PRIVACY POLICY

This notice is provided to you on behalf of the A-1 Premium Budget, Inc., d/b/a Cash In A Wink, (hereafter "Cash In A Wink", "we" "our" or "us"). "You" or "Your" means you as a participant in or as a user of the Cash In A Wink website, products or services. "Our website" means the Cash In A Wink website found at www.cashinawink.com. All information transmitted, printed or otherwise submitted to Cash In a Wink via our website may be used for any lawful purpose described herein, and for other purposes as required or permitted by law.

Please read this notice carefully. It provides important information about the way we collect, share, and protect your information. This privacy policy applies to anyone who applies for or uses our products or services, or visits our website, including but not limited to current and former customers.

WHAT INFORMATION WE COLLECT: We collect personally identifiable financial information, including but not limited to 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, accurate, and customized loan transaction. Your information also helps us personalize and continually improve our customers’ experience at our Website. We automatically collect and/or track the following types of information:

• Information we receive from you on applications or other loan forms, such as your name, address, social security number, employment information, assets and income;
• Information provided by you through on-line forms, registration forms, surveys, and/or other entries, such as email addresses, income, telephone numbers, and demographic information;
• Information about your transactions with us, our affiliates, or others, such as your account history, your loan balances, payment 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 and credit history, 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.
• Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser). Information, user specific or aggregate, on what pages our visitor’s access.
• Information you provide when you contact our customer service department.
• The email addresses of visitors that communicate with Cash In A Wink via email.

HOW WE USE AND DISCLOSE PERSONAL DATA: We use Your Information (including all categories of information identified above) to process your loan transaction and to:

• Provide you with products or services you request;
• Offer you additional products or services, from us or from others, that may be of interest to you;
• Comply with all reporting and other legal requirements;
• Enhance your experience at our website;
• Process payments and update account records;
• Analyze customer demographics, payment histories, and preferences;
• Conduct statistical analysis;
• Provide our advertisers with editorial or feedback information

We may also share Your Information with companies within our corporate family ("Affiliated Companies") and with other companies with whom we do business ("Non-Affiliated Third Parties") as permitted by law and described in this Privacy Policy. These Affiliated Companies and Non-Affiliated Third Parties may be financial service providers, such as mortgage bankers, mortgage brokers, consumer lenders, small lenders, loan brokers, deferred deposit providers, check cashers, supervised lenders, delayed deposit providers, deferred presentment providers, collection agencies, consumer reporting agencies, banks, credit card providers, debit card providers, tax preparers, payroll service providers, insurance agencies, bill payment agencies, ATM providers, lead generators, pawn and title pawn services, automobile dealers, automobile financing, automobile leasing, money transfer and remittance, bill payment, sale of money orders, insurance services and financial service provider holding companies. This may also include other types of businesses, such as advertisers on our website, magazine publishers, retailers, and direct marketers. These companies may use the information that we share for any legal purpose, including but not limited to, developing and promoting new or joint products, improving existing products and services, and contacting you to offer products and services that may be of interest to you.

We may also disclose any or all of Your Information to Affiliated Companies and Non-Affiliated Third Parties that are financial institutions, or companies in the businesses identified above, and with which we have joint marketing agreements. In addition, we may disclose any or all of Your Information to companies that perform services on our behalf. (“Service Providers”). We contract with service providers to perform certain functions, including, database providers who assist in identity verification, credit scoring companies, marketing demographics and consumer survey companies, advertising and marketing companies, direct mail houses and other direct marketing companies, and customer service support and call-center companies. 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 the Personal Data for other purposes.

We also may release Your Information if it becomes necessary for compliance with law or to protect the rights, property, or safety of our Website, 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 all information that is not in individually identifiable form as we deem appropriate in our sole discretion.

AUTOMATIC INFORMATION AND COOKIES: We receive and store certain types of information whenever you interact with our website. For example, like many Websites, we use "cookies" to obtain certain types of information when your Web browser accesses our Website 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 shopping experience by recording information about your preferences.

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 browsers will tell you how to prevent your browser from accepting new cookies, how to have the 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 Website.

Please note that the information in our cookies can be requested only by our Website. Your browser will not pass these cookies to any other site.

YOUR PRIVACY CHOICES: In some circumstances, you have the right to direct us to not share your information with Our Affiliates and Non-Affiliated Third Parties (i.e. "opt-out"). Please note that even if you opt-out, we may still share Your Information with Affiliated Companies and Non-Affiliated Third Parties as permitted or required by law. We may share all information we collect about you with affiliated and non-affiliated companies to facilitate providing our services to you, to administer our business, in order to receive services from those companies, as permitted under joint marketing agreements, and as otherwise permitted or required by law.

To opt-out, you may contact us via email at customerservice@cashinawink.com or in writing at 3422 Old Capital Trail, Suite 1109, Wilmington DE 19808.

You may also opt-out of receiving marketing-related emails from Cash In A Wink by responding to any of our email communications with the word “remove” in the subject line.

You may opt-out at any time. Once we receive your opt-out request, we will stop sharing this information as soon as reasonably practicable.

NOTICE TO CALIFORNIA RESIDENTS: Pursuant to state law, we may not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission.

California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please contact us at customerservice@cashinawink.com or write to us at 3422 Old Capital Trail, Suite 1109 Wilmington DE 19808.

NOTICE TO NORTH DAKOTA RESIDENTS: Pursuant to state law, we will only share information with our service providers and with third parties as required or permitted by law, or if you give us your permission.

NOTICE TO VERMONT RESIDENTS: We will not disclose information about you with Affiliated Companies or Non-Affiliated Third Parties, other than as required or permitted by law, without your express permission.

HOW WE PROTECT YOUR INFORMATION: We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information from unauthorized access.

OUR RIGHT TO CONTACT YOU: We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you. By visiting our Website, you understand and agree that we may contact you at the phone number or email address you enter on your loan application to assist you with your loan or to discuss other products and services that Cash In A Wink may provide for you.

ACCESS TO YOUR PERSONAL INFORMATION: Cash In A Wink gives you access to view Personal Data in your account for the purpose of updating that Personal Data. You can review and/or update your personal data at your customer portal on our website or by contacting Customer Service.

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 Cash In A Wink.

OUR RIGHT TO CHANGE THIS POLICY: We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy.