PRIVACY NOTICE FOR CALIFORNIA RESIDENTS

Last updated: February 2020

This Privacy Notice for California Residents supplements the information contained in the Privacy Statement of BILL SMASHER and its subsidiaries (“Bill Smasher,” “we,” “us,” or “our”) and solely to individuals that reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

INFORMATION COLLECTED

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). Personal information does not include:

  • Publicly available information form government records.
  • Deidentified or aggregated consumer information.
  • Information excluded from the CCPA’s scope, like:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach Bliley Act (“GLBA”) or California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994.

In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

Category Examples Collected
A. Identifiers. A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. YES
C. Protected classification characteristics under California or federal law. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). YES
D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. YES
E. Biometric information. Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. NO
F. Internet or other similar network activity. Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. YES
G. Geolocation data. Physical location or movements. YES
H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. NO
I. Professional or employment-related information. Current or past job history or performance evaluations. YES
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. NO
K. Inferences drawn from other personal information. Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. NO

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from you or your authorized agents. For example, from forms you complete on your application or through information you provide us during the life of your loan.
  • Indirectly from you. For example, from observing your actions on our website.
  • From third-parties that interact with us in connection with the origination or servicing of your loan. For example, from credit bureaus, affiliates, or other companies.
USE OF PERSONAL INFORMATION

We may use or disclose the personal information we collect for one or more of the following purposes:

  • To fulfill or meet the reason you provided the information.
    • For example, if you share your name and contact information to request a loan or ask a question about our products or services, we will use that personal information to respond to your application or inquiry. We may also save your information to facilitate new products for you.
  • To create, maintain, customize, secure, administer, operate, facilitate, and manage your relationship and/or account with Bill Smasher
    • This may include sharing such information internally as well as disclosing it to our third-party service providers.
  • To evaluate your eligibility for products provided by or through Bill Smasher.
  • To perform services on behalf of a CCPA covered business or its service provider, such as customer service, payment processing, financing, advertising, marketing, or analytic services.
  • To provide support, personalize, and develop our Website, products, and services.
  • To process any of your requests, transactions, and payments and to prevent transactional fraud.
  • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
  • To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).
  • To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
  • For testing research, analysis, and product development, including to develop and improve our Website, products, and services.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as going concern or as part of bankruptcy, liquidation, or similar proceeding in which personal information held by us about our consumers is among the assets transferred.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

INFORMATION WE SHARE

We may disclose your personal information to a third party for a business purpose or sell your personal information, subject to your right to opt-out of those sales. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We share your personal information with the following categories of third parties:

  • Service Providers
  • Affiliates
  • Partners
  • Parent or subsidiary organizations
  • Internet cookie data recipients, like Google Analytics

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

  • Category A: Identifiers.
  • Category B: Personal information categories listed in the California
  • Customer Records statute (Cal. Civ. § 1798.80(e)).
  • Category C: Protected classification characteristics under California or federal law.
  • Category D: Commercial Information.
  • Category F: Internet or other similar network activity.
  • Category G: Geolocation Data
  • Category I: Professional or employment-related information.

In the preceeding twelve (12) months, we have sold the following categories of personal information:

  • Category A: Identifiers
  • Category B: Personal information categories listed in California Customer Records statutes (Cal. Civ. § 1798.80(e)).
YOUR RIGHTS AND CHOICES

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights.

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • Our business or commercial purpose for collecting or selling that personal information.
  • The categories of third parties with whom we share that personal information.
  • The specific pieces of personal information we collected about you.
  • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
  • sales, identifying the personal information categories that each category of recipient purchased; and
  • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

We may deny your request for access if we are unable to verify your identity or have reason to believe that the request is fraudulent.

DELETION REQUEST RIGHTS

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

  • Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided by law.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

We may deny your request for access if we are unable to verify your identity or have reason to believe that the request is fraudulent.

EXERCISING ACCESS, DATA PORTABILITY, AND DELETION RIGHTS.

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information that relates to you.

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. To designate an authorized agent, you or the authorized agent must provide written permission that the agent is authorized to make the request. We will then verify the authorized agent’s own identity.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include:
  • For requests involving non-sensitive information with a low risk of harm, we require you to provide information matching at least two data points of information that we hold. We will then determine that the information matched is reliable for verification purposes.
  • For requests involving sensitive information with a high risk of harm, we require you to provide three pieces of personal information that matches the information that we hold. We will then determine that the information matched is reliable for verification purposes. Further, we require a signed declaration under penalty of perjury from you stating that you are whose personal information is the subject of the request. We will then retain the signed declaration as part of our recordkeeping obligations under the CCPA.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

RESPONSE TIMING AND FORMAT

We endeavor to respond to a verifiable consumer request within ninety (90) days of its receipt. If we require more time, we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically we will provide your response in machine readable format.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

PERSONAL INFORMATION SALES OPT-OUT AND OPT-IN RIGHTS.

You have the right to direct us to not sell your personal information at any time (the “right to opt-out”).

Consumer who opt-in to personal information sales may opt-out of future sales at any time.

To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by: emailing us via [email protected]

Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt bank into personal information sales at any time by:

Emailing us via [email protected]

You do not need to create an account with us to exercise your opt-out rights. We will use personal information provided in an opt-out request to review and comply with the request.

NON-DISCRIMINATION

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
CHANGES TO OUR PRIVACY NOTICE

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post updated notice on our Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

CONTACT INFORMATION

If you have any questions or comments about this notice, the ways in which we collect and use your information described here, your choices and rights regarding such use, or wish to exercise your rights under California law, please do no hesitate to contact us at:

Website: billsmasher.com

Email: [email protected]

Effective Date: January 1, 2020

Last Reviewed On: January 1, 2020

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*THE OPERATOR OF THIS WEB SITE IS NOT A LENDER. This web site does not constitute an offer or solicitation to lend. The operator of this web site will share the information you provide with participating partners who may or may not lend or issue credit. Providing your information on this web site does not guarantee that you will be accepted by a lender, approved for a loan or presented with any particular set of terms or specific loan offer. The operator of this Web Site is not a representative or broker of any lender and does not endorse or charge you for any service or product. If you are accepted by a lender and approved for credit, you will be shown the terms, rates, annual percentage rate (APR) and fees associated with any loan you may be offered by that lender. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who apply for credit will be chosen by a lender or approved for credit. If you are not chosen by a lender in the Operator’s participating lender network, your information may be offered to participating third party generators for consideration. Not all lenders can provide up to $2,500 and not all lenders offer direct deposit. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances, additional tasks and information may be required by the lender and may require subsequent phone calls, emails and/or faxing as a method of communication. This service is not available in all states, and the states serviced by this web site may change from time to time and without notice. For details, questions or concerns regarding your loan, please contact your lender directly.

The loans that may be offered by lenders are expensive forms of credit and are intended to provide you with short term financing to solve immediate cash needs. They should not be considered a long term solution.

By entering this website or sharing your information, you are choosing to offer data to Bill Smasher. You may contact us at [email protected]

Any information you submit will be treated in accordance with Bill Smasher Terms of Use and Privacy Policy. You may also see specific CCPA Policy.

By submitting your loan request, you are providing express written consent under the Fair Credit Reporting Act for each lender to whom we transmit your information to obtain, in response to your inquiry, a credit check or consumer report from one or more consumer reporting agencies. This credit check can result in a hard pull, which may impact your credit score.

**Credit checks, consumer credit reports and other personal data may be obtained by some lenders from Experian, Equifax, Trans Union or through alternative providers.