Privacy Policy

1. Introduction

BillsHappen ("we," "us," or "our") operates as a financial inquiry matching service. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and submit a financial inquiry. Please read this policy carefully. By using our service, you consent to the practices described here.

2. Information We Collect

Information You Provide Directly

When you submit an inquiry through our website, we may collect:

• Full name (first and last)
• Email address
• Phone number
• State of residence
• Financing amount requested
• Any additional information you choose to provide

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and approximate geographic location
• Browser type and version
• Operating system
• Pages viewed, time on site, and referring URL
• Device identifiers

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. You may disable cookies through your browser settings, but some features of the site may not function properly as a result.

3. How We Use Your Information

We use the information we collect to:

• Connect you with independent lenders in our network based on your inquiry
• Communicate with you about your inquiry or our services
• Comply with legal obligations
• Improve and optimize our website and matching service
• Detect and prevent fraud or unauthorized activity
• Send service-related communications (not marketing without consent)

4. Sharing Your Information

We share your information with independent lenders in our network for the purpose of connecting you with potential financing options. By submitting an inquiry, you consent to this sharing. We may also share information with:

• Service providers: Companies that help us operate the website (e.g., hosting, analytics, email delivery)
• Legal authorities: When required by law, subpoena, or to protect our legal rights
• Business transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to data brokers or unauthorized third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures, including 256-bit SSL/TLS encryption for all data transmitted through our website. However, no method of transmission over the internet is 100% secure. We cannot guarantee the absolute security of your information but commit to handling it with appropriate care.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required by law. You may request deletion of your information at any time (see Your Rights below).

7. Your Rights (CCPA / CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: Request information about the categories and specific pieces of personal information we have collected about you.
• Right to Delete: Request deletion of your personal information, subject to certain exceptions.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out: Opt out of the sale or sharing of your personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise these rights, contact us at support@billshappend.com.

8. Children's Privacy

Our service is intended for adults aged 18 and older. We do not knowingly collect personal information from individuals under 18. If you believe we have inadvertently collected such information, please contact us immediately.

9. Third-Party Links

Our website may contain links to third-party websites, including lender websites. This Privacy Policy does not apply to those sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a new effective date. Your continued use of the service after changes constitutes acceptance.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us: