Last Updated: October 1, 2025

YakOffer.com (the "Site") is an Internet property of Candid Maven Inc. ("Company," "we," "our" or "us"). This Privacy Policy ("Privacy Policy") covers our treatment of personal information and other information that we collect when an end‑user visitor to the Site ("User," "you" or "your"): (a) accesses or uses the Site; (b) accesses and/or views any of the: (i) links to third‑party offers, products, services, and resources across finance, insurance, solar, education, jobs and other consumer services ("Third‑Party Links"); and/or (ii) blog posts, text, video and/or other information we make available (the "Informational Content," and together with the Third‑Party Links, the "Content"); (c) accesses comments sections and/or other interactive features made available on the Site ("Interactive Services"); and/or (d) utilizes the various contact forms and/or contact information on the Site as a means to contact us directly, or request to be contacted by, Company and/or Company's third‑party product and/or service providers and online aggregators ("Third‑Party Service Providers") (collectively, the "Contact Services," and together with the Site, Content and Interactive Services, the "Site Offerings").

U.S. Audience Only. The Site is intended for use by individuals located in the United States. If you are a resident of, or physically located in, a country other than the United States, you are not permitted to use the Site and/or any Site Offerings.

IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY POLICY IN THEIR ENTIRETY, YOU MAY NOT ACCESS OR OTHERWISE USE THE SITE OFFERINGS.

State‑Specific Privacy Rights

Residents of California, Colorado, Connecticut, Virginia and Utah, as well as businesses organized under the laws of the State of California (collectively, “Covered Users”), are afforded additional rights pursuant to applicable state law. Please see our Privacy Provisions for Covered Users below for a more complete description of your rights as a Covered User.

1. Your California Privacy Rights

Shine the Light. If you are a California resident and would like to learn how your “personal information” (as defined in Cal. Civ. Code § 1798.83) is shared with third parties, what categories of personal information we have shared in the preceding year, as well as the names and addresses of those third parties, please email us at: info@yakoffer.com; send mail to: 3219 E Camelback Rd Ste 221, Phoenix, AZ 85018; or call us at: 877‑835‑5785.

If you are a California resident and would like to opt out from the disclosure of your personal information to any third party for marketing purposes, please email us at: info@yakoffer.com; send mail to: 3219 E Camelback Rd Ste 221, Phoenix, AZ 85018; or call us at: 877‑835‑5785. Please be advised that where California residents opt out of such sharing, they may still receive selected offers directly from us, in accordance with applicable law.

California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). California residents may have additional rights including the right to know, delete, correct, and opt out of the sale/share of personal information and the right to limit the use of sensitive personal information. See Privacy Provisions for Covered Users below.

Browser "Do Not Track" Signals. As required by CalOPPA, we disclose that we do not alter our practices when a browser "do‑not‑track" signal is received; however, you may have certain rights with respect to targeted advertising and profiling, as described below.

2. Your Colorado Privacy Rights

Colorado residents may have rights under the Colorado Privacy Act (CPA), including rights to opt out of sale/sharing and targeted advertising, and to access, delete, and correct personal information. See Privacy Provisions for Covered Users below.

3. Your Connecticut Privacy Rights

Connecticut residents may have rights under the Connecticut Data Privacy Act (CTDPA), including rights to opt out of sale/sharing and targeted advertising, and to access, delete, and correct personal information. See Privacy Provisions for Covered Users below.

4. Your Nevada Privacy Rights

Nevada residents may direct us not to sell certain "covered information" to data brokers. To exercise this right, email info@yakoffer.com, call 877‑835‑5785, or mail us at 3219 E Camelback Rd Ste 221, Phoenix, AZ 85018. Please specify that you are exercising your Nevada opt‑out rights and include the email address used on the Site.

5. Your Virginia Privacy Rights

Virginia residents may have rights under the Virginia Consumer Data Protection Act (VCDPA), including rights to opt out of sale/sharing and targeted advertising, and to access, delete, and correct personal information. See Privacy Provisions for Covered Users below.

6. Your Utah Privacy Rights

Utah residents may have rights under the Utah Consumer Privacy Act (UCPA), including rights to opt out of sale/sharing and targeted advertising. See Privacy Provisions for Covered Users below.

Personal Information Collected

For purposes of this Privacy Policy, "personal information" means individually identifiable information from or about an individual. We collect personal information when you access certain Site Offerings and complete forms and/or otherwise provide information to us. When you utilize the Contact Services, you may be required to submit, and we may collect, some or all of the following (collectively, “Contact Data”): (a) email address; (b) full name; (c) telephone number; (d) information about your interests and needs related to finance, insurance, solar, education, jobs and other consumer services; and (e) any other information requested via the Contact Services form.

Upon entering Contact Data and submitting on the Site: (i) we may pass your Contact Data to one or more of our marketing partners and/or affiliates (collectively, "Marketing Partners") or Third‑Party Service Providers; (ii) you may be contacted by us and/or one or more Marketing Partners or Third‑Party Service Providers regarding your request; and/or (iii) you may be contacted with third‑party offers that we believe may interest you. Where we contact you following your submission, a representative may request additional information over the telephone including: (A) date of birth; (B) mailing address; (C) details relevant to the product or service you’re seeking (e.g., insurance, finance or education details); and (D) any other information requested by the representative.

We may also obtain information, including personal information, about you from third‑party sources that track end‑user activity on third‑party websites.

Use of Personal Information

By submitting your personal information via the Site Offerings, you agree that we may share, sell, rent, lease or otherwise provide that personal information to third parties for any purpose permitted by law, including marketing. These third parties may include, without limitation: (a) providers of direct marketing services and applications (lookup and reference, data enhancement, suppression and validation); (b) internet, mobile and email marketers; (c) telemarketers (where permitted by law); and (d) direct marketers. We may also use your personal information to send you promotional messages regarding our products/services and third‑party products/services that may interest you.

With your permission, we may share your information with Third‑Party Service Providers that you request to be contacted by. Information you supply directly to a Third‑Party Service Provider is governed by that party’s privacy policy.

We may engage third‑party companies and individuals to perform certain functions on our behalf (e.g., sending mail, de‑duplicating records, analytics). Such agents may access personal information as needed to perform their functions, but may not use it for other purposes.

We also use your personal information for customer service; to respond to your inquiries; to personalize and improve the Site Offerings; for internal business purposes such as analytics and service management; and to combine with information from other sources.

Telemarketing and TCPA Consent. By submitting your personal information through the Site Offerings, you agree that such act constitutes an inquiry and/or application under the Telemarketing Sales Rule (16 CFR §310 et seq.) and applicable state do‑not‑call regulations. Where you provide "prior express consent" within the meaning of the TCPA and FCC regulations, you consent to receive calls (including prerecorded/artificial voice and SMS) via automated technology to the number(s) you provided. You are not required to provide this consent to obtain access to the Site Offerings.

Phone Number Changes. By agreeing to this Privacy Policy, you are obligated to inform us immediately if/when your telephone number changes (e.g., reassigned, no longer in use, ported). Notify us at info@yakoffer.com.

Disclosures. We may disclose personal information: (A) where we believe the Site Offerings are being used in violation of our Terms or law; (B) in response to a subpoena or legal process (where permitted, we will provide email notice and an opportunity to challenge prior to disclosure); (C) in connection with M&A transactions and related due diligence; or (D) in bankruptcy. If involved in bankruptcy or an M&A transaction, we will notify you via email and/or a prominent Site notice regarding any change in ownership or uses of your personal information, as well as choices you may have.

You consent to the disclosure of any record or communication we deem appropriate, including sharing your email address with third parties for suppression purposes under applicable law (e.g., CAN‑SPAM).

Non‑Personal Information Collection and Use

IP Addresses/Browser Type

We may collect certain non‑personally identifiable information about your device when you visit the Site (e.g., browser type, IP address, operating system, and ISP domain). We use this information to improve the Site Offerings and analyze usage in the aggregate.

Cookies

We use cookies, pixels, and similar technologies ("Cookies") to assign an anonymous unique identifier, store preferences, and track trends. Most browsers are set to accept Cookies, but you can adjust settings to refuse or alert you when Cookies are sent. Some Site features may not function without Cookies. We may retain Cookie data indefinitely and may transfer/sell aggregate, hashed, and/or group data about Users for lawful purposes.

Behavioral Tracking/Advertising

We, and third parties such as Google® and Microsoft Clarity®, use tracking technology to observe activities after you leave the Site and to target advertising. We may also use services such as Jornaya® and ActiveProspect, Inc. (TrustedForm) to record visits, track activity, and confirm TCPA consent. You can manage certain Google‑related tracking via Google Ads Settings and the Google Analytics Opt‑out Browser Add‑on. To the extent permissible by law, we are not responsible for third‑party tracking practices.

Google® and Microsoft® are registered trademarks of their respective owners. Company is not affiliated with or endorsed by them.

Interactive Services

If you engage in interactions via the Interactive Services, be aware that personal information you submit can be read, collected, and used by other users and may result in unsolicited messages. We are not responsible for the personal information you choose to submit via the Interactive Services.

Third‑Party Websites

The Site may contain links to third‑party websites (including those of our Third‑Party Service Providers and/or Marketing Partners). We are not responsible for their privacy practices or content. If you make a purchase or submit information on a third‑party site, your information will be governed by that site’s policies.

Security

We endeavor to safeguard Users' personal information. Where we collect, store, or transmit sensitive information (e.g., financial information, driver’s license/ID number, health insurance information or Social Security Number), we use encryption with advanced Transport Layer Security (TLS). Access to personal information is limited to personnel and agents who need it to perform job functions. Servers are maintained in secure environments. However, no method of transmission or storage is 100% secure. Any transmission of data via the Internet or wireless networks is at your own risk. We will notify you (and, where applicable, regulators) in the event of a data breach in accordance with law, subject to law‑enforcement and remediation needs.

Minors

The Site is not intended for individuals under eighteen (18) years of age, and we do not knowingly solicit or collect information from such individuals. Parents/guardians should monitor their children’s online activities.

Opt‑Out/Unsubscribe

To opt out of receiving email or other marketing communications from us, follow the instructions in those communications or email info@yakoffer.com.

We may still contact you regarding the Site Offerings you requested or to respond to your inquiries. To stop receiving operational communications, you must cease using the Site Offerings and/or cease submitting inquiries.

Deleting, Modifying, and Updating Your Information

At your request, we will: (a) inform you of what personal information we have on file; (b) amend personal information; and/or (c) remove personal information that you have provided or that we have collected. Email info@yakoffer.com and identify yourself and the information to access/correct/remove. We may decline requests that are repetitive, disproportionate, jeopardize others’ privacy, or are impractical. Deleting your personal information may limit your access to certain Site Offerings. Residual copies may persist in backups for a period of time.

International Transfers

If you visit the Site from outside the U.S., your communications may be transferred across international boundaries. By using the Site, you consent to such transfers. We will treat your information per this Privacy Policy regardless of your jurisdiction’s laws.

Changes to This Privacy Policy

We may change or update this Privacy Policy by posting a notice on the Site. If the manner in which we use personal information changes, we will notify Users by email and/or other reasonable means. We will only use your information in a materially different manner where you opt in to such use, where required by applicable law.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, email info@yakoffer.com; call 877‑835‑5785; or mail 3219 E Camelback Rd. Ste 221, Phoenix, AZ 85018.

Privacy Provisions for Covered Users

These Privacy Provisions for Covered Users ("Provisions") supplement, and do not limit, the Privacy Policy above. They apply solely to Covered Users (residents of California, Colorado, Connecticut, Virginia and Utah, and businesses organized under California law). We adopt these Provisions to comply with the CCPA, CPRA, CPA, CTDPA, VCDPA and UCPA (collectively, “Applicable State Laws”). Any terms defined in Applicable State Laws have the same meaning here. Users with disabilities who wish to access these Provisions in an alternative format can contact us at 877‑835‑5785, info@yakoffer.com, or by mail at 3219 E Camelback Rd. Ste 221, Phoenix, AZ 85018.

Categories of 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 User or device ("personal information"). In particular, within the last twelve (12) months we have collected the following categories from Covered Users:

A. Identifiers. Real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, telephone number, or other similar identifiers. (YES)

B. Customer Records (Cal. Civ. Code § 1798.80(e)). Name, signature, Social Security number, physical characteristics or description, postal address, telephone number, passport number, driver’s license/state ID number, insurance policy number, education, employment, employment history, bank account number, credit/debit card number or other financial information, medical information or health insurance information. Some of this information may overlap with other categories. (YES)

C. Protected classifications. Age (40+), race, color, ancestry, national origin, citizenship, religion/creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity/expression, pregnancy/childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information. (YES)

F. Internet or similar network activity. Browsing history, search history, information on your interaction with a website, application or advertisement. (YES)

I. Professional or employment‑related information. Current or past job history or performance evaluations. (NO)

J. Sensitive Personal Information. As defined in Cal. Civ. Code §1798.140(ae) (e.g., SSN; driver’s license; financial account + access credentials; precise geolocation; racial/ethnic origin; religious beliefs; union membership; contents of mail/email/texts; genetic data). (NO)

Personal information does not include: public information from government records; information made public by the consumer or widely distributed media; de‑identified or aggregated information; or information excluded from Applicable State Laws (e.g., HIPAA/CMIA, FCRA, GLBA/FIPA, DPPA).

Sources of Personal Information

• Directly from Covered Users (Categories A, B, C)
• Indirectly from Covered Users during provision of services (A, B, C, F)
• Directly and indirectly from Site activity/analytics, including Google®, Hotjar®, Jornaya®, and ActiveProspect, Inc. (TrustedForm) (F)
• Social media interactions (F)
• Service providers assisting with marketing/operations (A, B, C)
• Third‑party data brokers/aggregators (A, B, C)
• Third‑party websites that employ tracking technology (A, B, C)
• Publicly available sources (A, B, C)

Use of Personal Information

We may use/disclose personal information (including specific items such as: (a) email address; (b) full name; (c) telephone number; and (d) information about your product/service needs) for the following purposes:

• To provide requested information, products, or services (A, B, C, F)
• To create/maintain/secure your account (A, B, C)
• To provide email, direct mail, and telemarketing messages about Company and third‑party products/services (A, B, C, F)
• To deliver relevant content/ads and measure effectiveness (A, B, C, F)
• To enforce our Terms and perform our contracts (A, B, C, F)
• To improve the Site (A, B, C, F)
• For customer service and responses (A, B, C)
• For testing, research, analysis, and development (A, B, C, F)
• To protect rights, property, and safety (A, B, C, F)
• To respond to law enforcement and comply with law (A, B, C, F)
• As described at collection or otherwise permitted by law (A, B, C, F)
• For M&A or similar transactions (A, B, C, F)

We will not use additional categories or use collected information for materially different, unrelated, or incompatible purposes without notice.

Retention of Personal Information

We retain all categories of personal and sensitive personal information for ten (10) years, or as otherwise required by law or contract. Criteria used to determine deletion include: date of collection; frequency and last interaction; whether the purpose of collection has been fulfilled; and legal/compliance requirements.

Sharing/Sale of Personal Information

Subject to your right to opt out, we may share, rent, and/or sell your personal information with/to third parties for marketing and other business purposes. We contractually require service providers not to use personal information for purposes beyond the contracted services. We do not knowingly collect, share, or sell personal information of individuals under 18. In the preceding twelve (12) months, we have disclosed for a business purpose Categories A, B, C, F and have sold Categories A, B, C, F.

Categories of recipients include: affiliates; service providers; third parties who provide the products/services featured on the Site; (only where you expressly opt in) third parties who purchase/license personal information for marketing (e.g., direct marketers, telemarketers where permitted); and other third parties you authorize.

Metrics (preceding 12 months)

• Requests to access/port: 595 (complied: 12; denied: 557; median response: N/A)
• Requests to correct: 392 (complied: 11; denied: 369; median response: N/A)
• Requests to limit SPI: 0 (complied: 0; denied: 0; median response: 0)
• Requests to delete: 20,613 (complied: 0; denied: 0; median response: N/A)
• Requests to opt out of sale/share: 22,276 (complied: 22,276; denied: 0; median response: ~31 days)

These historical metrics are carried over from prior operations and are presented here for continuity. We will update metrics periodically as required by law.

Your Rights and Choices

Opt‑Out from Sale/Sharing of Personal Information

You may opt out of our sale/sharing of your personal information by any of the following:

• Do Not Sell or Share My Personal Information link on the Site (Clicking here)
• Call 877‑835‑5785
• Email info@yakoffer.com
• Mail Yak Offers, 3219 E Camelback Rd. Ste 221 Phoenix, AZ 85018 We act on opt‑out requests as soon as practicable, and in all cases within the applicable statutory period.

Limit Use/Disclosure of Sensitive Personal Information

You may direct us to limit use/disclosure of sensitive personal information to permitted purposes and opt out of sharing SPI with third parties by using the methods above. We act on such requests within the applicable statutory period.

Access, Data Portability, Deletion, and Correction

You may request: (i) access to the categories and specific pieces of personal information collected; (ii) data portability; (iii) deletion (subject to exceptions); and (iv) correction of inaccurate personal information. Submit a verifiable request via:

• Privacy Request link on the Site (Clicking here)
• Call 877‑835‑5785
• Email info@yakoffer.com
• Mail Yak Offers, 3219 E Camelback Rd. Ste 221 Phoenix, AZ 85018

Verification. Provide sufficient information for us to reasonably verify your identity or authority. We will only use request information to verify and process your request. You may make access/portability requests twice within a 12‑month period.

Response Timing and Format. We endeavor to respond within forty‑five (45) days; if more time is needed (up to ninety (90) days), we will notify you. Disclosures cover the preceding twelve (12) months, unless otherwise required or permitted. We do not charge a fee unless a request is excessive, repetitive, or manifestly unfounded.

Right to Opt Out of Targeted Advertising

You may opt out of Targeted Advertising by using the methods above. We act on such requests within the applicable statutory period.

Authorized Agents

You may authorize an agent to submit requests on your behalf by providing signed written permission. We may require identity verification from you and proof of authorization from the agent. California residents may use agents registered with the California Secretary of State.

Non‑Discrimination

We will not discriminate against you for exercising rights under Applicable State Laws.

This Privacy Policy is provided for general informational purposes and does not constitute legal advice. Laws change and may apply differently to your circumstances. Consider consulting counsel to ensure your policies and practices remain compliant.

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