• Skip to primary navigation
  • Skip to content
  • Skip to footer

BrightRates

The best rates on personal loans, student loans, and mortgages

BrowseClose
  • Personal Loans
    • Top Personal Loan Companies
      • Avant
      • LendingPoint
      • EVEN Financial
      • BadCreditLoans.com
    • Learn
      • Best loans for borrowers with bad credit
      • What is a hard credit pull vs a soft credit pull?
  • Student Loans
    • Top Student Loan Companies
      • Sofi student loans
      • Connext Student Loans
      • PNC Bank student loans
      • Guide to Lenders
    • Learn
      • How to calculate your debt-to-income ratio
      • The Top 5 Expenses In Life to Save Money
  • Mortgages
    • Top Mortgage Companies
      • Quicken Loans
      • Wells Fargo Home Mortgage
      • Rocket Mortgage
      • Suntrust Mortgage & Home Loans
    • Learn
      • The Debt Avalance vs the Debt Snowball…which is better?
  • Top Balance Transfer Cards
    • Card Reviews
      • US Bank Cash 365
      • HSBC Gold Mastercard
      • USAA Military Affiliate Card
      • BankAmericard Credit Card
    • Learn
      • Balance Transfer Cards vs Debt Consolidation Personal Loans
      • How to lower your credit card monthly payments with debt consolidation
      • What’s the different between Debt Settlement vs Debt Consolidation?
  • Add a Review

e-consent

BrightRates.com

Consent for Electronic Signatures, Records, and Disclosures (“E-Consent”)

 

Date of Last Revision: August 17, 2018

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be matched with one of our third party lending parters. In order to offer you a loan, the third party lending parters need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By submitting your request to be matched with lending parters, you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”).

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lending parter directly. The lending parters will provide paper copies at no charge. The lending parters will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the third party lending parter and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lending parter may process your information and interact during all online interactions with you electronically. The lending parter may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lending parters’ websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the third party lending parters, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lending parters.

Withdrawing Consent. Your E-Consent for our matching service and for our third party lending parters’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third party lending parters, you are free to withdraw your E-Consent with those third party lending parters at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit f rom the lending parter. Contact the third party lending parter directly if you wish to withdraw this E-consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lending parters informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lending parter’s website or by sending the lending parter a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY SUBMITTING YOUR REQUEST TO BE MATCHED WITH LENDING PARTNERS, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY SUBMITTING YOUR REQUEST TO BE MATCHED WITH LENDING PARTNERS: (1) YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY; (2) YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH A MATCHED LENDING PARTNER ELECTRONICALLY; (3) YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY.

 

 

 

Reader Interactions

Footer

BrightRates

We offer technology to help consumers compare rates & reviews on financial products.

Loans

  • Personal Loans
  • Student Loans
  • Auto Loans
  • Mortgages


Company

  • About Us
  • Customer Support
  • Contact Us
© Copyright 2018 BrightRates · All Rights Reserved · Privacy Policy · Terms of Service · E-Consent
THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not make credit decisions, and does not charge any application fees. This Website does not constitute an offer or solicitation to lend. This Website provides a service wherein we submit the information you provide to one or more lending platforms and attempt to match you with a lending platform. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Providing your information on this Website does not guarantee that you will be matched with a lending platform or approved for a loan. The lending platform may perform a credit check or otherwise verify the information you provide. Not all lending partners offer loans up to the advertised amount and not all lending platforms can provide you with the loan amount you requested. Loan amounts are determined by the lending platform based on individual creditworthiness. All financial terms of the loan will be provided to you by the lending platform. Loan terms, conditions, and policies vary by lending platform, state, and applicant qualifications. For details, questions, or concerns regarding your loan please contact your lending platform directly. In some situations, faxing or emailing of documents may be required. Cash transfer times may vary between lending platforms and may depend on your individual financial institution. Loan repayment periods could vary by lending platform and location. Not all applicants will meet the lending criteria to qualify for a loan. Borrow Responsibly – A short-term loan is ideally used for short-term financial needs only, not as a long-term financial solution. Late or missed loan payments may be subject to increased fees and interest rates. lending platforms may use collection services for nonpayment of loans. We recommend seeking credit counseling if you have financial difficulties.