ONLINE PRIVACY

ONLINE PRIVACY POLICIES FOR

Title Lenders, Inc. DBA: USA Payday Loans, USA Loans &

Title Lenders of Wisconsin, INC. DBA: USA Payday Loans


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Title Lenders, Inc. DBA: USA Payday Loans, USA Loans

 

ONLINE PRIVACY PRACTICES

December 31, 2013
Title Lenders Inc., (the “Company,” “we” or “us”) realizes that privacy is an important issue, and we
take your privacy seriously. Please read the following to learn more about how we collect, use and
safeguard the information and data you may provide to us or we otherwise collect. These Privacy
Practices are subject to modification and/or update as set forth below under the caption “Effectiveness
and Policy Modification.”

APPLICABILITY OF THESE PRIVACY PRACTICES


These Privacy Practices apply to information and data you may provide to us or we otherwise collect
from you via the www.USAPaydayLoanStoree.com website (collectively, the “Site”). By using the Site,
or voluntarily providing your information to us, you consent to the collection and use of all
information as set forth in these Privacy Practices. If you do not agree to the terms of these Privacy
Practices, please do not provide us with any information and do not use the Site. These Privacy Practices
are incorporated into and subject to the Terms & Conditions for the Site.

 

These Privacy Practices applies only to information submitted or collected through the Site, and do not
apply to information that may be collected by the Company through any other means, including offline or
at any of our stores. This policy also does not apply to information about you collected by third party
services, applications, or websites or advertisements associated with, linked to or otherwise accessible
from the Site. The information collected or received by such third parties, is subject to their own
privacy policies or practices and under no circumstances is the Company responsible or liable for
the third party’s compliance therewith.

HOW DO WE COLLECT INFORMATION FROM YOU?


We collect personally identifiable information we receive through your use of this Site (i) when you apply
or register for Company’s services through the Site, (ii) when you “opt in” for certain services or features
of the Site, (iii) when you elect to contact us electronically and (iv) automatically as further described
below.

 

We also receive the automatic and passive data (both personally identifiable and otherwise) from the
computer used to access the Site and when you interact with the Site. In this regard, the Site use common
automated information gathering tools such as log files that record page activity, including a particular
person’s visits to a page and how many "hits" a particular item is receiving, as well as other application
activity. The Company may use small bits of code called “one-pixel gifs,” “clear gifs,” or “web beacons”
embedded in the Site to gather certain information.

WHAT INFORMATION DOES THE COMPANY COLLECT FROM YOU?


Via the Site, the Company collects from you: (i) certain non-personal technical and other information and
(ii) certain personally identifiable information.

 

All Visitors to the Site –In general, if you visit the Site without applying or registering for any of the
Company’s services, you will be using the Site anonymously; no personally identifiable information is
collected. Whether or not you apply for any services, when you visit the Site various types of information
are collected automatically and passively through log files and other tools as noted above under the
caption “How Do We Collect Information From You,” including your IP address (a number assigned to
your computer when you use the Internet), the name of the web page from which you entered the Site,
type of browser or operating system you are using, the name of your Internet service provider, broad
demographic data, data relating to malfunctions or problems occurring when you use your computer with
the Site and your activity while using the Site.

Visitors Who Apply or Register For Services – If you elect to apply or register for certain Company
services through the Site, you will be providing us with some or all of the following registration-related
information: full name, address, phone numbers, e-mail address, vehicle information, drivers license
number, employment, insurance, rent/mortgage payments, banking information, references and date of
birth.

Depending on how you use the Site, we may collect the following personally identifiable additional
information and data:
▪ information about your use of Site features and how frequently you use them; and
▪ customer service information about you as a Site user.

Discretionary Contact With Us: The Site allows you to contact us electronically through e-mail.
Whenever you make such contact, you will be providing us with your name and other information, such
as email address, home address, phone number and any information you choose to include in the text of
your message.

Tracking: We do not engage in the collection of personally identifiable information about your online
activities over time and across third party websites or online services. Accordingly, we do not currently
process or comply with any web browser’s “do not track” signal or other mechanisms that provide
consumers with the ability to exercise choice regarding the collection of personally identifiable
information about your online activities over time and across third party websites. We allow third-party
companies, including AddThis, to collect certain anonymous information when you visit our website.
These companies may use non-personally identifiable information during your visits to this and other
websites in order to provide advertisements about goods and services likely to be of greater interest to
you. These companies typically use a cookie or a third party web beacon to collect this information. To
learn more about this behavioral advertising practice, you can visit www.networkadvertising.org.

HOW IS YOUR INFORMATION USED?


Our Use of Information. We collect, retain, and use the information we collect via the Site for legitimate
business purposes only. This not only allows us to provide the Site as it exists today, but it also allows us
to provide you with innovative features and services we develop in the future that use the information we
receive about you in new ways. For example, we may use the information we receive about you:
▪ to provide you with our services;
▪ to help keep the Site safe and secure, and protect users’ rights or property;
▪ to monitor your use of the Site, including to enforce our Terms & Conditions; and
▪ to correspond with you regarding the Site or matters relating to your use or potential use of the Site, or
  to inform you of developments in our company or with our services that we believe may be of interest
  to you.

 

While you are allowing us to use the information we receive about you, you always own all of your
information.

Our Sharing of Information. Your trust is important to us, which is why we don't share information we
receive about you with others unless we have:
▪ received your permission; or
▪ given you notice, such as by telling you about it in these Privacy Practices; or
▪ removed your name or any other personally identifying information from it.

We do not sell or rent your personally identifiable information to third parties for marketing purposes.

We may share information with contractors providing services on our behalf and otherwise to help us
operate the Site. In addition, we may share information with our affiliated companies for use in
connection with their businesses. We require those providing services on our behalf and affiliates to limit
their use and disclosure of your information to uses and disclosures that are consistent with these Privacy
Practices, however, we cannot guarantee their compliance.

The contents of your online communications, as well as other information about you as a Site user, may
be accessed and disclosed (i) in response to lawful governmental requests or legal process (for example, a
court order, search warrant or subpoena), (ii) in other circumstances in which we have a good faith belief
that a crime has been or is being committed by you or another user or that an emergency exists that poses
a threat to the safety of you or another person, (iii) when necessary either to protect our rights or property,
or (iv) for us to render the service you have requested.

MODIFICATIONS TO INFORMATION


We strive to maintain the accuracy of any personally identifiable information that may be collected from
you, and will use our commercially reasonable efforts to respond promptly to update our database when
you tell us the information in our database is not accurate. We do not provide you with online access to
your application or registration information, or the ability to edit this information. It is your responsibility
to ensure that such information is accurate, complete and up-to-date. You may obtain from us, by e-mail,
the registration information in our records and/or files. Information will be updated as soon as reasonably
practicable.

 

E-MAIL LISTS


When you apply or register for services through the Site, we may contact you from time to time via email,
providing you with updates and other information regarding the Site and our services unless you opt-out
of receiving, such information as noted below under the caption “Opt-Out.”

 

OPT-OUT


All emails will contain links allowing you to opt-out of receiving such information. In addition, you may
opt out of receiving materials or other communications from us and our affiliates by contacting us via
email at contactus@USAPaydayLoanStore.com.

 

CHILDREN


In compliance with the Children’s Online Privacy Protection Act, 15 U.S.C. §§ 6501-06 and 16 C.F.R. §§
312.1-312.12, the Company will not knowingly collect or solicit personal information from anyone under
the age of 13 or knowingly allow such persons to register. If you are under 13, please do not attempt to
register for the Site or send any information about yourself to us, including your name, address, mobile
device number, or email address. By using the Site, you represent that you are not under 13 years of
age.

 

THIRD PARTY SERVICES, ADVERTISERS AND APPLICATIONS


The Site may reference or provide links to third party services, websites, applications or products. As
noted under the caption “Applicability of these Privacy Practices,” these Privacy Practices does not apply
to information about you collected by third party services, websites, applications or advertisements
associated with, linked to or otherwise accessible from the Site. The Company does not control and is not
responsible for such third party services, applications, websites or advertisements, or for the privacy
policies or information practices of such third parties or their services. You should review the privacy
policies applicable to such third party services, applications, websites and advertisers.

 

PROTECTING YOUR PERSONALLY IDENTIFIABLE INFORMATION


Because security is important to both the Company and you, we will always make reasonable efforts to
ensure the security of our systems, but cannot guarantee that your information will never be disclosed in a
manner inconsistent with these Privacy Practices (for example, as a result of unauthorized acts by third
parties that violate applicable law or the policies of the Site and its affiliated providers). The Company
employs physical, electronic and administrative safeguards to protect the information we receive from
you from unauthorized disclosure. Data transmitted via the Site is stored on servers which are owned or
controlled by us and such data is store for as long as it is necessary to provide services to you and others.
If you suspect unauthorized access to your information, it is your responsibility to contact the Company
immediately. Please be aware that data transmission is not always secure and we cannot warrant
that information you transmit through the Site is secure.

 

BUSINESS TRANSFER


The Company may, in the future, sell or otherwise transfer some or all of its assets to a third party. Your
information, including personally identifiable information and technical and usage information we obtain
from you directly or automatically via the Site, may be disclosed to any potential or actual third party
purchasers of such assets and/or may be among those assets transferred.

 

USERS OUTSIDE THE UNITED STATES


When a user who is located outside the United States chooses to register on the Site and make certain
information available to the Company, it is the user who is responsible for ensuring whether such actions
and the sharing of information with the Company through the Site conforms to all local data protection
laws. The Company is not responsible under the local data protection laws for information obtained
through the Site.

 

EFFECTIVENESS AND POLICY MODIFICATIONS


These Privacy Practices is effective as of December 31, 2013. We reserve the right, at any time, to
modify, alter, or update this policy, and any such modifications, alterations, or updates will be
effective upon posting. In the event we modify these Privacy Practices, your continued use of the Site
will signify your acceptance of the modified Privacy Practices. If modifications are deemed by the
Company to be material, it will use its reasonable commercial efforts to provide special notice of the
changes to Users. In any event, please revisit this page often to remain fully informed of our policies.

 

QUESTIONS?


The Company will happily address any concerns about our Privacy Practices or inaccuracies regarding
your registration information. Contact us at contactus@USAPaydayLoanStore.com.

 

---------------



Title Lenders of Wisconsin, Inc. DBA: USA Payday Loans

 

ONLINE PRIVACY PRACTICES

 

December 31, 2013
Title Lenders of Wisconsin Inc., (the “Company,” “we” or “us”) realizes that privacy is an important issue, and we
take your privacy seriously. Please read the following to learn more about how we collect, use and
safeguard the information and data you may provide to us or we otherwise collect. These Privacy
Practices are subject to modification and/or update as set forth below under the caption “Effectiveness
and Policy Modification.”

APPLICABILITY OF THESE PRIVACY PRACTICES


These Privacy Practices apply to information and data you may provide to us or we otherwise collect
from you via the www.USAPaydayLoanStoree.com website (collectively, the “Site”). By using the Site,
or voluntarily providing your information to us, you consent to the collection and use of all
information as set forth in these Privacy Practices. If you do not agree to the terms of these Privacy
Practices, please do not provide us with any information and do not use the Site. These Privacy Practices
are incorporated into and subject to the Terms & Conditions for the Site.

 

These Privacy Practices applies only to information submitted or collected through the Site, and do not
apply to information that may be collected by the Company through any other means, including offline or
at any of our stores. This policy also does not apply to information about you collected by third party
services, applications, or websites or advertisements associated with, linked to or otherwise accessible
from the Site. The information collected or received by such third parties, is subject to their own
privacy policies or practices and under no circumstances is the Company responsible or liable for
the third party’s compliance therewith.

HOW DO WE COLLECT INFORMATION FROM YOU?


We collect personally identifiable information we receive through your use of this Site (i) when you apply
or register for Company’s services through the Site, (ii) when you “opt in” for certain services or features
of the Site, (iii) when you elect to contact us electronically and (iv) automatically as further described
below.

 

We also receive the automatic and passive data (both personally identifiable and otherwise) from the
computer used to access the Site and when you interact with the Site. In this regard, the Site use common
automated information gathering tools such as log files that record page activity, including a particular
person’s visits to a page and how many "hits" a particular item is receiving, as well as other application
activity. The Company may use small bits of code called “one-pixel gifs,” “clear gifs,” or “web beacons”
embedded in the Site to gather certain information.

WHAT INFORMATION DOES THE COMPANY COLLECT FROM YOU?


Via the Site, the Company collects from you: (i) certain non-personal technical and other information and
(ii) certain personally identifiable information.

 

All Visitors to the Site –In general, if you visit the Site without applying or registering for any of the
Company’s services, you will be using the Site anonymously; no personally identifiable information is
collected. Whether or not you apply for any services, when you visit the Site various types of information
are collected automatically and passively through log files and other tools as noted above under the
caption “How Do We Collect Information From You,” including your IP address (a number assigned to
your computer when you use the Internet), the name of the web page from which you entered the Site,
type of browser or operating system you are using, the name of your Internet service provider, broad
demographic data, data relating to malfunctions or problems occurring when you use your computer with
the Site and your activity while using the Site.

Visitors Who Apply or Register For Services – If you elect to apply or register for certain Company
services through the Site, you will be providing us with some or all of the following registration-related
information: full name, address, phone numbers, e-mail address, vehicle information, drivers license
number, employment, insurance, rent/mortgage payments, banking information, references and date of
birth.

Depending on how you use the Site, we may collect the following personally identifiable additional
information and data:
▪ information about your use of Site features and how frequently you use them; and
▪ customer service information about you as a Site user.

Discretionary Contact With Us: The Site allows you to contact us electronically through e-mail.
Whenever you make such contact, you will be providing us with your name and other information, such
as email address, home address, phone number and any information you choose to include in the text of
your message.

Tracking: We do not engage in the collection of personally identifiable information about your online
activities over time and across third party websites or online services. Accordingly, we do not currently
process or comply with any web browser’s “do not track” signal or other mechanisms that provide
consumers with the ability to exercise choice regarding the collection of personally identifiable
information about your online activities over time and across third party websites. We allow third-party
companies, including AddThis, to collect certain anonymous information when you visit our website.
These companies may use non-personally identifiable information during your visits to this and other
websites in order to provide advertisements about goods and services likely to be of greater interest to
you. These companies typically use a cookie or a third party web beacon to collect this information. To
learn more about this behavioral advertising practice, you can visit www.networkadvertising.org.

HOW IS YOUR INFORMATION USED?


Our Use of Information. We collect, retain, and use the information we collect via the Site for legitimate
business purposes only. This not only allows us to provide the Site as it exists today, but it also allows us
to provide you with innovative features and services we develop in the future that use the information we
receive about you in new ways. For example, we may use the information we receive about you:
▪ to provide you with our services;
▪ to help keep the Site safe and secure, and protect users’ rights or property;
▪ to monitor your use of the Site, including to enforce our Terms & Conditions; and
▪ to correspond with you regarding the Site or matters relating to your use or potential use of the Site, or
  to inform you of developments in our company or with our services that we believe may be of interest
  to you.

 

While you are allowing us to use the information we receive about you, you always own all of your
information.

Our Sharing of Information. Your trust is important to us, which is why we don't share information we
receive about you with others unless we have:
▪ received your permission; or
▪ given you notice, such as by telling you about it in these Privacy Practices; or
▪ removed your name or any other personally identifying information from it.

We do not sell or rent your personally identifiable information to third parties for marketing purposes.

We may share information with contractors providing services on our behalf and otherwise to help us
operate the Site. In addition, we may share information with our affiliated companies for use in
connection with their businesses. We require those providing services on our behalf and affiliates to limit
their use and disclosure of your information to uses and disclosures that are consistent with these Privacy
Practices, however, we cannot guarantee their compliance.

The contents of your online communications, as well as other information about you as a Site user, may
be accessed and disclosed (i) in response to lawful governmental requests or legal process (for example, a
court order, search warrant or subpoena), (ii) in other circumstances in which we have a good faith belief
that a crime has been or is being committed by you or another user or that an emergency exists that poses
a threat to the safety of you or another person, (iii) when necessary either to protect our rights or property,
or (iv) for us to render the service you have requested.

MODIFICATIONS TO INFORMATION


We strive to maintain the accuracy of any personally identifiable information that may be collected from
you, and will use our commercially reasonable efforts to respond promptly to update our database when
you tell us the information in our database is not accurate. We do not provide you with online access to
your application or registration information, or the ability to edit this information. It is your responsibility
to ensure that such information is accurate, complete and up-to-date. You may obtain from us, by e-mail,
the registration information in our records and/or files. Information will be updated as soon as reasonably
practicable.

 

E-MAIL LISTS


When you apply or register for services through the Site, we may contact you from time to time via email,
providing you with updates and other information regarding the Site and our services unless you opt-out
of receiving, such information as noted below under the caption “Opt-Out.”

 

OPT-OUT
All emails will contain links allowing you to opt-out of receiving such information. In addition, you may
opt out of receiving materials or other communications from us and our affiliates by contacting us via
email at contactus@USAPaydayLoanStore.com.

CHILDREN


In compliance with the Children’s Online Privacy Protection Act, 15 U.S.C. §§ 6501-06 and 16 C.F.R. §§
312.1-312.12, the Company will not knowingly collect or solicit personal information from anyone under
the age of 13 or knowingly allow such persons to register. If you are under 13, please do not attempt to
register for the Site or send any information about yourself to us, including your name, address, mobile
device number, or email address. By using the Site, you represent that you are not under 13 years of
age.

 

THIRD PARTY SERVICES, ADVERTISERS AND APPLICATIONS


The Site may reference or provide links to third party services, websites, applications or products. As
noted under the caption “Applicability of these Privacy Practices,” these Privacy Practices does not apply
to information about you collected by third party services, websites, applications or advertisements
associated with, linked to or otherwise accessible from the Site. The Company does not control and is not
responsible for such third party services, applications, websites or advertisements, or for the privacy
policies or information practices of such third parties or their services. You should review the privacy
policies applicable to such third party services, applications, websites and advertisers.

 

PROTECTING YOUR PERSONALLY IDENTIFIABLE INFORMATION


Because security is important to both the Company and you, we will always make reasonable efforts to
ensure the security of our systems, but cannot guarantee that your information will never be disclosed in a
manner inconsistent with these Privacy Practices (for example, as a result of unauthorized acts by third
parties that violate applicable law or the policies of the Site and its affiliated providers). The Company
employs physical, electronic and administrative safeguards to protect the information we receive from
you from unauthorized disclosure. Data transmitted via the Site is stored on servers which are owned or
controlled by us and such data is store for as long as it is necessary to provide services to you and others.
If you suspect unauthorized access to your information, it is your responsibility to contact the Company
immediately. Please be aware that data transmission is not always secure and we cannot warrant
that information you transmit through the Site is secure.

 

BUSINESS TRANSFER


The Company may, in the future, sell or otherwise transfer some or all of its assets to a third party. Your
information, including personally identifiable information and technical and usage information we obtain
from you directly or automatically via the Site, may be disclosed to any potential or actual third party
purchasers of such assets and/or may be among those assets transferred.

 

USERS OUTSIDE THE UNITED STATES


When a user who is located outside the United States chooses to register on the Site and make certain
information available to the Company, it is the user who is responsible for ensuring whether such actions
and the sharing of information with the Company through the Site conforms to all local data protection
laws. The Company is not responsible under the local data protection laws for information obtained
through the Site.

 

EFFECTIVENESS AND POLICY MODIFICATIONS


These Privacy Practices is effective as of December 31, 2013. We reserve the right, at any time, to
modify, alter, or update this policy, and any such modifications, alterations, or updates will be
effective upon posting. In the event we modify these Privacy Practices, your continued use of the Site
will signify your acceptance of the modified Privacy Practices. If modifications are deemed by the
Company to be material, it will use its reasonable commercial efforts to provide special notice of the
changes to Users. In any event, please revisit this page often to remain fully informed of our policies.

 

QUESTIONS?


The Company will happily address any concerns about our Privacy Practices or inaccuracies regarding
your registration information. Contact us at contactus@USAPaydayLoanStore.com.