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<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml"><head><title>The Payday Hound Privacy Policy</title>
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<div id="cont">
<h1>Terms of Use</h1>
<p>March 22, 2012</p>
<p>These terms and conditions (the “Terms”) govern your
access to and use of www.thepaydayhound.com (“Site”). By accessing or
using the Site, you are agreeing to these Terms and concluding a legally
binding contract with Contigo Direct LLC, a Nevada-based limited
liability company that owns and operates the Site (“Contigo”). Do not
access or use the Site if you are unwilling or unable to be bound by the
Terms.</p>
<h2>Definitions</h2>
<h3>1. Parties</h3>
<p>“You” and “your” refer to you, as a user of the Site. A “user” is
someone who accesses, browses, crawls, scrapes, or in any way uses the
Site, and includes any payday lender, installment lender or matching
service provider listed on the site, whether sponsored or not sponsored.
“We”, “us”, and “our” refer to Contigo.</p>
<h3>2. Content</h3>
<p>“Content” means text, images, photos, audio, video and all other
forms of data or communication. “Your Content” means Content that you
submit or transmit to, through, or in connection with the Site, such as
your name, ratings, reviews, compliments, and information that you
publicly display. “User Content” means Content that users submit or
transmit to, through, or in connection with the Site. “Site Content”
means Content that we create and make available in connection with the
Site. “Third Party Content” means Content that originates from parties
other than us or the Site’s users, which is made available in connection
with the Site.</p>
<h2>Changes to Terms of Service</h2>
<p>We may modify the Terms from time to time. When changes are made,
we will notify you by making the revised version available on this
webpage, and will indicate at the top of this page the date that
revisions were last made. You should revisit these Terms on a regular
basis as revised versions will be binding on you. Any such modification
will be effective upon our posting of new Terms. You understand and
agree that your continued access to or use of the Site after any posted
modification to the Terms indicates your acceptance of the modification.</p>
<h2>Using the Site</h2>
<h3>1. Eligibility</h3>
<p>To access or use the Site, you must be 18 years or older and have
the requisite power and authority to enter into these Terms. You may not
access or use the Site if we have previously banned you from the Site.</p>
<h3>2. Permission to Use the Site</h3>
<p>We grant you permission to use the Site subject to the restrictions
in these Terms. Your use of the Site is at your own risk, including the
risk that you might be exposed to Content that is offensive, indecent,
inaccurate, objectionable, or otherwise inappropriate.</p>
<h3>3. Site Availability</h3>
<p>The Site may be modified, updated, interrupted, suspended or discontinued at any time without notice or liability to us.</p>
<h3>4. User Comments</h3>
<p>In providing comments on the Site, you may not impersonate someone
else (e.g., adopt the identity of a celebrity or your next-door
neighbor) or provide information about anyone other than yourself. If
you use a pseudonym, take care to note that others may still be able to
identify you if, for example, you include identifying information in
your reviews, or use the same pseudonym on other sites. Please read our
Privacy Policy for more information.</p>
<h2>Content</h2>
<h3>1. Responsibility for Your Content</h3>
<p>You alone are responsible for Your Content, and once published, it
cannot always be withdrawn. You assume all risks associated with Your
Content, including anyone’s reliance on its quality, accuracy, or
reliability, or any disclosure by you of information in Your Content
that makes you personally identifiable. You represent that you own, or
have the necessary permissions to use and authorize the use of Your
Content as described herein. You may not imply that Your Content is in
any way sponsored or endorsed by Contigo.</p>
<p>You may expose yourself to liability if, for example, Your Content
contains material that is false, intentionally misleading, or
defamatory; violates any third-party right, including any copyright,
trademark, patent, trade secret, moral right, privacy right, right of
publicity, or any other intellectual property or proprietary right;
contains material that is unlawful, including illegal hate speech or
pornography; exploits or otherwise harms minors; or violates or
advocates the violation of any law or regulation.</p>
<h3>2. Our Right to Use Your Content</h3>
<p>We may use Your Content in a number of different ways, including
publicly displaying it, reformatting it, incorporating it into
advertisements and other works, creating derivative works from it,
promoting it, distributing it, and allowing others to do the same in
connection with their own websites and media platforms (“Other Media”).
As such, you hereby irrevocably grant us world-wide, non-exclusive,
royalty-free, sublicensable, transferable rights to use Your Content for
any purpose. You also irrevocably grant the users of the Site and any
Other Media the right to access Your Content in connection with their
use of the Site and any Other Media. Finally, you irrevocably waive, and
cause to be waived, against Contigo and its users any claims and
assertions of moral rights or attribution with respect to Your Content.
By “use” we mean use, copy, publicly perform or display, distribute,
modify, translate, and create derivative works of Your Content.</p>
<h3>3. Ownership</h3>
<p>As between you and Contigo, you own Your Content. We own the Site
Content, including but not limited to visual interfaces, interactive
features, graphics, design, compilation, computer code, products,
software, aggregate user review ratings, and all other elements and
components of the Site excluding Your Content, User Content and Third
Party Content. We also own the copyrights, trademarks, service marks,
trade names, and other intellectual and proprietary rights throughout
the world (“IP Rights”) associated with the Site Content and the Site,
which are protected by copyright, trade dress, patent, trademark laws
and all other applicable intellectual and proprietary rights and laws.
As such, you may not modify, reproduce, distribute, create derivative
works or adaptations of, publicly display or in any way exploit any of
the Site Content in whole or in part. We do not grant you any express or
implied rights, and all rights in and to the Site and the Site Content
are retained by us.</p>
<h3>4. Advertising</h3>
<p>Contigo and its licensees may publicly display advertisements and
other information adjacent to or included with Your Content. You are not
entitled to any compensation for such advertisements. The manner, mode
and extent of such advertising are subject to change without specific
notice to you.</p>
<h3>5. Other</h3>
<p>User Content, Your Content and Third Party Content do not reflect
the opinion of Contigo. We reserve the right to remove, screen, edit, or
reinstate such content from time to time at our sole discretion and
without notice to you. For example, we may remove a review if we believe
it violates laws or regulations, or is offensive to other users. We
have no obligation to retain or provide you with copies of Your Content,
User Content or Third Party Content, nor do we guarantee any
confidentiality with respect to such content.</p>
<h2>Restrictions</h2>
<p>We are under no obligation to enforce the Terms on your behalf
against another user. While we encourage you to let us know if you
believe another user has violated the Terms, we reserve the right to
investigate and take appropriate action at our sole discretion.</p>
<h3>1. You agree not to, and will not assist, encourage, or enable others to use the Site to:</h3>
<ul>
<li>Write a fake or defamatory review, trade reviews with other
businesses, or compensate someone or be compensated to write or remove a
review;</li>
<li>Violate any third party’s rights, including any breach of
confidence, copyright, trademark, patent, trade secret, moral right,
privacy right, right of publicity, or any other intellectual
property or proprietary right;</li>
<li>Threaten, stalk, harm, or harass others, or promote bigotry or discrimination;</li>
<li>Promote a business or other commercial venture or event, or otherwise use the Site for commercial purposes;</li>
<li>Send bulk emails, surveys, or other mass messaging, whether
commercial in nature or not; engage in keyword spamming, or otherwise
attempt to manipulate the Site’s search results or any third
party website;</li>
<li>Solicit personal information from minors, or submit or transmit pornography; or</li>
<li>Violate any applicable law.</li>
</ul>
<h3>2. You also agree not to, and will not assist, encourage, or enable others to:</h3>
<ul>
<li>Violate the Terms;</li>
<li>Modify, adapt, appropriate, reproduce, distribute,
translate, create derivative works or adaptations of, publicly display,
sell, trade, or in any way exploit the Site or Site Content (other than
Your Content);</li>
<li>Use any robot, spider, site search/retrieval application,
or other automated device, process or means to access, retrieve, scrape,
or index any portion of the Site or any Site Content;</li>
<li>Reverse engineer any portion of the Site;</li>
<li>Remove or modify any copyright, trademark or other
proprietary rights notice that appears on any portion of the Site or on
any materials printed or copied from the Site;</li>
<li>Record, process, or mine information about other users;</li>
<li>Access, retrieve or index any portion of the Site for
purposes of constructing or populating a searchable database of business
reviews;</li>
<li>Reformat or frame any portion of the Site;</li>
<li>Take any action that imposes, or may impose, in our sole
discretion, an unreasonable or disproportionately large load on
Contigo’s technology infrastructure or otherwise make excessive traffic
demands of the Site;</li>
<li>Attempt to gain unauthorized access to the Site, user
accounts, computer systems or networks connected to the Site through
hacking, password mining or any other means;</li>
<li>Use the Site or any Site Content to transmit any computer
viruses, worms, defects, Trojan horses or other items of a destructive
nature (collectively,“Viruses”);</li>
<li>Use any device, software or routine that interferes with
the proper working of the Site, or otherwise attempt to interfere with
the proper working of the Site;</li>
<li>Use the Site to violate the security of any computer
network, crack passwords or security encryption codes; disrupt or
interfere with the security of, or otherwise cause harm to, the Site or
Site Content; or</li>
<li>Remove, circumvent, disable, damage or otherwise interfere
with any security-related features of the Site, features that prevent or
restrict the use or copying of Site Content, or features that enforce
limitations on the use of the Site.</li>
</ul>
<p>The restrictions above only apply to the extent permissible
under applicable law. Nevertheless, you agree not to act contrary to
them (even if permissible under applicable law).</p>
<h2>Guidelines and Policies</h2>
<h3>1. Content Guidelines</h3>
<p>You represent that you have read and understood the Terms.</p>
<h3>2. Privacy</h3>
<p>We may collect non-personally identifiable information about you
through a variety of technical methods, including the following:</p>
<ul>
<li>Collection of Usage Details and IP Address. As you navigate
through this Site, we may collect details of your visits to this Site,
including, but not limited to, traffic data, location data, logs, the
resources that you access, and information about your computer and
internet connection, including but not limited to your IP address,
operating system and browser type. We may use this information for
system administration and to report aggregate information to our
advertisers and business partners.</li>
<li>Collection with Cookies. “Cookies” are pieces of
information that a website sends to your computer while you are viewing a
website. We may set and access cookies on your computer to track and
store preferential information about you. You consent to our placement
of cookies on your computer. Please note that most Internet browsers
will allow you to stop cookies from being stored on your computer and
to delete cookies stored on your computer. If you choose to do so,
however, your use of certain aspects of this Site may be restricted.</li>
<li>Collection with Web beacons. “Web beacons” are electronic
images, tags or scripts that allow a website to access cookies and help
track general usage patterns of visitors to a website. Web beacons can
recognize certain types of information, such as cookies, time and date
of a page view, and a description of the page where the Web beacon is
placed. We may use Web beacons to compile information regarding use of
this Site.</li>
</ul>
<p>The information collected through these technical methods,
standing alone, cannot be used to determine your identity. Such
information may, however, be combined in a way that makes it become
personally identifiable information. If this happens, we will treat the
combined information as personally identifiable information</p>
<p>You represent that you have read and understood our Privacy
Policy. Note that we may disclose information about you to third parties
if we have a good faith belief that such a disclosure is reasonably
necessary to (i) take action regarding suspected illegal activities;
(ii) enforce or apply our Terms and Privacy Policy; (iii) comply with
legal process or other government inquiry, such as a search warrant,
subpoena, statute, judicial proceeding, or other legal process served on
us; or (iv) protect our rights, reputation, and property, or that of
our users, affiliates, or the public. To the extent required by laws
outside of the United States, if you use the Site outside of the United
States, you consent to having your personal data transferred to and
processed in the United States.</p>
<h2>Suggestions and Improvements</h2>
<p>By sending us any ideas, suggestions, documents or proposals
(“Feedback”), you agree that (i) your Feedback does not contain the
confidential or proprietary information of third parties, (ii) we are
under no obligation of confidentiality, express or implied, with respect
to the Feedback, (iii) we may have something similar to the Feedback
already under consideration or in development, and (iv) you grant us an
irrevocable, non-exclusive, royalty-free, perpetual, worldwide license
to use, modify, publish, distribute and sublicense the Feedback.</p>
<h2>Third Parties</h2>
<p>The Site may include links to other websites or applications
(each, a “Third Party Site”). We do not control or endorse any Third
Party Site. You agree that we are not responsible for the availability
or contents of such Third Party Sites. Your use of Third Party Sites is
at your own risk. The Payday Hound may be compensated if consumers
choose to utilize some of the links located throughout the Site and such
use generates sales for the Third Party merchant. The Payday Hound does
not have investment or other financial relationships with such Third
Party merchants other than the compensation for lead generation. Not all
Third Party merchants listed on the Site compensate the Payday Hound
for the leads generated via the Site; the “Sniff Test”, however, is not
at all impacted by whether The Payday Hound receives compensation for
lead generation. The Payday Hound at all times remains impartial.</p>
<h2>Indemnity</h2>
<p>You agree to indemnify, defend, and hold Contigo, its parents,
subsidiaries, affiliates, any related companies, suppliers, licensors
and partners, and the officers, directors, employees, agents and
representatives of each of them (collectively, the “Contigo Entities”)
harmless, including costs, liabilities and legal fees, from any claim or
demand made by any third party arising out of or relating to (i) your
access to or use of the Site, (ii) your violation of the Terms, (iii)
any products or services purchased or obtained by you in connection with
the Site, or (iv) the infringement by you of any intellectual property
or other right of any person or entity. Contigo reserves the right, at
your expense, to assume the exclusive defense and control of any matter
for which you are required to indemnify us and you agree to cooperate
with our defense of these claims. You agree not to settle any matter
without the prior written consent of Contigo. Contigo will use
reasonable efforts to notify you of any such claim, action or proceeding
upon becoming aware of it.</p>
<h2>Disclaimers and Limitation of Liability</h2>
<p></strong>PLEASE READ THIS SECTION CAREFULLY SINCE IT LIMITS THE LIABILITY
OF THE CONTIGO ENTITIES. EACH OF THE SUBSECTIONS BELOW ONLY APPLIES UP
TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW. NOTHING HEREIN IS
INTENDED TO LIMIT ANY RIGHTS YOU MAY HAVE WHICH MAY NOT BE LAWFULLY
LIMITED.</p>
<ol>
<li>THE SITE IS MADE AVAILABLE TO YOU ON AN “AS IS”, “WITH ALL
FAULTS” AND “AS AVAILABLE” BASIS. YOUR USE OF THE SITE IS AT YOUR OWN
DISCRETION AND RISK. THE CONTIGO ENTITIES MAKE NO CLAIMS OR PROMISES
ABOUT THE QUALITY, ACCURACY, OR RELIABILITY OF THE SITE, ITS SAFETY OR
SECURITY, OR THE SITE CONTENT. WE AIM TO KEEP INFORMATION ACCURATE AND
UP-TO-DATE, HOWEVER WE DO NOT MAKE WARRANTIES REGARDING THE ACCURACY OF
OUR INFORMATION. PLEASE VERIFY STATE LICENSING, FEES, INTEREST RATES AND
OTHER LENDING TERMS DURING THE APPLICATION PROCESS. ACCORDINGLY, THE
CONTIGO ENTITIES ARE NOT LIABLE TO YOU FOR ANY LOSS OR DAMAGE THAT MIGHT
ARISE, FOR EXAMPLE, FROM YOUR RELIANCE ON THE QUALITY, ACCURACY, OR
RELIABILITY OF THE BUSINESS LISTINGS, RATINGS, OR REVIEWS.</li>
<li>THE CONTIGO ENTITIES MAKE NO CLAIMS OR PROMISES WITH RESPECT
TO ANY THIRD PARTY, SUCH AS THE BUSINESSES LISTED ON THE SITE OR THE
SITE’S USERS. ACCORDINGLY, THE CONTIGO ENTITIES ARE NOT LIABLE TO YOU
FOR ANY LOSS OR DAMAGE THAT MIGHT ARISE FROM THEIR ACTIONS, INCLUDING,
FOR EXAMPLE, IF ANOTHER USER MISUSES YOUR CONTENT OR IDENTITY, OR IF YOU
HAVE A NEGATIVE EXPERIENCE WITH ONE OF THE BUSINESSES OR LENDERS LISTED
ON THE SITE. YOUR PURCHASE AND USE OF PRODUCTS OR SERVICES OFFERED BY
THIRD PARTIES THROUGH THE SITE IS AT YOUR OWN DISCRETION AND RISK.</li>
<li>THE CONTIGO ENTITIES EXPRESSLY DISCLAIM ALL WARRANTIES,
WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES AS TO THE PRODUCTS OR
SERVICES OFFERED BY BUSINESSES LISTED ON THE SITE, AND IMPLIED
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND
NON-INFRINGEMENT. NO ORAL OR WRITTEN INFORMATION OR ADVICE PROVIDED TO
YOU BY A REPRESENTATIVE OF ONE OF THE CONTIGO ENTITIES, OR BY THE SITE,
SHALL CREATE A REPRESENTATION OR WARRANTY.</li>
<li>YOUR SOLE AND EXCLUSIVE RIGHT AND REMEDY IN CASE OF
DISSATISFACTION WITH THE SITE, RELATED SERVICES, OR ANY OTHER GRIEVANCE
SHALL BE YOUR TERMINATION AND DISCONTINUATION OF ACCESS TO, OR USE OF
THE SITE.</li>
<li>THE CONTIGO ENTITIES’ MAXIMUM AGGREGATE LIABILITY TO YOU FOR
LOSSES OR DAMAGES THAT YOU SUFFER IN CONNECTION WITH THE SITE OR THESE
TERMS IS LIMITED TO THE GREATER OF (i) THE AMOUNT PAID, IF ANY, BY YOU
TO THE CONTIGO ENTITIES IN CONNECTION WITH THE SITE IN THE 12 MONTHS
PRIOR TO THE ACTION GIVING RISE TO LIABILITY, OR (ii) $100.</li>
<li>THE CONTIGO ENTITIES DISCLAIM LIABILITY FOR ANY (i) INDIRECT,
SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, RELIANCE, OR CONSEQUENTIAL
DAMAGES, (ii) LOSS OF PROFITS, (iii) BUSINESS INTERRUPTION, (iv)
REPUTATIONAL HARM, OR (v) LOSS OF INFORMATION OR DATA.<./li></strong>
</ol>
<h2>Choice of Law and Venue</h2>
<p>Nevada law will govern these Terms, as well as any claim, cause
of action or dispute that might arise between you and Contigo (a
“Claim”), without regard to conflict of law provisions. FOR ANY CLAIM
BROUGHT BY EITHER PARTY, YOU AGREE TO SUBMIT AND CONSENT TO THE PERSONAL
AND EXCLUSIVE JURISDICTION IN, AND THE EXCLUSIVE VENUE OF, THE STATE
AND FEDERAL COURTS LOCATED WITHIN NEVADA.</p>
<h2>Suspension</h2>
<p>We may suspend your ability to use certain portions of the
Site, and/or ban you altogether from the Site for any or no reason, and
without notice or liability of any kind. Any such action could prevent
you from accessing the Site, Your Content, Site Content, or any other
related information.</p>
<h2>General Terms</h2>
<ol>
<li>We reserve the right to modify, update, or discontinue the
Site at our sole discretion, at any time, for any or no reason, and
without notice or liability.</li>
<li>We may provide you with notices, including those regarding
changes to the Terms by email, regular mail or communications through
the Site.</li>
<li>Except as otherwise stated in section DISCLAIMERS AND
LIMITATIONS OF LIABILITY above, nothing herein is intended, nor will be
deemed, to confer rights or remedies upon any third party.</li>
<li>The Terms contain the entire agreement between you and us
regarding the use of the Site, and supersede any prior or other
agreement between you and us on such subject matter. The parties
acknowledge that no reliance is placed on any oral or written
representation made but not expressly contained in these Terms.</li>
<li>Any failure on Contigo’s part to exercise or enforce any
right or provision of the Terms does not constitute a waiver of such
right or provision. The failure of either party to exercise in any
respect any right provided for herein shall not be deemed a waiver of
any further rights hereunder.</li>
<li>If any provision of the Terms is found to be unenforceable or
invalid, that provision shall be limited or eliminated to the minimum
extent necessary so that the Terms shall otherwise remain in full force
and effect and enforceable.</li>
<li>The Terms are not assignable, transferable or sublicensable
by you except with Contigo’s prior written consent, but may be assigned
or transferred by us without restriction. Any assignment attempted to be
made in violation of the Terms shall be void.</li>
<li>The section titles in the Terms are for convenience only and have no legal or contractual effect.</li>
</ol>
</body></html>