NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

Privacy Policy

Your privacy is important to us! This Privacy Policy describes the information we collect about you and how we use that information. This Policy applies if you have applied for or received a loan or any other financial product or service from us. The Notice of Your Financial Privacy Rights is part of this Policy. By using this Website, you acknowledge and agree to the terms of this Policy.

Information We Collect About You

We collect “nonpublic personal information” about our customers. "Nonpublic personal information" is information about you that is not publicly available, and that we obtain in connection with providing a financial product or service to you.

We may collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on applications or other loan forms, such as your name, address, social security number, income, checking account information and employment information.
• Information you provide us through our website, including your name, email and telephone number, regardless of whether you apply for a loan.
• Information about your transactions with us, our affiliates, or others, such as your loan and payment history.
• Information we receive from a consumer-reporting agency.

We also collect and/or track the following information: Web page http headers, home server domain names, IP addresses, type of computer, type of Web browser, information from third-party Web analysis programs, information you provide us through applications, on-line forms, registration forms, surveys, and/or other entries, such as e-mail addresses, personal, financial, or demographic information, information on what pages our visitors access, and e-mail addresses of visitors that communicate with us via e-mail. Our website is not directed at children under the age of thirteen, nor do we knowingly collect or maintain information from children under the age of thirteen. You must be at least eighteen years of age to obtain a loan from us.

Our website is not directed at children under the age of thirteen, nor do we knowingly collect or maintain information from children under the age of thirteen. You must be at least eighteen years of age to obtain a loan from us.

How We Use Your Information

By using our Website, you give permission for us to use your information to gather from third-parties other information about you, such as your Social Security Number, where such information was incompletely or improperly filled out on our form(s). Such third-parties include but are not limited to, consumer reporting agencies and consumer credit bureaus. We may use any and all information that we gather from you and from such third-parties to check your credit history, credit record, and to evaluate your creditworthiness. If you choose to supply us with information, such as your Social Security Number, we may use that information to determine your financial standing. If you do not provide such information, we may also use other information that you provided for the purpose of verifying your eligibility for a loan or for any other programs, offer, or services. Upon qualification, your loan-specific financial information will be stored and utilized in accordance to the terms of our Privacy Policy.

We also use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to provide you information about our company and promotional material from us or our partners. We may also use your personal, demographic, and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails, text messages, postal mailings, and other means of communication regarding site updates, new products and services, and upcoming events.

When you give us your e-mail address, you are agreeing to receive messages from us on your wireless device. Receipt of such message on your wireless device may result in a charge from your wireless service provider. You may, at any time, revoke your consent to receive such messages by taking the steps described below and we will not send any more marketing or promotional messages to you upon our receipt of such revocation.

How We Share Your Information

We may share your nonpublic personal information as allowed or required by law. We may also disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may share your information with one or more unaffiliated companies who perform certain services for us and on our behalf. These services include, among others, data processing and management. These services allow us to contact you and provide you with information about our company and promotional materials that may be of interest to you. You give us your consent to share your information for these purposes. Except to the extent prohibited by law, we may continue to share information as described in this paragraph, even if you have “opted out,” as provided below.

Additionally, we may use or share the information we collect with affiliated companies in our corporate family. These are companies related by common ownership or control, and can be financial and nonfinancial companies. Our affiliates include companies doing business under the trade names “Loan Shack” or “Dollar Loan Center,” and financial companies such as DLC Empire Prepaid Card, LLC, and DLC Empire, LLC. We may share your information with our affiliates so that they can solicit and market products and services to you. However, you have the right to opt out of us sharing your information with our affiliates so that our affiliates can solicit and market products and services to you. You also have the right to opt out of us sharing information with our affiliates about your creditworthiness.

We may also share your nonpublic personal information with non-affiliated third parties. Non-affiliated third parties who may receive this information include mortgage and loan brokers, consumer lenders, small lenders, deferred presentment providers, check cashers, credit repair providers, supervised lenders, collection agencies, banks, credit and debit card providers, tax preparers, payroll service providers, insurance agencies, bill payment agencies, ATM providers, marketing service providers (e.g., lookup and reference services, data enhancement services, and suppression and validation marketers; e-mail marketers; and telemarketers), and financial service provider holding companies. You have the right to opt out of us sharing your information with non-affiliated third parties.

Your Opt Out Rights

If you would like to exercise your opt-out rights as described above, you may call us toll-free at 1-866-797-4225 or email us at customerservice@loanshack.com. In your email message, please include your name, address, account number (if applicable), type “Opt Out” in the subject line, and type any or all of the following statements, as applicable:

• Do not share information about my creditworthiness with your affiliates for their everyday business purposes
• Do not allow your affiliates to use my personal information to market to me.
• Do not share my personal information with nonaffiliates to market their products and services to me.

Note that even if you choose to exercise your right to opt out of certain disclosures as described above, we may still contact you for marketing and promotional purposes and may retain your nonpublic personal information as permitted by law. However, we will not share information covered by your opt-out request with our affiliates and non-affiliated third parties.

How We Protect Your Information

We restrict access to non-public personal information about you to those employees who need to know that information to provide goods or services to you. We retain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

Our Right To Contact You

Even if you exercise your opt out rights, as described above, by using this Website, you agree to be contacted by us, as permitted by law, through any of the following means of communication:

• Telephone;
• Text-message;
• E-mail;
• Postal mailing; or
• Any other means of communication.

We may contact you to present you with marketing information and promotions offered by us, even if your phone number or e-mail address is found on a Do-Not-Call registry or similar registry. Additionally, you agree that your use of this Website constitutes an “inquiry” or “application” that creates an established business relationship for purposes of the Amended Telemarketing Sales Rule (16 CFR Part 310), as amended from time to time.

Cookies

A cookie is an element of data that your Web browser can transfer to your computer’s hard drive to track your online activities, including the searches you conduct, the Web pages you visit, and the content you view, in an effort to deliver services and advertising targeted to your interests. There are pages on our Website that use cookies to track your online activities so that we can better serve you when you return to the Website. You agree to allow us to collect nonpublic personal information, including but not limited to financial information, through the use of cookies. Any information collected through the use of cookies is subject to the terms of this Privacy Policy.

Additional Security Precautions

You also have a significant role in protecting your information. No one can see or edit the nonpublic personal information you have shared with us on this Website without knowing your account information and password. If you use this Website, you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

State Laws

Some states impose special requirements that apply to residents of those states. If you are a resident of one of those states, we may be required to follow procedures that differ from those described elsewhere in this Policy.

• North Dakota Residents. Subject to certain exceptions allowed by law, we will not share information or records pertaining to your relationship with us unless we have obtained your prior written consent. We are Loan Shack of North Dakota, LLC, doing business as Loan Shack. Our address is 901 W. 10th Street, Sioux Falls, SD 57104.
• California Residents. Subject to certain exceptions allowed by law, we will not disclose to, or share your nonpublic personal information with, any nonaffiliated third party unless we have obtained your prior written consent, and we will not disclose to or share your nonpublic personal information with an affiliate unless we have notified you annually in writing that the nonpublic personal information may be disclosed to our affiliates and you have not opted-out of that disclosure.

Our Right To Change

We reserve the right to change this Privacy Policy at any time by providing you with a revised copy of the policy, notifying you of the existence and location of the revised policy, or by posting the changes online at our site.

Effective as of March 15, 2011.