Privacy

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Welcome to Happy Mango. Your privacy is important to us.

This Privacy Policy covers how we collect, use, disclose, transfer, and store information that we receive when you use our Services (as defined below), including those who access some of our website content but do not have accounts (“Visitors”) and those who have subscribed to the Service (“Members”). This Privacy Policy applies only to those websites, services, and applications included within our Services and does not apply to any third-party websites, services or applications, even if they are accessible through our Services. Also, please note that, unless otherwise stated in this Privacy Policy, words used in this Privacy Policy have the same meanings as in our Terms ofService.

By using the Services, you agree to this Privacy Policy and the processing of your data, including your personal information, in the manner provided in this Privacy Policy. If you do not agree to these terms, please do not use the Services.

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”).

This Privacy Policy (as amended from time to time, “Policy”) describes to you how and when Happy Mango Inc. (d/b/a Happy Mango or www.happymangocredit.com, and all subdomains) (“Happy Mango” “we,” “our,” or “us”) obtains, retains, discloses, transfers, disseminates, analyzes, and otherwise uses (“collect(s)”) information from you and others about you, and how we utilize or share such information. For example, we may collect such information when you use the Services through our website, our app, or another source, or when you contact us directly, such as by email, SMS (text messaging), or other form of contact or communication with us, or when third-parties provide us withinformation about you. Please note that, if you provide us with your telephone number, you agree to us sending you text notifications and understand that data usage rates may apply (to which you consent). By using the Services, you consent to us collecting your information as set forth in this Policy and in connection with the Services (as we provide them from time to time, which may differ at any time from the Services that we provide when you create, edit, or modify your account).

Information we collect from you

Basic account information

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.

Additional information that youprovide

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.

Information collected on behalf of partners to provide Services

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.

Automatically collected information

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):

  • Device Information: Information about your computer, mobile, or other device, including its model number, operating system and version, mobile carrier, telephone number, browser type and language, and any unique device identifiers, such as the devices’ MAC address orIMEI.
  • Location Information: With your consent, information about your location by using data from the device you use for the Services, such as precise location information from GPS enabled on your smartphone, information about wireless networks or cell towers near your device, or the Internet Protocol (IP) address of yourdevice(s).
  • Cookies and Other Tracking Technologies: We use cookies andsimilar technologies, such as web beacons, to collect additional Services usage data, such as to track how users engage with or otherwise use the Services. We may use both session cookies and persistent cookies to better understand how you interact with the Services, to monitor aggregate usage by users (and, perhaps, users of other service providers) and web traffic routing in connection with our Services. Most Internet browsers automatically accept cookies. Although you can change your web browser settings and instruct it to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit, some of the Services may not function properly if you disable cookies.
  • Usage: We analyze your use of the Services, such as the time, date, and location of your use, and the third-party financial institutions with which you connect through theServices.
  • Log Data: When you use and interact with the Services, we may receive and record information such as your IP address, browser type, operating system, browser history, location, mobile carrier, device information (including device and application IDs), search terms, and cookie information. We may also receive this informationwhen you click on, view or interact with links on our Services, including links to third-party websites or applications, or when you receive email notifications fromus.

Information we collect from you

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.

Third-Party applications that collectyour information through Happy Mango

Google Analytics

Happy Mango uses a tool called “Google Analytics” to collect information about use of this site. Google Analytics uses “cookies,” which are small text files placed on your computer to collect standard internet log information and behavior information in an anonymous form. These cookies could collect information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Happy Mango uses the information we get from Google Analytics only to improve this site, by sending cookie information to Google to process and compile statistical reports on website activity. Google Analytics collects only the IP address assigned to you on the date you visit this website or app. It does not collect your name or other identifying information. Happy Mango does not combine the information it gets through Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit the website or app, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on yourbrowser.

Plaid

We use Plaid, an API for banking data that allows us to integrate with the infrastructure of various banks. When using Plaid, you provide your account information directly toPlaid. The account information you enter does not go through Happy Mango’s server. In compliance with Plaid’s policies, we are providing a link to Plaid’s privacy policy: https://plaid.com/legal/#Privacy-Policy. As directedby Plaid, we state that each end user acknowledges and agrees that information will be treated in accordance with Plaid’s policy. You are notified and agree to Plaid’s policy prior to using our Services in a way that uses Plaid’s service. In addition, yougrant Plaid the right, power and authority to access and transmit the data on your behalf as reasonably necessary for Plaid to provide itsservices.

Dwolla

In order to use the payment functionality of our applicationas related to the disbursement and repayment of a loan, you must open a "Dwolla Platform" account provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. You authorize us to collect and share with our payments provider Dwolla, Inc. your personal information including full name, date of birth, social security number, physical address, email address and financial information, and you are responsible for the accuracy and completeness of that data.

What we do with the information that we collect

After we obtain information about you, here is what we do with it:

  • We do NOT sell, rent, or trade your personal information (such as your Financial Profile) with any other party (including third-party financial institutions) without your permission and consent or as otherwise required bylaw.
  • We may use your information to learn about your use of the Services so that we try to improve the features and functions of theServices.
  • We may contact you to send you periodic messages,updates,ornotifications regarding the Services or this Policy.
  • We may monitor and analyze trends and usage, and make inferences regarding the Services.
  • We may provide you with custom content within the interface of the Services, which may include something such as a summary of your financialprofile.
  • We may use your information to help prevent spam, fraud, or abuse by users of the Services.
  • We may use your information to provide to financial or research institutions with which we have a relationship certain aggregated data (that will not personally identify you) regarding our users’ use of the Services as such use pertains specifically to such financial institution to help it better manage its use of our Services.
  • We may use your information in a way that will not personally identify youto forecast trends, using algorithms or other methodologies, such as the success rate of certain Financial Profiles in obtaining loans or credit from the financial institutions with whom we connect you with.
 

See more by downloading our Privacy Policy