CALIFORNIA PRIVACY NOTICE (CCPA/CPRA) & COOKIE POLICY
Last Updated: June 20, 2026
California Consumer Privacy Act (CCPA/CPRA) Notice
This notice applies to California residents and supplements our Privacy Policy.
Categories of Personal Information Collected (Past 12 Months)
| Category | Examples | Sold or Shared? |
|---|---|---|
| Identifiers | Name, email, phone number, IP address, device ID | Shared (for advertising; not sold) |
| Personal Records | Income, assets, debts, financial goals | No |
| Financial Information | Bank account data (if Plaid connected), balances | No |
| Internet Activity | App usage logs, feature interactions | Shared (for advertising; not sold) |
| Inferences | Retirement readiness score, financial profile | No |
| Communications | Support inquiries | No |
Your California Rights
-
Right to Know: You may request details about the personal information we collect, use, disclose, and sell about you.
-
Right to Delete: You may request deletion of your personal information, subject to exceptions.
-
Right to Correct: You may request correction of inaccurate personal information.
-
Right to Opt-Out: We share certain identifiers for cross-context behavioral advertising with advertising and measurement partners. You can opt out via the "Your Privacy Choices" link in our site footer; we also honor Global Privacy Control (GPC) signals.
-
Right to Limit Sensitive Personal Information: We collect income, assets, and financial data categorized as sensitive. We use this only to provide the Service, not for inferring characteristics unrelated to the Service.
-
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.
How to Submit a Request
Submit requests via: privacy@myhorizonfinance.com or [IN-APP LINK]. We will verify your identity before processing requests. We will respond within 45 days (extendable by an additional 45 days with notice).
Authorized Agent
You may designate an authorized agent to submit requests on your behalf. We may require written authorization and verification of your identity.
Cookie Policy
We use cookies and similar tracking technologies to operate and improve the Service.
Types of Cookies We Use
-
Strictly Necessary Cookies: Required for the Service to function (e.g., authentication session cookies). Cannot be disabled.
-
Analytics Cookies: Help us understand how users interact with the app (e.g., which features are used, how often assumptions are reset). We use a third-party product-analytics provider.
-
Functionality Cookies: Remember your preferences and settings.
-
Marketing/Advertising Cookies: We use cookies and pixels from our advertising and measurement partners to measure conversions and improve our ads. You may opt out via "Your Privacy Choices" or your browser/device controls.
California-Specific Cookie Notice (CIPA)
Under the California Invasion of Privacy Act (CIPA) and CPRA, we disclose: our third-party product-analytics provider may receive usage data when you use the app. We have a data processing agreement with that provider limiting their use of this data. In addition, advertising and measurement partners may receive advertising and conversion-measurement data via the cookies and pixels described above. You may exercise your opt-out via "Your Privacy Choices."
Managing Cookies
You may disable non-essential cookies through your browser settings or device preferences. Disabling strictly necessary cookies may impair Service functionality.