Privacy Policy

Client Privacy Code

We, at Express Ca Corp value you as a client and take your personal privacy seriously. As such, we would like to inform you of our policies for collecting, using, securing, and disclosing your personal information. It is our intention to manage and handle information in a manner consistent with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and other relevant privacy legislation to the extent required by law.

Personal information is information about an identifiable individual, but does not include the name, title or business address or business telephone number of an employee of an organization. Personal information does not mean information that does not identify a particular individual, such as aggregate statistics or anonymous data, or information about a corporation, organization or non-individual.

The personal information we collect depends on the service you request. We may collect personal information about you from the following sources: information we receive from you on applications or other forms, such as your name, address, social insurance number, marital status, assets and income; information from your employer, regarding your business relationship with us; and, information we receive from other third parties, such as credit reporting agencies and other financial institutions, relating to your initial and on-going eligibility for our or connected services, such as Western Union or City Phone Services.

We collect, use and disclose your personal information to: (a) meet legal and regulatory requirements; (b) authorize and process your transactions; (c) detect and prevent fraud and help safeguard the financial interests of Express Ca Corp and its clients; (d) develop, offer, and manage the various products and services provided by our company; (e) maintain adequate accounting, tax and business records, to assess the quality and quantity of our products and services, and to have information in a form that may be sold or leased to a trustworthy third party and (f) send you information on products and services* that may be of interest to you. We collect, use and disclose information that we believe is reasonable for the above purposes or those purposes indicated to you at the time the information is collected. * Limited to payday loan information for payday loan Customers

We may provide your personal information to a third party in the following limited circumstances:

• where we have your consent, whether express or implied
• where we want to determine your eligibility for the products or services you have requested
• where we are required or permitted, by law or our regulators, to do so
• in the unlikely event of a sale or lease of our business, in whole or in part, or a corporate reorganization
or
• where such third party assists us in serving you.

In such cases we will make disclosure to the extent that is necessary to accomplish the required purposes or discharge our regulatory, legal or public duty. We will endeavor to obtain from the third party receiving the information to provide reasonable assurances that it will respect the privacy of personal information in accordance with applicable laws. As certain of our operations are conducted in the United States of America and certain of our service providers may have operations outside of Canada, your information may be sent outside of Canada by secure electronic or other means. In the event that your information is sent outside of Canada, there is a remote possibility that it may be accessed by the courts, law enforcement and national security authorities of the jurisdiction where it is sent.

Our security safeguards are designed and maintained to protect your personal information against loss or theft, as well as unauthorized access, use, copying, modification, disclosure or disposal. Our current methods of protection include:

• physical measures including restricted access to branches, alarm systems, and secure filing cabinets
• technological measures for electronic transfers including our email and point of sales systems running on a VPN with a minimum of 128 encryption and a firewall, and our POS system requiring several passwords including a sequel server
• organizational security measures including security clearances, limiting access to a 'need to know' basis, staff training, and required confidentiality agreement and
• investigative measures, should Express Ca Corp have reasonable grounds to believe that personal information is being inappropriately collected, used or disclosed.

Express Ca Corp protects personal information regardless of the format in which it is held.

The length of time we retain your information varies depending on the services you have requested and your relationship with us. We keep information for so long as it is reasonably required by us or legally necessary for us to retain such information. Your information is confidentially destroyed, deleted, erased or converted to an anonymous form when reasonably appropriate.

We will provide you access to the personal information we have about you. If you require information, simply contact our Privacy Officer. We will advise you in advance if a minimal charge will be required and will respond to your request within 30 days. Please note that we may not be able to provide information about you from our records if it contains references to other persons, is subject to legal privilege, contains information proprietary to us, is too costly to retrieve, or cannot be disclosed for other legal reasons.

Having accurate information about you enables us to give you the best possible service. You can help by keeping us informed of any changes, for instance if you move or change telephone numbers. If you find any errors in our information about you, let us know and we will make the corrections immediately and make sure they are conveyed to anyone we may have misinformed. For information that remains in dispute, we will note your opinion in our file. Requests can be made through the client's local branch, website or the Privacy Officer.

Subject to legal or contractual restrictions and reasonable notice, you are free to refuse or withdraw your consent to the collection, use or disclosure of your personal information at any time. You may do so by contacting our Privacy Officer. However, once you are using our service you may not be able to withdraw your consent. For example, once you have entered into an agreement with us for a commercial cheque cash advance, you will not be able to withdraw your consent for Cash Money. You may also wish to limit the amount of personal information we collect, use or disclose about you. However, by doing so, we may not be able to provide our services or connected services to you. You may opt out of receiving marketing information at any time.

In general, you may visit Express Ca Corp on the web without telling us who you are or revealing any information about yourself.

We may, however, collect non-personally identifiable information from you when you visit our web site. This includes your domain name, the IP address of the web page from which you enter the site, the pages you visit on our site and the amount of time you spend there. This information is used to improve the content of our web site and customize the content and/or layout of our web site for our visitors.

From time to time, we may utilize cookies or scripts on our web site. You may disable these features, but by doing so, you may not be able to utilize the services we provide on our web site.

We collect the e-mail addresses of those who communicate with us by e-mail and information volunteered by our visitors. The information we collect is used to improve the content of our web site and to contact these visitors, if they have requested to be contacted.

From time to time, we may partner with ad servers. In doing so, we will only share non-personally identifiable information about our visitors. As well, from time to time we may provide links to other web sites that may be of interest to our visitors. However, we cannot and do not guarantee that their privacy policies are adequate or equivalent to ours. In order to protect your privacy, we recommend that you read each page's web site privacy policy carefully before making the decision to share information and only share information with companies that you trust will protect your privacy.

We may amend our Client Privacy Code from time to time. If it changes at some point in the future, we will publish the changes on the version posted on our web site and in our branch lobbies. An up-to-date version of our Client Privacy Code will be available for handout at our branches.

Our Privacy Officer is your point of contact if you wish to raise any matters regarding our collection, use, storage or disclosure of your personal information. For information, questions or concerns on Express Ca Corp privacy practices contact:

Privacy Officer: Lucy Balogun
Telephone: 1 844 445 0777
Facsimile: 905 455 0777
Email: cashprivacy@expresscapays.ca
Website: www.expresscapays.ca

Our Privacy Officer has the decision-making authority to resolve most concerns. If you are not satisfied with our resolution of your privacy matters, you may address your concerns to the Privacy Commissioner of Canada at http://www.privcom.gc.ca.