Article 8Add-on Sales
Section § 1798.30
This law requires each agency to create clear instructions or guidelines showing how they will uphold the rights of individuals as mentioned in this article.
Section § 1798.32
This law ensures that you have the right to ask if a government agency keeps any records about you. If they do, they must help you understand how to make your request detailed enough. Whenever you are notified that such records exist, you should be given contact details of the person responsible for these records, how you can access them, and how to dispute their contents unless you've been told this in the past year. Agencies must set rules for when and how you can see these records and confirm your identity before giving access.
Section § 1798.33
Section § 1798.34
In California, you have the right to see your personal information kept by a government agency within 30 days for active records, and 60 days for inactive or scattered records. If they don't respond in time, it's like a refusal. You can bring someone to inspect the information with you and get a copy within 15 days of reviewing it. Agencies must make sure the information is understandable. If your name isn't enough to find your records, they may ask for more details. You should be able to access your information nearby or have it mailed to you.
Section § 1798.35
If you think there is something wrong with a record an agency has about you, you can ask them in writing to fix it. They have 30 days to either make the changes you asked for or to tell you why they won't. If they refuse, they must also explain how you can ask for a review of their decision and give you contact details for the person in charge of the review.
Section § 1798.36
If you ask a government agency to change a record and they refuse, you can request a second look by a higher official in the agency. They need to finish this review within 30 days, but it can be extended another 30 days if there's a good reason. If they still won't change the record, you have the right to file a statement explaining why you disagree.
Section § 1798.37
If someone disagrees with what's in a particular record held by an agency, and writes down their disagreement, the agency must highlight the disputed part. They also need to provide copies of the person's disagreement and explain why they didn't change the record to anyone who sees or receives that record.
Section § 1798.38
This law says if you provide information about someone for job applications, promotions, adoptions, state contracts, or licenses, and you promised to keep the source of that information secret, you have to share the information with the person it's about. But, you don’t have to reveal who shared it unless that person manages or supervises the individual. You can give a copy with names removed or summarize the content. You must tell the person if the information could harm their reputation or affect their opportunities. In universities, department chairs are not considered supervisors for this purpose.
Section § 1798.39
This law section says that the rules in Sections 1798.35, 1798.36, and 1798.37 don't apply to records that show who owns property.
Section § 1798.40
In California, there's a law that allows certain personal information to be kept from the person it concerns. This applies if the information is related to criminal investigations or records, investigations into someone's suitability for a job or license, or if revealing it could mess up fairness in exams or hiring. Medical info can also be withheld if it would harm the person, but it can be shared with a doctor they choose. Settlement info for work injuries that only the State Compensation Insurance Fund holds is also private. Any information that a different law says should stay private will also be withheld. However, if another law says you can see your info, this rule can't stop that.
Section § 1798.41
This law outlines procedures for how a government agency in California should handle requests for information that it has deemed exempt from public access. If someone requests information considered exempt, the agency must inform them in writing why it’s not disclosed, except in certain cases. Agencies have 30 days to review their decision if the person affected requests it. However, if revealing the information could interfere with catching criminals, prevent a crime, or put someone's life in danger, the agency can ask a court for permission to deny the existence of such records. This court permission is temporary but can be renewed.
Section § 1798.42
This law states that when a government agency shares information from a record with you, they must not reveal any personal details about other people that might be in that record. To follow this rule, the agency should remove or hide any such details before sharing the information. However, this does not mean they can hide the identities of information sources unless specific exceptions apply.
Section § 1798.43
This law says that when a government agency shares your personal record with you, they don’t have to include information that’s considered exempt under another rule, specifically Section 1798.40. They are allowed to remove or not share this exempt information when they’re giving you access to your record.
Section § 1798.44
This section describes that the rights about personal information are specifically for the person the information is about. It doesn't apply to the rights of any outside parties, like people or agencies, wanting to access that information.
Section § 1808.1
This law explains that if you have a retail installment contract with a seller, the seller can update the contract to include any future purchases you make. This means your total cost and payments might go up if you buy more items or services. Also, the seller can use the items from past purchases as collateral for new purchases until you've finished paying off the original contract.
Section § 1808.2
This law explains how payments are handled when you buy something on credit and then make another purchase from the same seller. It says that all your earlier payments go toward paying off the first item you bought. For new payments, they are split based on the price of each item at the time of sale. If your payment goes up because of a new purchase, you can choose how much goes to each item. Any down payment on a new item must fully go to that purchase.
The seller must also give you a breakdown before your next payment is due. This includes your and the seller's names and addresses, a description of the goods or services, prices, down payments, insurance, fees, and detailed payment terms, like how much is left to pay and how finance charges are calculated.
Section § 1808.3
This law section deals with credit sales that are part of a continued agreement where new purchases are added to an existing balance. The seller must give the buyer a detailed written account before the first installment is due. This memo should include key information like the seller and buyer's details, descriptions of goods/services, the cash price, downpayment, finance charges, and payment schedule. Importantly, it requires written customer approval for interest rates and finance charge calculations. If the action involves multiple purchases, the order of payments is specified by purchase date and price. It also specifies that any finance charge calculated on a daily basis must be disclosed for prompt payment scenarios.
Section § 1808.4
This law says that if a buyer makes an additional purchase from a seller, they only have to pay the full cash price for that item until they receive certain paperwork from the seller, known as a memorandum.
Section § 1808.5
This law section explains how to calculate the finance charge on a consolidated loan payment. Basically, it tells us that you apply the appropriate finance charge rate to what's left of the unpaid balance for the entire time until the last payment is due. This is all done according to other specific rules starting from Section 1805.1.