Privacy Policy
Last updated & effective date: August 2026. Learn how BillsHappen collects, uses, protects, and handles consumer information across our personal loan exploration platform.
Table of Contents
Consumer Privacy Commitment
BillsHappen is committed to transparent data stewardship. We treat your personal information with strict security safeguards, utilize 256-bit encryption for all transmissions, never sell sensitive personal financial credentials, and respect your state and federal privacy rights.
1. Overview & Scope
This Privacy Policy applies to the website, mobile-optimized experiences, calculators, and online services provided by BillsHappen ("BillsHappen", "we", "us", or "our"), operated by BillsHappen Media LLC.
BillsHappen operates as an online loan referral and consumer informational marketplace. We connect consumers seeking personal loan options with third-party participating lenders, lending networks, and financial service partners. This policy explains what information we collect, the purposes for which we process it, the categories of third parties with whom we share it, and the controls you have over your personal data.
2. Information We Collect
Depending on how you interact with our website, request calculators, and inquiry forms, we may collect personal information in several categories:
| Category | Specific Data Elements Collected | Source |
|---|---|---|
| Identifiers | Name, email address, telephone number, approximate state of residence, IP address, and unique online device identifiers. | Direct consumer submission & automated device detection |
| Loan Inquiry & Financial Profile | Requested loan amount, intended loan purpose (e.g., debt consolidation, home improvement, emergency expense), self-reported employment status, and general monthly income bracket. | Direct consumer submission via inquiry wizard & calculators |
| Internet & Electronic Activity | Browser type and version, operating system, referring URLs, pages viewed, time spent on pages, clickstream data, and interaction timestamps. | Automated logging, cookies, and privacy-preserving analytics |
| Geolocation Data | Approximate geographic location (city and state derived from IP address or self-selected state of residence). | IP address lookup and form selections |
| Commercial & Inquiry Records | History of loan inquiries submitted, calculator scenarios generated, and customer support communications. | Direct interaction logs |
What We Do NOT Collect
BillsHappen does not collect or store your Social Security Number (SSN), driver's license number, bank account login credentials, online passwords, or credit card numbers on our servers. When you are connected to a specific participating lender to complete a full loan application, you enter that underwriting data directly on the lender's secure, independently regulated platform.
3. How We Use Information
We process your personal information for specific business and commercial purposes in compliance with applicable law:
- Loan Matching & Connection: Matching your requested loan criteria with participating lenders and credit networks that offer personal loans in your state and amount range.
- Interactive Tools & Estimates: Powering our loan payment calculators, amortization models, and rate comparison tools.
- Communications & Inquiries: Delivering summary confirmation emails, responding to customer support inquiries, and providing requested information regarding your loan options.
- Fraud Prevention & Security: Detecting, preventing, and mitigating fraudulent transactions, unauthorized access, spam, and technical threats.
- Analytics & Service Improvement: Analyzing website performance, diagnosing server issues, and optimizing user workflows.
- Legal & Regulatory Compliance: Fulfilling record-keeping requirements under federal and state consumer lending laws, maintaining compliance audits, and responding to lawful court orders or subpoenas.
4. Sharing & Third-Party Disclosures
To provide our loan exploration services, we disclose personal information to the following categories of recipients:
- Participating Lenders & Lending Networks: When you submit a request to check loan options, we transmit your inquiry criteria to participating lenders and lending partners so they can evaluate your inquiry and determine if they can extend a loan offer.
- Service Providers & Vendors: Trusted contractors and technological service providers who perform services on our behalf (e.g., cloud hosting, email delivery, cybersecurity, customer support tooling). These providers are bound by strict contractual data protection agreements.
- Legal Authorities & Law Enforcement: Disclosures made when required by law, regulation, subpoena, search warrant, or regulatory inquiry, or to protect the vital interests, rights, or safety of consumers and BillsHappen.
- Corporate Transactions: In the event of a merger, acquisition, asset sale, or restructuring, consumer records may be transferred as a business asset subject to standard confidentiality protections.
5. Gramm-Leach-Bliley Act (GLBA) Financial Privacy Notice
Under the federal Gramm-Leach-Bliley Act (GLBA) and FTC regulations, financial institutions and consumer referral platforms must disclose their information sharing practices:
| Reasons We May Share Your Information | Does BillsHappen Share? | Can You Limit This Sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your loan inquiries, maintain your account, and respond to court orders | Yes | No (Required for service fulfillment) |
| For our marketing purposes — to offer relevant financial educational products and updates to you | Yes | Yes (Opt-out anytime via email unsubscribe) |
| For joint marketing with other financial companies | No | We do not engage in joint marketing |
| For non-affiliates to market their loan and credit products to you upon your affirmative request | Yes | Yes (You control when you submit an inquiry) |
6. Cookies & Tracking Technologies
We use first-party cookies, session storage, and web beacons to enhance site navigation, preserve calculator configurations across page visits, and measure website traffic patterns:
- Essential & Functional Cookies: Required for page navigation, session persistence, security token validation, and form error handling.
- Analytics & Performance Cookies: Measure aggregate traffic statistics, bounce rates, and load times to help us improve site responsiveness without identifying individuals.
Managing Cookies: You can configure your internet browser to refuse cookies or alert you when cookies are being sent. Note that if you disable all cookies, some interactive calculator features or form automations may not function as intended.
Global Privacy Control (GPC): We recognize and honor browser-based Global Privacy Control (GPC) opt-out signals where required under applicable state laws.
7. California Privacy Rights (CCPA & CPRA)
If you are a California resident, the California Consumer Privacy Act of 2018 (CCPA) as amended by the California Privacy Rights Act of 2020 (CPRA) grants you specific rights regarding your personal information:
Your Rights Under the CCPA/CPRA:
- Right to Know & Access: You have the right to request that we disclose the categories of personal information we have collected, the categories of sources, the business purpose for collecting or sharing, and the specific pieces of personal information collected about you over the past 12 months.
- Right to Delete: You have the right to request the deletion of personal information we have collected from you, subject to statutory legal and regulatory exceptions.
- Right to Correct: You have the right to request correction of inaccurate personal information we maintain about you.
- Right to Opt-Out of Sale or Sharing: You have the right to direct us not to sell or share your personal information for cross-context behavioral advertising.
- Right to Limit Sensitive Data: We do not collect or process sensitive personal information for the purpose of inferring characteristics about consumers.
- Right to Non-Discrimination: We will never deny services, charge different rates, or provide a different level of quality because you exercised your California privacy rights.
How California Consumers Can Submit Requests:
To exercise your CCPA/CPRA rights, submit a verifiable consumer request by emailing [email protected] with the subject line "California Privacy Request" or by writing to our physical address listed in Section 14.
We will confirm receipt within 10 business days and respond within 45 calendar days. We will verify your identity by matching data points you provide with records in our systems. You may also designate an authorized agent to submit requests on your behalf with written authorization.
8. Other State Consumer Privacy Rights
Residents of Colorado (CPA), Connecticut (CTDPA), Virginia (VCDPA), Utah (UCPA), Texas (TDPSA), Oregon, Montana, and other states with comprehensive consumer privacy statutes enjoy similar rights regarding access, deletion, correction, and opt-outs of profiling. To exercise your rights under your state's privacy framework, please email [email protected].
9. Data Retention Schedule
We retain personal information only for the period necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by statutory lending record-keeping rules, tax regulations, anti-fraud compliance, or dispute resolution requirements:
- Inquiry & Referral Records: Retained for up to 3 years to comply with statutory state consumer lending disclosure audits and record-keeping mandates.
- Customer Support Correspondence: Retained for 2 years following resolution of the support ticket.
- Website Technical Logs & Security Telemetry: Retained for 90 to 180 days before automated deletion or irreversible pseudonymization.
10. Information Security & Encryption
We implement robust physical, administrative, and technological security controls designed to protect personal information against unauthorized access, destruction, loss, alteration, or disclosure:
- 256-Bit TLS Encryption: All data transmitted between your browser and our servers is protected using Transport Layer Security (TLS 1.3/1.2) with 256-bit cryptographic keys.
- Network Segmentation & Firewalls: Web application firewalls, intrusion detection systems, and strict principle-of-least-privilege access controls protect internal databases.
- Regular Vulnerability Scans: Continuous automated vulnerability assessments and third-party security audits.
11. Children's Privacy (COPPA Compliance)
BillsHappen is strictly intended for adult consumers aged 18 and older. We do not knowingly solicit, collect, or maintain personal information from individuals under the age of 18 (or under 13 under the Children's Online Privacy Protection Act). If we learn that we have inadvertently received personal data from a child under 18, we will immediately delete that information from our active records.
12. External Links & Third-Party Lenders
Our website contains links to external websites, including participating lenders, financial institutions, and government consumer resources (such as the CFPB). When you click an external link or are redirected to a lender's application page, you leave BillsHappen. We are not responsible for the privacy practices, terms of service, or content of third-party platforms. We encourage you to review the privacy policy of any third-party website you visit.
13. Policy Updates & Material Changes
We reserve the right to modify this Privacy Policy at any time to reflect updates in our operational practices, technological enhancements, or legal obligations. When changes are made, we will update the "Last Updated" date at the top of this policy. For material changes that significantly affect how we treat your personal information, we will provide prominent notice on our website homepage prior to implementation.
14. Contact Us & Privacy Requests
If you have questions, comments, or wish to exercise your consumer privacy rights under applicable federal or state laws, please contact our dedicated Privacy & Compliance Team:
BillsHappen Privacy Office
Email: [email protected]
Support & Consumer Inquiries: [email protected]
Response Time: We acknowledge consumer inquiries within 10 business days and fulfill verified statutory requests within 45 calendar days.