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Financial Privacy Notice

By accessing this website or its content, you agree to the following Terms of Use. Lending Finance and its affiliates reserve the right to change these Terms of Use at any time, and your continued use of this website constitutes acceptance of those changes. As these Terms are subject to change, you should visit this page periodically to review the Terms of Use.

Additionally, you may choose to use our automated chat functionality to answer questions about our services. Please note that this is an automated program, and a real person may not be responding to your messages. By using this feature, you agree that we may share the contents of these messages with the third-party service provider that enables us to offer this service.

This Financial Privacy Notice is revised as of June 22, 2026.

FACTS

WHAT DOES HAPPEN BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:
• Social Security number and income
• Account balances and transaction history
• Credit scores and employment
information

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Happen Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Happen Bank share?

Can you limit this sharing?

For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes - to offer our products and services to you

Yes

No

For our affiliates' everyday business purposes - information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes - information about your creditworthiness

Yes

No

For our affiliates to market to you

Yes

No

For nonaffiliates to market to you

No

We don't share

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