California Privacy Notice

Updated December 30, 2019

This Supplemental Privacy Notice for California Consumers (“California Notice”) applies to California Consumers and their Personal Information, each as defined by the California Consumer Privacy Act of 2018, Cal. Civil Code § 1798.100 et seq., (“CCPA”). This is a supplement to the Happy Money Privacy Policy and Privacy Notice and provides additional rights to California consumers, as applicable. If there is a conflict between this California Notice and the Privacy Policy, then this California Notice shall govern as applicable. Any capitalized terms used but not defined herein shall have the same meaning as in the CCPA. Happy Money does not sell Personal Information.

  1. Right to Know, and Deletion of Personal Information
  2. Verifiable Consumer Request
  3. Authorized Agent
  4. Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
  5. Collection of Personal Information
  6. Categories of Personal Information
  7. Categories of Sources from which Personal Information was collected
  8. Business or Commercial Purpose for which the Personal Information was collected
  9. Categories of Third Parties with whom Happy Money shares Personal Information
  10. Contact Us and/or Opt-Out
  11. Date of Last Update

1. Right to Know/Access, and Right to Deletion of Personal Information

Pursuant to the CCPA, as a California Consumer, you may have the following rights with respect to your Personal Information:

  • Know/Access – allows you to request that Happy Money provide you with the categories of information that Happy Money has collected or disclosed to third party service providers within the twelve-month period prior to your request. You can make this request up to two times every twelve months.
  • Deletion of Personal Information – allows you to request that Happy Money delete your Personal Information. This may be subject to other rules and regulations such as the Gramm-Leach-Bliley Act (GLBA), the Equal Credit Opportunity Act (ECOA), and Regulation B. For instance, ECOA and Regulation B require retention of loan application and applicant information for a period of no less than 25 months. Other rules and regulations have similar requirements, e.g., for records requirements and/or for business operations.

2. Verifiable Consumer Request

In order to exercise your rights in Section 1 above, 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 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.

Responding to Your CCPA Request(s)

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.

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.

3. Authorized Agent

Designating an Authorized Agent

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 to pursuant to Probate Code Sections 4000 to 4465 (“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.

4. Right to Non-Discrimination for the Exercise of a CCPA request

You will not receive discriminatory treatment for making a request under the CCPA. As such, unless required or permitted by the CCPA or another regulation, we will not: Deny you goods or services; Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties; Provide you a different level or quality of goods or services; or Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

5. Collection of Personal Information

a. Categories of Personal Information.

Categories of Personal Information that Happy Money may have collected about Consumers in the preceding twelve-month period. Please note that these are general categories of information, and Happy Money may not collect every type of information within a category. For instance, Happy Money generally does not collect religious or ancestry information, but does collect military status in relation to loan applications. Accordingly, Category C is “Yes” because at least one type of information within the Category C may be collected.

Category of Personal Information

Included in Category

Does Happy Money Collect?

A Identifiers. A real name, alias, postal address, unique personal identifier, online identifier, internet protocol (IP) address, email address, account name, social security number (SSN), driver’s license number, passport number, or other similar identifiers. Yes
B 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. Yes
C 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. Yes
D Commercial/financial information. Including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. Yes
E Biometric information. Including physiological, behavioral, characteristics, or activity patterns. Yes
F 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. Yes
G Geolocation data. Including physical location or movements. No
H Sensory data. Including audio, electronic, visual, thermal, olfactory, or similar information. No
I Professional or employment-related information. Current or past employment, e.g., for income verification. Yes
J 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. No
K 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. Yes

b. Categories of Sources from which Personal Information was collected.

Categories of sources means types of entities from which Happy Money collects personal information about Consumers.

Category of Personal Information

Categories of Sources from which Personal Information was collected

A Identifiers
  • 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, tracking technologies
B Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). Same as Identifiers above
C Protected classification characteristics under California or federal law. Same as Identifiers above
D Commercial information. Same as Identifiers above
E Biometric information. If applicable, directly from the consumer and/or applicant.
F Internet or other similar network activity. From computing devices, networks, our website cookies and other tracking mechanisms
G Geolocation data. If applicable, directly from a consumer and/or applicant.
H Sensory data. If applicable, directly from a consumer and/or applicant. Likely NA at this time.
I Professional or employment-related information.
  • 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
J Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). If applicable, directly from a consumer and/or applicant. Likely NA at this time.
K Inferences drawn from other Personal Information.
  • 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

c. Business or Commercial Purpose for which the Personal Information was collected.

Categories of sources means types of entities from which Happy Money collects personal information about Consumers.

Category of Personal Information

Business or Commercial Purpose for which the Personal Information was collected

A Identifiers.
  • To facilitate, operate, and provide our Services;
  • To verify the identity of our Users;
  • To determine your eligibility to use our Services;
  • To further develop, customize and improve our Services, and to provide you with any such enhanced Services;
  • To provide customer assistance and technical support;
  • To contact our Users, Consumers, customers, and website visitors with general and personalized service-related notices, surveys and promotional messages including marketing and advertising messages;
  • To create aggregated statistical data and other aggregated and/or inferred Non-personal Information, which we, our Users or our business partners may use to operate and improve our respective services;
  • To manage and assess risk, enhance our data security and fraud prevention capabilities, and help protect against error, fraud or any illegal or prohibited activity;
  • To act as permitted by, and to comply with any legal or regulatory requirements;
  • To conduct any additional activities that may require the use of your Personal Information, for which we will request your consent in advance;
  • And any other usage delineated in Happy Money’s Privacy Policy.
B Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). Same as Identifiers above
C Protected classification characteristics under California or federal law. Same as Identifiers above
D Commercial information. Same as Identifiers above
E Biometric information. Same as Identifiers above
F Internet or other similar network activity. Same as Identifiers above
G Geolocation data. N/A; or may be used with Internet activity, e.g., to identify potential fraud
H Sensory data. N/A
I Professional or employment-related information. Same as Identifiers above
J Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). N/A
K Inferences drawn from other Personal Information. Same as Identifiers above

d. Categories of Third Parties with whom Happy Money shares Personal Information.

Category of Personal Information

Categories of Third Parties with whom Happy Money shares Personal Information

A Identifiers.
  • Happy Money’s subsidiaries and affiliated companies;
  • Hosting and server co-location service providers;
  • Internet service providers and operating systems and platforms;
  • Data and cyber security service providers;
  • Banks, financial institutions, payment processors, payment accelerators, financial services providers, capital providers, correspondents, and to other financial service providers;
  • Credit Bureaus and collection agencies;
  • Fraud detection and prevention service providers;
  • Data and web analytics, e-mail distribution and monitoring services, session recording, remote access service providers;
  • Our business, legal, tax, financial advisors, and other advisors with whom we have a confidential relationship;
  • Government/Law Enforcement agencies and legal requests or duties;
  • Service providers that help us verify your identity and comply with our legal and regulatory obligations to screen and monitor transactions; .
  • Recruiters and companies that provide background checking services;
  • Third parties to which you have consented to sharing your Personal Information; and
  • Any other categories delineated in Happy Money's Privacy Policy
B Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). Same as Identifiers above
C Protected classification characteristics under California or federal law. Same as Identifiers above
D Commercial information. Same as Identifiers above
E Biometric information. Same as Identifiers above
F Internet or other similar network activity. Same as Identifiers above
G Geolocation data. N/A
H Sensory data. N/A
I Professional or employment-related information. Same as Identifiers above
J Non-public education information (per the Family Educational Rights and Privacy Act: 20 U.S.C. Section 1232g, 34 C.F.R. Part 99). N/A
K Inferences drawn from other Personal Information. Same as Identifiers above

6. Contact Us and/or Opt-Out

How to contact Happy Money for questions about data privacy and/or the California Consumer Protection Act:

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.

7. Date of Last Update: December 2019.

We may amend this California Notice 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.