1. Liability for Unauthorized Transactions. The extent of your liability for an unauthorized transaction may be determined by your promptness in notifying us if a payment or withdrawal shown in your bank account is incorrect or unauthorized. Failure to notify us immediately if an error has occurred may waive our liability for or ability to correct such errors.
   
   
2. Notifying "Lender" of Errors and Unauthorized Transactions. If you believe there has been an error or unauthorized transaction, contact us by phone, email or through our website as soon as possible. We will advise you of the results of our investigation within 10 business days of hearing from you, and if we have made an error, we will correct it promptly and at no cost to you, provided such error was brought to our attention on an immediate basis.
   
   
3. Our Liability for Errors. We will reimburse you for any NSF or other charges that your bank may have charged you as a result of an unauthorized transaction or a transaction sent in error by us upon completion of our investigation. Your account will also be credited any fees that we may have collected from you in error.
   
   
4. Loan Repayment. If an error results in money you owe per the loan agreement not being repaid, then we reserve the right to correct the transactions that were incorrectly executed, regardless of the nature and cause of the error, and to otherwise enforce your loan agreement.

IF YOU RESIDE OUTSIDE THE PROVINCE OF ALBERTA THE FOLLOWING WILL APPLY:

REFUNDS UNDER THE PAYDAY LOANS ACT, 2008
Under certain circumstances, you may demand a REFUND OF A PAYMENT YOU MADE under a payday loan Agreement WITHIN ONE YEAR OF HAVING MADE THAT PAYMENT. Either the licensee has received a payment to which it is not entitled or the licensee has engaged in prohibited conduct of such a serious nature that you are entitled to a refund of the cost of borrowing that you paid. To obtain a refund, you must have a notice demanding it to the business that you dealt with to get your payday loan. Your notice must set out your demand for the refund and the reason for it, as well as your name and telephone number. Note that THE BUSINESS HAS TWO (2) BUSINESS DAYS WITHIN WHICH TO PROVIDE THE REFUND TO YOU. YOU CAN CHOOSE TO COLLECT YOUR REFUND IN PERSON OR HAVE IT MAILED TO YOU.

Please contact the Consumer Protection Branch of the Ministry of Small Business and Consumer Services for more information on when you may be entitled to a refund and how to make your demand for a refund. You may contact the Consumer Protection Branch toll free at 1-800-889-9768.

ACE Privacy Policy.
ACE Canada Holdings Inc. understands that your privacy is very important to you. We want every customer, associate, and vendor to know how we protect a customer's personal information and financial privacy. This policy exists so that everyone can understand what our business practices are in relation to the personal information under ACE's control.

Our privacy policy applies to our collection, use and disclosure of personal information of customers in Canada. Personal information means information about an identifiable individual, as more particularly described by applicable privacy laws. This policy does not apply to information about our employees or information that is not personal information.

Personal Information We Collect.
ACE and its representatives and agents collect personal information in a number of circumstances in the course of providing you with products and services and otherwise administering our business. We collect personal information primarily from you, for instance through loan applications and supporting information and documentation you provide. In connection with processing your loan application, we may collect personal information from references, employers and other financial institutions you have identified in your loan application as well as credit bureaus and other third party sources. We may also collect personal information about you through your ongoing interactions with us. Personal information we collect includes:

• information you provide to us on new customer cards, loan applications, account set-up screens, and other forms including your name, address, telephone number, email address, social insurance number (if provided), driver's license or other government photo ID, information about your employment, length at address, spouse or partner's contact information, references, salary, pay dates and other contact, financial or biographical information you provide to us;
• bank statements, phone bills, cheque or pay stubs and voided cheques;
• information about your transactions with us, our affiliates, or other nonaffiliated third parties, including how often you visit our stores, your recent transactions, size of checks, telephone requests, services purchased and other retail transaction information;
• information you provide to us on our website, including your name, address, email address and telephone number, to register for our website or receive marketing materials, or information you provide in an online survey; and
• other information we may collect with your consent or as permitted or required by law.

How We Use It.
ACE uses personal information in the course of its business including for the purposes of establishing and verifying identity and the accuracy and completeness of other information provided, verifying creditworthiness and determining eligibility for loan amounts, verifying and determining employment, references and contact information for underwriting, debt collection and fraud avoidance; servicing loans, providing ongoing services and responding to questions, contacting customers for the purposes of administering their account, confirming contact information and collecting debts, administering our business and maintaining records for reasonable periods, meeting legal, regulatory, insurance, security and processing requirements, preventing fraud or abuse, and otherwise with your consent or as permitted or required by law.

If you consent, we may also use your personal information to send you marketing materials or other information regarding ACE products and services. We may also disclose your personal information to affiliates or financial institutions with whom we have a joint marketing agreement, and with unaffiliated third parties who license ACE's software, so that they may send you information about their own products and services. If you no longer want to receive marketing materials from us or no longer want us to share your personal information as described above, please call 1-877-947-7922 or contact us at customerservice@zippycash.ca.

Who We Share It With.
ACE may disclose personal information to credit bureaus, credit reporting agencies and to your current or future creditors for the purpose of maintaining your credit history and providing credit references. ACE may disclose personal information to collect debts itself or to collect debts through collection agencies including affiliates acting in this capacity. ACE may disclose personal information to organizations who help us locate customers for debt collections purposes. ACE may also disclose personal information to financial institutions for payment processing purposes.

If you consent, we may also use your personal information to send you marketing materials or other information regarding ACE products and services. We may also disclose your personal information to affiliates or financial institutions with whom we have a joint marketing agreement, and with unaffiliated third parties who license ACE's software, so that they may send you information about their own products and services. If you no longer want to receive marketing materials from us or no longer want us to share your personal information as described above, please call 1-877-947-7922 or contact us at customerservice@zippycash.ca.

We may transfer personal information to outside agents or service providers (including affiliates of ACE acting in this capacity) so that they may perform administrative, marketing or similar services on our behalf, or otherwise collect, use, disclose, store or process personal information on our behalf for the purposes described in this policy. Some of these service providers or affiliates may be located outside of Canada, including in the United States, and your personal information may be collected, used, disclosed, stored and processed in the United States or elsewhere outside of Canada for the purposes described in this policy. Reasonable contractual or other measures we may take to protect your personal information while processed or handled by these service providers are subject to legal requirements in Canada, the United States and other foreign countries applicable to our affiliates, agents and service providers, for example lawful requirements to disclose personal information to government authorities in those countries.

ACE may use personal information and disclose it to parties connected with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets, for the purposes of evaluating and/or performing the proposed transaction. These purposes may include, as examples, permitting those parties to determine whether to proceed or continue with the transaction and fulfilling reporting, inspection or audit requirements or obligations to those parties. Assignees or successors of ACE may use and disclose your personal information for similar purposes as those described in this policy.

ACE may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law (including as required by applicable Canadian and foreign laws applicable ACE or our agents and service providers, and including lawful requirements to disclose personal information to government authorities in those countries).

Our Website.
For each visitor to our website, our Web server automatically recognizes and collects certain technical information about their visit, including the domain name from which information was requested and aggregate information on what web pages were accessed or visited. We use this information to improve the content of our website and to customize the content and/or layout of our pages for each individual visitor.

With respect to cookies: We use cookies to store visitors preferences, record user-specific information on what web pages users access or visit, and alert visitors to new areas that we think might be of interest to them when they return to our site. If you do not wish to receive cookies you may be able to configure your browser not to accept cookies or to notify you if a cookie is sent to you. If you decline cookies you may not be able to use all the features of our website.

With respect to Ad Servers: We do not partner with or have special relationships with any ad server companies.

Your Consent.
Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express (for example, orally, electronically or on a form you may sign describing the intended uses and disclosures of personal information) or implied (for example, when you provide information necessary for a product or service you have requested). You may provide your consent in some circumstances where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn your consent for an identified purpose, such as by using an "opt out" option provided, if any. Consent may be given by your authorized representative (such as a legal guardian or a person having a power of attorney). Generally, by providing us with personal information, we will assume that you consent to our collection, use and disclosure of such information for the purposes identified or described in this privacy policy, if applicable, or otherwise at the time of collection.

You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. Note that if you withdraw your consent to certain uses of your personal information, we may no longer be able to provide certain of our products or services. Note also that where we have provided or are providing services to you, your consent will be valid for so long as necessary to fulfill the purposes described in this policy or otherwise at the time of collection, and you may not be permitted to withdraw consent to certain necessary uses and disclosures (for example, but not limited to, maintaining reasonable business and transaction records, disclosures to Canadian and foreign government entities as required to comply with laws, and reporting on credit information after credit has been granted, if applicable).

ACE collects, uses and discloses your personal information with your consent, except as permitted or required by law. We may be required or permitted under statute or regulation to collect, use or disclose personal information without your consent, for example to comply with a court order, to comply with local or federal regulations or a legally permitted inquiry by a government agency, or to collect a debt owed to us.

Security.
ACE takes reasonable steps to protect your personal information using physical, electronic or procedural security measures appropriate to the sensitivity of the information in our custody or control, which may include safeguards to protect against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. Authorized employees and agents of ACE who require access to your personal information in order to fulfill their job requirements will have access to your personal information.

Contacting Us.
If you have any questions about our privacy policy or our personal information practices, or wish to make inquiries or complaints, you may write to ACE Canada Holdings Inc., c/o ACE Cash Express Inc., 1231 Greenway Drive Suite 600, Irving, TX 75038, Attention: General Counsel, or , e-mail us at customerservice@zippycash.ca or call 1-877-947-7922.

Access and Correction of Your Personal Information.
If you wish to request access or correction of your personal information in our custody or control, you may write to us at the contact information provided above. Your right to access or correct your personal information is subject to applicable legal restrictions. We may take reasonable steps to verify your identity before granting access or making corrections.

Privacy Policy Changes.
This privacy policy may be revised from time to time. If we intend to use or disclose personal information for purposes materially different than those described in this policy, we will make reasonable efforts to notify affected individuals, if necessary, including by revising this policy. If you are concerned about how your personal information is used, you should contact us as described above or visit this website to obtain a current copy of this policy. We urge you to request and review this policy frequently to obtain the current version. Your continued provision of personal information or use of our services following any changes to this policy constitutes your acceptance of any such changes. This policy is effective as of July 12, 2010.

Through the use of Zippy Cash, our clients are able to continue their daily lifestyles with the assistance of our friendly, knowledgeable staff. We promise to aid our clients in a timely manner leaving everyone with the satisfaction that clearly surpasses all expectations of a payday loan company experience.

It is important to us to make sure your information is kept secure and private. See our Privacy Policy for more information.