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Trust & Security

Your trust is the most important thing to us. We take significant care to keep your data safe by using the highest possible industry standards for security and privacy.

We also encourage you to read our Terms of Use and Privacy Policy to learn more about how we treat your data.

Bank-Level Security

Happy Money uses the industry-leading McAfee Secure which means our site is tested and certified daily to help protect you from identity theft, viruses, spyware and other online threats.

Norton SecurityMcAfee Security

Outside Expert Certification

Happy Money maintains state of the art security practices and is certified by McAfee. We hire the best security experts to conduct periodic security reviews and vulnerability assessments.

Secure Data Encryption

We store all sensitive financial data, such as Social Security numbers and bank account numbers, in a highly secure environment using 256-bit encryption.

Password Requirements

We have strict password strength requirements and have instituted secure steps by which you can regain access to your account should you forget your password. Your password is not known to any employee or third party with whom we may partner, and we will never ask for your password as a means of identifying yourself over the phone or email. You should never share your password with anyone, and if you ever receive an email appearing to come from Payoff that asks for your password, you should immediately report this to

Session Time-Outs

We employ session time-outs to protect your account. This feature reduces the risk of unauthorized people being able to access your account if you leave your computer unattended. You will be logged out of the site automatically after a period of inactivity.

Still have questions?

Have questions? We‘d love to hear from you!
Call 1-800-878-0901 or visit our contact page.