The North American Title Loans Privacy Policy

Effective Date: January 1, 2014

As your financial needs provider, North American Title Loans is committed to safeguarding the individual privacy rights of all of its customers. North American Title Loans strongly believes that it has a responsibility to protect from disclosure to any unauthorized parties, your nonpublic and personal information. This policy applies to each and every customer. Therefore, North American Title Loans has adopted and implemented this privacy policy to protect your account and your personal information. As our customer, we collect and receive nonpublic personal information about you. This includes information such as your name, Social Security Number, birth date, assets, and income.

Information Collection

North American Title Loans will collect the following kinds of nonpublic personal information about you during the loan application process:

• Information we receive from you on applications or other forms, such as your name, date of birth, contact information, income and obligations;
• Information we receive from you about your transactions with us, our affiliates, or others, such as prior loans, terms, payoffs, and payment history;
• Information we receive from consumer reporting agencies, such as your credit history and credit worthiness; and
• Information we receive as a result of verifying your information with non-affiliated third parties, such as employment history and loan balances.

North American Title Loans only shares your information with third-party vendors who have been carefully selected for the purpose of verifying your identity, evaluating your application, and servicing your loan and who agree to maintain the privacy of your non-public information. These third-parties may include credit bureaus, identity verification services, and mail houses,

Cookies

North American Title Loans may via "session cookies" on its website use additional information to enhance the delivery of products, services, and information. A cookie is a small file that North American Title Loans transfers to customers' computer hard drives. Cookies also enable North American Title Loans to ensure that only a customer's web browser may exchange information regarding a customer's account with North American Title Loans's servers. Session cookies are temporary files that are erased when customers close all web browsers. North American Title Loans does not use "persistent" cookies. These cookies do not contain any personally identifiable information. North American Title Loans's use of session cookies enables North American Title Loans website customers to avoid the problem of being asked to provide the same information repeatedly while customers move from page to page on North American Title Loans's website; Cookies are required to operate the My Accounts feature. You can have your Web browser disable "cookies." If you turn off "cookies," it is not possible for us to offer you the My Accounts service. My Accounts provides online access to consolidated information about all of your accounts with North American Title Loans. In addition, North American Title Loans may track the aggregate number of e-mails from us that you read and whether any of the links in the e-mails were accessed.

Do Not Track

North American Title Loans and its affiliates use Google Analytics to collect only general information, such as page visits and site performance on our website. Parties other than North American Title Loans and its affiliates do not collect personal private information on North American Title Loans's site visitors, except as disclosed in this Privacy Policy above. North American Title Loans does not respond to do-not-track signals or mechanisms.

No Information Sharing Policy

We do not disclose any nonpublic personal information that we collect about our customers or former customers, as described above, to anyone, except as permitted by law.

North American Title Loans's Security Policy

Securing of a customers' nonpublic personal information is very important to North American Title Loans and our employees must sign a privacy pledge acknowledging that that they are aware of North American Title Loans's policy regarding the use of and disclosure of customer information. Furthermore, North American Title Loans has implemented various security measures to protect our customers' personal information from loss, misuse, or alteration. When customers send their personal identifying information to North American Title Loans via North American Title Loans's website, North American Title Loans requires that a secure session be established first, using Secure Socket Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized persons from viewing any private information being transmitted during your application process. Information transmitted between the North American Title Loans server and your computer must be sent only while in a secure mode or North American Title Loans will have no responsibility for any loss or exposure of personally identifying information to unauthorized third parties during a secure SSL session, data passed between the customer's computer and North American Title Loans's servers are secured through the use of public key cryptography. The customer's computer exchanges key information with North American Title Loans's servers to create a private conversation that only the customer's computer and North American Title Loans's servers may understand. To benefit from SSL protection, customers must use a browser with SSL capabilities. This method of information transfer will apply when the customer is entering in personal information, execution of and submittal of the online promissory note, for validation and verification purposes during your communications through our server and processing systems.

While using North American Title Loans's website, customers will be notified upon entering and leaving a secured session, unless the setting is turned off on the customers' browser. After leaving a secured session, information transmitted to North American Title Loans will not be secure. For security purposes, North American Title Loans uses special software programs to monitor web site traffic and to identify unauthorized attempts to upload or change information or otherwise to cause damage to North American Title Loans's websites. These programs do not collect personally identifying information about customers, but do enable North American Title Loans to collect information allowing North American Title Loans to identify website users attempting to tamper with North American Title Loans's websites. North American Title Loans has policies in place against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful utilization of North American Title Loans's websites and computer systems and will seek the maximum enforcement of state, federal, and international criminal and civil laws against any individual engaging in such activity. Please note that when customers send electronic mail messages (e-mail) to North American Title Loans, the customers' messages will contain the customers' return e-mail address. Thus, North American Title Loans may utilize customers' e-mail addresses in responding to customer inquiries and the content of customers' e-mail in formulating a response. North American Title Loans will permanently record and store any substantive e-mail received from its customers. Customer e-mail sent to North American Title Loans is not necessarily secure against interception. Do not initiate communication with North American Title Loans by email if your communication will include nonpublic personal information like your Social Security Number, bank account number, or other personally identifying information that you wish to protect. Although North American Title Loans strives to protect and secure information submitted to it over the internet, your use of this website is strictly at your own risk. North American Title Loans makes no representations that it can guarantee the security of any information sent by the users of this website during an unsecured session. North American Title Loans protects the security of its servers but cannot be responsible for any virus, spy ware, ad ware, malicious codes and /or hacker activity that may result in damage to your computer or theft of your identifying information.

Additional Security Feature of Shared Secrets

Shared secrets are a security method for accessing confidential information. A shared secret is something known only to the user and the holder of the confidential information. Shared secrets usually consist of a user ID and password. These shared secrets allow the user to log into the site of the holder of confidential information such as a Credit Card issuer or financial institution. Shared secrets are necessary for a safe and dependable online authentication procedure. In order to minimize potential compromise of your shared secrets, you should create passwords that are a combination of both letters and numbers.

Information Retention Policy

North American Title Loans will maintain electronic and hardcopy loan application information for funded/closed/withdrawn and declined loans for a period of years in accordance with all mandated federal and State Laws. If you would like to receive copies of any such information, you must notify North American Title Loans in writing with your request so that the proper authentication and forwarding information can be verified. If you wish to update or change information that North American Title Loans maintains about you, please write to us at North American Title Loans, 3440 Preston Ridge Rd., Suite 500, Alpharetta, GA 30005 and indicate your updates and changes. Please include your loan number, name, and the email address or telephone number where you may be reached.

Changes to This Privacy Policy

Material changes to this Privacy Policy will be announced on the main page of our website at www.northamericantitleloans.net.