Privacy Policy
This Privacy Policy describes how HappyMoney, LLC ("HappyMoney," "we," "us," or "our") collects, uses, and shares information when you use happymoney.com (the "Website"). HappyMoney is a loan connecting service that submits consumer requests to a network of participating US lenders.
1. Information We Collect
We collect the following categories of information when you submit a request or interact with the Website:
- Identifiers: first and last name, email address, phone number, and state of residence.
- Financial parameters: your requested loan amount, which ranges from $500 to $5,000, and related request details.
- Technical and browsing data: IP address, browser type, device information, pages visited, and referral source.
- Other information: any additional details you voluntarily provide through our forms.
2. How We Use Information
We use collected information for the following purposes:
- Connecting your request with participating lenders in our network.
- Fraud prevention and verifying the integrity of submitted information.
- Regulatory compliance and fulfilling legal obligations.
- Communicating with you regarding your request and providing customer support.
3. Sharing with Third Parties
HappyMoney is a lead aggregator and connecting service. We share the information you submit with participating US lenders in our network so they may evaluate your request. We are not an agent, representative, or broker of any lender and do not make credit decisions. We may also share information with service providers who support our operations, and with authorities where required by law.
4. Soft Inquiry Note
Initial rate checks performed through HappyMoney use a soft credit inquiry, which does not impact your credit score. If you proceed with a specific lender, that lender may perform a hard credit inquiry as part of their underwriting process.
5. User Rights
California residents have rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know, delete, and correct personal information, and to opt out of the sale or sharing of personal information. Other US residents may have similar rights under applicable state law. To exercise these rights, contact us using the information below or submit a request through our Do Not Sell My Personal Information page.
6. Security & Contact Information
We use 256-bit SSL encryption and reasonable administrative and technical safeguards to protect personal information. No method of transmission over the internet is completely secure. For questions about this policy or your information, contact us:
- HappyMoney, LLC — 26610 Agoura Road, Suite 210, Calabasas, CA 91302
- Phone: (833) 710-3200
- Email: info@happymoney.com