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.
