This agreement is effective as of July, 2008 and replaces any previous Privacy Policy for CardFlex Financial Services.

At CardFlex Financial Services we recognize that the trust of our customers is one of our most important assets. As such, our primary goal is to deliver innovative payment products and world-class service while ensuring the integrity and sanctity of our customer's privacy. The following outlines some of the steps that we take on a daily basis to ensure that our customer's information is secure, private, and used only in a manner consistent with our customers’ wishes. This privacy policy extends to all prepaid card services managed by CardFlex Financial Services.

Safeguards Taken – We will safeguard, according to our standards of security and confidentiality, any and all information our customers share with us. CardFlex Financial Services uses advanced security processes and technology designed to keep your information secure. In particular, we have strict policies regarding information that is used by our employees and partners to ensure your information is kept secure.

Data Collected – We collect nonpublic personal information about you from the following sources: (i) Information we receive from you on applications or other forms, (ii) Information about your transactions with us, or others such as your account balance, transaction history, parties to transactions and Prepaid Card usage, and (iii) Information we received from third parties, including government agencies, consumer-reporting agencies such as your tax identification number and credit worthiness and credit history. We advise our customers about the general uses of the information we collect about them, and we will gladly and promptly provide additional explanation if our customers request it.

Access To Information – We will permit only authorized employees, who are properly trained in the appropriate handling of sensitive customer information, to have access to that information, and only if required by their business responsibilities. Employees who violate our Privacy Policy are subject to our disciplinary process, up to and including termination.

Opt Out – We give our customers choices as to how their information is used, if at all. We provide our customers with the opportunity to remove their names used for mail, telephone or online marketing upon initial customer contact and subsequently on an annual basis. This opt out choice includes products and services offered by CardFlex Financial Services and our affiliate marketing partners, and customers may opt out by contacting us via U.S. mail at:

CardFlex Financial Services
2900 Bristol St F-206
Costa Mesa, CA 92626
or telephone at (866) 634-3044.

Disclosure – We may disclose aggregate information about our customers and former customers to third parties with whom we may have a marketing agreements, or those companies who perform marketing services on our behalf. This includes all information we may collect directly or indirectly from you.

Release of Information – Except as outlined in this Privacy Policy, we limit the release of customer information. In addition to providing our customers with the opportunity to opt out of marketing offers, we release information only with the customer's consent or request, or when we are required to do so by law or other regulatory authority. When a court order or subpoena requires us to release customer information, we notify the customer promptly in order to provide the customer with the opportunity to exercise their legal rights. The only exception to this policy is when we are prohibited from notifying the customer by law or due to a court order, or in cases in which fraud, money laundering and/or criminal or illegal activity is suspected.

Consent – By providing my personal contact information or clicking 'Get Card Now' on www.cardflexprepaid.com, I give my express consent to receive marketing communications via direct mail, email, telephone, pre-recorded message, text message, and instant message from CardFlex Financial Services. To change my communication preferences or to discontinue receiving any messages, I may visit www.cfinc.com or call 866-634-3044 at any time.

Cookies – Our website requires the use of cookies, pieces of information that a website places in a file associated with our customer's may be used to deliver content specific to their interests and for other purposes, such as security and other account administrative functions. For example, cookies are used to store customer preferences for certain types of information so that they do not have to input it every time they visit our site. Our cookies are encrypted and do not contain nor track personal identifying information; none will contain information that will enable anyone to contact our customers via telephone, e-mail or any other means. CardFlex Financial Services cannot control merchant sites use of cookies or be held responsible for those merchant's policies regarding the use of cookies. We may collect "referrer" information, IP addresses, and various environmental variables.

Security – The CardFlex Financial Services website has security measures in place to protect the loss, misuse and alteration of the information under its control. All personal and account activity information collected on and used by the www.cfinc.com and other supported customer service web sites are not accessible by the public or via the Internet. All accesses to our databases wherein personal information are kept are logged for security purposes and access is limited to key personnel. All personal information, account activity and purchasing activities are protected via user names and passwords. All user-specific activities (those that are accessed during and after a user logs-in with their user name and password) are protected using a secure communications encryption technology called SSL.

SSL (Secure Socket Layer) is a security feature that creates an encrypted connection between the client (your computer) and our server (www.cfinc.com), which prevents the interception and inappropriate use of this critical data. Transactions through a server using SSL are far safer than using a credit card at other retail establishments. It is much easier for credit card thieves to sift through trashcans at banks or retailers than to harness the genius and super computing power necessary to decrypt the small bits of secure data transmitted during an SSL connection. The point is that our customer's greatest risk for exposure of personal or financial information and transactions is NOT the use of properly secured sites such as www.cfinc.com, but rather from information made available by their everyday activities.