Zingo Cash

PRIVACY POLICY

This policy replaces any privacy policy previously delivered to you or appearing on our website, any transaction agreement, application, loan document or any other document previously delivered to you. If there are conflicts between this Policy and any other policy we have delivered to you, the terms of this Policy shall control until revised.

Zingo Cash Illinois, LLC (“Zingo Cash”) is serious about protecting your privacy. This notice is provided to you on behalf of Zingo Cash and its parent company, Zingo Financial, LLC, and their respective family of companies, including all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “Zingo Cash Related Companies,” “we,” “our,” or “us”). “You” or “Your” means you as a participant in or as a user of the products and/or services offered by a Zingo Cash Related Company.

All information transmitted, printed or otherwise submitted to us shall be deemed to be our property and we shall be free to use such information for any lawful purpose described herein, and for other purposes as required or permitted by law.

Please read this notice carefully.This notice provides important information about the way we collect, share, and protect your information. This privacy policy applies to anyone who applies for a loan, uses our services, or visits our website(s), whether or not a customer. We must notify you about our sharing practices when you establish a customer relationship and each year while you are a customer. A customer relationship begins when you obtain a loan from us. A customer relationship terminates when you pay off your loan in full.

Information We Collect

We collect personally identifiable information, including non-public personal information, as well as other types of personally identifiable information from you and from other sources as described herein (collectively, “Your Information”). Our primary goal in collecting Your Information is to provide you with an efficient loan approval process and financial products and services which suit your needs. Your Information also helps us personalize and improve your customer experience with us. We collect and/or track the following types of information:

• Information we receive from you on applications or other forms you submit to us, such as transaction documents, sales documents, online forms, e-mails, registration forms, surveys, or other documents or submissions related to the products and services we provide, including your name, address, telephone number, social security number, driver’s license number, email address, employment information, demographic information, bank account information, and information about your assets, debts and income;

• Information about your transactions with us, our affiliates, or others, such as your account history, transaction balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us;

• Information we receive from third parties, such as consumer reporting agencies and other lenders, regarding your credit worthiness, credit history, bank account ownership and to verify your identity;

• Information we obtain to verify representations made by you, such as your employment history or income;

• Information obtained from specialized marketing information firms, such as household demographics;

• Information relating to the pages viewed by you on our websites;

• Information obtained from Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);

• Information, user specific or aggregate, we receive from our web pages recording visitor’s access;

• Information you provide when you contact our customer service department;

• Information relating to your activities on our website(s), such page views and advertisements andlinks you click on; and

• Information you provide to us when you communicate with us via email.

How We Use Your Information

We use Your Information to:

• Provide you with loans, products and services you request;

• Evaluate your creditworthiness;

• Offer you additional products or services from us that may be of interest to you;

• Comply with all reporting and other legal requirements;

• Enhance your experience at our website(s);

• Process payments and update account records;

• Analyze customer demographics, payment histories, and preferences;

• Conduct statistical analyses on the performance of our website(s) andmarketing programs; and

• Provide our advertisers with information relating to the effectivemness of their advertising on our website(s), such as page views and click thorugh rates.

Sharing Your Information

Except as provided herein or as may be required by law, the Zingo Cash Related Company delivering this Privacy Policy to you (the “Zingo Cash Provider”) will not, without your consent, share or sell Your Information  with or to any third parties, except we reserve the right to share information aggregate basis which cannot be personnally identified with you.  Your Information may be shared with other Zingo Cash Related Companies (collectively, its “Affiliated Companies”) in order to provide you with the loans, products and services you request and to notify you of other products and services we offer which we believe you may be interested in.  We may also share Your Information in connection with with enforcing the terms of this Agreement and may share Your Information with any actual or potential transferee of this Agreement and the loan evidenced hereby.

The Zingo Cash may also disclose Your Information to Affiliated Companies and third parties that provide services to us (“Service Providers”). We contract with Service Providers to perform certain functions on our behalf. Examples include web developers, database managers, database providers who assist in identity verification, credit scoring companies, marketing service providers, collection services, among others. Their access is limited only to the personal data needed to perform their functions, and only for the purpose of performing those functions, and they are prohibited from using or disclosing Your Information for other purposes.

We also may release Your Information if it becomes necessary for compliance with the law or to protect the rights, property, or safety of our websites, our users, or third parties. We reserve the right to release such personal data to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law. In addition, we reserve the right to use and disclose Your Information that is not in individually identifiable form as we deem appropriate in our sole discretion.

Notice of Furnishing Negative Information

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

Automatic Information and Cookies

We may receive and store certain types of information whenever you interact with our websites. For example, like many websites, we use “cookies” to obtain certain types of information when your web browser accesses our websites and when you login, such as: your name and your email address. Cookies are pieces of information that are transferred to your computer’s hard drive via your web browser. They allow us to provide you with a more convenient and personalized service by recording information about your preferences and identifies you to us when access our websites.

A web browser is usually set to accept cookies automatically, but can be changed to decline them. The Help section of the toolbar on most web browsers will tell you how to prevent your browser from accepting new cookies, how to have the web browser notify you when you receive a new cookie or how to disable cookies altogether. In most cases, a visitor may refuse a cookie and still fully navigate our websites.

Links to Non-Zingo Cash Sites

Our website may be linked to other websites of which we cannot control content. We are not responsible for information collection activities of the non-Zingo Cash Related Company links you click to from our web pages. For example, we cannot guarantee how these third parties use cookies. To protect your security and privacy online always review the privacy policies of each linked website you visit prior to providing any personally identifiable information.

Online Advertisement at Other Sites

Ads and ad banners are used often on websites. Online advertisements at other sites allow the advertiser to gather information from a visitor clicking on the ad. The information is gathered via "tags". These tags tell advertisers how many people respond to their ads and are used to measure the effectiveness of the ads. We may use identifying tags to report ad response statistics.

Your Right to Limit the Sharing of Your Information

In some circumstances, you have the right to withdraw your consent to the sharing of Your Information with non-affiliated third parties (i.e. “Opt-Out”); whereafter we will no long share Your Information with non-affiliated third parties who are not our Service Providers. Please note that even if you Opt-Out, the Zingo Cash  may still share Your Information with other Zingo Cash Related Companies and our Service Providers in accordance with this Privacy Policy or as permitted or required by law. Also, Zingo Cash may share information it collects regarding its transactions and experiences with you with credit reporting agencies. Zingo Cash may also share all information it collects about you with its Service Providers in order to (i) facilitate providing our services to you, (ii) administer our business, (iii) facilitate the payments on your loan, and (iv) as otherwise permitted or required by law.

We are delivering this notice to you on behalf of the Zingo Cash Related Companies.  Federal law gives you the right to limit some, but not all, marketing from the Zingo Cash Related Companies.

Opt-Out Information and Notice

To limit the our sharing of Your Information with non-affiliated third parties, as described above, contact us:

• On the web: www.zingocash.com, or

• By email: customer.service@zingocash.com.

You may Opt-Out at any time by contacting us. Once we receive your Opt-Out request, we will stop sharing this information as soon as reasonably practicable. Your Opt-Out request will remain in effect until you notify us otherwise in writing.

How We Protect Your Information

We restrict access to Your Information to those employees and Service Providers who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard Your Information.

Our Right to Contact You

We reserve the right to contact you regarding your account status, our privacy policy, or any other policies or agreements relevant to you. By visiting our websites, you understand and agree that we may contact you at the phone number or email address you provide to us through our websites or on your transaction agreements, applications, loan documents or any other document to assist you with your product or to discuss other products and services that a Zingo Cash Related Company may provide for you.

We Do Not Collect Data from Children

The information and services provided by us or by our affiliates, sponsors, and advertisers, are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly collected or used for any purpose whatsoever, including marketing and promotional purposes, either inside or outside the Zingo Cash Related Companies.

Our Right to Change This Policy

We reserve the right to change this policy at any time by posting the new or revised Privacay Policy on this website or, if we then have an ongoing custome relationship with you, either by providing you a new or revised copy of the Privacy Policy, or notifying you of the existence and location of the new or revised Privacy Policy.