At ChargeReady Merchant Services Program, we are firmly committed to maintaining the confidentiality, integrity and security of your personal information and have created this Privacy Statement to demonstrate our commitment. The ChargeReady Merchant Services Program exceeds the highest industry standard in transparency and strives to provide certainty. You should read this policy in its entirety, but should pay particular attention to these highlights:

Privacy Policy

Introduction
The ChargeReady Merchant Services Program ("CRMSP", "our", "us" or "we") takes steps intended to meet privacy principles and requirements under applicable privacy legislation with respect to personal information. Personal information is information about an identifiable individual, as more particularly described under applicable privacy legislation. The purpose of this Privacy Policy is to inform our registered users and other individuals or businesses we deal with ("you" or "your",) how we collect, use, disclose and protect personal information. You accept this policy when you sign up for or use our products, services or any other features, technologies or functionalities offered by us on our website or through any other means (collectively the "Services").

Registration
Signing up as a customer or potential customer you are required to give your name, address, zip code, telephone number, email address, credit card or checking account number, and credit card expiration date. Once you register with us, you are not anonymous to us.

Personal Information. Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person or business. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.

Filing of Information
We automatically receive and record information on our server logs from your Web browser, including your IP address, cookie information, and the page you requested. We use IP addresses and cookies to analyze trends, administer the site, track members and users movements, and gather broad demographic information for aggregate use. IP addresses are not linked to your personal information. We transfer cookies to your computer's hard drive through your Web browser, which are alphanumeric identifiers.

Collection of Information
The information collected by us is stored in a single, secure database and can be accessible only by us. We collect information from our paying members or other persons who use, attempt to use, or access the Program or the Services ("users") at several different points and from different sources, all or some of which may apply to you.

Generally, by providing us with your personal information, we will assume that you consent to our collection, use and disclosure of such information for the purposes identified or described in this Privacy Policy, if applicable, or otherwise at the time of collection.

Use of Information
Information we collect is generally used for the following purposes:

• To build features that will make the services available on our site easier to use. This includes faster search requests, better member support and timely notice of new services and special offers.
• To improve our marketing and promotional efforts, to analyze site usage, improve our content and product offerings, and customize our sites content, layout, and services. These uses improve our Services and better tailor them to meet your needs.
• To resolve disputes, troubleshoot problems and enforce our Terms and Conditions of Use. At times, we may look across multiple members or users to identify problems or resolve disputes, and in particular we may examine your information to identify members using multiple Member Ids or aliases.
• We send all new members a welcoming email or other notification to verify order details. Active customers and former customers may occasionally receive information on products, services, special deals, and a newsletter.
• We may use the personal information that you supply to us and we may work with other third parties to bring selected retail opportunities to you via direct mail, email and telemarketing. The Program may sell or rent aggregated statistical information and user, member or former member specific information, including name, address, telephone number and payment information, to our marketing partners or other third-parties. If you want the Program to stop sharing information it has about you in the future, you may notify us of this fact by contacting the Program's Customer Care department @t.
• We reserve the right to disclose personal information, including Sensitive Information, when we believe that such disclosure is appropriate to comply with the law or a request by a government official, to protect the rights or property of CRMSP, or to enforce our Terms and Conditions of Use. In the event that CRMSP or substantially all of its assets are acquired by a third party, member information and Sensitive Information may be some of the transferred assets.

Sensitive Information
We take every precaution to protect our users and member's Sensitive Information, both on- and offline. Your information is password-protected for your privacy and security. Sensitive Information is encrypted and is protected online with the best encryption software in the industry - SSL.

Sensitive Information is also protected offline in our offices. All employees are kept up-to-date on our security practices and changes in those practices. Finally, the servers that we store Sensitive Information on are kept in a secure environment. If you have any questions about the security at our website, you can send an email to the Program's Customer Care.

Cookies
We may use "cookie" files – a small text file containing a string of alphanumeric characters – to enhance the use of our website and the loan marketplace for our registered users and other users. Other than the information provided by a user, cookie files do not contain information that can be used to identify an individual user. You can disable cookies using your Internet browser's settings and you should consult your browser's help function for information on how to disable cookies. Please note that if you disable cookies, certain features of our website may not function properly.

E-mail Policy
Once you complete new user registration and your CRMSP account is created, we will use your e-mail address to contact you regarding your account. We will also use your e-mail address to contact you for other registered user service and support purposes. In addition, we will use your e-mail address to answer your e-mail and registered user service and support inquiries and requests. In order to provide consistent and high-quality registered user service and support, we may store any correspondence with you in a file specific to you.

Notification of Policy Changes
Should our Privacy Policy change we will post these changes on our homepage or provide other notification of our revised Policy so our users and members are always aware of what information we collect, how we use it, and when we disclose it.

Got Questions?
Contact the ChargeReady Merchant Services Program with any questions or suggestions at: privacy@ChargeReady.com

For more information regarding privacy you can visit the The Federal Trade Commission for an overview of privacy protection.