Privacy Policy

Last updated: February 2020

This Privacy Policy (“Policy”) describes how BILL SMASHER (“BILL SMASHER”) we will collect, access, use or disclose your personal information. It applies to all of our services and web sites that are operated by Us (“Services”). If a Service is covered by a different privacy policy and there is a conflict between that policy and this Policy, the specific policy will govern. Bill Smasher’s collection, access, use, disclosure and safeguarding of your personal information is subject to U.S. federal law.

INFORMATION COLLECTED

We collect personal information about you in various ways. Personal information does not include information that is not used to identify you, including aggregate or anonymous information.

Information you give us. The personal information we collect includes information you give us, such as name, postal address, telephone number, e-mail address, date of birth, social security number or other government identification number, demographics, financial information and personal preferences. You may give us information in a variety of ways, including when you submit your information using one of our application forms, and when you use a website owned or operated by Bill Smasher.
Information from other sources. We may collect personal information from other sources, including entities that are affiliated with us by common ownership, and may combine it with information we collect about you.
Information that we automatically collect. We may use systems or tools to follow your visits to our websites, or when you submit information using an application form or other applications, including using cookies, web beacons and other mechanisms. For example, we allow collection of site click-stream and cookie data to help us track aggregate and individual use. We sometimes use cookies to enable features. We may gather cookies, web beacons, tokens and other data or technology for the purposes of identifying risk and fraud. By using this website, you consent to the use of these and other technologies for prevention of fraud and risk identification. If advertisers or advertising networks serve ads on our sites, these entities may also use their own mechanisms, including cookies. These third-party cookies or tools are governed by the privacy policies of the entities placing the ads and are not subject to this Policy.

USE OF PERSONAL INFORMATION

We use your personal information for a variety of purposes to do things like:

Protect our rights and property and those of our customers.
Respond to legal process and emergencies.
Develop or inform you of new products and services offered by our affiliates and partners.
Anonymize or aggregate personal information for various purposes like market analysis and reporting.
Monitor, evaluate or improve our Services or systems, or marketing strategies.
Customize or personalize your experience with our Services.
Customize or personalize online advertising to bring you information about products and services of our affiliated entities, partners or others that may interest you, including co-branded offers.

INFORMATION WE SHARE

Affiliates. We may share personal and non-personal information with affiliated entities for approved business purposes.
Service Providers. We may share personal information with third parties who perform services on our behalf.
Other Third Parties with Your Consent. We may share information with other third parties with your consent. For example, you may agree to our sharing your information with other third parties to hear about their products and services. Use of the information you agree to share will be subject to those third parties’ separate privacy policies.
Disclosures to Third Party Application and Service Providers. You may choose to use services and products offered by third parties through our Services. You may also choose to give personal information directly to third parties when using our Services. In each case, personal information you give a third party will be subject to its terms, conditions, and policies—not this policy. You should review a third party’s privacy policy and terms of service before providing your information or using the service.
Business Transfers. Personal information about you may be disclosed as part of any merger, acquisition, sale of company assets or transition of service to another provider. In the unlikely event of an insolvency, bankruptcy or receivership, personal information may also be transferred as a business asset.
Protection of Bill Smasher. We may access, monitor, use or disclose your personal information or communications to do things such as:
comply with the law or respond to lawful requests or legal process;
protect our rights or property as well as the rights and property of our agents and others including to enforce our agreements, policies and terms of use;
respond to emergencies; or
initiate, render, bill, and collect for services.
We may share information that is de-identified or in an aggregated form that does not directly identify you. We share de-identified or aggregate information for purposes such as to conduct market analysis and reporting to share with third parties.

You may see advertisements on a web sites or web sites offered or operated by us. These advertisements may be selected and delivered by third parties, such as ad networks, advertising agencies, advertisers, list management providers and other lead generators. These third parties may collect information about you and your online activities, either on the web site or on other websites, through cookies, web beacons, and other technologies in an effort to understand your interests and deliver to you advertisements that are tailored to your interests. Please remember that We do not have access to, or control over, the information these third parties may collect. The information practices of these third parties are not covered by this privacy policy.’

NETWORK AND INFORMATION SECURITY

We maintain a variety of physical, electronic, and procedural safeguards. These safeguards help protect your personal information from loss, misuse and unauthorized access, disclosure, alteration and destruction.

INFORMATION CHOICES AND CHANGES

You may register a do-not-contact request by emailing to [email protected]. If you register a do-not-contact request, we still may contact you for non-promotional purposes. If you disable cookies on your Internet browser, you also may stop some collection and use of data when you visit our web sites.

CHILDREN

Bill Smasher does not knowingly or intentionally market to children. You must be AT LEAST 18 years of age AND have legal capacity to subscribe to our services.

CONTACTING US

If you have any questions about or complaints that concern this Policy, please email us at [email protected]

UPDATING THIS POLICY

We may change this Policy at any time. When we change the Policy we will give notice by changing the date it was last updated or as required by law.

YOUR CALIFORNIA PRIVACY RIGHTS

Please see our specific CCPA Policy

To opt out of future communications from billsmasher.com click here.

*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.