CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES

 When you submit a registration form on the Site in connection with a request for information on loan-related products and/or services, you are submitting a request to be connected with independent, third-party lenders ("Third-Party Lenders"). In order to facilitate your request for loan-related products and/or services, we and our Third-Party Lenders may require your consent to use and accept electronic signatures, records and disclosures ("E-Consent"). This Consent for Electronic Signatures, Records and Disclosures (“E-Consent Form”) notifies you of your rights when receiving electronic disclosures, notices and other information. By clicking on the link consenting to our Terms & Conditions of Use, you acknowledge that you have read and agreed to this E-Consent Form, and that you consent to conduct transactions using electronic signatures, and to receive electronic disclosures, electronic records and electronic contract documents from us ("Electronic Disclosures").

OPTION FOR PAPER OR NON-ELECTRONIC RECORDS

You may request to receive disclosures and other records from Third-Party Lenders in paper form, instead of as Electronic Disclosures, by contacting the applicable Third-Party Lender(s) directly. They will provide paper copies at no charge and will likely retain all Electronic Disclosures as applicable law requires. You may request to receive disclosures and other records from us in paper form, instead of as Electronic Disclosures, by contacting us directly at [email protected]. We will provide paper copies at no charge and will likely retain all Electronic Disclosures as applicable law requires.

SCOPE OF CONSENT

Your E-Consent detailed in this E-Consent Form applies to all interactions that occur online between you and the Third-Party Lenders, including clicking through buttons, checking boxes or other industry standard practices and processes implemented by us and our Third-Party Lenders, and includes those interactions engaged in on mobile devices, including smart-phones and tablets. In reliance on your E-Consent, the Third-Party Lenders may process your information electronically, and provide you with Electronic Disclosures in connection with their respective products, services and their transactions with you.

CONSENTING TO DO BUSINESS ELECTRONICALLY

Before you decide to receive Electronic Disclosures from, and conduct business electronically with, a Third-Party Lender, you should consider whether you have the required hardware and software capabilities described below.

HARDWARE AND SOFTWARE REQUIREMENTS

To access and retain the Electronic Disclosures, you may 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 Chrome®, Microsoft® Internet Explorer, or Mozilla Firefox®. To read some documents, you may need a PDF file reader such as Adobe® Reader. You may need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Electronic Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the applicable Third-Party Lender(s).

WITHDRAWING CONSENT

Your E-Consent for our infomediary services and for your request to be contacted by our Third-Party Lenders cannot be withdrawn because that E-Consent is made in connection with a one-time transaction. However, if you are connected with one or more Third-Party Lenders, you are free to withdraw your E-Consent with those individual Third-Party Lenders at any time, and at no charge. If you decide to withdraw this E-Consent, the legal effectiveness, validity and enforceability of prior Electronic Disclosures will not be affected.

CHANGES TO YOUR CONTACT INFORMATION

You should keep any Third-Party Lenders that you may be connected with informed of any change in your e-mail address or physical mailing address.

CONSENT

BY SUBMITTING A REGISTRATION FORM ON THE SITE IN CONNECTION WITH A REQUEST FOR INFORMATION ON LOAN-RELATED PRODUCTS AND/OR SERVICES, YOU ACKNOWLEDGE AND AGREE THAT YOU: (a) HAVE READ THIS E-CONSENT FORM AND CONSENT TO THE PROVISIONS CONTAINED HEREIN; AND (b) ARE SUBMITTING A LEGALLY BINDING ELECTRONIC SIGNATURE AND ARE ENTERING INTO A LEGALLY BINDING CONTRACT. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DISCLOSURES IN THE DESIGNATED FORMATS AS DESCRIBED ABOVE.  PURSUANT TO ANY AND ALL APPLICABLE STATUTES, REGULATIONS, RULES, ORDINANCES OR OTHER LAWS INCLUDING, WITHOUT LIMITATION, THE UNITED STATES ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT, P.L. 106-229 (THE “E-SIGN ACT”) AND OTHER SIMILAR STATE AND FEDERAL STATUTES, YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH ANY THIRD PARTIES, INCLUDING THIRD-PARTY LENDERS, ELECTRONICALLY. FURTHER, YOU HEREBY WAIVE ANY RIGHTS AND/OR REQUIREMENTS UNDER ANY STATUTES, REGULATIONS, RULES, ORDINANCES OR OTHER LAW IN ANY JURISDICTION WHICH REQUIRES AN ORIGINAL SIGNATURE OR DELIVERY OR RETENTION OF NON-ELECTRONIC RECORDS.  YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. YOU ACKNOWLEDGE AND AGREE THAT YOU HAVE THE ABILITY TO PRINT ELECTRONIC DISCLOSURES, OR OTHERWISE KNOW HOW TO STORE ELECTRONIC DISCLOSURES IN A WAY THAT ENSURES THAT SUCH ELECTRONIC DISCLOSURES REMAIN ACCESSIBLE TO YOU IN UNCHANGED FORM.  YOU ACKNOWLEDGE AND AGREE THAT YOU WERE ABLE TO PRINT THIS E-CONSENT FORM ON PAPER OR ELECTRONICALLY SAVE THIS PAGE FOR YOUR FUTURE REFERENCE AND ACCESS. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD-PARTY LENDERS OVER THE INTERNET.