Disclosure

Last Updated 05.02.2025

Privacy Policy

PRIVACY POLICY
EFFECTIVE: JANUARY 1, 2026

The operators of this website (or “site”) are committed to protecting the privacy and security of the personal information (“Personal Information” or “PII”) of visitors (“you,” “your,” or “consumer”). These Privacy Policy terms describe the manner in which we collect, use, disclose, and safeguard a consumer’s Personal Information, as well as their rights and choices with respect to such information. By accessing or using the website and its related services (collectively, the “Services”), you acknowledge that you have read, understood, consent to, and agree to be bound by the terms of this Privacy Policy. If you do not agree to these terms, you must discontinue use of the website and services. This Privacy Policy is incorporated into and subject to the website’s Terms of Use. The operators of this website reserve the right to modify, replace, and amend this Privacy Policy at any time and when revisions are implemented, they will take immediate effect upon publication, replacing and superseding any previous version of these terms. Therefore, you are encouraged to review this Privacy Policy each time you access the website, as your continued use of the website after such changes shall constitute your acceptance.

A. COLLECTION OF INFORMATION NOTICE AND DISCLOSURES. The operators of this website collect various categories of Personal Information as necessary to operate the site and provide consumers with Services. Such categories will include, without limitation, identifiers, demographic information, commercial information, internet or other electronic network activity, employment-related information, sensitive Personal Information, and inferences derived from other Personal Information. Section B presented below and titled “Personal Information Website Collects, Uses, and Shares” provides additional details regarding the categories of Personal Information collected and whether such information is sold or shared with third-parties. The operators of this website retain Personal Information only for as long as reasonably necessary to fulfill the purposes for which it was collected, to comply with applicable legal obligations, and as otherwise permitted or required by law and pursuant to the terms set forth herein. Consumers may exercise their rights under applicable data protection laws by contacting the operators of this website using the contact information herein. Consumers may also opt-out of receiving future marketing communications by utilizing the “Unsubscribe” mechanism here.

B. PERSONAL INFORMATION WEBSITE COLLECTS, USES, AND SHARES.
1. Information Consumers Provide. The operators of this website collect Personal Information that consumers voluntarily submit through forms or other interactions with the website, including but not limited to, name, email address, mailing address, telephone number, employment information, social security, bank account information, and date of birth. Certain Services may not be available if required information is not provided. The submission of Personal Information is voluntary; however, failure to provide certain information may limit your ability to access or use certain services.
2. Automatically Collected Information. The operators of this website also automatically collect certain information regarding a consumer’s device and usage of the website, including without limitation, IP address, browser type, device identifiers, and interactions with the website content. Such information is collected through cookies and similar tracking technologies. Please refer to the Tracking Technologies section herein for more detailed information.
3. Information from Third-Parties. The operators of this website may obtain and supplement a consumer’s Personal Information with data and information received from third-parties, including affiliates, service providers, social media platforms, data brokers and data aggregators, and publicly available sources. Such information may be combined with information we already maintain and safeguard in our databases in order to improve the accuracy of our records and enhance the Services.

C. HOW WEBSITE USES YOUR INFORMATION. The operators of this website process Personal Information collected from consumers compliantly for legitimate business purposes, including, but not limited to, providing consumers with requested products and Services, delivering customer support, enhancing security, preventing fraud, conducting marketing and promotional activities, and performing analytics. Additional uses by the website may include:
1. To Deliver Services. To process and fulfill consumer requests and to share consumer information with third-party lenders and financial service providers in connection with such requests.
2. To Communicate with Consumers. To send consumer information regarding Services, offers, and related opportunities that may be available through lenders and financial service providers, and to respond to consumer inquiries, requests, or concerns.
3. For Functional Support. To facilitate connections with lenders while maintaining website functionality and ensuring data security and fraud prevention.
4. To Analyze and Improve Services. To monitor and analyze usage patterns from consumers in order to improve the website, Services, operations, user experience, and to develop new products and offerings.
5. To Personalize Content and Experiences. To tailor content, advertisements, and user experiences based on a consumer’s preferences and interactions.
6. For Corporate Governance and Legal Obligations. To conduct internal administrative functions, including audits, compliance reviews, and corporate transactions. Also, to comply with applicable laws, regulations, legal processes, subpoenas, court orders, or governmental requests.
7. To Defend and Preserve Website’s Legal Rights. To establish, exercise, or defend legal claims and to protect the operators of this website’s rights, intellectual property, and interests.

D. SHARING OF PERSONAL INFORMATION BY WEBSITE. The operators of this website may disclose a consumer’s Personal Information to third-parties as necessary to provide the Services, such as the specific services a consumer requests, and fulfill the purposes described herein. These third-parties may include lenders, financial service providers, and marketing partners. The operators of the website require such third-parties to maintain appropriate safeguards and data security standards and to use Personal Information solely for authorized purposes. The operators of this website may disclose Personal Information to third-party lenders and financial service providers to connect you with requested financial products such as short-term loans; technical vendors supporting hosting, analytics, and customer service; affiliates and advertising partners to present related offers and services; and governmental or regulatory authorities, where required. Additional disclosures by the operators of this website may include: (i) Product and Service Delivery—Disclosure of all relevant categories of Personal Information to third-parties involved in delivering requested products and Services; (ii) Website Functionality—Disclosure to vendors performing services such as hosting, data analysis, marketing support, and customer service operations; (iii) Third-Party Products and Services—Disclosure to affiliates, service providers, and data partners who may present related financial offers or services to you; (iv) Anonymized Information—Disclosure of aggregated or de-identified information for analytical, statistical, or marketing purposes; (v) Acquisition or Merger—Disclosure or transfer of Personal Information in connection with any merger, acquisition, reorganization, or sale of assets; and (vi) Legal Process—Disclosure where required by law or where the operators of this website determine in good faith after consulting legal counsel that such disclosure is necessary to comply with legal obligations, enforce our rights, prevent fraud, or protect safety.

E. “DO NOT TRACK” SIGNALS. The operators of this website do not currently respond to browser-based “Do Not Track” signals due to the lack of a uniform standard governing such signals.

F. WEBSITE’S TRACKING TECHNOLOGIES. The operators of this website may utilize cookies, pixels, web beacons, and similar tracking technologies (together “Tracking Technologies”) to gather and analyze information regarding user interactions with the website and related Services. Additionally, third-parties may also employ Tracking Technologies in connection with their Services. Consumers may have the ability to control the use of cookies through their website browser settings; however, disabling such technologies could potentially impair the functionality of the website and its services. “Cookies” are small data files stored on your device that facilitate recognition of your user activity. “Web beacons” are small code elements used to monitor engagement metrics such as page views and advertising effectiveness. “Pixels” may be used in email communications for tracking purposes, specifically to see when an email is opened, which device is being used to open the email, and to view IP address. Our internal servers may also automatically collect information through these technologies for purposes including trend analysis, optimization, website administration, user tracking, and demographic aggregation. Such information may be combined with other data sources. It is important to remember that third-party Tracking Technologies are governed by the respective third-parties’ policies and practices, which are beyond our website’s control.

G. CONSUMER PRIVACY RIGHTS. The operators of this website provide consumers with certain rights and choices regarding their Personal Information, including the ability to manage communication preferences and certain uses or disclosures of data. Additional rights may be available to residents of specific states, such as California Residents. Please see additional policy for more information.

H. DATA RETENTION. The operators of this website retain and safeguard Personal Information for no longer than is necessary to achieve the purposes outlined in this Privacy Policy and the website’s legal disclosures, unless a longer retention period is required or permitted by law. Personal Information will be securely deleted, destroyed, or anonymized in accordance with applicable legal and statutory requirements.

I. SECURITY. The operators of this website implement commercially reasonable administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, disclosure, alteration, breach, or destruction. Notwithstanding the foregoing, no method of transmission over the internet or method of electronic storage is entirely secure, and we cannot guarantee absolute security.

J. NOTICE TO CALIFORNIA CONSUMERS—CCPA. Pursuant to the California Consumer Privacy Act (“CCPA”), CA residents are afforded certain rights with respect to their Personal Information. Please refer to our separate CCPA Policy for additional information regarding these rights. We do not respond to “Do Not Track” signals.

K. NOTICE TO RESIDENTS OF COLORADO, CONNECTICUT, UTAH, OR VIRGINIA. Residents of these states may have additional statutory rights under applicable law, including the right to access, correct, delete, and obtain a copy of their Personal Information by the operators of this website, as well as the right to opt-out of targeted advertising or the sale of Personal Information. To exercise such rights, please contact the operators of this website directly using the contact information below. Notwithstanding, the operators of this website reserve the right to verify your identity prior to fulfilling any statutory request so that the website can safeguard consumer information and prevent fraud.

L. UNITED STATES CONSUMERS ONLY. The services are intended solely for consumers located within the United States. Notwithstanding, certain loan products and financial services offered by lenders in our network might not be available in certain states. By accessing the Website from outside the United States, you acknowledge and consent to the transfer, storage, and processing of your Personal Information in the United States, where data protection laws may differ from those in your jurisdiction. The website and its services are not directed to individuals under the age of eighteen (18), and we do not knowingly collect Personal Information from such individuals.

M. CONTACT. If you have any questions regarding this Privacy Policy or our data practices, please contact:
Email: [email protected]
Mailing Address: 838 Walker Road Suite 21-2, Dover, DE 19904

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Important Disclosures

Disclaimers: The operators of this website are not lenders, financial institutions, creditors, and do not broker loans, determine creditworthiness, or make credit decisions. Therefore, the operators of this website have no determination in determining whether a consumer will be approved for a loan by a lender they may connect with using the services offered on this website. The operators of this website offer a free service which collects a consumer’s submitted information and passes it to third-party lenders in its network, which may offer certain financial products. Submitting information through the website form does not guarantee that a consumer will connect with a lender or qualify for a loan or a specific amount of credit. The typical loans products offered by lenders which consumers may connect with are not long-term financial solutions but instead, are intended to provide temporary credit to resolve immediate financial needs or emergencies. The operators of this website receive monetary compensation from the lenders a consumer may connect with and whose products are presented through the website, such as a referral for each consumer request they receive. In sum, the operators of this website earn referral fees from passing information to lenders. This form of compensation will impact which lenders a consumer may connect with or which offers a consumer may receive from a lender. Not all loan products available to consumers in the marketplace may be offered through our free service or available through the lenders you may connect with and consumers are encouraged to conduct research prior to the acceptance of credit. Lenders that consumers may connect with through our service will likely perform credit checks through credit reporting bureaus while also verifying the information a consumer provides on the website’s form, including but not limited to: social security number, address, phone number, employment history, and bank account information. By submitting information to the operators of this website, consumers are providing express written consent, in accordance with the Fair Credit Reporting Act, for lenders to access your credit reports, credit scores, and related consumer information. Furthermore, our service works with several types of lenders, including national and state licensed and tribal lending institutions. Indian tribes that are federally recognized are independent sovereign nations, meaning that their wholly owned entities are generally not subject to certain laws and regulations governing lending, such as rates, fees and other loan related conditions. Consumers that connect with tribal lending institutions on this website are encouraged to review all material terms, including rates, as they may be higher than those rates offered by certain state licensed lenders. Lenders you may connect with are required by federal law to disclose material loan terms and conditions to consumers, such as rates and fees. Non-payment of loans may impact a consumer’s credit score negatively if a credit provider chooses to report delinquencies. Additionally, failure to repay loans may result in nonpayment penalties and collection activities. The operators of this website do not recommend, endorse, or warrant any product or service. You are under no obligation at any time to accept any offer from a lender or financial service provider. For more information, visit our Disclosure page.

Availability: The products and services offered by lenders in our network may not be available in every state. If a consumer resides in a state where certain products or services are not offered or available, then the consumer will not be able to be connected to a lender. No services offered by the operators of this website shall constitute an offer or solicitation for any financial or loan products that are prohibited by state law.

Billshappen.com® is an exclusive trademark of Winston Wolfe Media Group, LLC (“WWMG”). WWMG does not operate this website, does not provide any services to consumers, and does not collect, receive, store, or process consumer information submitted through this website. All services, including data collection, processing, consumer communications, and interactions with lenders or service providers, are performed solely by the operators of this website. WWMG is not a lender, broker, or agent of any lender and does not make credit decisions or participate in any lending or marketing activities. WWMG reserves all rights. Unauthorized copying, distribution, or dissemination of any kind is prohibited.