Privacy Policy

Last reviewed on May 10, 2026.

1. Introduction

CollateralizedLoanObligations.com (“we,” “us,” or “the Site”) operates as a free educational resource on collateralized loan obligations. This Privacy Policy explains what information is collected when you visit the Site, how it is used, who it is shared with, and what choices you have. By using the Site you agree to the practices described here.

2. Data We Collect Automatically

When you load a page, our hosting infrastructure and analytics tools automatically receive standard internet log data:

• IP address and approximate location derived from it
• Browser type and version, operating system, device type, and screen resolution
• Pages requested, time and date of the request, referring URL
• Time spent on each page and outbound link clicks

This data is used to monitor performance, detect abuse, and understand which content is most useful to readers.

3. Information You Provide

If you contact us by email, we receive the email address you send from, any name you include, and the contents of your message. We do not run contact forms on the Site, so the only information we receive directly is what you put in an email to us.

4. Cookies and Similar Technologies

The Site uses cookies and similar storage technologies for three purposes:

• Strictly necessary: small amounts of data needed for the Site to load reliably.
• Analytics: Google Analytics measures aggregate traffic patterns. Analytics cookies help us understand which pages are visited and how readers move between them.
• Advertising: Google AdSense and its advertising partners may use cookies to serve, measure, and personalize ads, and to detect fraud.

You can manage cookies through your browser settings or device controls. See our Cookie Policy for category-by-category detail and opt-out links.

5. Google AdSense and Third-Party Advertising

The Site participates in the Google AdSense advertising program. Google is a third-party vendor that may serve advertisements on the Site. As a Google AdSense publisher, the following terms apply:

• Google, as a third-party vendor, uses cookies (including the DoubleClick DART cookie) to serve ads based on prior visits to this Site or to other sites on the internet.
• Google's use of advertising cookies enables it and its partners to serve ads to users based on their visit to this and/or other sites.
• Third-party vendors and ad networks other than Google may also place cookies via the AdSense program for the same purposes.
• You can opt out of personalized advertising by visiting Google Ads Settings. You can also opt out of a third-party vendor's use of cookies for personalized advertising by visiting aboutads.info or, for users in Europe, Your Online Choices.

For more information about how Google handles data collected from partner sites, see How Google uses information from sites or apps that use our services and Google's advertising policies.

6. How We Use the Data

• Operate, maintain, and secure the Site.
• Measure aggregate traffic and improve content priorities.
• Serve and measure relevant advertisements through AdSense.
• Reply to legitimate email inquiries.
• Detect and prevent abuse, scraping, or attacks.
• Comply with applicable legal obligations.

7. Sharing of Data

We do not sell or rent personal information. Limited categories of data are shared with the third parties that make the Site work:

• Hosting and CDN providers receive request logs as a normal part of serving pages.
• Google Analytics processes pageview and event data on our behalf.
• Google AdSense and its advertising partners receive data necessary to serve and measure ads.
• Legal recipients: we may disclose information if required by law, court order, or to defend against unlawful activity.

These third parties operate under their own privacy policies, which we do not control.

8. Your Rights Under GDPR (EEA, UK, Switzerland)

If you are located in the European Economic Area, the United Kingdom, or Switzerland, applicable data protection law gives you the following rights with respect to personal data we hold about you:

• Right of access to the data we hold about you.
• Right of rectification of inaccurate data.
• Right of erasure (“right to be forgotten”), subject to legal exceptions.
• Right to restrict processing in certain circumstances.
• Right to data portability.
• Right to object to processing based on legitimate interests, including direct marketing and ad personalization.
• Right to withdraw consent at any time where processing is based on consent.
• Right to lodge a complaint with your supervisory authority.

The legal bases we rely on are: legitimate interests (running and improving the Site, security, fraud prevention), consent (advertising and non-essential analytics where required), and compliance with legal obligations.

9. Your Rights Under the CCPA / CPRA (California)

If you are a California resident, the California Consumer Privacy Act and California Privacy Rights Act give you the right to:

• Know what categories of personal information are collected and the purposes.
• Request access to and deletion of personal information.
• Correct inaccurate personal information.
• Opt out of the “sale” or “sharing” of personal information for cross-context behavioral advertising.
• Limit the use of sensitive personal information.
• Be free from discrimination for exercising any of these rights.

To exercise these rights, email us at contact@collateralizedloanobligations.com. To opt out of personalized advertising on this Site, you can use the AdSense opt-out links above or send a Global Privacy Control signal from a supported browser.

10. Data Retention

Server logs and analytics data are retained for the period configured in the relevant tools (commonly 14 to 26 months for Google Analytics) and then aggregated or deleted. Email correspondence is retained for record-keeping for up to three years unless a longer retention is required by law.

11. Data Security

We use HTTPS for all page delivery and rely on the security controls of established providers (analytics, ad serving, hosting). No method of internet transmission is fully secure, and we cannot guarantee absolute security.

12. International Transfers

The Site is hosted and operated from infrastructure that may process data in the United States and other jurisdictions. If you visit from outside those regions, your data may be transferred internationally. Where required, our processors rely on Standard Contractual Clauses or equivalent transfer mechanisms.

13. Children's Privacy

The Site is intended for adult readers and is not directed at children under 16. We do not knowingly collect personal information from children. If you believe a child has submitted information to us, contact us and we will delete it.

14. Do Not Track

Some browsers send a “Do Not Track” signal. There is no industry consensus on how to interpret this signal, and the Site does not respond to it specifically. Where the Global Privacy Control signal is recognized for opt-out of sale or sharing, we honor it.

15. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last reviewed” date at the top of the page reflects the latest revision. Continued use of the Site after a change constitutes acceptance of the revised policy.

16. Contact

For privacy questions or to exercise any of the rights described above, email contact@collateralizedloanobligations.com. The data controller for this Site is the operator of CollateralizedLoanObligations.com, located in [Jurisdiction].