YadYap LLC Privacy Policy Effective May 1, 2010

YadYap LLC makes keeping your personal data and information protected a top priority. All information transmitted, printed or otherwise submitted to us shall be deemed to be our property and we shall be free to use such information for any lawful purpose described herein, and for other purposes as required or permitted by law.

Please read this notice carefully. This notice provides important information about the way we collect, share, and protect your information. This privacy notice applies to consumers, current customers and former customers. We must notify you about our sharing practices when you establish a customer relationship and each year while you are a customer. A customer relationship begins when you obtain a financial product or service from us. A customer relationship terminates when you pay off a transaction in full.

Personal Information We Collect and May Disclose

We collect non-public personal information about you from you and from other sources. Our primary goal in collecting your information is to provide you with the best financial products and services. Your information also helps us to improve your experience with us. We collect and/or track the following types of information:

• Information we receive from you on applications or other forms, such as your name, address, telephone number, social security number, driver’s license number, email address, employment information and history, bank account information, and information about your assets, debts and income;
• Information about your transactions with us, our affiliates, or others, such as your account history, transaction balances, payment history, overdraft history, and parties to transactions;
• Information we receive from third parties, such as consumer reporting agencies, your employer and other lenders, regarding your creditworthiness and credit history, and to verify your identity or representations made by you.

Categories of Third Parties to Whom We May Disclose Personal Information

YadYap LLC may share or sell information we collect with any other company affiliated with YadYap LLC and with other companies with whom YadYap or any of its affiliates does business as permitted by law and described in this Privacy Notice. These affiliated companies and non-affiliated third parties may be (1) financial service providers, such as mortgage bankers, mortgage brokers, consumer lenders, collection agencies, insurance agencies, or agents, contractors, or representatives of any of the foregoing; (2) non-financial companies, such as retailers, advertisers, marketing companies, or agents, contractors, or representatives of any of the foregoing; and (3) other businesses, such as non-profit organizations, trade associations, and industry analysts or agents, contractors, or representatives of any of the foregoing.

We may also disclose information we collect, as described above, to companies who perform services on our behalf or to other financial institutions with which we have joint marketing agreements.

YadYap LLC may also disclose information we collect to third parties that provide services to us. We contract with service providers to perform certain functions on our behalf. Examples include database providers who assist in identity verification, credit scoring companies, and direct marketers. 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 information we collect for other purposes.

We may also release information we collect if it becomes necessary for compliance with the law or to protect the rights, property, or safety of our websites, 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.

Your Right to Limit the Sharing of Your Information

In some circumstances, you have the right to direct YadYap LLC to not share your information with any affiliated or non-affiliated third parties. Please note that even if you exercise this right, YadYap LLC may still share your information with any affiliated or non-affiliated third parties as permitted or required by law. Also, YadYap LLC may share information regarding its transactions and experiences with you with its affiliated companies. YadYap LLC may also share all information it collects about you with affiliated or non-affiliated third parties: 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.

YadYap LLC is delivering this notice to you on behalf of itself and all other YadYap LLC Related Companies. You may limit how YadYap LLC uses your information.

Opt-Out Information and Notice

If you prefer that we not disclose non-public personal information about you to affiliated companies and non-affiliated third parties, other than as permitted or required by law, you may tell us not to make such disclosures. It you wish to opt out, contact us:

On the web: www.yadyap.com, or

By email: management@yadyap.com

Unless we hear from you, we can begin sharing information we collect thirty (30) days from the date we first deliver this notice to you. However, you may opt-out at any time by contacting us. Once we receive your opt-out request, we will stop sharing this information as soon as reasonably practicable. Your opt-out request will remain in effect until you notify us otherwise in writing.

How We Protect Your Information

We restrict access to your information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your information.

Our Right to Contact You

We reserve the right to contact you regarding your account status and changes to subscriber agreements, our privacy notice, or any other policies or agreements relevant to you. By visiting our websites, you understand and agree that we may contact you at the phone number or email address you provide to us through our websites or on your transaction agreements, applications, loan documents or any other document to assist you with your product or to discuss other products and services that a YadYap LLC related company may provide for you.

Our Right to Change This Notice

We reserve the right to change this notice at any time by either providing you a revised copy of the notice, or notifying you of the existence and location of the new or revised privacy notice.