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Privacy Policy

Updated 11/22/2009

MYcashdirect.com respects the privacy of our consumer users and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. As an individual who is a user of our website, or otherwise as a user of the services provided by MYcashdirect.com, this Privacy Policy is intended to describe for you:

• The information we collect about you,
• how that information may be used,
• with whom it may be shared,
• how you may access the information you provide us,
• and your choices about such uses and disclosures.

We encourage you to read this Privacy Policy carefully when using our websites or services or transacting business with us. By using our websites, you are accepting the practices described in this Privacy Policy.

If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

Information We Collect About You

In General. we may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you. When you provide personal information through our websites, the information may be sent to MYcashdirect.com servers located in the United States and other countries around the world.

• Information you provide. We may collect and store any personal information you enter on our websites or provide to us in some other manner. This includes identifying information (such as your name, home or mailing address, e-mail address, and telephone number), information about your home or prospective home, your financial information (such as your income, assets, or debts), your Social Security number, and personal information (such as your gender and age).
• Information from other sources. We may also periodically obtain both personal and non-personal information about you from other affiliated businesses, business partners, contractors and other third parties. Examples of information that we may receive include credit reports and additional demographic information. However, MYcashdirect.com does not pull a credit bureau report on loan customers without express permission (which California residents are expressly providing when you complete a loan application for a loan with MYcashdirect.com).
• Information about others. We may also collect and store personal information that you provide to us about other people (such as co-applicants), including their name, address, phone number, Social Security number, financial information, or other personal information. Use of cookies and other technologies to collect information. We use various technologies to collect information from your computer and about your activities on our site.
• Information collected automatically. We automatically collect information from your browser when you visit our websites. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us (see "Cookies" below), and the referring website address.
• Cookies. When you visit our websites, we may assign your computer one or more cookies, to facilitate access to our websites, to personalize your online experience, and to record information about your visit to our websites. Through the use of a cookie, we also may automatically collect information about your online activity on our websites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on our websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our websites.
• Other Technologies. We may use standard Internet technology, such as web beacons and other similar technologies, to track your use on our websites. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our website visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.
• Information collected by third-parties. We may allow third-parties, including our authorized service providers, affiliated companies, advertising companies, and ad networks, to display advertisements on our site. MYcashdirect.com and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and connect to the MYcashdirect.com websites. Our websites do not provide any personal information to these third parties based on your viewing of interaction with the advertisements. This information allows MYcashdirect.com and these companies to deliver targeted advertisements and gauge their effectiveness.

How We Use The Information We Collect

In general. We may use information that we collect about you to:

• deliver the products and services that you have requested;
• manage your customer relationship and provide you with customer support;
• perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others;
• communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, other MYcashdirect.com affiliates or other third parties;
• develop and display content and advertising tailored to your interests on our site and other websites;
• verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes;
• enforce our terms and conditions;
• manage our business and
• perform functions as otherwise described to you at the time of collection.

Financial information. We may use financial information to match you with lenders or to provide loan offers to you, to verify your identify, to protect against or identify possible fraudulent transactions, otherwise as needed to manage our business, and, if you request a loan through MYcashdirect.com, to determine your eligibility for a loan, and provide for distribution of loan proceeds and collection of payments to us.

With Whom We Share Your Information

We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our websites or while using our services.

Personal information. We do not share your personal information with others except as indicated below or when we inform you and give you an opportunity to opt out of having your personal information shared. We may share all types of personal information with:

• Authorized service providers: We may share your personal information with our authorized service providers that perform certain services on our behalf in connection with your request for a loan. These service providers may include lenders and other financial services providers, credit bureaus, marketing and customer services firms, credit card payment processors, as well as companies that support contests, sweepstakes, surveys, or other features offered through our websites, or that provide business analysis or website support. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purposes. The use of your personal information by LCM and any lenders or other financial services providers to which it transmits such personal information will be governed by the privacy policy of the recipient of such personal information.
• Business partners: When you express interest in promotions offered through our websites or our services, we may share your expression of interest with the businesses with which we partner to offer you those products, services, promotions, contests and/or sweepstakes. When you elect to engage in a particular offer or program, you authorize us to provide your e-mail address and other information to that business
• Other lenders or investors. If you submit a completed Loan Request, we may share your personal information with lead providers who may also share the information with lenders on its network with whom you are or may be matched, or if you are a California resident matched with MYcashdirect.com as your lender, third party investors to whom we intend to transfer your loan after closing. No credit check will be performed by MYcashdirect.com unless you authorize us to do so by submitting a completed MYcashdirect.com loan application (only available to California residents). Because the lenders on the LCM network may retain or use your personal information whether or not you qualify for, or obtain, a loan from them, you should contact these lenders directly concerning their privacy and information sharing practices.
• Special notice to California residents: MYcashdirect.com will not share any personal information about you to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law.
• Other Situations. We also may disclose your information:
• In response to a subpoena or similar investigative demand, a court order, or a request for cooperation from law enforcement or other government agencies; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
• When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our website terms and conditions or other agreements or policies.
• In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy.

Children's privacy

Our websites are directed and intended only for individuals 18 years of age or older. We do not knowingly collect personal information from children under the age of 18.

Visiting our websites from outside the United States

This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.