Spotya (The Company) is a US licensed and domiciled pay day loan provider operating in accord with all US State and Federal laws. Spotya also follows the principles laid out in the Truth in Lending Act (TILA) by giving you all the information you need to make an informed decision. By e-signing the loan conditions that are a part of your application, you are acknowledging that this transaction is being conducted in Utah under Utah State law.

Notwithstanding the preceding, the commercial conditions of this transaction are in full compliance with your home state's regulations and by making an e-signed application for a Spotya Cash advance you acknowledge this disclosure page forms a part of your loan documentation.

Spotya! Advocates Responsible Lending

By complying with the laws of your home state when giving you a cash advance, Spotya is one of the limited number of online lenders offering the convenience of the Internet, the lowest possible rates and the highest levels of consumer protection.

Spotya supports State regulation for payday lending that balances strong protections for consumers with the freedoms responsible lenders need to profitably conduct business. By voluntarily complying with the borrower's state of origin laws, Spotya! is obligated to:

a) comply with TILA laws by providing full and clear disclosure of all loan terms.

including annualized interest rates, total charges and other relevant

information.

b) limit rollovers and restrict automatic renewals.

c) submit to the dispute resolution requirements of the borrower's home state

d) limit interest rates to the borrower's home state ceilings

e) provide full contact details

Spotya Warrants:

Personally identifiable information on individual clients will not be sold or otherwise transferred to unaffiliated third parties. Notwithstanding, Spotya reserves the right to provide a borrower's late payment and default details to affiliated bureaus.

Spotya may also use contact information to send marketing material and details of promotions from time to time. Clients will have the opportunity to indicate whether he or she would like to "opt out" of receiving promotional and/or marketing information about other products, services and offerings from Spotya and/or any third parties. Further, notwithstanding any opt-out of promotional programs by clients, Spotya reserves the right to contact a client regarding account status, changes to our commercial conditions and other matters relevant to the loan and/or the information collected.

Spotya reserves the right to perform statistical and demographic analyses of borrowers' collective behavior/characteristics in order to create predictive models and assess interest in and use of the various areas of the site. Spotya may also, from time to time, provide aggregated data from these analyses to third parties.

Additionally, users should be aware that when they voluntarily disclose personally identifiable information (e.g., user name, e-mail address) on any Spotya public forum, such as bulletin boards or in any chat areas of the Spotya Site, that information, along with any substantive information disclosed in the user's communication, can be collected and correlated and used by third parties and may result in unsolicited messages from other posters or third parties. Such activities are beyond the control of Spotya!

Users also should be cognizant that non-personal information and data may be automatically collected through the standard operation of Spotya's Internet servers or through the use of "cookies."

As a Spotya client you can, at any time, "opt out" of further promotional contacts by merely calling or sending an e-mail to Spotya. We will also, upon request, use reasonable efforts to update/correct personal information previously submitted when clients state the information has changed or is erroneous. This undertaking is limited to the extent such activities will not compromise Spotya's privacy or security interests.

Spotya will, upon a client's request, use commercially feasible efforts to functionally delete the user and his or her personal information from its database. It may be impossible to delete a user's entry without some residual information because of backups and records of deletions.

The foregoing policies are effective as of February 2008. Spotya reserves the right to change this policy at any time by notifying users of the existence of a new privacy statement or commercial conditions.