California Privacy Notice and “Do Not Sell or Share My Personal Information” Rights

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Introduction and Scope

Kbils.com is committed to protecting the privacy rights of users who visit or interact with our website. This notice explains our responsibilities under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). It also explains the rights available to California residents and how those rights may be exercised.

This policy applies to all California residents who access Kbils.com for information, research, or general guidance. When users visit our website, view articles, click links, or engage with our services, certain information may be collected to support website functionality, improve performance, and enhance the user experience. We understand that personal and financial topics are sensitive, and users expect a responsible and secure environment while exploring content on Kbils.com.

Kbils.com follows privacy standards that reflect professional publishing practices in the United States. This policy does not alter any rights guaranteed under California law, nor does it limit any additional protection provided by our broader privacy practices. Users may contact us for clarification regarding their data rights through the contact channels provided in this notice.

Categories of Personal Information Collected

At Kbils.com, we collect personal information to provide services, enhance user experience, and comply with applicable legal requirements. Information may be collected directly from users, through website interactions, or from trusted third-party sources. The types of information we collect include:

  • Identification Information: This may include your name, email address, phone number, and other similar contact details used to communicate with you or verify your identity.
  • Device and Technical Information: We collect data such as IP address, browser type, device type, operating system, and pages visited to optimize website performance, enhance security, and prevent unauthorized access.
  • Usage Data: We track browsing activity, time spent on pages, clicked links, and interactions with content to understand user behavior and improve the quality and relevance of our services.
  • Cookies and Tracking Data: We use cookies and similar technologies to remember user preferences, personalize the browsing experience, and support analytics and performance tracking. Users can manage cookie preferences through their browser settings.
  • Financial and Transactional Information: For services requiring payment or financial engagement, we may collect account details or transaction history. Please note that payment card data is not stored on our servers.
  • Other Information: This includes any feedback, support requests, comments, or other communications submitted through forms or other interactions on our website.

We collect only the information necessary to serve our users securely and effectively. All data is handled in accordance with applicable laws, industry best practices, and our commitment to privacy and security.

Purpose of Collecting Personal Information

Kbils.com collects personal information to support the delivery, enhancement, and protection of our services. Each category of information we collect serves a specific purpose, aligned with legal obligations and user experience objectives.

  • Service Delivery and User Communication: Personal information allows us to respond to inquiries, provide requested services, maintain user accounts, and ensure smooth interaction with our platform.
  • Website Performance and Security: We use technical and usage data to monitor website stability, detect errors, prevent fraud, and maintain the integrity and security of our systems.
  • Personalization and User Preferences: Collected data helps us tailor content, settings, and recommendations to match individual user interests, improving relevance and overall experience.
  • Marketing and Service Improvement: User activity may be analysed to refine content, enhance services, and deliver marketing communications where permitted. Users always have the option to opt out of marketing communications.
  • Compliance with Legal Obligations: Personal information is processed to meet regulatory requirements, respond to lawful requests, support investigations, and enforce our policies when necessary.

Kbils.com does not use personal information for purposes incompatible with the original reason it was collected. All information is managed responsibly, with transparency and in compliance with applicable laws and industry best practices.

How Personal Information Is Used and Shared

Kbils.com uses personal information to operate, maintain, and enhance the website and services. Key uses include:

  • Providing Access to Website Features: Enabling users to interact with our content, tools, and resources seamlessly.
  • Enhancing Content Quality: Improving the relevance, accuracy, and usefulness of the information we provide.
  • Delivering Personalized Experiences: Customizing content, settings, and recommendations to align with user preferences and interests.
  • Communicating with Users: Responding to inquiries, providing support, and maintaining effective communication channels.

Sharing Information with Service Providers

We may share personal information with trusted third-party service providers, including hosting partners, analytics platforms, security services, and communication tools. These providers receive only the information necessary to perform their designated functions and are required to maintain strict confidentiality and data protection standards.

Legal and Regulatory Sharing

Personal information may also be shared when required by law, government requests, or legal processes. This includes situations involving fraud prevention, security investigations, or enforcement of our policies and terms of use.

No Sale of Personal Information

Kbils.com does not sell personal information. We also do not share information for cross-context behavioural advertising without explicit user consent.

All data handling practices are guided by transparency, security, and compliance with applicable laws, ensuring users' privacy and trust are maintained.

Your CCPA Privacy Rights and Choices

California residents have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). Kbils.com is committed to honoring these rights and providing clear processes for exercising them.

  • Right to Know: You may request information about the categories of personal information we collect, the sources from which it is collected, the purposes for collection, and any third parties with whom it is shared. You can also request access to the specific personal data we maintain about you.
  • Right to Request Deletion: You have the right to request that Kbils.com delete personal information we have collected, subject to certain legal exceptions, such as compliance with regulatory obligations or fraud prevention requirements.
  • Right to Correct Information: If you believe that your personal information is inaccurate or incomplete, you may request that we correct or update it. We will review such requests and make updates when appropriate and legally permitted.
  • Right to Opt-Out of Sale or Sharing: Kbils.com does not sell personal information. Should our practices change in the future; users will be provided with a clear and accessible method to opt out of the sale or sharing of their personal information.
  • Right to Non-Discrimination: Exercising your privacy rights will not result in denial of services, altered pricing, or lower quality of service. Your decision to exercise these rights does not affect your ability to use Kbils.com.

How to Submit a Request

Requests to exercise CCPA rights can be submitted via:

To protect your privacy and ensure security, verification of identity may be required before processing your request. All verified requests will be responded to within the time period mandated by applicable law.

Methods for Submitting Privacy Requests

Kbils.com provides multiple convenient and secure methods for California residents to submit privacy requests under the CCPA and CPRA. Our goal is to make it easy for users to exercise their rights while ensuring the protection of personal information.

Online Contact Form

Users may submit privacy requests using the designated online contact form available on our website. The form allows you to specify the type of request, such as access, deletion, or correction of personal information.

Email Submission

Requests can also be submitted via email to:

When submitting a request, please include sufficient details to allow us to identify you and understand the nature of your request.

Authorized Agents

Authorized agents may submit requests on behalf of users where permitted by law. In such cases, we may require written documentation demonstrating the agent's authority to act on your behalf.

Verification of Identity

To ensure the security and privacy of personal information, Kbils.com may require verification of identity before fulfilling privacy requests. Verification steps may include confirming account details, prior interactions, or providing supporting documentation. Requests that cannot be verified may be denied to prevent unauthorized access or misuse of personal data.

Response Timeline

Once a privacy request is received and verified, Kbils.com will respond within the timeframes required by applicable law. If additional time is needed to process a request, we will notify the user and provide an explanation for the delay.

Kbils.com is committed to handling all privacy requests efficiently, securely, and in full compliance with CCPA/CPRA requirements, ensuring that users' rights are respected at every stage.

Verification Process for Privacy Requests

To protect the privacy and security of user information, Kbils.com follows a formal verification process for all CCPA/CPRA privacy requests. This process ensures that personal information is only accessed, modified, or deleted by the individual to whom it belongs or by an authorized representative.

Identity Verification

When a request is submitted, we may ask for identifying details such as:

  • Name and email address
  • Account information or interaction history with our website
  • Any additional information necessary to confirm identity

This information is used solely for verification purposes and is not stored or used for any other reason. If the details provided do not match our records, we may request additional information to confirm your identity.

Verification for Authorized Agents

If a privacy request is submitted by an authorized agent on behalf of a user, we may require proof of authorization. Acceptable documentation may include:

  • Written permission or power of attorney
  • Legal documentation confirming the agent's authority to act

This ensures that privacy rights are exercised responsibly and protects against unauthorized access to personal information.

Denial of Requests

Kbils.com reserves the right to deny requests that:

  • Cannot be verified
  • Appear fraudulent or abusive
  • Conflict with regulatory or legal obligations

If a request is denied due to failed verification, we will notify the requester and provide guidance on how to submit a valid request.

Our verification procedures are designed to balance security with accessibility, ensuring that California residents can exercise their privacy rights safely and effectively, in full compliance with CCPA and CPRA requirements.

Data Retention and Storage Practices

Kbils.com retains personal information only for as long as necessary to fulfil the purposes for which it was collected, unless a longer retention period is required or permitted by law. This includes maintaining data to operate our services, comply with regulatory obligations, resolve disputes, enforce contracts, and preserve business records. Retention periods may vary depending on the type of information and its intended use.

Secure Data Deletion

Once personal information is no longer required for business or legal purposes, we take steps to securely delete, anonymize, or dispose of it in a manner designed to prevent unauthorized access, disclosure, or misuse.

Storage and Security Measures

Personal information is stored using secure systems and trusted service providers that implement technical, administrative, and physical safeguards to protect data from loss, misuse, or unauthorized access. Storage systems may be located within the United States or in other jurisdictions, and we ensure that protection measures remain consistent with applicable privacy regulations.

Exceptions to Deletion

In certain circumstances, personal information may be retained even after a deletion request, including when necessary to:

  • Comply with legal obligations or regulatory requirements
  • Support fraud prevention or security measures
  • Maintain operational business records or enforce contractual rights

Commitment to Compliance

All retention and storage practices are guided by industry best practices, privacy laws, and regulatory requirements. Users may request access to or deletion of their personal information at any time, subject to the limitations described above.

Kbils.com is committed to handling personal information responsibly throughout its lifecycle, ensuring transparency, security, and compliance with CCPA, CPRA, and other applicable privacy regulations.

California "Do Not Sell or Share My Personal Information" Rights

California residents have the right to request that their personal information not be sold or shared under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). At Kbils.com, we respect and support this right.

No Sale of Personal Information

Kbils.com does not sell personal information. We also do not share personal information for cross-context behavioral advertising without explicit user consent.

Future Opt-Out Rights

If our practices change in the future and we engage in activities considered a sale or sharing of personal information under California law, residents will be provided with a clear and accessible method to opt out. Users will be able to submit their opt-out request through:

  • A dedicated "Do Not Sell or Share My Personal Information" link on our website
  • Direct contact via email at privacy@kbils.com

Non-Discrimination

Exercising this right will not result in any discrimination. Users who opt out will not face denial of services, changes in pricing, or reduction in service quality.

Cookies and Tracking Technologies

If Kbils.com uses cookies or third-party tracking technologies that may qualify as data sharing under CPRA guidelines, users will have the ability to manage cookie preferences via a consent tool or through browser-based settings.

Kbils.com remains committed to transparency, user control, and compliance with California privacy laws, ensuring residents can exercise their rights without compromising access or functionality.

Children's Data and Minor Consent Requirements

Kbils.com is not directed to children under 13 years of age, and we do not knowingly collect, store, or use personal information from children in this age group. We are committed to complying with the Children's Online Privacy Protection Act (COPPA) and applicable state privacy laws, including the CCPA and CPRA.

Protection of Children Under 13

If we become aware that personal information has been collected from a child under 13 without verifiable parental consent, we will promptly:

  • Delete the information from our systems
  • Take reasonable steps to prevent further collection

Parents or guardians who believe their child may have submitted personal information to Kbils.com may contact us using the information provided in this policy. We will assist in reviewing and removing such data where appropriate.

Users Aged 13 to 16

For California residents between the ages of 13 and 16, the CCPA and CPRA require affirmative consent before the sale or sharing of personal information. While Kbils.com does not sell or share personal information, if such practices change in the future, we will:

  • Implement a compliant opt-in consent process for minors
  • Provide a method to withdraw consent at any time

Encouraging Safe Online Practices

We encourage parents and guardians to:

  • Monitor their children's online activities
  • Educate children about safe and responsible internet use

Protecting the privacy and safety of minors is a top priority, and we maintain policies and procedures to ensure compliance with all applicable child data protection regulations.

Security Measures and Data Protection Standards

Kbils.com takes data security seriously and implements reasonable and appropriate safeguards to protect personal information from unauthorized access, disclosure, alteration, and destruction. Our security practices follow industry-recognized standards and combine administrative, technical, and physical measures to ensure confidentiality, integrity, and availability of user data.

Technical Safeguards

Technical measures may include:

  • Data Encryption: Protecting information during transmission and storage
  • Secure Server Infrastructure: Utilizing secure hosting environments
  • Network Firewalls: Preventing unauthorized access to systems
  • Transport Layer Security (TLS): Ensuring secure communication channels
  • Access Control Mechanisms: Limiting access based on role and necessity
  • Routine Monitoring: Identifying vulnerabilities and detecting suspicious activity

Administrative Safeguards

Administrative measures include:

  • Personnel Training: Ensuring staff are aware of data protection policies and procedures
  • Role-Based Access: Restricting access to personal information based on business need
  • Confidentiality Agreements: Requiring employees and authorized service providers to protect user data
  • Policy Enforcement: Regular review and updating of internal security practices

Physical Safeguards

Physical security measures include controlled access to facilities and data storage areas to prevent unauthorized physical access to servers and devices.

Limitations and User Responsibility

While Kbils.com implements robust security measures, no system is completely immune to risks. Users are encouraged to take their own steps to protect personal information, such as safeguarding login credentials and practicing safe online behaviour.

Breach Notification

In the event of a data breach affecting personal information, Kbils.com will promptly investigate and, when required by law, notify affected individuals and relevant authorities in a timely manner.

Our security standards are designed to maintain trust, transparency, and compliance with applicable privacy laws, including CCPA and CPRA, while protecting our users' sensitive information.

Third-Party Service Providers and Data Processing

Kbils.com may engage trusted third-party service providers to support the operation of our website and delivery of our services. These partners assist with functions such as:

  • Website hosting and data storage
  • Analytics and performance monitoring
  • Security and fraud prevention
  • Communication and email tools
  • Advertising and marketing support
  • Website performance optimization

Limited Data Sharing

When personal information is shared with service providers, it is provided only to the extent necessary to perform their contracted functions. All third-party partners are required to:

  • Maintain strict confidentiality
  • Protect data from unauthorized access or misuse
  • Adhere to applicable privacy laws, including CCPA and CPRA
  • Refrain from selling or using personal information for their own purposes

Direct Collection by Third Parties

Certain third-party partners may collect data directly through technologies such as cookies, analytics scripts, or plugins. In such cases, these providers may process information according to their own privacy policies. Where required, Kbils.com provides notice and obtains user consent before enabling such technologies. Users may also manage cookie preferences and opt-out options through browser controls or our website's tools.

Legal and Regulatory Disclosures

Kbils.com may disclose information to legal, regulatory, or enforcement authorities when necessary to:

  • Comply with applicable laws
  • Respond to lawful requests
  • Protect our rights or the rights of users
  • Support investigations of fraud or security incidents

Commitment to Privacy

All third-party data processing is conducted with the aim of preserving privacy, maintaining security, and complying with California privacy laws. Users' personal information is handled responsibly throughout any interactions with service providers.

International Data Transfers

Although Kbils.com primarily operates within the United States, certain service providers or technical partners may process or store personal information in jurisdictions outside the U.S. When personal information is transferred internationally, we take steps to ensure that it remains protected in accordance with applicable privacy laws and recognized industry standards.

Scope of International Transfers

International transfers may occur when we use global technology providers for services such as:

  • Website hosting and cloud storage
  • Analytics and performance monitoring
  • Communication tools and security infrastructure

These providers may operate data canters or technical systems across multiple countries.

Safeguards for Personal Information

To protect personal information during international transfers, Kbils.com relies on:

  • Contractual Protections: Ensuring third parties comply with privacy and security obligations
  • Security Frameworks: Implementing data protection measures consistent with U.S. standards
  • Legally Recognized Mechanisms: Using mechanisms such as Standard Contractual Clauses where applicable

Differences in Privacy Laws

Users should be aware that privacy laws in other countries may differ from those in the United States. In some cases, foreign governments or regulatory authorities may have the legal right to access data stored within their jurisdiction.

Commitment to Compliance

Kbils.com carefully selects international partners and ensures that strong data protection controls are maintained, regardless of location. We continuously monitor regulations and update safeguards as necessary to maintain compliance with applicable privacy laws and industry best practices.

Users may contact us if they have questions regarding international data handling or transfer practices.

Sensitive Personal Information Handling

Kbils.com does not intentionally collect or process sensitive personal information unless it is voluntarily provided by the user and required for a specific, lawful purpose. Sensitive personal information may include:

  • Government identification numbers
  • Financial account details
  • Precise geo-location data
  • Racial or ethnic origin
  • Health information
  • Biometric or genetic identifiers

We do not use sensitive personal information to infer characteristics about users, and we do not sell or share such information for marketing or advertising purposes.

Enhanced Safeguards

In limited circumstances where sensitive personal information may be processed, we apply enhanced security measures, including:

  • Restricted access to authorized personnel only
  • Encrypted transmission of sensitive data where appropriate
  • Stringent internal controls and monitoring
  • Confidentiality obligations for any third-party service provider processing sensitive information on our behalf

Rights Under CPRA

Under the California Privacy Rights Act (CPRA), users have the right to request limitations on the use and disclosure of sensitive personal information. Kbils.com will honor such requests in compliance with applicable laws and operational feasibility.

User Guidance

If a user believes they have disclosed sensitive personal information unintentionally or wishes to exercise their rights regarding sensitive data, they may contact us through the methods provided in this policy. All requests will be reviewed and handled in accordance with applicable laws and Kbils.com's internal policies.

Automated Decision-Making and Profiling

Kbils.com may use automated systems and limited profiling techniques to support business operations, enhance user experience, and improve service delivery. These systems help analyze data patterns, detect fraud, personalize content, and optimize platform performance.

Principles of Automated Processing

  • Transparency: Users are informed about automated processes affecting their data.
  • Fairness: Automated tools are monitored to prevent bias or unfair treatment.
  • Human Oversight: No automated decision results in legal or similarly significant effects without meaningful human involvement.

Examples of Automated Activities

  • Fraud detection and prevention checks
  • Audience segmentation for personalized content
  • Anonymized analytics and performance optimization
  • Security and compliance monitoring

User Rights

Where applicable, users may have the right to:

  • Request information about automated decision-making systems
  • Ask for human review of automated decisions
  • Object to decisions based solely on automation

Kbils.com ensures that automated processing complies with CCPA/CPRA requirements, protects user rights, and maintains transparency and accountability.

Contact Information for Privacy Requests

If you have questions regarding this Privacy Policy or wish to exercise your rights under applicable U.S. privacy laws, including the California Consumer Privacy Act (CCPA/CPRA), you may contact Kbils.com through the following methods:

  • Email: privacy@kbils.com
  • Online Request Form: Accessible via the Privacy Center section of our website

Guidelines for Submitting Requests

To help us process your request efficiently, please provide:

  • Your full name
  • Contact information (email address or phone number)
  • A clear description of your privacy request (e.g., access, deletion, correction)

Identity Verification

To protect personal data, Kbils.com may request additional information to verify your identity before fulfilling your request. Verification may include confirming account details or other supporting information.

Authorized Agents

Authorized agents may submit privacy requests on behalf of users when permitted by law. Documentation demonstrating the agent's authority will be required. Kbils.com reserves the right to deny requests that cannot be verified or conflict with regulatory requirements.

We are committed to responding to all valid and verified requests in a timely and compliant manner, within the timeframes mandated by applicable law.

California Shine-the-Light Disclosure

Under California Civil Code Section 1798.83, also known as the "Shine-the-Light" law, California residents have the right to request information regarding the disclosure of their personal information to third parties for direct marketing purposes. This right applies to personal information collected by businesses with whom consumers have an established business relationship.

Kbils.com Practices

Kbils.com does not share personal information with third parties for direct marketing purposes without user consent. We prioritize transparency and ensure that any disclosures comply with California privacy regulations.

Requesting Information

California residents may submit a request to learn whether their personal information was disclosed for marketing purposes in the previous calendar year. Requests must include:

  • "California Shine-the-Light Request" in the subject line
  • Full name and a valid California address
  • Sufficient information to verify your identity

Contact Methods

Kbils.com will respond to valid requests within the timeframe required by California law, providing information about any disclosures made for direct marketing purposes.

Financial Content Compliance and Editorial Integrity

Kbils.com is committed to providing accurate, transparent, and reliable financial information to help readers make well-informed decisions. All content is created with professional care and adheres to established best-practice standards used in the U.S. financial publishing industry.

Editorial Independence

  • Our content is research-driven, neutral, and unbiased.
  • Advertisers, sponsors, or affiliate partners do not influence editorial decisions.
  • Sponsored content and affiliate partnerships are clearly disclosed to maintain transparency.

Content Purpose

  • Articles, guides, reviews, and analyses are intended for general informational purposes only.
  • Content should not be interpreted as personalized financial, legal, investment, or tax advice.
  • Readers are encouraged to consult qualified financial professionals before making decisions.

Research and Accuracy

  • Our editorial team evaluates information from reputable financial institutions, government agencies, and trusted data sources.
  • We aim to provide timely and useful insights, updating content regularly to reflect changing regulations, trends, and industry standards.

Commitment to Trust

  • Kbils.com prioritizes accuracy, fairness, and value for our readers.
  • Recommendations are never based solely on compensation.

This commitment ensures that Kbils.com remains a trusted and authoritative source for financial information while complying with California privacy and consumer protection standards.

Nevada Privacy Rights Notice

Under Nevada law (NRS 603A), residents of Nevada have the right to request that a business does not sell their personal information.

Kbils.com Practices

Kbils.com does not sell personal information as defined under Nevada law. This notice is provided to ensure transparency and compliance with applicable privacy regulations.

Right to Opt-Out

Although no sales of personal information currently occur, Nevada residents may submit a verified request to opt out of any potential future data sales.

How to Submit a Request

To submit a request, please provide:

  • Full name
  • Contact email address
  • Proof of Nevada residency

Requests should be sent via:

Kbils.com will respond to verified requests within the timeframe required by Nevada law and will ensure that residents' privacy rights are respected.