Cash Now NoChex Privacy Policy
NoChex is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to enable individuals and organizations to establish trusting relationships based on respect for personal identity and information by promoting the use of fair information practices. This privacy statement covers the site www.cashnow.com. Because this Web site wants to demonstrate its commitment to our users' privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

1. What personally identifiable information NoChex collects.

2. What personally identifiable information third parties collect through the Web site.

3. What organization collects the information.

4. How NoChex uses the information.

5. With whom NoChex may share user information.

6. What choices are available to users regarding collection, use and distribution of the information.

7. What types of security procedures are in place to protect the loss, misuse or alteration of information under NoChex control.

8. How users can correct any inaccuracies in the information.

If users have questions or concerns regarding this statement, they should first contact NoChex Privacy by email at: privacy@cashnow.com. If they do not receive acknowledgment of their inquiry or their inquiry is not satisfactorily addressed, they should then contact TRUSTe through the TRUSTe Watchdog Dispute Resolution Process (http://www.truste.org/users/users_watchdog_intro.html). TRUSTe will serve as a liaison with the Web site to resolve users concerns.

Information Collection and Use

Information Collection
NoChex is the sole owner of the information collected on http://www.cashnow.com. NoChex collects information from our users at several different points on our Web site.

Registration
In order to use this Web site, a user must first complete the registration form. During registration a user is required to give contact information (such as name and email address). We use this information to contact the user about services on our site for which he has expressed interest. It is optional for the user to provide demographic information (such as income level and gender), and unique identifiers (such as, username and password), but encouraged so we can provide a more personalized experience on our site.

Order
We request information from the user on our order form. A user must provide contact information (such as name, email, and shipping address) and financial information (such as credit card number, expiration date). This information is used for billing purposes and to fill customer's orders. If we have trouble processing an order, the information is used to contact the user.

Information Use

General: We ask you to provide certain identifying information to us before we supply any of our services. We do this to assure the reliability of our services and to prevent unauthorized access. Therefore, to use our products and services, you will need to register with us.

Registration: As part of the registration process, you will be required to provide us with your contact and other personal information. The information requested will include your name, e-mail, your current address, date of birth, and telephone number.

NoChex Services: When you elect to use our services, we will ask for the personal information (including name and address) we need in order to provide the services you requested and/or use the personal information you have provided as part of the registration process in order to provide such services to you.

Correspondence: If you send us personal correspondence, such as e-mails or letters, we may collect such information into a file specific to you.

Web Site Usage Information: Our servers automatically track certain Web site usage information. This information may include the URL of the Web site that you came from and the URL of the Web site you go to next. It may also include the type of browser you are using, your IP address, what pages you viewed on our Web site, and date-time stamp.

Cookies: In order to constantly improve your experience on our site, we may use software tools or "cookies" to gather information about site visitors' browsing activities. A "cookie" is information sent from a Web site to a visitor's hard drive while he or she is visiting the site. It may enable the site holder to track how a visitor navigates through its site and the areas in which they show interest. Information gathered may include date and time of visits, pages viewed, time spent at the site, and the site visited just before and just after the site. However, we only identify the site visitor if he or she voluntarily gives us personal identifying information online.

Our site uses cookies to keep track of your session ID. We may use cookies to deliver content specific to your interests or to track specific data that needs to be available on multiple Web pages. Cookies are necessary for the system to work properly.

Most cookies in use by our Web server are temporary and will be removed when the user logs out or is timed out by the server. However, a one-year persistent cookie is set so that we can identify a referring company and maintain that company's branding and special promotions.

In some cases, if a visitor returns to the Web site after receiving a cookie, their browser sends cookie information back to the Web site. This is useful to the visitor if he or she has established a password at a particular Web site and wants to be identified by that site to perform a function or transaction. We may use cookies to evaluate our Web site. Cookies and Web usage information is compiled and analyzed on an aggregated basis and we do not link it to your personal information. We use this information to better develop our Web site to meet our users' needs.

Children: Children are not eligible to use our products and services. By using our Web site, you represent to us that you are at least 18 years old. If you are under 18, please do not submit personal information to us.

Profile
We store information that we collect through cookies, log files, clear gifs, and/or third parties to create a profile of our users. A profile is stored information that we keep on individual users that details their viewing preferences. Consequently, collected information is tied to the users personally identifiable information to provide offers and improve the content of the site for the user. This profile is used to tailor a user's visit to our Web site, and to direct pertinent marketing promotions to them. We do not share your profile with other third parties.

Some of our business partners use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies, once we have given permission for them to set cookies for advertising.

Third Party Advertising
The ads appearing on this Web site are delivered to users by Commision Junction, our Web advertising partner. Information about users' visit to this site, such as number of times they have viewed an ad (but not user name, address, or other personal information), is used to serve ads to users on this site. For more information about Commission Junction, cookies, and how to "opt-out", please click here http://www.cj.com/privacy.asp.

This privacy statement covers the use of cookies by Commision Junction only and does not cover the use of cookies by any advertisers.

Log Files
Like most standard Web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.

Communications from the Site

Special Offers and Updates
We send all new members a welcoming email to verify password and username. Established members will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see the Choice and Opt-out sections.

Newsletter
If a user wishes to subscribe to our newsletter, we ask for contact information such as name and email address. Out of respect for our users privacy we provide a way to opt-out of these communications. Please see the Choice and Opt-out sections.

Service Announcements
On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature. [Users may opt-out of these communications. Please see our "Choice/Opt-out" section.]

Customer Service
We communicate with users on a regular basis to provide requested services and in regards to issues relating to their account we reply via email or phone, in accordance with the users wishes.

Sharing

Legal Disclaimer
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.

These are the instances in which we will share users personal information:

We DO NOT Share Personal Information with Third Parties

Third Party Intermediaries
We use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes.

Service Providers
We partner with other third parties such as ibill to provide specific services. For example, when the user signs up for these particular services, we share names, or other contact information name, address, email address and credit card information that is necessary for the third party to provide these services. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.

Business Transitions
In the event NoChex goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users' personal information will, in most instances, be part of the assets transferred.

Choice/Opt-out
Our users are given the opportunity to 'opt-out' of having their information used for purposes not directly related to our site at the point where we ask for information. For example, our order form has an 'opt-out' mechanism so users who buy a product from us, but don't want any marketing material, can keep their email address off of our lists.

Users who no longer wish to receive our newsletter and promotional communications may opt-out of receiving these communications by replying to unsubscribe in the subject line in the email or email us at info@cashnow.com.

Users of our site are always notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.

Tell-A-Friend
If a user elects to use our referral service for informing a friend about our site, we ask them for the friend's name and email address. NoChex will automatically send the friend a one-time email inviting them to visit the site. NoChex stores this information for the sole purpose of sending this one-time email. The friend may contact NoChex at info@cashnow.com to request the removal of this information from our database.

Chat Rooms, Message Boards, and Public Forums
Please keep in mind that whenever you voluntarily disclose personal information online — for example on message boards, through e-mail, or in chat areas — that information can be collected and used by others. In short, by posting personal information online that is publicly accessible, you may receive unsolicited messages from other parties in return.

Security
This Web site takes every precaution to protect our users' information. When users submit sensitive information via the Web site, their information is protected both online and off-line.

When our registration/order form asks users to enter sensitive information (such as credit card number and/or social security number), that information is encrypted and is protected with the best encryption software in the industry — SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when users are just "surfing".

While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to user information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our users' information is protected. Finally, the servers that store personally identifiable information are in a secure environment, in a locked facility.

If users have any questions about the security at our Web site, users can send an email to info@cashnow.com.

Supplementation of Information
In order for this Web site to properly fulfill its obligation to users it is necessary for us to supplement the information we receive with information from 3rd party sources.

Notification of Changes
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

If, however, we are going to use users' personally identifiable information in a manner different from that stated at the time of collection we will notify users via email.

Contact Information
If users have any questions or suggestions regarding our privacy policy, please email us at: info@cashnow.com.