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.
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:
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:
We may use or disclose the personal information we collect for one or more of the following purposes:
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.
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:
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
In the preceeding twelve (12) months, we have sold the following categories of personal information:
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.
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:
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.
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:
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.
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
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:
We only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
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.
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.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
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.
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.