ELECTRONIC COMMUNICATIONS DISCLOSURE

CASHQ would like to correspond with you electronically regarding any and all accounts opened for you by CASHQ and regarding the debit card issued by, and funds held at, Stearns Bank, NA and inquiries in which you are the account owner, authorized signer, or authorized representative. In order to do so, your consent to receive these communications via electronic means is required.

"We," "us," and "our," means collectively, CASHQ, Stearns Bank NA and Productfy, Inc. "You" and
"your'' means the individual(s) or entity giving this consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any service or product that you apply for, use or access.
Please read this Electronic Communication Disclosure ("Disclosure") as it applies to all communications
and disclosures for the products, services and accounts made available by [Fintech Name] and offered by
Stearns Bank, NA. "Communications" means your debit card agreement (and any notices regarding
change in terms), periodic account statements, tax statements, disclosures, notice, error resolution
policies and notices, responses to claims, transaction history, privacy policies and notices and all other
communications related to the product, service or account, including but not limited to information that we
are required by law to provide to you in writing.

NOTE

By clicking the relevant approval button below the link to this disclosure in the application, you agree to
receive Communications electronically and represent and warrant that you are able to open a PDF file.
Electronic Delivery of Communications

You agree that we may choose to make Communications available only in electronic format, to the extent
allowed by law, unless and until you withdraw your consent as described below. All Communications that
we provide to you in electronic form will be provided either:
(1) via email;
(2) by access to a website that we will designate in an email notice we send to you at the time the information is available;
(3) to the extent permissible by law, by access to a website that we will generally designate in advance for
such purpose; or
(4) by requesting you download a PDF file containing the Communications.

We may not send you a paper copy of any Communications which is available electronically unless you request it, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic
Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, call us at the phone numbers listed below. We may charge you a reasonable service charge, of which we have provided you prior notice, for the delivery of the paper copies of any Communication provided to you electronically pursuant to this authorization.

Withdrawal of Electronic Acceptance of Communication

You may withdraw your consent to receive communications in electronic form by calling us at the number listed below. At our discretion, we may treat your provision of an invalid email address, or subsequent
malfunction of a previously valid email address, as a withdrawal of your consent to require electronic
Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

How to Update Your Records

It is your responsibility to keep your primary email address current so that we can communicate with you electronically. It is also your responsibility to provide us with true, accurate and complete contact information including but not limited to e-mail address, contact, and other information related to your application for any account. You can update information, such as your primary email address, by calling us at the phone number listed below.
System Requirements to Access Information
In order to access and retain electronic Communications, you must have
▪ A valid email address
▪ A personal computer, mobile, tablet or similar device with internet access and current browser
software and computer software that is capable of receiving, accessing, displaying, and either
printing or storing Communications received from us in electronic form
▪ Sufficient storage space to save Communications (whether presented online, in e-mails or PDF) or the ability to print Communications if you wish to print out and retain records on paper

Federal Law

You acknowledge and agree that your consent to electronic Communication is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the "E-Sign Act"), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Termination/Changes

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide Communications. We will provide you with notice of any such termination or change as required by law.

Contact Information

To receive paper copies of Communications, for assistance to open the Communications, to update your
contact information or to withdraw your consent, please call CASHQ at 1-954-456-4600.

Reasons we can share your personal information

For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes – to offer our products and services to you

For joint marketing with other financial companies

For our affiliates' everyday business purposes – information about your transactions, experiences and creditworthiness

For non-affiliates to market to you
Does Share?


Yes





Yes



Yes


Yes




No


Can you limit this sharing?


No





No



No


No




We do not share



Questions?

1. Call 1-954-456-4600
or
2. Visit us online: www.cashqbot.com


Who we are

Who is providing this notice?

256H LLC. dba CASHQ

What we do

How does CASHQ protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also attempt to limit personal information access to only employees, agents and representatives who need to know. Despite our best efforts, third parties may attempt to unlawfully intercept or access your transmissions to us or may persuade you to disclose information to them by posing as CASHQ or by misinforming you about our services. Always use caution and good judgment when sending money and when using Internet and mobile technologies.

How does CASHQ collect my personal information?

We collect your personal information, for example, when you

  1. send money or complete a payment
  2. provide account information or otherwise give us your contact information
  3. show your government issued ID
  4. use our online services (for example, to complete a transaction, manage your accounts, or provide your choices) or click on our online ads on other sites

We also collect your personal information from a variety of sources, including without limitation, computer systems; third party sources such as our business clients, government agencies and other suppliers of information; and consumer reporting agencies – all in compliance with and subject to the limitation of applicable law.

Why can't I limit all sharing?

Federal law gives you the right to limit only

1. sharing for affiliates' everyday business purposes—information about your creditworthiness
2. affiliates from using your information to market to you
3. sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.


Definitions

Affiliates Companies related by common ownership or control.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products to you.
OTHER IMPORTANT INFORMATION

STATE PRIVACY LAWS
We will comply with state privacy laws to the extent they apply to 256H LLC dba CASHQ services.

California residents: In accordance with California law, we will not share information we collect about you with companies outside of 256H LLC dba CASHQ except as required or permitted by law. For example, we may share information to service your accounts, complete requested transactions, or to provide rewards or benefits to which you are entitled.

CASHQ CALIFORNIA PRIVACY POLICY ADDENDUM

This CASHQ California Privacy Policy Addendum ("Addendum") sets forth the 256H LLC privacy policy applicable with respect to consumers residing in California.

"You" and "yours" means you the customer, residing in California, who has registered for or is otherwise using our money transfer services, CASHQ E-Wallet services, or any other services provided by 256H LLC (collectively the "Services").

"We," "us," and "our" means 256H LLC dba CASHQ and our successors, assignees or affiliates. Pronto Money Transfer Inc. is referred to in this Addendum as "CASHQ".

It is the policy of CASHQ to collect, use, store and protect customer information in accordance with applicable law. You may review our general Privacy Policy here.

The following Addendum is applicable our customers who are residents of California. For California residents it is our policy to collect, use, store, provide access to and protect customer information in accordance with the California Consumer Privacy Act of 2018 ("CCPA").

In providing services, including remittance services and/or E-Wallet Services (collectively "Services") we will collect personal information ("Personal Information") including: (a) in-formation such as your name, address, tax identification number, identification number and email address that you provide when you register for service, (b) information about transactions made by you, such as date, amount, and beneficiary and/or payee information, and (c) electronic information concerning your use and access to our website, mobile applications and social media.

For example, we may collect Personal Information from forms you complete, through customer support interactions when you provide the information to us, when you complete online forms or register for our loyalty and reward programs. We may also collect Personal Information indirectly from you, such as when you visit our website through cookies or similar technologies. We may also collect Personal Information from service providers, vendors and other third parties; public record sources (federal, state or local government sources); information from our website, mobile application activities and social media networks; and information from our partners or agents about individuals associated with them (e.g., an employee or owner).

Over the preceding twelve (12) months, CASHQ may have collected the following categories of Personal Information from the various sources set forth below. As noted, this Personal Information may have been shared with the types of Third Parties and for the listed Business and/or Commercial Purposes as set forth below.
Categories of Personal Information

Identifiers: contact information (such as your name, postal address, email address, and telephone number), device identifier, cookies, date of birth, social security number, passport number, driver's license, or similar identifiers

Geolocation Data: may be collected from your devices only if enabled



Internet activity: browser and search history, use of website or applications




Categories of Sources


You
Our Website
Mobile Apps and Services (chatbots)
Affiliates, Agents
Vendors




Use of our mobile applications or services (chatbots)



Use of our website or mobile applications or mobile services (chatbots)





Business and Commercial Purposes

Performing Our Services
Providing Customer Service
Verifying customers
Transaction auditing
Data Security
Marketing and Advertising





Auditing
Security
Service Quality
Safety


Auditing
Security
Service Quality
Safety


Categories of Third Parties

Agents and correspondents
Government agencies
Auditors
Professional services organizations
Advertising and social media
Affiliates and subsidiaries.



Advertising and social networks
Data analytics providers
Operating systems and platform

Advertising and social networks
Data analytics providers
Operating systems and platform


OUR SALE AND USE OF PERSONAL INFORMATION
CASHQ respects your privacy. We do not sell or provide access to your personal information to any third parties in exchange for money or other compensation.

CASHQ does, however, participate in advertising and marketing programs and other programs to analyze market trends, whereby we and third parties with whom we contract may review Personal Information and derive some form of value, which exchanges of Personal Information may constitute a "sale" under applicable law.

As set forth, our customers have the right to opt-out of having their Personal Information used for such purposes.

CALIFORNIA CONSUMER RIGHTS In accordance with the CCAP, consumers residing in California have the right to request that their Personal Information not be sold to third parties and that the provider otherwise discloses how their Personal Information has been used. Additionally, California consumers may request that any of their Personal Information held by the provider be deleted. This section describes your rights under the CCPA and explains how you may exercise those rights.

Right to Access Specific Information and Data Portability Rights As a California consumer you have the right to request that we disclose to you information you about how we have collected and used your Personal Information over the past twelve (12) months. You may make such a request up to 2 times during any single twelve (12) month period.

Upon our receipt and verification of your written request, we will disclose to you the following information:

- All categories of Personal Information we collected on you.
- All categories of sources for the Personal Information we collected on you.
- Our business or commercial purpose for collecting your Personal Information.
- All categories of third parties with whom we share your Personal Information.
- The specific items of Personal Information we collected about you.

Deletion Request Rights As a California consumer you also have the right to request that CASHQ delete all of your Personal Information that we collected from you and retained, subject to certain exceptions and regulatory record keeping requirements.

Upon our receipt and verification of your written request, we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies.

For example, we will be unable to adhere your request where we are required to maintain the Personal Information in order to comply with a legal or regulatory requirement, such as maintenance of certain information pertaining to cross-border money transfer activity. You may make such a request up to 2 times during any single twelve (12) month period.

Making A Request If you are a California resident, you may exercise your rights under this section by submitting consumer request to us by either:

Emailing us at: [email protected]
Or calling us at: 954-456-4600
Or writing to us at: 256H LLC dba CASHQ
Attention: Customer Service
18385 NE 4TH CT
MIAMI, FL 33179

Changes to This Notice We hereby reserve the right to amend this Notice at any time. In the event of any changes to this Notice, CASHQ will post the amended Notice and effective date thereof on our website. Your continued use of our website and Services following the posting of changes constitutes your acceptance of such changes.


Nevada residents:
This notice is provided to you pursuant to state law. Nevada state privacy laws permit us to make marketing calls to existing customers, but if you prefer not to receive marketing calls, you may be placed on our internal opt-out list by calling us at 1-954-456-4600 or you may also contact the Nevada Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Ste 3900, Las Vegas, NV 89101; telephone 702-486-3132; email: [email protected]

Vermont Residents: In accordance with the state of Vermont we will not disclose nonpublic personal financial information only with your written authorization, unless otherwise permitted by law. Written authorizations may be delivered to us by email at [email protected] or mail to 18385 NE 4TH CT MIAMI, FL 33179. Your consent or consent revocation must include your name, address and your signature. Any questions please contact us at 1-954-456-4600.

You authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose to 256H LLC dba CASHQ and its third-party service providers your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, solely to verify your identity and prevent fraud for the duration of the business relationship. See our Privacy Policy for how we treat your data.