Happy Mango is an Internet-based website and mobile application (“app”) that, with your permission, aggregates financial information about you (interchangeably, with and without others, either separately or collectively, “you” or “user”) to generate a financial assessment about you (“Financial Profile”). Happy Mango, with your permission, then shares your Financial Profile and connects you with third-party financial institutions (all of the foregoing, the“Services”).
When you create or modify an account with us we may ask you to provide to us certain personally identifiable information (“PII”), such as your name (although pseudonyms are allowed), an email address, a password for your account, and we may also ask for your telephone number (separately or collectively, “Basic Account Information”). You may edit your Basic Account Information at any time.
In addition to Basic Account Information, we collect other information, depending on the specific needs and requirements for the services that we provide you. For example, you may upload certain documents, such as a pictureof a utility bill, for purposes ofapplying for a loan at one of the lenders on the Happy Mango platform. Also, if you contact us via email or contact us in any other way, we may collect the information that you send us or share with us in connection with such communication.
We collect additional personally identifiable information on behalf of our partners, for example we will ask for social security number when applying for a loan from a partner financial institution.
When you use the Services, we automatically collect some information, such as the following (some of which may be the same or similar to Basic Account Information or additional information that we previously collected):
We may collect information about you that we obtain from other third parties.For example, if you link your Happy Mango account by using the “add account” feature of the Services with one or more of your accounts with another service or financial institution (for example, Bank of America to link your checking account), we may receive information about you from that other service or institution. We may then combine any or all of this information with other information that we have collected from you or from other third parties. We may also collect information from financial institutions with which our Services are used or integrated (which such use or integration is with your permission), including tracking data concerning their use of the Services. We will not, however, retain your credit cardor your personal banking information.
After we obtain information about you, here is what we do with it: