How we protect Your Privacy.
Effective Date: May 1, 2017
A notice will be posted in the Joy Application whenever this Privacy Statement or associated Privacy Notice is changed in a material way. The effective date at the top of this Privacy Statement or the associated Privacy Notice also will be updated.
1. What information of yours does the Joy application collect?
The goal of the Joy Application is to provide you with the means to register for and use the Joy Services, to provide you with information and resources that are most relevant and useful to consumers interested in the Joy Services, and to enhance and personalize your use of the Joy Services. To achieve these goals, the Joy Application needs to collect certain personal information. Personal information refers to information that tells us specifically who you are, such as your first and last name, postal address, email address, or mobile phone number. Your personal information may also include (i) the financial information necessary to effectively utilize the Joy Services, such as financial accounts and information, (ii) information regarding your personal preferences, such as related services you use, (iii) your specific demographic information, such as age and gender, (iv) information about your use of the products and services we offer, (v) nonpublic information that personally identifies you, (vi) information obtained from Joy Assessments or our website, (vii) information obtained from other sources, and (viii) any other identifier that permits us to contact you. Happy Money collects personal information when you register for and use the Joy Services or visit the Joy Application. Happy Money may also collect information from your correspondence with us or directly from you through various other forms and places throughout the Joy Application, including “Contact Us” forms, or when you otherwise interact with us.
If applying for a loan, opening an account, or utilizing any other service, financial or otherwise, through a link in the Joy Application, we may also collect credit reference information such as social security number, income, employment status, housing status, as well as any other information necessary for a lender to make a credit decision based on your request. This includes information from others, such as credit bureaus, business partners, affiliates, or other companies.
In addition to any personal information or other information that you provide us, we may use a variety of ways that automatically collect information about how you access and interact with the Joy Services and Joy Application. We may use the following ways to collect information:
In order to better serve you and offer you content and opportunities of financial products and services that may interest you, Happy Money may collect additional information from third parties. For example, Happy Money may collect information about you from social networking sites to better individualize your experience.