Privacy Policy
Last Updated: February 18, 2026
CandidYak.com (the "Site") is an Internet property of Candid Yak LLC ("Company," "we," "our" or "us"). This Privacy Policy covers our treatment of personal information and other information that we collect when you: (a) access or use the Site; (b) access any links to third-party offers, products, services, and resources across finance, insurance, and other consumer services ("Third-Party Links") and/or informational content ("Content"); (c) access interactive features on the Site ("Interactive Services"); and/or (d) utilize contact forms or contact information to reach us directly or request to be contacted by our third-party product/service providers ("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 only.
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 California law (collectively, "Covered Users"), are afforded additional rights pursuant to applicable state law. See Privacy Provisions for Covered Users below.
California Privacy Rights
Shine the Light. California residents may learn how personal information is shared with third parties by emailing info@candidyak.com, mailing 3219 E Camelback Rd Ste 221, Phoenix, AZ 85018, or calling 877-835-5785.
CCPA/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 to limit use of sensitive personal information.
Do Not Track. We do not alter practices when a "do-not-track" signal is received; however, you may have rights with respect to targeted advertising and profiling.
Colorado, Connecticut, Virginia & Utah
Residents of these states may have rights under the CPA, CTDPA, VCDPA, and UCPA respectively, 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.
Nevada
Nevada residents may direct us not to sell certain "covered information" to data brokers by emailing info@candidyak.com or calling 877-835-5785.
Personal Information Collected
We collect personal information when you access Site Offerings and complete forms. This may include: email address, full name, telephone number, information about your interests and needs related to finance, insurance, and other services, and other information requested via Contact Services ("Contact Data").
Upon submitting Contact Data: (i) we may pass it to marketing partners, affiliates, or Third-Party Service Providers; (ii) you may be contacted regarding your request; and/or (iii) you may be contacted with third-party offers we believe may interest you.
Use of Personal Information
By submitting personal information, you agree that we may share, sell, rent, lease or otherwise provide that information to third parties for any purpose permitted by law, including marketing. These third parties may include providers of direct marketing, internet/mobile/email marketers, telemarketers, and direct marketers.
TCPA Consent. By submitting personal information, you agree that such act constitutes an inquiry under the Telemarketing Sales Rule and applicable state do-not-call regulations. Where you provide "prior express consent" within the meaning of the TCPA, you consent to receive calls (including prerecorded/artificial voice and SMS) via automated technology. This consent is not required to access the Site Offerings.
Disclosures. We may disclose personal information: (A) where we believe Site Offerings are being used in violation of our Terms or law; (B) in response to legal process; (C) in connection with M&A transactions; or (D) in bankruptcy.
Non-Personal Information, Cookies & Tracking
We collect non-personally identifiable information (browser type, IP address, OS, ISP domain) to improve the Site. We use cookies, pixels, and similar technologies to assign identifiers, store preferences, and track trends. Third parties such as Google and Microsoft Clarity may also use tracking technology. You can manage Google-related tracking via Google Ads Settings and the Analytics Opt-out Browser Add-on.
Third-Party Websites
The Site may contain links to third-party websites. We are not responsible for their privacy practices.
Security
We use encryption with advanced TLS where we collect, store, or transmit sensitive information. However, no method of transmission or storage is 100% secure.
Minors
The Site is not intended for individuals under eighteen (18) years of age.
Opt-Out / Unsubscribe
To opt out, follow instructions in marketing communications or email info@candidyak.com.
Deleting or Modifying Your Information
Email info@candidyak.com to access, correct, or remove personal information.
Privacy Provisions for Covered Users
These provisions supplement the Privacy Policy and apply solely to Covered Users to comply with the CCPA, CPRA, CPA, CTDPA, VCDPA and UCPA.
Categories Collected (Last 12 Months)
- A. Identifiers. Name, address, unique identifier, IP address, email, phone number.
- B. Customer Records. Name, address, phone, education, employment, financial information.
- C. Protected Classifications. Age, race, ancestry, national origin, citizenship, religion, marital status, sex, veteran status.
- F. Internet Activity. Browsing history, search history, interaction data.
Your Rights
Opt-Out: Email info@candidyak.com, call 877-835-5785, or mail Candid Yak LLC, 3219 E Camelback Rd Ste 221, Phoenix, AZ 85018.
Access, Portability, Deletion, Correction: Submit a verifiable request via the methods above.
Non-Discrimination: We will not discriminate against you for exercising your rights.
Retention: We retain personal information for ten (10) years, or as required by law.
Contact Us
Email: info@candidyak.com · Phone: 877-835-5785 · Mail: 3219 E Camelback Rd Ste 221, Phoenix, AZ 85018
© 2026 Candid Yak LLC – All Rights Reserved
Terms of Service
Last Updated: February 18, 2026
Welcome to Candid Yak LLC!
Candid Yak LLC ("Candid Yak," "we," "us," "our") provides our Services to you through our website at www.candidyak.com (the "Site") and through our online content, tools, and services, whether accessed on the Site or through third-party websites, mobile sites and/or applications (collectively, the "Services"), subject to these Terms of Service.
We reserve the right to change these Terms at any time. Your continued use of the Services after changes constitutes acceptance. If you do not agree, do not use the Services.
Services Description
We are an independent comparison service provider that allows you to obtain general information, including the ability to find third-party financial and insurance providers for certain products and services. The Services provide information about lenders, issuers, financial institutions, insurance carriers, and financial services providers ("financial providers") through content and tools.
Candid Yak is not a lending institution, insurance carrier, or financial service provider. Any product or transaction to which you are a party is solely between you and the applicable provider and is not part of the Services. We do not issue loans, insurance policies, credit cards, or any other financial products, nor do we act as an agent or advisor.
Registration
If you register for the Services, you agree to provide and maintain true, accurate, current and complete information. Registration data and other information about you are governed by our Privacy Policy. If you are under 18, you are not authorized to use the Services.
U.S. Audience Only
The Services are intended for use by individuals located in the United States only.
Modifications & Storage
We reserve the right to modify or discontinue the Services at any time. By submitting information on our Site, you give us permission to retain all provided information. We reserve the right to change general practices and limits at any time.
Mobile Services & TCPA Consent
Your wireless carrier's standard charges may apply when accessing via mobile. By providing your phone number, you authorize us to call you regarding products and your inquiry. If you opt-in to texts, you agree to receive messages from us and our affiliates for marketing purposes. Opt out any time by calling 877-835-5785, emailing info@candidyak.com, or replying "STOP."
User Conduct
You are solely responsible for all content you submit or upload. You agree not to use the Services to: submit infringing, harmful, or unlawful content; interfere with the Services or networks; violate any law; impersonate any person; solicit personal information; harvest contact information; further criminal activity; or attempt unauthorized access.
Intellectual Property
The Services contain content protected by copyright, patent, trademark, and other proprietary rights. The Candid Yak name and logos are trademarks of Candid Yak LLC. No license to use Candid Yak trademarks is granted without prior written permission.
Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." CANDID YAK LLC DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
Limitation of Liability
CANDID YAK LLC WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES. TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).
Dispute Resolution
Any controversy arising from these Terms shall be settled by arbitration administered by the American Arbitration Association. The place of arbitration shall be Phoenix, Arizona. Any claim must be filed within one (1) year after it arose or be forever barred.
Independent Comparison Service Disclosure
Contact Us
Candid Yak LLC
3219 E Camelback Rd, Ste 221, Phoenix, AZ 85018
Email: info@candidyak.com · Web: www.candidyak.com
© 2026 Candid Yak LLC – All Rights Reserved
Data Rights Request
Your Privacy, Your Control
To exercise your rights under state law — including the right to know, delete, correct, or opt out of the sale or sharing of your personal information — please use one of the methods below:
Submit a Request
- Email: info@candidyak.com — Include "Data Rights Request" in the subject line.
- Phone: 877-835-5785
- Mail: Candid Yak LLC, Attn: Data Rights, 3219 E Camelback Rd Ste 221, Phoenix, AZ 85018
Available Requests
- Right to Know: Request a copy of the personal information we have collected about you.
- Right to Delete: Request deletion of personal information we hold.
- Right to Correct: Request correction of inaccurate personal information.
- Right to Opt Out: Direct us to stop selling or sharing your personal information.
- Right to Limit: Limit the use of sensitive personal information (CA residents).
Verification
For your protection, we will verify your identity before processing any request. We may ask you to confirm details such as your name, email address, or phone number previously provided to us. If we cannot verify your identity, we may not be able to fulfill your request.
Authorized Agents
You may designate an authorized agent to submit a request on your behalf. We may require proof of authorization (such as a signed written authorization or power of attorney) and may also require you to verify your identity directly.
Response Time
We will respond to verifiable requests within 45 days. If additional time is needed, we will notify you of the extension and the reason.
Non-Discrimination
We will not discriminate against you for exercising your data rights. You will not receive different pricing, a different quality of service, or be denied service for submitting a request.
Third-Party Data
Candid Yak connects you with third-party service providers who may independently collect and process your information. To exercise rights regarding data held by those providers, please contact them directly. See our Providers tab for more information.
Licenses & Disclosures
Important Information About Our Services
About Candid Yak
CandidYak.com is owned and operated by Candid Yak LLC, an independent comparison service provider. Candid Yak is not a lender, insurance carrier, bank, broker, or financial advisor. We do not originate loans, issue insurance policies, make credit decisions, or provide financial advice.
Our Site connects consumers with third-party financial and insurance providers through marketplace technology platforms. Offers presented on the Site are from companies from which Candid Yak may receive compensation, which may impact how, where, and in what order products appear. We do not include all companies or all available products.
Marketplace Platform Partners
Candid Yak utilizes third-party marketplace technology platforms to connect you with product and service providers:
Engine by MoneyLion (Loans & Financial Products)
Loan offers, credit card offers, savings products, and other financial product recommendations on Candid Yak are powered by Engine by MoneyLion (ML Enterprise Inc., formerly Even Financial Inc.), NMLS# 1475872 (NMLS Consumer Access). Engine by MoneyLion is an independent comparison service provider and is not a lending institution. Engine by MoneyLion connects consumers with its network of lenders and financial service providers. All loan terms, rates, and approvals are determined solely by the individual lender.
For Engine by MoneyLion's legal disclosures, including their Privacy Policy, Terms of Service, Financial Privacy Notice, E-Consent, and Credit Authorization, please visit: engine.tech/resources/legal
MediaAlpha (Insurance Products)
Insurance-related offers and quotes on Candid Yak are facilitated through MediaAlpha, Inc. (NYSE: MAX), a leading programmatic customer acquisition platform for the insurance industry. MediaAlpha connects consumers with insurance carriers, agents, and other insurance providers. MediaAlpha is not an insurance carrier or agent and does not provide insurance quotes, rates, or policies directly.
All insurance quotes, rates, and coverage decisions are determined solely by the individual insurance carrier or agent. For MediaAlpha's privacy practices and legal disclosures, please visit: mediaalpha.com/privacy-policy
Personal Loan Disclosures
Personal loan APRs offered through our marketplace partners typically range from 5.99% to 35.99%. Actual rates depend on the lender and your creditworthiness. Repayment terms generally range from 61 days to 72 months. All rates, fees, and terms are presented without guarantee and are subject to change.
Representative Example
A $10,000 personal loan with an APR of 11.99% and a term of 36 months would result in a monthly payment of approximately $332. Total amount repaid: approximately $11,957. Actual terms vary by lender and borrower profile.
Important Disclosures
- Checking rates or pre-qualifying on Candid Yak may involve a soft credit inquiry, which does not affect your credit score. If you proceed with a lender, they may perform a hard credit inquiry.
- Candid Yak does not guarantee that you will receive any particular offer, rate, or terms.
- Compensation from providers may affect the selection and placement of offers but does not affect editorial content or reviews.
- Not all products, providers, or offers available in the market are presented on Candid Yak.
Licensing
Candid Yak LLC operates as an advertising and lead generation service. Where required, lending and financial services licensing is held by our marketplace partners, including ML Enterprise Inc. (NMLS# 1475872). Candid Yak does not require an NMLS license for its advertising activities.
Providers
Our Marketplace Partners
Candid Yak connects you with financial and insurance providers through our marketplace technology partners. The providers available to you depend on the product type and your individual profile. Below you will find information about the provider networks accessible through Candid Yak.
Loan & Financial Product Providers
Loan offers, savings products, credit cards, and other financial product recommendations on Candid Yak are powered by the Engine by MoneyLion marketplace platform. Engine by MoneyLion maintains a network of 1,300+ partners including lenders, banks, fintech companies, and other financial service providers.
The full, up-to-date list of Engine by MoneyLion marketplace providers — including lenders and other financial providers who may receive your information or present you with offers — is available here:
View Engine by MoneyLion Provider List →
This network includes providers such as Achieve, Avant, Best Egg, Better, Citizens, Credible, Discover, Earnest, LendingClub, LightStream, OneMain Financial, Prosper, Quicken Loans, Rocket Mortgage, SoFi, Upgrade, Upstart, and many more. The full list is maintained by Engine by MoneyLion and is subject to change.
Important Notes
- Candid Yak does not control which providers are available in any third-party network and is not responsible for the products, services, or practices of any individual provider.
- Provider availability, rates, and terms vary by state, product, and applicant profile.
- Each provider has its own terms, conditions, and privacy practices. We encourage you to review the terms of any provider before accepting an offer.
- To exercise data rights regarding information held by a specific provider, contact that provider directly.
Accessibility Statement
Our Commitment to Accessibility
Candid Yak LLC is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards.
Conformance Status
We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. These guidelines explain how to make web content more accessible for people with disabilities and more user-friendly for everyone.
Measures Taken
- Use of semantic HTML elements for proper document structure
- Keyboard navigable interface and focus management
- Sufficient color contrast ratios for text and interactive elements
- Descriptive alt text for images and meaningful link text
- ARIA labels and roles where appropriate
- Responsive design that works across devices and screen sizes
Feedback
We welcome your feedback on the accessibility of CandidYak.com. If you encounter accessibility barriers or have suggestions for improvement, please contact us:
- Email: info@candidyak.com
- Phone: 877-835-5785
- Mail: Candid Yak LLC, Attn: Accessibility, 3219 E Camelback Rd Ste 221, Phoenix, AZ 85018
We try to respond to accessibility feedback within 5 business days.
Third-Party Content
CandidYak.com may link to or embed content from third-party providers. While we encourage our partners to follow accessibility best practices, we cannot guarantee the accessibility of third-party content or websites.