HappyDog is a registered DBA of Go Rascal Inc., a licensed mortgage broker. Loans are arranged through third-party lenders. All loans are subject to underwriting approval, terms and conditions may apply, and programs are subject to change without notice.

We are an Equal Housing Opportunity mortgage broker. We do not discriminate based on race, color, religion, nation origin, sex, familial status, or disability.

This is intended for consumers in Arizona, California, Colorado, Illinois, Oregon, and Texas only. Go Rascal Inc. does not conduct business as HappyDog in any states not listed.

HappyDog (“we,” “us,” or “our”) operates the website californiaemployeeloans.com (the “Site”). We are committed to protecting the privacy and security of the personal information you share with us. This Privacy Policy explains what information we collect, why we collect it, how we use and protect it, and the rights you have regarding your information.

By using our Site or submitting a loan inquiry, you agree to the practices described in this Privacy Policy. Please read it carefully before providing any personal information.

1. Information We Collect

We collect information that you provide directly, information collected automatically when you visit our Site, and information from third parties as permitted by law.

Information You Provide Directly

• Full name, home address, email address, and phone number
• Employment information including employer name, job title, length of employment, and income details
• Government-issued identification number (e.g., Social Security Number) for identity verification and credit purposes
• Bank account and financial account information needed to process loans and payments
• Loan amount requested and purpose of the loan
• Any other information you voluntarily provide in application forms or correspondence

Information Collected Automatically

• IP address and general geographic location
• Browser type, operating system, and device identifiers
• Pages visited, time spent on pages, and referring URLs
• Cookie identifiers and similar tracking technologies

Information from Third Parties

• Credit history and scores from consumer reporting agencies
• Employment and income verification from third-party verification services
• Identity verification data from fraud prevention partners

2. How We Use Your Information

We use the information we collect for the following purposes:

• To evaluate and process your loan application and determine eligibility
• To verify your identity and employment status
• To communicate with you about the status of your application, account, or inquiries
• To disburse approved loan funds and process repayments
• To comply with applicable federal, state, and local laws and regulations
• To detect, investigate, and prevent fraud and other unlawful activity
• To improve our Site, products, and services
• To send you administrative communications and, with your consent, marketing materials

LEGAL BASIS  We process your personal information as necessary to fulfill our contract with you (your loan agreement), to comply with our legal obligations, to protect our legitimate business interests, and with your consent where required by law.

3. Sharing of Information

We do not sell your personal information. We may share your information with the following categories of recipients:

• Service Providers: Third parties who perform services on our behalf, such as payment processors, identity verification providers, credit bureaus, and cloud hosting providers, subject to confidentiality obligations.
• Credit Reporting Agencies: We may report your loan account and payment history to one or more credit bureaus as permitted by law.
• Legal and Regulatory Authorities: When required by law, subpoena, court order, or government regulation, or to protect the rights, property, or safety of California Employee Loans, our users, or the public.
• Business Transfers: In connection with a merger, acquisition, financing, or sale of all or a portion of our business, subject to the acquirer honoring the terms of this Privacy Policy.
• With Your Consent: We may share your information with other third parties when you give us explicit permission to do so.

4. Data Security

We take the security of your personal and financial information seriously. We employ a variety of technical, administrative, and physical safeguards designed to protect your information from unauthorized access, use, disclosure, alteration, or destruction, including:

• Encryption of data in transit using TLS/SSL technology
• Encryption of sensitive data at rest
• Access controls that limit employee access to personal data on a need-to-know basis
• Regular security assessments and monitoring of our systems
• Employee training on privacy and data security practices

No method of data transmission or storage is 100% secure. While we strive to protect your personal information using commercially reasonable means, we cannot guarantee its absolute security. In the event of a data breach that affects your rights or freedoms, we will notify you as required by applicable law.

5. California Privacy Rights (CCPA/CPRA)

As a California business serving California employees, we comply fully with the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA). California residents have the following rights:

• Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you, the sources of that information, our business or commercial purpose for collecting it, and the categories of third parties with whom we share it.
• Right to Delete: You may request that we delete personal information we have collected about you, subject to certain exceptions (e.g., information needed to complete a transaction, comply with a legal obligation, or detect fraud).
• Right to Correct: You may request that we correct inaccurate personal information we hold about you.
• Right to Opt Out of Sale/Sharing: We do not sell your personal information. If this practice ever changes, we will update this Policy and provide a clear opt-out mechanism.
• Right to Limit Sensitive Data Use: You may request that we limit the use of your sensitive personal information to purposes necessary to provide our services.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.

How To Exercise Your Rights

To submit a rights request, contact us by email at celpteam@happydog.com or by mail at the address listed below. We will respond within 45 days as required by law. We may need to verify your identity before processing your request.

You may also designate an authorized agent to make requests on your behalf by providing written authorization or a power of attorney, along with verification of your identity.

6. Cookies & Tracking Technologies

Our Site uses cookies and similar tracking technologies to operate the Site, remember your preferences, and analyze usage. The types of cookies we use include:

• Strictly Necessary Cookies: Required for the Site to function, such as session management and security tokens. These cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our Site (e.g., Google Analytics). We use this data in aggregate form to improve the Site.
• Functional Cookies: Remember your preferences to provide a more personalized experience.

You can control cookies through your browser settings. Disabling certain cookies may affect Site functionality. We honor browser “Do Not Track” signals to the extent technically feasible.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy any legal, accounting, or reporting obligations. For loan applicants and borrowers, we typically retain records for a minimum of seven (7) years after the termination of the loan relationship, in accordance with applicable financial recordkeeping regulations.

When personal information is no longer needed, we securely delete or anonymize it in accordance with our data retention schedule.

8. Children’s Privacy

Our Site and services are intended solely for individuals who are 18 years of age or older. We do not knowingly collect, solicit, or use personal information from individuals under the age of 18. If we learn that we have inadvertently collected personal information from a minor, we will promptly delete it. If you believe we may have collected information from a minor, please contact us immediately at celpteam@happydog.com.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the “Last Updated” date at the top of this page and, where required by law, notify you directly via email or a prominent notice on our Site.

We encourage you to review this Privacy Policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the updated Policy.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out to our Privacy team:

Email: celpteam@happydog.com

Mail:  Privacy Officer, California Employee Loans
300 Salem Street, Chico, CA 95928