California Privacy Rights Policy

LAST UPDATED:  December 27, 2019

This section contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to the CCPA.

Personal Information We Collect, Disclose for a Business Purpose, and Sell. We collect the categories of personal information about California consumers identified in the chart below. As further set forth in the chart below, in the past 12 months, we have disclosed and sold California consumers’ personal information to third parties for business or commercial purposes.

Categories of Sources. We collect this personal information from the following categories of sources:

• Apparel & Accessory Companies
• Automotive Companies
• Business to Business Companies
• Consumer Inquiries About Experian Products/Services
• Consumer Packaged Goods Companies
• Consumer Survey Companies
• Consumers
• Electronics Companies
• Financial Services Companies
• Food & Beverage Companies
• Gift Product Companies
• Health Product Companies
• Lifestyle & Interest Product Companies
• Not for Profit Organizations
• Online & Mobile Websites & Apps
• Other Authorized Data Compilers
• Other Product Companies Not Categorized
• Parenting Product Companies
• Public Records
• Publishing Product Companies
• Telecommunications Companies
• Travel, Leisure & Entertainment Companies; and
• Government Entities

Why We Collect, Use, and Share California Information. We use and disclose the personal information we collect for our commercial and business purposes, as further described in this Privacy Policy. These commercial and business purposes include, without limitation:

- Our commercial purposes include marketing, helping businesses find new customers, developing insights as to consumer interests and behaviors, keeping contact information up to date and relevant, enabling relevant and personalized marketing messages.

- Our business purposes as identified in the CCPA include:

• Auditing
• Internal research
• Quality control
• Improving our services
• Legal compliance

Recipients of California Personal Information. We may sell the categories of personal information designated above to the categories of third parties listed below:

• Automotive Companies
• Business Services/Agency
• Consumer Services Companies
• Consumer Packaged Goods Companies
• Educational Institutions & Companies
• Energy and Utility Companies
• Financial Services Companies
• Food & Beverage Companies
• Health Product Companies
• Insurance Companies
• Manufacturing Companies
• Marketing and Research Companies
• Media and Publishing Companies
• Not for Profit Organizations
• Public Institutions
• Retail Companies
• Technology/Computer Software Companies
• Telecommunications Companies
• Travel, Leisure & Entertainment Companies
• Other Companies not Categorized.

We may disclose the categories of personal information designated above to the categories of third parties listed below for business purposes:

• Service Providers;
• Public or Government Entities;
• Advertising Networks;
• Internet Service Providers;
• Data Analytics Providers;
• Operating Systems and Platforms;
• Social Networks; and
• Consumer Data Resellers

Your Rights Regarding Personal Information. California residents have certain rights with respect to the personal information collected by businesses. If you are a California resident, you may exercise the following rights regarding your personal information, subject to certain exceptions and limitations:

• The right to know the categories and specific pieces of personal information we collect, use, disclose, and sell about you, the categories of sources from which we collected your personal information, our purposes for collecting or selling your personal information, the categories of your personal information that we have either sold or disclosed for a business purpose, and the categories of third parties with which we have shared personal information;

- The right to request that we delete the personal information we have collected from you.

• We use a two-step process for online requests to delete. You will be asked to clearly submit your request to delete and to separately confirm your choice.

• The right to opt out of our sale(s) of your personal information. Please note that if you opt out of certain types of sales, we will be unable to provide you with the services that rely on such sales.
• The right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.

To exercise any of the above rights, please contact us using the following information and submit the required verifying information, as further described below:

• Online at experian.com/ccpa
• By phone at 1-833-210-4615
• By mail at PO Box 703, Allen, TX 75013

Verification Process and Required Information. Note that we may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled. In order to exercise your rights under the CCPA, we will require you to provide, at a minimum first name, last name, social security number, and address. For requests submitted by mail, you will need to send copies of two forms of identification that include your first name, last name and current address.

Authorized Agent. You may designate an authorized agent to make a CCPA request on your behalf by mailing two forms of identification showing your first name, last name and current address and a signed authorization allowing an agent to request information on your behalf.

Minors’ Right to Opt In. We do not sell the personal information of minors under 16 years of age.

Contact for More Information. For questions or concerns about Experian’s privacy policy or practices, please contact us by mail at:

Compliance Department
Experian
475 Anton Blvd.
Costa Mesa, CA 92626