Privacy Policy

How we protect Your Privacy.



Effective Date: May 1, 2017

This Privacy Statement describes how we protect the information you provide to Happy Money, a Delaware corporation, and its affiliates, subsidiaries, successors, and assigns (collectively referred to as “Happy Money”), through our application, Joy (the “Joy Application”). Registration for the Joy services (“Joy Services”) is offered through the Joy Application, and is made available subject to, among other things, this Privacy Policy Statement (“Privacy Statement”). This Privacy Statement discloses the privacy practices of Happy Money. Happy Money reserves the right to change this Privacy Statement from time to time in its sole discretion. You are at all times responsible for reading and understanding any notices regarding this Privacy Statement and the current version of this document, as well as reading and understanding the current versions of all other Happy Money policies, procedures, and guidelines relating to the Joy Services and the Joy Application available to you.

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.

If you have questions or complaints regarding our privacy policy or practices, please contact us using the contact information provided below.

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.

All loans are issued by our lending partners. Our partners maintain their own Privacy Policies, which can be found on our Lending Partners page. Users that apply for a loan using the Joy Services are also subject to the Privacy Policy and disclosures of the bank or credit union that is funding the loan, disclosed in the loan application process. Happy Money is not responsible for the privacy practices of its lending partners and does not exercise control over its lending partners’ sites.

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:

Happy Money may use cookies to track your visits to its websites. A cookie will not allow a website to learn any personal information (such as your real name and address) that you have not otherwise disclosed. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. Please see the user guide or help section of your browser to make this change. A tracking pixel is typically a transparent graphic image that is placed on a site.
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.