Consumer Report Authorization

By clicking the check box and continuing with the application process, you understand and agree that you are authorizing our Service Providers, Financial Partners and Happy Money, Inc. (collectively "Happy Money," "We" or "Us") to obtain consumer reports and related information about you from one or more consumer reporting agencies.

Pursuant to this authorization, you consent to Us obtaining and using your consumer reports for any lawful purpose, including: (1) authenticating your identity; (2) making credit decisions; (3) marketing products and services from Us or a third party; (4) assisting with internal modeling and analysis; (5) servicing your loan; and (6) facilitating the sale of your loan or interests associated with your loan (or portions thereof) to third party investors, and for related purposes. In connection with these purposes, you authorize Us to share all or parts of your consumer reports among Us and/or with our respective agents, partners, counterparties, or affiliates.

You also authorize Us to verify information in your application, and you agree that We (or any agent) may contact third parties to obtain and verify any such information.

In addition to authorizing Us to obtain consumer reports when you request a loan or other product or service, you are also authorizing Us to obtain such reports during the processing or closing of a loan to you, or at various times during the term of your loan in connection with the servicing, monitoring, collection, or enforcement of the loan or the resale or potential resale of the loan or interests in the loan.

Checking your rate and reviewing loan offers on the Happy Money website will not affect your credit; it will result in a soft credit inquiry that is only visible to you. If you receive a loan through Happy Money, then a hard inquiry will appear on your credit report after you receive your loan.

Happy Money may use and share with insurance service providers the information you provide to Happy Money in connection with the loan to obtain from such insurance providers insurance related to your loan, including for the insurance service provider to underwrite insurance and for account administration, reporting, investigating, or preventing fraud or material misrepresentation, processing insurance claims, administering insurance benefits (including utilization review activities), or as specifically required by Federal or state law.