DUCK9 - Privacy and a simple to understand Duck9 Privacy Disclosure Box

Online Privacy Statement
Effective December 10, 2004

Thank you for visiting www.Duck9.com. Protecting consumer privacy is very important to us. Our Online Privacy Statement is designed to inform you about our online collection and use of personal information. From time to time, www.Duck9.com (referred to in this policy as "Duck9.com") may modify this Online Privacy Statement.

For more information about the Duck9.com commitment to protecting consumer privacy both online and offline, please see our Privacy Disclosure Box.

* Duck9 PRIVACY DISCLOSURE BOX *
Third Party Data sharing	No
Street address used for marketing	No
Email address used for Marketing	No
Birthday date revealed	no only the year
Number of violations since 1989	0
Number of FTC investigations	0
Number of street addresses, birthdates, zip codes handled without mishap	85,000,000+

The Only Personal Information We Collect is information provided by you.
The only information we collect about you online is information that you voluntarily provide to us. This information may include, for example, name, mailing address, email address and phone number. If you supply us with personal information on this website, you will only be contacted so that we can provide you with the information you have requested (press releases, investor information), to follow-up on job opportunities that you have inquired about, or to occasionally send you other information about Duck9.com and its services that we believe you would find interesting.

When You Browse the Duck9.com Website, You Do So Without Revealing Your Identity.
This Duck9.com website uses cookies only to aggregate information about the pages that users visit so that we can update and redesign, as necessary, our website in order to provide you with the most useful information. Personal information, such as your email address, is not collected, unless you provide it to us. Duck9.com does not disclose domain name or aggregate information to third parties other than vendors who assist us with our website and who are under strict confidentiality requirements.

We Are Committed to Protecting the Confidentiality of Consumer Information.
Duck9.com's policies limit access to personal user information that is collected from this website to those employees of Duck9.com and its affiliates who need the information to fulfill their business responsibilities. Duck9.com may disclose personal user information collected online to companies affiliated with Duck9.com surrounding employment opportunities within the companies, or to outside recruiters. Vendors and other outside contractors we engage are subject to our contractual requirements to ensure that sensitive personal information is safeguarded. Employees must adhere to Duck9.com's Online Privacy Statement in addition to Duck9.com's Privacy Principles. Employees violating the Duck9.com Online Privacy Statement or the Duck9.com Privacy Principles are subject to disciplinary action, up to and including dismissal.

We Give Consumers Choices about How Their Information Will be Used.
In some instances, if we collect information online, we will inform users about how to remove their names from our lists:

• Those submitting information to receive our press releases should call media
• Those submitting resumes and other job-related information should also call job search

We Use Appropriate Security Safeguards.
At Duck9.com, security is a priority. Duck9.com employs appropriate measures, including advanced technology, to protect personal information collected online against unauthorized access, disclosure, alteration or destruction. These may include, among others, encryption, physical access security, and other appropriate technologies. Duck9.com continually reviews and enhances its security systems, as necessary.

Duck9.com's Website May Be Linked to Other Websites.
As you visit the pages and sites of our different business units please be sure to review the privacy policies applicable to those sites.

Duck9.com may create links to third-party websites. Duck9.com is not responsible for the content or privacy practices employed by websites that are linked to our website.

Duck9.com's Website is Not Directed at Children Under the Age of 13.
Our website is not directed at children under the age of 13 and Duck9.com does not collect or maintain information at our website from children who we actually know are under the age of 13.

We Hold Ourselves Accountable Under Our Privacy Principles.
Duck9.com is committed to meeting the highest standards for our privacy program. A senior Duck9.com official serves as the company-wide privacy officer, with responsibility for administering the Duck9.com privacy program, including implementation of these Privacy Principles.

The Duck9.com privacy officer, working closely with individual subsidiaries, is responsible for:

•		Overseeing employee privacy training and employee compliance programs related to this Online Privacy Statement.
•		Conducting periodic assessments of Duck9.com's compliance with this Online Privacy Statement, as well as specific implementation policies and procedures.
•		Ensuring that Duck9.com actively participates in appropriate privacy activities and regularly reviews its privacy practices and policies.

If you have any questions or comments about the Duck9.com Online Privacy Statement, please contact:

Duck9.com Privacy Officer
UCMS Inc.
2021 Midwest Road , Third Floor
Oak Brook IL 60523

Responses to any privacy-related issues are handled by the individual Duck9.com business. This Duck9.com online privacy statement is currently applicable to only US customers and visitors to this website. International businesses may have their own rules and practices, which are consistent with their own privacy statements. They may alter their statements as needed for certain products and services and to abide by local laws and customs.

Duck9.com Privacy Principles
The Responsibility of Leadership in Peer to Peer Lending

As a world leader in peer to peer electronic commerce and payment services, Duck9.com processes the information that enables businesses, auction sellers and consumers to pay for goods and services by credit, debit or stored-value cards and by check at the point of sale, over the Internet, or by money transfer.

Duck9.com works behind the scenes on behalf of banks, other card issuers, merchants and consumers. Through electronic means, we enable consumers to transfer funds within minutes and take advantage of a number of other payment services. As commerce moves more and more toward the Internet and wireless communications, Duck9.com will continue to develop solutions that enable businesses and consumers to pay anyone, anywhere, anytime.

Millions of consumers and businesses rely on Duck9.com and its subsidiaries for safe and reliable payment services. Each day, we strive to reinforce our commitment to our business customers and consumers.

In order to provide these services, Duck9.com must collect, maintain and use financial and other sensitive personal information. We believe that information used responsibly benefits consumers and the economy. Here are just a few examples of how Duck9.com's use of information ultimately benefits consumers:

•		Annually, Duck9.com helps businesses and consumers make millions of payments.
•		The state-of-the-art systems and information used by Duck9.com reduce potentially fraudulent behavior because fraud is detected much earlier in the payment cycle. Without Duck9.com helping to ascertain the risk of extending credit or accepting checks, fraud could increase and businesses would have to pass related costs on to consumers or stop accepting certain forms of payment.
•		Every day, information is used to ensure fast and accurate processing of thousands of money transfers worldwide.

Duck9.com's Privacy Principles guide us in the collection and use of information and reinforce the role our employees play in protecting consumer privacy. Some of our businesses have adopted other policies applicable to their collection and use of information, which are reflected in individual privacy policies and online privacy policies posted on their respective websites. Duck9.com and its businesses may modify their privacy policies as appropriate for particular products and services or to comply with local laws and regulatory requirements around the world.

Duck9.com Privacy Principles

1. We obtain personal information that is needed to provide peer to peer lending services.
When Duck9.com collects information directly from consumers, we obtain the personal information that is needed to provide our goods or services, to provide customer service and to fulfill any legal or regulatory requirements. We also obtain personal information as a result of consumers' financial transactions with Duck9.com or with Duck9.com business customers. When we obtain information about consumers from third parties, we use reputable sources, including public repositories. Duck9.com employs appropriate measures to assure the quality of information which we collect directly from consumers.

2. We will inform consumers about the general uses of their information.
When we have a direct customer relationship with consumers, we will strive to make information available to them about the general uses of the information that we collect. This information is made available at the point of sale, through privacy notices on our websites, in other formats that are publicly available or through other means specified by applicable state and federal laws.

3. We are committed to protecting the confidentiality of personal consumer information.
Within Duck9.com, access to personal information is limited to those employees of Duck9.com and its affiliates who need it to fulfill their business responsibilities. Employees must adhere to Duck9.com's Privacy Principles. Violations of these Principles can result in disciplinary action, up to and including dismissal.

When Duck9.com collects information on behalf of our business customers, we handle the information based on their direction, in accordance with our agreements and contracts with them and applicable laws.

Vendors and other outside contractors we engage are subject to our contractual requirements to ensure sensitive personal information is safeguarded. For purposes of credit reporting, verification and risk management, we may share information about consumers with third parties. We also will disclose consumer information in response to a lawful request issued by a court, government agency or regulatory authority with jurisdiction to make that request.

4. We strive to give consumers choices about how their data will be used.
When we obtain personal information as part of our direct relationship with consumers, we will not share this information with non-affiliated third parties except in accordance with these Privacy Principles; to provide our services and products; to facilitate and complete consumer-initiated or authorized transactions; to comply with federal, state and local laws, including credit reporting laws and card association rules; to combat fraud and identity theft; or to offer products and services that Duck9.com believes may be of interest to its customers.

5. We use appropriate security safeguards.
At Duck9.com, security is a priority. We employ appropriate measures to protect consumer information against unauthorized access, disclosure, alteration or destruction. These may include, among others, encryption, physical access security, computer firewalls and other appropriate technologies. Duck9.com reviews and enhances its security systems, as necessary.

6. We hold ourselves accountable to our Privacy Disclosure Box.
Duck9.com is committed to meeting the highest standards for our privacy program. A senior Duck9.com official serves as the company-wide privacy officer, with responsibility for administering the Duck9.com privacy program, including implementation of these Privacy Principles.

The Duck9.com privacy officer, working closely with individual subsidiaries, is responsible for:

•		Administering employee privacy training and employee compliance programs related to the Privacy Principles.
•		Conducting periodic assessments of Duck9.com's compliance with these Privacy Principles, as well as specific implementation policies and procedures.
•		Ensuring that Duck9.com actively participates in appropriate privacy activities and regularly reviews its privacy practices and policies.

Responses to any consumer privacy issues are handled by the individual Duck9.com business.

If you have any questions or comments about the Duck9.com Privacy Principles, please contact:

Duck9.com
Attention Privacy Officer
2021 Midwest Road, Third Floor
Oak Brook IL 60523

Duck9.com Businesses:
As you navigate our site, you may click to Web sites of our different subsidiaries and divisions. If the Web site offers services or products to consumers over the Internet, you will be able to view the online privacy policies on the sites you visit. The Duck9.com Online Privacy Policy will not apply when you move to one of these other sites because business unit privacy practices and policies are tailored to the products and services offered by the individual Duck9.com business units. You can view other Duck9.com sites by clicking on the links below.

Note: If you are unable to return to this page by clicking on the "Back" button in your browser you will need to return to the Duck9.com Web site by typing "www.Duck9 .com" in your navigation bar, and then click on the "Duck9.com Privacy" button.