opt Out of Sale / Sharing
As noted above, we do not sell or share your personal information for advertising purposes. No opt-out is necessary.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. We will not deny you services, charge different prices, or provide a different level of service based on your exercise of these rights.
Right to Limit Use of Sensitive Personal Information
We only use sensitive personal information (such as financial data) for the purpose of providing our debt collection services. We do not use it for inferring characteristics or other secondary purposes that would require a limitation right opt-out.
How to Submit a Request
To exercise any of the rights above, submit a verifiable consumer request through our contact page. Include your full name, address, and a description of your request. We will verify your identity before processing.
We will respond to verifiable requests within 45 days. If we need more time, we will notify you within the initial 45 days and may take up to an additional 45 days.
You may designate an authorized agent to submit requests on your behalf. We may require written authorization and identity verification from both you and the agent.
Data Retention
We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including satisfying legal, accounting, and reporting requirements under the FDCPA and other applicable laws. Debt account records are typically retained for seven years from account closure.