We believe that information used responsibly benefits consumers and the economy, whether it is information we house on behalf of consumers conducting transactions or information we collect on behalf of our business clients. For example, we use consumer information every day to ensure fast and accurate processing of money transfers. In addition, Click Creative strives to better serve our customers by offering goods and services that we believe fit their needs and interests. When identifying an opportunity, Click Creative may use consumer information it has collected in an effort to identify consumers who may be interested in that opportunity. Consumers and businesses have relied on Click Creative for safe and reliable service. The relationships we have developed have been established based on mutual trust. Each day we and employees and agents strive to reinforce our commitment to our clients and consumers. Central to that commitment is ensuring that we abide by a set of privacy policies, which are outlined below. These policies guide us in the collection and use of information as well as employee responsibilities in protecting your privacy. We use personal information about consumers only in a manner consistent with these policies.

COLLECTION OF INFORMATION

Click Creative collects personal information in order to offer or provide goods and services to consumers and our customers. We may obtain this information from a variety of sources:

Directly from customer applications, questionnaires and other materials submitted to us by customers; From transactions in which Click Creative and consumers are involved; From click thru activity on our web sites; and From a variety of third-party sources, such as our business customers, government repositories, consumer reporting agencies and other financial institutions.

DISCLOSURE OF INFORMATION

Click Creative does not disclose customer information to third parties without first giving customers an opportunity to opt-out of certain kinds of disclosures. There are some disclosures to third parties that are not subject to the opt-out, such as disclosures necessary to effect, administer or enforce a transaction requested by you, to companies that perform services for us or to prevent fraud.

Finally, Click Creative may disclose information about former customers to third parties and companies with which Click Creative is affiliated, as well as unaffiliated third parties. Those disclosures may consist of the following:

Financial background information describing a customer's financial status; Identification information, such as name and address data; Transaction information, such as account activity, debit activity or credit activity; and Other information relating to financial matters.

RECIPIENTS OF INFORMATION

Click Creative may disclose consumer information to companies affiliated with Click Creative and to companies or other parties not affiliated Click Creative (subject to consumers' opt-out rights)

These recipients include:

Financial institutions, such as banks, credit card companies and brokerage houses; Companies that process transactions or provide other services for us; Government agencies; and In addition, under Australian law Click Creative is permitted to disclose customer information to certain recipients, like credit reporting.

WE ARE COMMITTED TO PROTECTING THE CONFIDENTIALITY OF PERSONAL CONSUMER INFORMATION.

Click Creative limits access to personal information to those employees of Click Creative and its affiliates who need it to fulfil their business responsibilities. Employees must adhere to Click Creative privacy policies. Employees violating these policies may be subject to disciplinary action, up to and including dismissal. Vendors and other outside contractors we engage are subject to our contractual requirements to ensure that sensitive personal information is safeguarded.