Privacy policy

How and Why We Obtain Personal Information

SpryPayday takes great care to protect your personal information and when we use it, we do so with respect for your privacy. We may use personal information about you to develop, offer, and deliver products and services; process transactions in your account; respond to inquiries from you or your representative; or to fulfill legal and regulatory requirements. SpryPayday may collect public and nonpublic personal information about you from any of the following sources:

• Applications or forms (for example, name, address, Social Security number, birth date, assets and income)
• Information services and consumer reporting agencies (for example, to verify your identity, to assess your creditworthiness or to better understand your product and service needs)
• Telecheck service in case payday loan company requests this
• Other sources with your consent
• Fax messages you send us

How We Protect Your Information

SpryPayday has always considered the protection of sensitive information. At SpryPayday we employ extensive physical, electronic and procedural controls and we regularly adapt these controls to respond to changing requirements and advances in technology.

Within SpryPayday and among our service providers, we restrict access to personal information to those who require it to provide products and services to you. We may share the personal information that we collect with the following entities:

• SpryPayday payday loan affiliates
• Unaffiliated service providers
• Government agencies, other regulatory bodies and law enforcement officials
• Other organizations, with your consent or as directed by your representative
• Other organizations, as permitted by law (for example, Telecheck)

Privacy Online

Privacy, security and service in our online operations are just as critical as in the rest of our business. SpryPayday employs all of the safeguards described previously, along with the following Internet-specific practices.

We make extensive use of packet filters, encryption techniques and authentication procedures to maintain the security of our web site and systems from unauthorized access. We may also place cookies and similar files on your hard drive for security purposes, to facilitate site navigation, and to personalize your experience on our site. Our cookies do not identify you by name as an individual or by account number.

We may collect the following network related information: computer browser type, Internet protocol address, pages visited, and average time spent on our Web sites. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our Web design and functionality.

Links to other Web sites

We are not responsible for the information collection practices of other Web sites when you link to them from our Web site. We cannot guarantee how those parties use cookies or whether they place on your computer cookies that may identify you personally. You should carefully review the privacy policies of each Web site you visit to understand how they collect, use, and disclose information.

Information from Children

We do not knowingly solicit information from children and we do not intentionally market our products or services to children.

Change In Privacy Policy

We reserve the right to modify or supplement our Privacy Policy at any time. If we make material changes, we will post our current Privacy Policy on our Web site.

Effective: September 1,2006
Last modified: October 5th, 2006