BillsHappenTM collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users of its websites.
BillsHappenTM collects Personally Identifiable Information when you provide it through your use of the Website, such as by completing one or more stages of an online form (a “Form”) requesting a loan offer from a lender participating in BillsHappenTM’s lender network (a “Lender Partner”) or by sending questions to BillsHappenTM via the Website. The types of Personally Identifiable Information BillsHappenTM collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
The types of non-Personally Identifiable Information that BillsHappenTM collects (either directly, through the use of “cookies,” or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you.
BillsHappenTM may share this non-Personally Identifiable Information with its suppliers and other third parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information.
BillsHappenTM may allow third parties, including advertising partners and personal loan lenders, to display advertisements on the Website. These companies may use tracking technologies, including cookies, to collect information about users of the Website who view or interact with these advertisements. BillsHappenTM does not provide Personally Identifiable Information to these third parties.
BillsHappenTM uses the Personally Identifiable Information you provide through the Website in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from BillsHappenTM, Lender Partners, other third party lenders, BillsHappenTM’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the website; enforce BillsHappenTM’s terms and conditions, and perform any other functions otherwise described to you at the time BillsHappenTM collects the information.
BillsHappenTM may review and use your financial information and your social security number to connect you with Lender Partners or other third party lenders with whom BillsHappenTM has a business relationship. BillsHappenTM may also review your financial information and social security number to verify your identify and protect against possible fraudulent transactions.
BillsHappenTM may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom BillsHappenTM has a business relationship. These third party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, BillsHappenTM may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom BillsHappenTM has a business relationship.
Any third parties with whom BillsHappenTM shares Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once BillsHappenTM has transferred or shared it with those third parties as described in this Policy or the BillsHappenTM Terms and Conditions.
BillsHappenTM will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. BillsHappenTM will disclose your Personally Identifiable Information when BillsHappenTM believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of BillsHappenTM’s parent company, its employees, its website users, or others; or to enforce the Terms and Conditions or other agreements or policies.
In addition, BillsHappenTM may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.
The Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at BillsHappenTM’s sole and absolute discretion. Changes to this Policy will be posted on the Website and BillsHappenTM will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the Website. If BillsHappenTM makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, BillsHappenTM will notify you by posting notice of the changes on this website.
We take reasonable and appropriate security precautions to secure the personal information that you choose to provide against the loss, misuse, alteration, or unauthorized access of such information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. While we strive to protect your personal information, we cannot ensure or warrant the security or confidentiality of any personal information you transmit to us.
Because an industry-standard Do-Not-Track protocol has not yet been established, we will not change your browsing experience based on any “Do Not Track” signals that may be sent by certain browsers or selected by you.
However, you can visit www.cookiecentral.com and http://www.aboutads.info to learn more about this type of advertising and how to opt-out of this form of advertising by companies participating in the Digital Advertising Alliance (“DAA”) self-regulatory program. Note that electing to opt-out will not stop advertising from appearing in your browser or requests. It may make the ads you see less relevant to your interests. In addition, note that if you use a different browser or erase cookies from your browser, you may need to renew your opt-out choice. As each browser is different, please check the help section of your browser for instructions on how to remove cookies and learn about other privacy and security settings that may be available.
The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. BillsHappenTM does not knowingly collect Personally Identifiable Information from children under the age of 18.
BillsHappenTM has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information BillsHappenTM collects online. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although BillsHappenTM takes steps to secure your information, BillsHappenTM does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.
If you would like to review and/or request changes to the Personally Identifiable Information that BillsHappenTM has collected about you through your use of the Website, please contact BillsHappenTM by writing or sending email to the addresses below.
Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her information shared with third parties. BillsHappenTM has elected the second option, and you may opt out by completing one or more forms on our Opt Out page.
California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to firstname.lastname@example.org.
If you have questions, comments, or concerns regarding our Privacy Statement, please email us or click to Contact Us.
|FACTS||WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?|
|Why?||Companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.|
The types of personal information we collect and share depend on the product or service you have with us.
This information can include, but is not limited to:
|How?||Companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons companies can share their customers' personal information; the reasons we choose to share; and whether you can limit this sharing.|