Privacy Statement

OUR PLEDGE TO YOU

NoteWorld LLC dba NoteWorld Servicing Center (“NoteWorld”) knows you expect privacy and security for your nonpublic personal information. We respect your privacy and are committed to treating your information responsibly.

INFORMATION WE COLLECT ABOUT YOU
In order to perform the services you have requested, we will ask you to provide us with certain information, such as your social security number, bank account information, home address, and date of birth. We may collect this information from you over the telephone, via the internet, via e-mail or by asking you to complete a Sign-Up Agreement or other related document(s). We also may receive information about you from a third party that provided services to you prior to NoteWorld or related to NoteWorld’s services.

INFORMATION WE SHARE ABOUT YOU
The information we collect about you may be shared with other third parties, on a need-to-know basis, to perform the services authorized by the Sign-Up Agreement and to help you manage your accounts. To the extent we use any third parties to assist us in providing services to you and those services require us to disclose any of your nonpublic personal information, we will require the third party service provider to execute an agreement to protect the confidentiality of your information to the same extent set forth herein. The third parties with whom we may share your information, include:

Members of the NoteWorld family of companies (affiliated companies)
Your creditor(s)
Your Debt Settlement Company
Your bank or financial institution
NoteWorld’s bank or financial institution
Other non-affiliated third parties that may assist us in providing services to you or that may help us with our business operations
Other non-affiliated third parties for predictive analysis intended to assist us in learning more about our customers and to assist us with our overall marketing efforts
Other parties with your consent or by your direction

We may also share your information with law enforcement officials, government officials, or other third parties when (1) we are compelled to do so by a subpoena, court order or similar legal process; (2) we are required to comply with the law; and/or (3) we believe in good faith that the disclosure of your information is necessary to prevent physical harm or financial loss, to report suspected illegal activity. For the purpose of marketing analysis, we may use portions of your information for internal statistical reporting on our client base. This type of analysis would not reveal any information that would identify you personally.

HOW WE PROTECT YOUR INFORMATION
We maintain the highest standards of physical, electronic, and procedural safeguards to protect your non-public personal information. In all cases, we will make a reasonable effort to limit the collection of information to that which is required in order to deliver quality service to you. NoteWorld will not sell or market your nonpublic personal information to third parties without your consent and will not share information about you with non-affiliates (companies outside the NoteWorld family of companies) except as otherwise set forth herein or as permitted by law.

SPECIAL NOTICE FOR CALIFORNIA RESIDENTS
We will not disclose information we collect about California residents to non-affiliated third parties, except as follows:

With the authorization or consent of the California resident;
To service the resident’s account; or
As permitted by law.

SPECIAL NOTICE FOR VERMONT RESIDENTS
In accordance with Vermont law, we will not disclose information we collect about Vermont residents to unaffiliated companies and will not disclose application and third-party credit-related information about Vermont residents to our affiliated companies except as follows:

With the authorization or consent of the Vermont resident;
To companies that perform marketing or other services on our behalf;
Name, contact and transaction and experience information (such as account balance and payment history) to other companies with which we have joint marketing or servicing agreements; or
As permitted by law.

FORMER CUSTOMERS
We do not share information about our former customers with companies outside our organization except as permitted by law.

CHANGES TO THE PRIVACY POLICY
We may amend our Privacy Policy at any time. We will provide current customers with a revised disclosure that describes the new practices as required by law.

YOUR RIGHT TO OPT-OUT OF DISCLOSURES TO NON-AFFILIATED THIRD PARTIES
If you prefer that NoteWorld not share your nonpublic personal information with non-affiliated third parties, you may choose to opt-out (or ask us not to share information) at any time, although we may still disclose your information as permitted by law. To opt-out, simply notify us by calling our Customer Service Department at (800) 535-9192 or by writing to us at NoteWorld Servicing Center, Customer Service Department, P.O. Box 2236, Tacoma, WA 98401. Please include your account information. Your opt-out request will become effective as soon as reasonably practicable after we receive it.

HOW TO CONTACT US WITH YOUR PRIVACY QUESTIONS
We appreciate your business and want you to understand our commitment to maintaining the privacy of your nonpublic personal information as expressed in our Privacy Policy. If you have questions about this Privacy Policy please contact our Customer Service Department at (800) 535-9192.

Texas Residents Only: After first contacting NoteWorld LLC, if you still have an unresolved complaint regarding the company's money transmission, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, TX 78705,1-877-276-5554, www.banking.state.tx.us.

* This privacy policy and its contents pertain to you and, if this account is held jointly, to each of the joint account holders. A joint account holder may request that a separate notice be sent to him/her at a different address.