Load-n-go Privacy

LOAD-N-GO PRIVACY INFORMATION & DISCLOSURE
IMPORTANT - PLEASE READ CAREFULLY

PRIVACY DISCLOSURE
This Privacy Disclosure explains the privacy policies of Load-n-go, Inc. ("Company") with respect to the Load-n-go Payroll MasterCard^® programs. The Load-n-go Payroll MasterCard and Load-n-go Payroll Maestro Card is issued by The Bancorp Bank pursuant to a license from MasterCard International.

We are committed to protecting our customers' privacy and security. This disclosure explains what information we collect about you, with whom we share it, and how you can direct us not to share certain information with certain parties.

DEFINITIONS
We, our, and us, means Load-n-go, Inc., the marketer for your Load-n-go Payroll MasterCard card or ATM card.
You and your, means customers with a Load-n-go Payroll MasterCard or ATM card, as well as any consumers who enroll for a Load-n-go Payroll MasterCard or ATM card.

Nonpublic personal information, means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter we will use the term "information" to mean nonpublic personal information as defined by this section.

Affiliate, means a company Load-n-go, Inc. owns or controls a company that owns or controls Load-n-go, Inc. or a company that is owned or controlled by the same company that owns or controls Load-n-go, Inc. Ownership does not mean complete ownership, but means enough to have control.

Nonaffiliated third party, means a person not employed by Load-n-go, Inc. or a company that is not an affiliate of Load-n-go, Inc. Opt out, means a choice you can make to prevent certain sharing or use of information. We will explain how you can exercise this choice.

Opt out, means a choice you can make to prevent certain sharing or use of information. We will explain how you can exercise this choice.

INFORMATION WE COLLECT AND DISCLOSE
We do not collect any personal information about you except when specifically and knowingly provided by you.
We collect and may disclose the following information about you:

Information you provide on applications or other forms, such as name, address, e-mail address, social security number, telephone number, and date of birth;
Information about your transactions with us, our affiliates, or other parties, such as account balance, payment history, parties to transactions, and card usage; and
Information we receive from a consumer reporting agency, such as verification of your identity and creditworthiness

We may also collect and disclose information about how users use our Web site, for example, by tracking unique views received by pages of the Web site or the domains from which users originate. This information is not personally identifiable. We may also use "cookies" to track returning users to our Web site. A cookie is a piece of software that a Web server can store on the users' PC and use to identify the users should they visit the Web site again. Information collected may be associated with nonpublic personal information users provide us through our Web site.

INFORMATION WE SHARE WITH SERVICE PROVIDERS OR JOINT MARKETERS
We may disclose all of the information we collect, as described above, to companies (including affiliates) that perform services on our behalf, including those who assist us in preparing and mailing statements and responding to customer inquiries. We may provide that information, except for information from consumer reporting agencies, to others who perform marketing services for us and to financial institutions that are not our affiliates with whom we jointly offer financial products or services. You do not have the right to opt out of the disclosure of this information.

INFORMATION WE SHARE WITH AFFILIATES
Our affiliates include nonfinancial companies, and may include financial service providers, such as insurance companies. In addition to the information we share with affiliates that provide services to us, we may share information described above among affiliates in order to provide you with information about additional products and services. You have the choice to opt out from our sharing of certain information with affiliates.

INFORMATION WE SHARE WITH NONAFFILIATED THIRD PARTIES
We may disclose information to third parties who do not belong to our corporate family. These nonaffiliated third parties may include financial services providers, such as mortgage and insurance companies; nonfinancial companies, such as direct marketers, retailers and publishers; and others, such as nonprofit organizations.
You have the choice to opt out from our sharing of certain information with these types of third parties. In addition, we generally will not disclose information to nonaffiliated third parties as long as your billing address is in California or Vermont except as permitted by law.

YOUR RIGHT TO OPT-OUT OF DISCLOSURES TO THIRD PARTIES
If you prefer that we not share nonpublic personal information about you with third parties, you may opt-out of those disclosures at any time by directing us not to make those disclosures (other than disclosures permitted or required by law). You may opt-out by calling Load-n-go Customer Service at 702-735-5300 or by writing to us at

Load-n-go Customer Service
3960 Howard Hughes Parkway
Fifth Floor
Las Vegas, NV 89109

INFORMATION SECURITY
We restrict access to nonpublic personal information about you to our employees who have a need to know such information (e.g., to process your transactions). We train our employees on the importance of customer privacy and confidentiality. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard the nonpublic personal information of our customers.

INFORMATION ABOUT FORMER CUSTOMERS
The privacy policies and practices described in this Privacy Disclosure also apply to our former customers.

EMAIL POLICY
We may use your email address to contact you regarding information about you or your Card, or for other customer service and legal notice purposes. We also use your e-mail address to answer your e-mail or the customer service requests we receive from you. In order to provide consistent high-quality customer service, we may also store any correspondence with you in a file specific to you. You can also elect to receive updates via e-mail regarding Load-n-go’s products and services, service enhancements or special offers and promotions related to your Card.

WEB SITE POLICY
Load-n-go offers Web site users the convenience of online personalization by using cookies. Cookies are alphanumeric identifiers that are transferred to your computer's hard drive through your Web browser. When this information is stored on your hard drive, our system is able to recognize your browser and in turn customize Web page content and services for you. Cookies are used by Load-n-go so that we can remember our previous interactions with you and make it easier for you to access our Web site and use our services. Cookies only contain your login information. If you do not want us to give you a cookie, you can select the "Don't Save Log-in" option when you first use Load-n-go.

PRIVACY PRACTICES OF THIRD PARTIES
Our website may feature links to third-party sites that offer goods, services, or information. We are not responsible for content or privacy policies or practices of any advertisers or linked sites of any third parties. We encourage you to review their privacy policy before providing them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

ACCESS OR CORRECT YOUR INFORMATION
You can access most of your nonpublic personal information that we collect online and maintain at www.load-n-go.com. You can correct factual errors in your nonpublic personal information by contacting us at the number or address listed above.

CHANGES TO THIS PRIVACY DISCLOSURE
We may change our Privacy Disclosure from time to time. We will provide current customers with a revised disclosure that describes the new practices should we broaden our information sharing practice about you.

SPECIAL NOTICE FOR CALIFORNIA RESIDENTS
In order to comply with California law, if your account has a California address we will not disclose information that we have about you with non-financial companies outside of our family of companies, unless otherwise permitted by law.

SPECIAL NOTICE FOR VERMONT RESIDENTS
In order to comply with Vermont law, if your account has a Vermont address we will not disclose nonpublic personal financial information about you to nonaffiliated third parties, other than permitted by law, unless you authorize us to make that disclosure. Your authorization must be in writing or, if you agree, in electronic form. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only share information about your name, contact information, and our own transactions and experiences with you.

QUESTIONS
If you have any questions regarding this Privacy Disclosure, you can contact us at 702-735-5300 or write us at:

Load-n-go Customer Service
3960 Howard Hughes Parkway
Fifth Floor
Las Vegas, NV 89109

Privacy@load-n-go.com