Happy Money Privacy Policy
This Privacy Policy was last updated Mar 25, 2026.
IMPORTANT: PLEASE READ THIS PRIVACY POLICY THOROUGHLY.
This Happy Money Website Privacy Policy Statement, and the associated Privacy Notice, together describe how we protect the information you provide to Happy Money, Inc., a Delaware corporation, and its affiliates, subsidiaries, successors, and assigns (collectively referred to as “Happy Money”), our desktop application(s), and/or through our websites, happymoney.com and/or www.payoff.com (collectively referred to herein as “Site”). This policy describes the way that Happy Money, Inc. and its affiliates, (collectively, "Happy Money", "we", "us", "our") are committed to your privacy and online security. We take your privacy and the security of information about you seriously. This privacy policy describes the ways we collect, store, use, share and protect your personal information in connection with your use of our websites, and other online services and any of its subdomains, and the products and services offered on the website (defined herein as HappyMoney.com or Payoff.com)).
Registration for the Happy Money services (“Happy Money Services”) is offered through the Site, and is made available subject to, among other things, this Privacy Policy Statement and this Privacy Notice, collectively the (“Privacy Statement”). This Privacy Statement discloses the privacy practices of Happy Money.
Happy Money reserves the right to change this Privacy Statement from time to time in its sole discretion. You are at all times responsible for reading and understanding any notices regarding this Privacy Statement and the current version of this document, as well as reading and understanding the current versions of all other Happy Money policies, procedures, and guidelines relating to the Happy Money Services and the Happy Money Site available to you.
Please find additional information regarding your state's privacy rights in the "Your Privacy Rights" section below. If you have an account or have applied for one, you can also refer to the "Happy Money Privacy Notice" for a summary of our practices regarding your personally identifiable financial information we collect from you.
By using any of our Services, you acknowledge the privacy practices described in this privacy policy, and you acknowledge that you have read this policy in its entirety.
This policy covers:
- Happy Money’s Services
- Categories of Information We Collect and How We Use It
- What Information We Collect
- How We Use the Information We Collect
- What Information We Disclose
- How We Use Cookies and Other Tracking Technology to Collect Information
- How We Protect Your Information
- Links to or from Other Websites and Services
- How You Can Access or Change Your Personal Information
- Children under 16 Years of Age
- Your Privacy Rights
- Changes to Our Privacy Policy
- Contact Us and/or Opt-Out
- Date of Last Update
- Privacy Notice
Happy Money’s Services
The goal of the Happy Money Site is to provide you with the means to register for and use the Happy Money Services, to provide you with information and resources that are most relevant and useful to consumers interested in the Happy Money Services, and to enhance and personalize your use of the Happy Money Services. To achieve these goals, Happy Money needs to collect certain personal information.
Happy Money collects, uses, stores and shares information in connection with its products and services including:
- the referral and loan comparison services we offer when you visit the Site and request conditional offers from Happy Money, credit unions, banks, and other third party licensed lenders ("Lending Partners") for whom we may act as marketer, service provider, and/or loan servicer of their loan;
- as servicer and administrator of Happy Money and certain other third party loan investors on whose behalf it is acting; and
- when you authorize Happy Money to send or receive your information to third parties to access certain additional products or services on the Site.
All loans are issued by our Lending Partners. Our partners maintain their own Privacy Policies, which can be found on our Lending Partners page. Users that apply for a Payoff Loan by using the Happy Money Services are also subject to the Privacy Policy and disclosures of the bank or credit union that is funding the loan, disclosed in the loan application process. Happy Money is not responsible for the privacy practices of its Lending Partners and does not exercise control over its Lending Partners’ sites.
Categories of Information We Collect and How We Use It
We collect information about you through the following sources:
- information you provide directly to us (such as when you register for our services, fill out a form or communicate with us),
- information we collect from third parties (such as Internet Protocol (“IP”) address or device identifiers, and geolocation data), and
- information we generate (such as through inferences or when you use the Services).
What Information We Collect
The goal of the Happy Money Site is to provide you with the means to register for and use the Happy Money Services, to provide you with information and resources that are most relevant and useful to consumers interested in the Happy Money Services, and to enhance and personalize your use of the Happy Money Services. To achieve these goals, Happy Money needs to collect certain personal information.
The types of personal information we collect depends on the products and services you use. The information includes:
- Personal Identifying Information such as: Name, Address, Phone number, Email, Date of birth, Social security number, and other contact information.
- Documents or other media that verifies your identity such as your driver’s license, passport and video calls you make at our request.
- Information such as your credit history, credit scores, and other information provided by consumer reporting agencies.
- Information about your loan account and your payment history.
- Information such as government IDs, images, and selfies to perform biometric assessment via third parties to verify your identity.
- Demographic information, such as age and gender.
- Information about your use of the products and services we offer.
- Your bank information such as your bank, your account numbers, bank account credentials, and transaction information.
- Information about your employer, current income, assets and certain expenses, including with respect to your current employment, employment offers, bank account credentials and transaction information, tax returns, W-2, and pay stubs.
- Information about your computer, mobile phone or other access device and information about your web request collected through cookies and other related technologies . The information we collect includes IP address, geolocation data, browser type, referring / exit pages and URLs, number of clicks and how you interact with links on the Site, domain names, landing pages, pages viewed, your use of third party applications, and other similar device and usage information.
We may supplement the personal information you submit to use with information from third-party sources. Please note that Happy Money only provides its services and offerings to consumers based in the United States and therefore, is not subject to jurisdictions outside the US states and territories. As such, Happy Money is not subject to the General Data Protection Regulation (“GDPR”)
How We Use the Information We Collect
We collect and use this information from or about you in order to:
- provide you and other customers with access to the products and services offered through the Site;
- improve our insights so we can tailor our content and advertising, and provide you with recommendations and/or insights that are most relevant to you;
- provide notices and other information to you about, or in connection with, these products and services;
- provide customer support and technical support;
- “prepopulate” forms that are displayed when that user has logged in for the purpose of collecting individual data by Happy Money and/or its advertisers and sponsors;
- detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, fulfill legal requirements and enforce our agreements;
- debug to identify and repair errors that impair existing intended functionality;
- provide, maintain, develop and improve our services, your experience, and to protect Happy Money and its users;
- improve your experience accessing the products and services offered through the Site by recognizing you as a customer and remembering information you previously provided so that you will not have to re-enter it;
- process your registration, your transactions, your loan application or transactions, enable payments, and fund transfers with financial institutions, to improve and expand our Services, and to determine your financial health. If you register with us, we will use this financial information about you to facilitate and service your account;
- determine creditworthiness if you are applicant and/or borrower, assess risks related to your transaction, and to help investors determine whether to commit to or purchase your loan; and
- Plaid Technologies: Happy Money uses Plaid Inc. (“Plaid”) to gather End User’s data from financial institutions. By using the Plaid service, you grant Happy Money and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy. We may also use this information to process your application or transactions and enable payments and fund transfers with financial institutions. In addition, we may use this financial information for creditworthiness if you are a borrower, assess risks related to your transaction, and to help investors determine whether to commit to or purchase your credit product. By providing your financial information or your financial payroll information to the third party, you acknowledge and agree that such information is accessed, collected, or transmitted by the third party in accordance with the privacy policy of the third party.
What Information We Disclose
In compliance with applicable law, we may disclose personal information as needed to provide you with the Services. Subject to any applicable legal exemptions including the Gramm-Leach Bliley Act, and/or the Fair Credit Reporting Act, we may disclose your personal information, including personally identifiable financial information with:
- Lending Partners that you request a conditional loan offer from or who decline to pre-approve you for a loan when you request a loan offer.
- Happy Money companies, our parents, affiliates, subsidiaries, and other companies under common control and ownership.
- Service providers, vendors, contractors, and consultants who help with parts of our business operations such as fraud prevention, servicing, bill collection, debt collection, advertising, marketing and technology services, product development, and nonaffiliated financial institutions that we partner with to market or provide the products or services to you.
- Credit reporting agencies to report account information, at your direction and otherwise as permitted by law.
- Debt buying companies that purchase your loan from our Lending Partners, if your loan has been charged off.
- Companies that we plan to merge with or be acquired by, or companies we plan to sell, divest or transfer all or a portion of our products and/or services to, including any back-up service provider or back-up administrator we, or any of our Lending Partners engage in the event we stop operating.
- Law enforcement, government officials, or other third parties when (1) we are compelled to do so by a subpoena, court order or similar legal procedure, (2) we need to do so to comply with law, or (3) if we believe in good faith that the disclosure of your personal information is necessary to prevent physical harm or financial loss or to report suspected illegal activity.
- Other third parties but only if you consent or direct us to do so.
If you select a loan offer from one of our Lending Partners, when you sign your promissory note, Happy Money will provide information about you included in your application, including personally identifiable, financial, and credit information, and your loan terms to these Lending Partners, the investors, and their agents and trustees. As the servicer of your loan, Happy Money will also share information we obtain in servicing your loan, including about your repayments, to the Lending Partner, and any subsequent purchaser of your loan, and each of their agents or trustees.
Please note your information may be aggregated, anonymized or de-identified so that it does not identify a specific user is not considered personal information when data is used to inform our sponsors, advertisers, and other third parties as to the number of people who have certain demographic characteristics and the number of those people who have seen and “clicked” on specific pages or promotion(s). We may also disclose to such third parties the overall demographics available regarding who saw and “clicked” on promotions.
Happy Money collects consent to send SMS messages to customers. If you provide your consent for Happy Money to send you messages, Happy Money will not pass this consent to other parties.
How We Use Cookies and Other Tracking Technology to Collect Information
In addition to any personal information or other information that you provide us, we may use a variety of ways that automatically collect information about how you access and interact with the Happy Money Services and Happy Money Site. We may use the following ways to collect information:
- Tracking pixels: A tracking pixel is typically a transparent graphic image that is placed on a site. Tracking pixels may be used in combination with cookies to help Happy Money understand how you interact with the Happy Money Site. The use of a tracking pixel allows the Happy Money Site to measure your actions from opening the page that contains the tracking pixel.
- Cookies and Other Tracking Technologies: We and our third-party service providers may use cookies, which are small data files stored on your browser, and other tracking technologies to automatically collect information about your use of the website and services. Like most websites today, our servers may keep log files that record data each time a device accesses our Website or Services. The log files may contain data about the nature of such access, including the device’s IP address, browser type, operating system, referring URLs, and information on actions taken on the Site. We may use these log files for purposes such as assisting in monitoring and troubleshooting errors and incidents, analyzing web traffic, or optimizing the user experience.
These technologies collect information in relation to your experience on our website and services, such as pages clicked, navigation path, bounce rates, actions taken (typically called “events”), and other metrics. We and our vendors use these technologies to optimize our Site and Services and understand user engagement in relation thereto.
In order to better serve you and offer you content and opportunities of financial products and services that may interest you, Happy Money may collect additional information from third parties. For example, Happy Money may collect information about you from social networking sites to better individualize your experience.
We use cookies to enhance your experience, for analytics, and for marketing purposes. You can control the use of cookies at the individual browser level. If you reject all cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. We have categorized the cookies we use as follows:
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Strictly Necessary Cookies: These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.
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Performance Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.
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Functional Cookies: These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.
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Targeting Cookies: These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.
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Social Media Cookies: These cookies are set by a range of social media services that we have added to the site to enable you to share our content with your friends and networks. They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these cookies you may not be able to use or see these sharing tools.
You may opt out of one or more types of these cookies at any time, with the exception of Strictly Necessary Cookies, through our cookie banner or by adjusting your browser settings.
In addition, we may not separately respond to or take any action with respect to “do not track” configurations set through your Internet browser, as industry standards are currently evolving.
How We Protect Your Information
Happy Money has security measures in place to protect your personal information from unauthorized access and use of data under our control. We maintain physical, electronic and procedural safeguards that comply with applicable federal and state laws. Additionally, we require employees to be trained in and comply with Happy Money’s privacy standards and policies, which are designed to protect customer information.
Despite the steps we take to ensure the protection of your information, unfortunately we cannot guarantee that loss, misuse, or alteration to data will not occur. To better protect you, we encrypt particularly sensitive information prior to transmission. In the event of an inadvertent disclosure, Happy Money will do everything commercially reasonable to limit and remedy the disclosure, but Happy Money accepts no liability for any unintentional disclosure. In addition, in the unlikely event that any government or private individual seeks information, Happy Money will not voluntarily provide the information, but will obey any court order requiring disclosure.
You are responsible for the security of your Happy Money username, and password, as well as, any username and password to any third party sites you may access through the Happy Money Site to obtain your Personal Information. Please take care when using and storing them. Happy Money recommends that you do not disclose your password to anyone. You should log out and close your browser at the end of each computer session to ensure that others cannot access your personal information and correspondence, especially if you share a computer with someone else or are using a computer in a public place like a library or Internet cafe.
Links to or from Other Websites and Services
We are not responsible for the privacy practices of any third-party websites or services, including those linked to or from our site. When you navigate from our site to another, please be aware that our Privacy Policy no longer applies. Your browsing and interactions are subject to that third party’s own policies, terms, and conditions. Additionally, you acknowledge that we are not responsible for, and do not control, any third parties that you authorize to access your user content. You use any such third-party services at your own risk.
How You Can Access or Change Your Personal Information
You can review and edit some of your personal information at any time by logging into your account.
Account Profile
You can update certain account profile information by logging into your Happy Money account or contacting our Member Support Team from 6:00 am - 2:30 pm (PT) / 9:00 am - 5:30 pm (ET), Monday-Friday. You may also choose to update your email address or username. Please note that any changes you make to your account profile must be in accordance with our Terms of Use.
Affiliate and Non-Affiliate Data Sharing
In compliance with applicable laws, Happy Money collects personal information from other Happy Money Affiliates. In certain cases, you have the right to opt-out of this sharing if your loan originated through HappyMoney.com or the Happy Money app or you have a continuing relationship with Happy Money. Review our Privacy Notice below to learn when this right applies. Visit Your Preference Center to learn more here. Please note, to streamline operations and ensure seamless financial experiences, Happy Money affiliates may share services including account management, transaction processing, model use, including model training and development, and customer support. These shared services adhere to strict privacy and security standards, protecting customer information while enabling efficient service delivery. However, aside from sharing information necessary for our everyday business purposes, we will not share any information with nonaffiliates without your explicit prior consent. Happy Money will not discriminate against or deny you a financial product or a financial service because you have not provided consent to disclose or share nonpublic personal information with nonaffiliates.
If your loan does not originate through HappyMoney.com or the Happy Money app, but rather through Happy Money’s online marketplace, we will not share your personal information. More specifically, because your loan does not originate through HappyMoney.com or the Happy Money app there is not an option to opt-out of sharing. As such, please contact your lender directly regarding any personal information collected and your right to opt-out.
Children under 16 Years of Age
The Children’s Online Privacy Protection Act (COPPA) of 1998 provides safeguards to protect children who use the Internet by regulating the online collection of personal information from children under the age of 13. Happy Money does not knowingly collect or share personal information from individuals under the age of 18. The Site and its content are not directed at children under the age of 13. If we learn that we have collected personal information from a child under age 13, we will delete that information promptly. If you believe that we might have any information from a child under 13, please contact us at privacy@happymoney.com.
YOUR PRIVACY RIGHTS
This section applies to U.S. state privacy laws (like California’s CCPA) that
apply to data we collect about you. Please note, however, that these broadly-applicable privacy laws do not apply
to what is referred to as personally identifiable financial information collected by financial institutions (like
Happy Money), as that information is subject instead to other financial privacy laws (like the Gramm-Leach-Bliley
Act (GLBA)). As a result, these laws do not apply to most of the information that Happy Money collects. The
details below only apply to the more limited personal information we collect that is subject to these
broadly-applicable U.S. state privacy laws.
Access, Correction, and Deletion
Depending on where you reside, you may have the right under certain U.S. state privacy laws to (1) request to know more about and access your personal information, (2) request deletion of your personal information, and (3) request correction of inaccurate personal information.
In order to exercise your rights above to access, correct or delete your information, you must submit a Verifiable Consumer Request to Happy Money. To do so, you must send an email to privacy@happymoney.com and include all of the following information:
- Your relationship with Happy Money (e.g., “member with an account,” “loan applicant,” or “other”);
- The email address through which Happy Money communicates with you;
- The name you have registered with Happy Money or to whom Happy Money addresses you;
- A contact phone number so that Happy Money may call you in order to verify your identity; and
- Which rights you are exercising: e.g. right to know; and/or deletion.
Note: If we cannot verify your identity or your authority to make the request and we cannot confirm that the Personal Information relates to you, then we will be unable to respond to your request or provide you with Personal Information. Making a Verifiable Consumer Request does not require you to create an account with us. We will only use Personal Information provided in a Verifiable Consumer Request to verify the requestor’s identity or authority to make the request. Stated differently, we only use the Personal Information that you provide when you make the Verifiable Consumer Request, to respond to the request.
Upon submitting your Verifiable Consumer Request, we will (a) respond within forty-five (45) days; or (b) if additional time is required to meet your request, we will notify you by mail or electronically, of the reason and extension period, provided however, such extension shall not exceed forty-five (45) days.
Please note that any disclosures we provide will only cover the twelve-month period preceding the Verifiable Consumer Request, unless you specifically request the information beyond that period, provided the data was collected on or after January 1, 2022, and it's not impossible or disproportionately burdensome for Happy Money to provide it.
We do not charge a fee to process or respond to your Verifiable Consumer Request provided that it is not excessive, repetitive, or manifestly unfounded.
For each Verifiable Consumer Request that is subject to CCPA, we will respond in writing and typically to the email we have on file.
Opting Out of Sharing or Selling of Your Information
Happy Money does not sell Personal Information; therefore, Happy Money does not offer an opt-out from the sale of personal information. In addition, businesses are required to offer a 'Right to Limit the Use and Disclosure of Sensitive Personal Information' when it's used for certain purposes, such as inferring characteristics about an individual. As Happy Money does not use or disclose your Sensitive Personal Information in this manner, there is no need to request limitations for that specific use or disclosure.
Data Retention of Personal Information that was collected.
Due to the regulated nature of our industry, we are under legal requirements to retain data and are generally not able to delete consumer transactional data, account application data, or other financial information upon request. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain information about you for at least seven years to comply with applicable federal and state laws regarding recordkeeping, reporting, and audits. Criteria used to determine the period of time information about you is retained are primarily related to legal requirements and usefulness of the information for the purposes it was collected. We store this personal information for as long as necessary to carry out the purposes for which we originally collected it and for other business purposes explained in this Privacy Policy.
Additional Information for California, Colorado, and Oregon consumers
This section provides additional details about the personal information we collect about California, Colorado, and Oregon consumers and the rights afforded to them under the California Consumer Privacy Act (“CCPA”), the Colorado Privacy Act (“CPA”), and the Oregon Consumer Privacy Act ("OCPA").
Please see the chart below for a list of the personal information subject to the CCPA, CPA, and OCPA we have collected about California, Colorado, and Oregon consumers in the last 12 months, along with our business and commercial processing purposes and categories of third parties to whom this information may be disclosed.
For more details about the personal information we collect, including the categories of sources, please see the "What information we collect" section above.
| Categories of personal information we collect | What’s Included in Category | Sources from which Personal Information may be collected | Business or commercial purposes for which we may use your information | Parties with whom information may be disclosed |
|---|---|---|---|---|
| Identifiers. |
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|
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| Personal information categories listed in the California Customer Records statute (Cal. Civ. Code §1798.80(e)). | The Identifiers above, plus a person’s signature, physical characteristics or description, state identification card number, education, employment, bank account number, credit card number, debit card number, or any other financial information. This definition includes any future modifications of the applicable laws. | Same as Identifiers above | Same as Identifiers above | Same as Identifiers above |
| Protected classification characteristics under California or federal law. | This includes, but is not limited to: age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, sex or gender, veteran or military status. This definition includes any modifications of the applicable laws. | Same as Identifiers above | Same as Identifiers above | Same as Identifiers above |
| Commercial/ financial information. | Including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Same as Identifiers above | Same as Identifiers above | Same as Identifiers above |
| Biometric information. | Including physiological, behavioral, characteristics, or activity patterns. | If applicable, directly from the consumer and/or applicant. | Same as Identifiers above | Same as Identifiers above |
| Internet or other similar network activity. | Including but not limited to browsing history, search history, information regarding a Consumer’s interaction with a website, application, or advertisement. | From computing devices, networks, our website cookies and other tracking mechanisms | Same as Identifiers above | Same as Identifiers above |
| Geolocation data. | Including physical location or movements. | If applicable, directly from the consumer and/or applicant. | N/A; or may be used with Internet activity, e.g., to identify potential fraud | Same as Identifiers above |
| Sensory data. | Including audio, electronic, visual, thermal, olfactory, or similar information. | If applicable, directly from a consumer and/or applicant. Likely not applicable at this time. | Not applicable | Not Applicable |
| Professional or employment- related information. | Current or past employment, e.g., for income verification. | Directly from the Consumer, customer, website visitors, job applicant; Government entities, Publicly available sources (such as your LinkedIn profile), Business and channel partners, recruiters, Service Providers and third party services | Same as Identifiers above | Same as Identifiers above |
| Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. This definition includes any of the applicable laws. | If applicable, directly from a consumer and/or applicant. Likely not applicable at this time. | Not Applicable | Not Applicable |
| Inferences drawn from other Personal Information. | Used to create a profile about a Consumer reflecting the Consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, or interests. | Directly from the Consumer, customer, website visitors, job applicant; Government entities; Publicly available sources (such as your LinkedIn profile); Business and channel partners; Recruiters; Service Providers and third party services; Cookies and other tracking technologies | Same as Identifiers above | Same as Identifiers above |
| Sensitive Personal Information | Government identifiers such as: social security number, driver's license, passport number; financial account information such as: account login details, financial account numbers, debit/credit card numbers with security codes, passwords, or other credentials allowing account access; precise geolocation; contents of mail, email, and text messages; genetic data and biometric information used for individual identification; data concerning an individual's health, sex life, or sexual orientation; protected characteristics: information about racial or ethnic origin, religious or philosophical beliefs, or union membership. | Same as Identifiers above | Same as Identifiers above | Same as Identifiers above |
In addition to those rights, California, Colorado, and Oregon consumers have the rights described above under the Your Privacy Rights section above.
Designating an Authorized Agent
You may also designate an authorized agent to exercise privacy rights on your behalf by providing the authorized agent signed permission to submit the request on your behalf. Only you or a person or entity that is either (i) registered as an agent with the California Secretary of State that you authorize to act on your behalf; or (ii) that you have provided power of attorney (“Authorized Agent”) may submit a Verifiable Consumer Request related to your Personal Information. If you choose to use an Authorized Agent, Happy Money may require that you provide the Authorized Agent with written permission to do so, and that you verify the identity of the Authorized Agent.
Compliance With State and Federal Laws
This privacy statement may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our membership. We may also be required to maintain your personal information for a certain period of time in order to comply with applicable federal and state laws regarding recordkeeping, reporting, and audits.
Changes to Our Privacy Policy
We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective as of the published effective date. When any notice is updated on our website, you will be considered as having expressly consented to any updates. We encourage you to periodically review this page for the latest information.
Contact Us or Opt-Out
How to contact Happy Money for questions about data privacy and/or the California Consumer Protection Act:
- Submit your request by using our Opt-out/unsubscribe landing page, or
- Send an email to privacy@happymoney.com.
If you do not have a data privacy question and you are just trying to unsubscribe and/or opt-out of receiving Promotional Messages from Happy Money, you can just send a request to unsubscribe by using either of the above.
Date of Last Update: Mar 25, 2026.
Happy Money Privacy Notice
This Privacy Notice was last updated on Mar 25, 2026
Happy Money, Inc., a Delaware corporation, and its affiliates, subsidiaries, successors, and assigns (collectively referred to as “Happy Money”), are committed to your privacy and security online. We take your privacy and the security of information about you seriously. Our privacy practices are described in more detail below, and we have provided a summary of how we handle non-public personal information below:
| FACTS | WHAT DOES HAPPY MONEY, INC. ("Happy Money") DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | Financial companies choose how they share your personal information. Federal and state laws give consumers the right to limit some but not all sharing. These laws also require us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? |
The types of personal information we collect and share depend on the product or service you have with us.
This information can include:
|
| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Happy Money chooses to share; and whether you can limit this sharing. |
| Reasons we share your personal information | Does Happy Money Share? | Can You Limit This Sharing? |
|---|---|---|
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes - to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes - information about your transactions and experiences | No | We don’t share |
| For our affiliate’s everyday business purposes - information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For our non-affiliates to market to you | Yes | Yes |
| To limit our sharing |
|
|---|
| Questions? | Call 800.878.0901 or go to www.happymoney.com/privacy-policy |
|---|
| Who we are | |
|---|---|
| Who is providing this notice? | You are receiving this notice from Happy Money, Inc. |
| What we do | |
|---|---|
| How does Happy Money protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state laws. These measures include computer safeguards and secured files and buildings. |
| How does Happy Money collect my personal information? |
We collect your personal information, for example, when you:
|
| Why can’t I limit all sharing? |
Federal law gives you the right to limit only:
|
| What happens when I limit sharing or limit sharing for an account I hold jointly with someone else? | Your choices will apply individually unless you tell us otherwise. Any account holder may express a privacy preference on behalf of the other joint account holders. |
| Definitions | |
|---|---|
| Affiliates |
Companies related by common ownership or control. They can be financial
and nonfinancial companies.
|
| Non-Affiliates |
Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
|
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
|
| Other important information | |
|---|---|
| For California Residents | If you live in California, we will not share your personal information with nonaffiliates, except for our everyday business and marketing purposes, as permitted by law, or if you agree to such sharing on a separate form enclosed with this notice. You do not have to contact us to implement this limit on our sharing. Also, you may keep us from sharing your personal information for joint marketing with nonaffiliates by (1) completing the separate form enclosed with this notice, found here; or (2) calling or visiting us online as described under "To limit our sharing," above. You may limit our sharing with affiliates and keep them from using information we share with them to market to you by calling or visiting us online as described under "To limit our sharing," above. |
| For Nevada Residents | We provide you this notice under Nevada state law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do-Not-Call List by calling us at 1-800-878-0901or sending a message to privacy@happymoney.com. If you would like to review and request changes to any of your covered information that is collected through the Internet website or online service, please contact us at privacy@happymoney.com or in writing to: Happy Money, Inc. Attn: Legal Department 21515 Hawthorne Blvd, Suite 200 Torrance, CA 90503 Or contact the Bureau of Consumer Protection Office of the Nevada Attorney General 555 East Washington Street, Suite 3900 Las Vegas, NV 89101 Phone number: (702) 486-3132 |
| For North Dakota Residents | North Dakota’s privacy law requires you to consent to, or ‘opt-in’ to, the sharing of personal information. Except as permitted by North Dakota law or as authorized and consented to by you, we will not share information we collect about you with non-affiliated third parties or for joint marketing purposes. |
| For Vermont Residents | The information practices we have described above comply with federal law. Vermont law places additional limits on sharing your personal information. We will automatically limit the disclosure of your information within and outside our family of companies as permitted or required by applicable law or regulation. You do not have to contact us to implement this limit on sharing. In addition, to limit our sharing, please follow the instructions in the "To limit our sharing" part of this document. |
| For Texas Residents: | For Texas residents only: For questions or complaints about this loan, contact Happy Money at 1-800-878-0901 or support@happymoney.com. The lender is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov. |
| For Residents of All Other States: | To limit our sharing, please follow the instructions in the "To limit our sharing" part of this document. |