SMS Statement Notifications Disclosure

Terms & Conditions of Use and Disclosures

Thank you for visiting this web site, which is owned and operated by Care Cash

Express. Care Cash provides and maintains this site for your personal information. By

accessing and using the site, you accept and agree, without limitation, to the below

terms and conditions. Care Cash Express reserves the right at its sole discretion, to

change, modify, add or remove portions of these Terms of Use, at any time. It is your

responsibility to check these Terms of Use periodically for changes. Your continued use

of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, Care Cash Express grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.

Care Cash Express SMS Text Alerts

This SMS Statement Notifications Disclosure ("Disclosure") applies to each account you have with Care Cash Express for which you have elected to receive Short Message Service (SMS) text alerts.

1. The words "we,", "us," and "our" refer to Care Cash Express along with its agents,

with whom Care Cash Express has contracted to facilitate payments to your

Account(s). The words "you" and "your" mean you, the individual identified on the

account(s) you have with us ("Account(s)"). As used in this Disclosure, "SMS

Statement Notifications" means any SMS (text message) communication from us to

you pertaining to your Account, including, but not limited to, payment information,

account information, due dates, delinquent accounts, program updates, promotions,

coupons and other marketing messages.

2. How to UNSUBSCRIBE. You may withdraw your consent to receive SMS Statement

Notifications by texting

'STOP' to 979.457.4112 at any time.

You also have the option to withdraw your consent by updating your preferences on

the Account Setting page within www.carecashexpress.com. You may also call us at

979-457-4112. The providing of an invalid mobile phone number, or continuous

malfunction of a previously provided mobile phone number, as a withdrawal of your

consent to receive SMS Statement Notifications. We will not access any fees on your

account to process a withdrawal of your consent to receive SMS Statement

Notifications. Only after we have had reasonable time to process your request for a

withdrawal of SMS Statement Notifications will the request be effective.

3. How Do I Sign Up for Text Messages from Care Cash Express?

You will be presented with the option to Opt-In to SMS Messaging when entering

into your first agreement with Care Cash Express. Please read and agree to the

Terms and Conditions. Finally, opt-in to Text Messages by clicking the appropriate

check box and entering your mobile phone number (if you have not already done

so). Click the "Update" button and you're all set. You'll receive a text message from

979.457.4112 to validate your opt-in. Text back "YES" to activate Care Cash Express

text updates. By signing up you will receive twelve (4) messages per month. These

messages are not mobile spam. This service is a recurring message program.

4. How to Update Mobile Phone Contact Records.

It is your responsibility to provide us with a true, accurate and complete mobile

number and to maintain and update promptly any changes in this information. You

can update your mobile number by calling our office at 979-457-4112 or through

www.carecashexpress.com.

5. For HELP with SMS Services.

To request additional information, text "HELP"; to 979.457.4112 or contact us by

telephone at 979.457.4112 or email to contact@carecashexpress.com.

6. Service Availability.

This program is supported by Alltel, AT&T, Boost, Nextel, Sprint, T-Mobile, Verizon

Wireless, Virgin Mobile, and U.S. Cellular. Products & services are compatible with

AT&T handsets.

7. Hardware and Software Requirements.

In order to access, view and retain SMS Statement Notifications that we make

available to you, you must have:

 a SMS-capable mobile phone;

 an active mobile phone account with a communication service provider

 sufficient storage capacity on your mobile phone

8. Communications in Writing.

All SMS Statement Notifications in electronic format shall be considered "in writing"

to the extent allowed by law.

9. CHARGES.

There is no service fee for SMS Statement Notifications but you are responsible for

any and all charges, including, but not limited to, fees associated with text

messaging, imposed by your communications service provider. Consult your mobile

service carriers pricing plan to determine the charges for sending and receiving text

messages. These charges will appear on your phone bill.

10. Other Important Terms.

Additionally, you agree that we may send any SMS Statement Notifications through

your communication service provider in order to deliver them to you. You agree to

provide a valid mobile phone number for these services. You further agree to

indemnify, defend and hold us harmless from and against any and all claims, losses,

liability, cost and expenses (including reasonable attorneys fees) arising from your

provision of a mobile phone number that is not your own or your violation of

applicable federal, state or local law, regulation or ordinance. Your obligation under

this paragraph shall survive termination of the Agreement. SMS Statement

Notifications are provided for your convenience only.

We will not be liable for losses or damages arising from any delay in delivery or

disclosure of account information to third parties by your communication service

provider We may modify or terminate our text messaging services from time to

time, for any reason, and without notice, including the right to terminate text

messaging with or without notice, without liability to you, any other user or a third

party.. We reserve the right to modify these Terms of Use from time to time without

notice. Please review these Terms of Use from time to time so that you are timely

notified of any changes.

11. Changes in Terms and Conditions and Care Cash Express Text Messaging.

We may modify or terminate our text messaging services from time to time, for any

reason, and without notice, including the right to terminate text messaging with or

without notice, without liability to you, any other user or a third party. We reserve the

right to modify these Terms of Use from time to time without notice. Please review

these Terms of Use from time to time so that you are timely notified of any changes.

Use of cookies and online data:

In order to provide better service, our web site uses a software “cookie.” A cookie is a

small piece of information which a web site stores in the web browser of your PC and

can later retrieve. A cookie cannot be read by a web site other than the one that set the cookie. Many cookies only last a single session or visit. You can set your web browser to inform you when cookies are set or to prevent cookies from being set. However, our web sites operate better when you allow our cookies to be set. We use cookies for a number of administrative purposes.

Security:

As a condition of your use of this Site, you agree that you will not, and you will not take

any action intended to: (a) access data that is not intended for you; (b) invade the

privacy of, obtain the identity of, or obtain any personal information about any Care

Cash Express customer or user of this Site.

Children’s Policy:

We do not knowingly collect, maintain, or use personal information from our web sites

about children under the age of 18.

Email Policy:

When you apply for a payday loan, cash advance, installment or title loan or contact us

online, we will retain your e-mail address to facilitate communication in order to provide

you with information about your account, complete a service you have requested,

inform you of other services, and to better serve you. We will not send information such as account numbers or social security numbers in an email. When you give us your e-mail address we may allow you to choose opt out. We will provide a way for you to tell us to stop sending email. We will retain your email messages to us in order to meet regulatory and legal requirements.

Electronic Disclosure

By submitting your information via the Internet, you agree to receive certain

notifications, disclosures and/or documents electronically. This Consent to Electronic

Disclosures applies to the information you are providing on this Site and any other

communications we or any third party lender may provide to you. By submitting your

information, you agree to receive all such notifications, disclosures and/or documents

from us or any third party lender in electronic form or online in accordance with this

document. You may withdraw your consent prior to submitting your information by

exiting the website or by closing your browser. However, you will not be able to submit

your information if you withdraw your consent by exiting the website or closing your

browser. Following the submission of your information, you may be able to withdraw

your consent to future electronic disclosures from a third party lender by contacting the lender directly, but due to rules regarding the timing of delivery of disclosures that

need to be made to you, you acknowledge that an opt-out notice may not be received

and acted upon by such third party lender prior to such disclosures being delivered to

you electronically. We do not process opt-out communications for third party lenders,

and each third party lender establishes its own rules regarding opting out of future

electronic communications and disclosures. In Texas, Care Cash customers can contact

Care Cash Express at 979-457-4112 or by email at contact@carecashexpress.com. All

notifications, disclosures and/or documents that we or any third party lender provide to you in electronic format will be provided either (a) via e-mail; (b) by access to a secure customer service website which will be provided to you in an e-mail notice sent to you when the documents are available; (c) by posting on this Site or the lender’s site; (d) by SMS text messaging to your mobile device; or (v) by posting on a website

designated for that purpose. You should print a copy of all electronic disclosures and

agreements for your records. You may obtain any notifications, disclosures and/or

documents in paper form without charge from us by printing them yourself from our

website or the appropriate third party lender’s website when available. To access, view

and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have Internet access, sufficient electronic storage capacity, an e-mail account with an Internet service provider e-mail software. You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (a) your consent to receive notifications, disclosures and/or documents in electronic form; (b) the information you provide, and (c) our and/or any third party lenders' ability to conduct business with you by electronic means. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that all records may be stored electronically; and that neither we nor any third party lender will retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all notifications, disclosures and/or documentation.

Third Party Sites

In certain circumstances (outside of a selected geographic region in Texas where we

operate as a CAB – Credit Access Business), we act as a limited agent for the actual

third party lender or seller of the products and/or services available at or through the

website. In these circumstances: (a) you will be redirected to the applicable third party

lender's or seller's website after you have submitted your information; (b) we will collect and send your personal information to the respective third party lender or seller in connection with completing your application or purchase from the third party lenders or seller, as applicable; and (c) your application or purchase will subject you to the third party lender's or seller's privacy policy, as applicable. We do not endorse, nor are we responsible for the accuracy of the privacy policies and/or terms and conditions of each of the third party lenders or sellers that may advertise at the website. The entities that advertise and/or place banner ads at the website, including but not limited to these third party lenders and sellers, are independent third parties and are not affiliated with us. In addition, our website contains links to other third party websites and note that their privacy policy will govern the collection and use practices while on their website. 

Loans in Texas arranged by Care Cash Express and made by, and subject to the approval of, an unaffiliated third party lender. Not all consumers will qualify for a loanor for the maximum loan amount. All loans subject to approval pursuant to standard underwriting criteria. Terms and conditions apply. Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Loan approval is subject to standard underwriting criteria. Loan funding requires

verification of application information. Depending on ability to verify this information,

loan funding may be extended up to three days. Annual Percentage Rate (APR) varies

and is based on state, loan term, loan funding date and other underwriting

considerations.

What happens if I fail to make a timely payment on my loan or credit services

transaction? Failure to make a timely payment on your loan or credit services

transaction can have several consequences, including the following:

 Financial Implications - You may be assessed a late fee if you fail to make your

payment by a specified period following its due date and you may be assessed with

a returned item charge if any check or electronic payment we submit on your behalf

is returned unpaid (late fee and returned item fees vary by state – see your

transaction agreements for additional details).

Collection Activity – We may attempt to collect any delinquent amount through our

standard collection practices, which include contacting you by phone, mail, SMS or

email. We may also exercise any of our rights under our loan or credit services

agreements with you. If we are unable to collect any delinquent amount you may

have with us through such actions, we may also sell our debt to a third party debt

buyer or engage a collection agency, who may also institute collection activity with

you.

Impact on Your Credit Score – Care Cash Express does use alternative credit

reporting agencies such as Microbilt and CoreLogic Teletrack. Failure to make timely

payment on your loan may reduce your score with such agencies, and prevent you

from receiving credit or other services from a provider that uses such agencies.

Renewal of your Loan – We do not automatically renew any of our loans or credit

services transactions. Where refinances or renewals are available (varies by state),

you may obtain a refinance or renewal of your loan or credit services transaction by

logging in to your account prior to your due date and applying for a renewal or

refinance. In connection with any renewal or refinance, you will be required to e-

sign new transaction agreements for such renewed or refinanced transaction and

our standard rates for loans or credit services transactions will be assessed on such

renewal or refinance (varies by state – see posted fee schedules).