Cash Tyme is dedicated to protecting our customers’ privacy and security. This Privacy Statement describes our information collection and sharing practices. It identifies the sources from which we gather nonpublic personal information about you, describes the information about you that we may share with our affiliates and with nonaffiliated third parties, and specifies the actions we take to secure that information. Finally, this Privacy Statement explains how you can exercise your privacy rights by choosing to opt-out of certain information sharing practices that we would otherwise apply to your nonpublic personal information.

DEFINITIONS.
• We, our, and us mean Cash Tyme.
• You and your mean all of our past and present customers. A customer includes any consumer who has applied for or obtained a financial product or service from us.
• Nonpublic personal information means information about you that we collect when we provide a financial product or service to you. Nonpublic personal information does not include information about you that is available from public sources, such as telephone directories or government records.
• Affiliate means a company we control, a company that controls us, or a company that is controlled by the same company that controls us.
• Nonaffiliated third party means a person or company that is not one of our affiliates.
• Opt-Out means your election to prevent us from sharing nonpublic personal information about you with our affiliates or with nonaffiliated third parties, subject to the exceptions described below. You can exercise your right to opt-out by completing, signing, and mailing the Opt-Out Notification attached below.

INFORMATION CONTAINED IN THIS PRIVACY STATEMENT. This Privacy Statement relates to all personally identifiable financial information about you that we obtain when we offer or consider offering a product or service to you. It covers the information we gather about you either during the course of our relationship or after the relationship has been terminated.

INFORMATION WE GATHER FROM YOU. We collect nonpublic personal information about you from your credit application, credit reporting agencies, and your transactions and experience with our affiliates, nonaffiliated third parties, and us.

WHAT TYPES OF INFORMATION ABOUT YOU WE DISCLOSE. We may disclose the following types of nonpublic personal information about you: name, address, home and work phone numbers, email address, social security number, time at residence, source and amount of income, and payment history.

HOW WE DISCLOSE YOUR INFORMATION. Subject to applicable state law and your opt-out rights described below, we may disclose nonpublic personal information about you to affiliates and to nonaffiliated third parties. If applicable state law is more restrictive on us than the information sharing policies described in this Privacy Statement, then our information sharing policies will conform to the more restrictive state law. For example, if applicable state law requires us to acquire your consent prior to disclosing nonpublic personal information about you to affiliates or to certain third parties (i.e. an “opt-in” requirement), then we will not disclose your nonpublic personal information to such persons-even if you do not notify us of your out-out rights.

TO WHOM WE DISCLOSE YOUR INFORMATION. We may disclose nonpublic personal information about you to our affiliates. We may also disclose nonpublic personal information about you to the following kinds of third parties: collection agencies, credit reporting agencies, banks, bad debt buyers, check cashing companies, consumer and mortgage loan companies, tax preparation service providers, and refund anticipation loan companies. Finally, we may disclose nonpublic personal information about you to persons who collect data on certain segments of the consumer finance industry, such as trade associations, educational institutions, marketing companies, and professional firms.

HOW WE SAFEGUARD YOUR INFORMATION. We only allow access to nonpublic personal information about you to those of our employees who need to know such information in order to provide a product or service to you. We also uphold physical, electronic, and procedural safeguards that comply with federal standards intended to safeguard your nonpublic personal information. Finally, we prevent unauthorized access to your nonpublic personal information by repeatedly evaluating our security standards and privacy policies and by regularly training our employees and requiring our vendors to comply with those standards and policies.

HOW TO EXERCISE YOUR RIGHT TO OPT-OUT OF OUR INFORMATION SHARING PRACTICES. You have the right to stop our disclosure of certain nonpublic personal information about you with affiliates and with nonaffiliated third parties, subject to the exception described below. We call this your right to “opt-out”. Your election to opt-out of our information sharing practices will apply to all products and services you receive from us. If you have previously opted-out of our information sharing practices, we will continue to honor that opt-out; you may, but you need not, opt-out again. Also, if you have a joint account with us, an opt-out instruction given by one account owner will affect all owners of the account. To opt-out follow the instructions contained on the Opt-Out Notification below. You will check the appropriate box or boxes, sign the notice, address and stamp your own envelope, and mail the card to us by ordinary mail.

INFORMATION WE MAY SHARE EVEN AFTER YOU OPT-OUT. Your election to opt-out will not hinder our sharing of nonpublic personal information about you with collection agencies, debt buyers, or nonaffiliated third parties that perform marketing services on our behalf or with financial institutions with whom we have a joint marketing agreement. This nonpublic personal information includes the following types information about you: name, address, home and work phone numbers, email address, social security number, time at residence, source and amount of income, and payment history. Furthermore, your election to opt-out will not prevent us from disclosing to our affiliates the information we obtain from our transactions and experience with you. Lastly, we will continue to make other disclosures of your nonpublic personal information that are permitted or required by law.