Privacy and Security

2 min read

We take the privacy and security of our members, investors, and partners seriously. Here are some answers to frequently asked questions about Happen Bank’s privacy policies.

Where can I find Happen Bank’s privacy policy?

You can view our Privacy Policy or download a copy from our website.

Does Happen Bank share my personal information?

Our Privacy Policy provides information about our data-sharing practices, including reasons we can share your personal information, whether we share, and if you can limit sharing.

How do I opt out of marketing and promotional emails?

To opt out of marketing and promotional emails, click the unsubscribe link at the bottom of any email you receive from us. See our Privacy Policy for more details.

Does Happen Bank delete my personal information after my account is closed?

Consistent with state and federal laws, we retain account information, including applications and partial applications, for a period of time. All financial service companies must meet certain retention requirements. See our Privacy Policy for more details.

Does Happen Bank sell my personal information as defined by the California Consumer Privacy Act (CCPA)?

We don’t sell personal information as defined by the CCPA. See our Privacy Policy for more details.

How do I exercise my “right to know” or “right to delete” under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA)?

Our Privacy Policy has a section titled “Your California Privacy Rights.” This section provides details about your rights as a California consumer and how you can exercise them, as well as a link to our online privacy portal where you can submit a request form.

How does Happen Bank protect my personal and financial information?

We maintain a security program to keep your information safe. Our security measures comply with federal law and are designed to meet or exceed industry standards for financial institutions.

Is Happen Bank’s website secure and encrypted?

Every page of our website is secure and encrypted with Transport Layer Security (TLS)* to protect your personal and financial information over the internet. You'll see the HTTPS protocol with the corresponding lock icon in your internet browser’s address bar when you're on our site.

Where can I obtain a copy of Happen Bank’s work-related privacy disclosure for employees, contractors, and job applicants?

A link to our work-related privacy disclosure for employees, contracts, and job applicants is provided in our Privacy Policy.


* Sometimes referred to as Secure Sockets Layer (SSL)/TLS

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For Personal Loans, APR ranges from 5.96% to 35.99% including origination fee. Most origination fees range from 0% to 8% of the loan amount. Origination fee may be higher for applications submitted through or referred by select partners. APRs and origination fees are determined and disclosed at the time of application. The lowest APR and origination fee may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Origination fee may be referred to as processing fee for certain products. Advertised rates and origination fees are valid as of November 5, 2026, are subject to change without notice and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval. 

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108. 

“Happen” and the “H” symbol are trademarks of Happen Bank.

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