Electronic Communications Consent

Last updated: October 28, 2019

Possible Finance, our affiliates, lending partners, assignees and their service providers (“we”, “us” or “our”) process and communicate information electronically. In order to use our service and obtain a loan, and in order to view and retain a copy of the related notices, disclosures, any loan agreement, this consent to Electronic Communications, the Truth in Lending disclosures set forth in the loan agreement, change in terms notices, fee and transaction information, statements, delayed disbursement letters, consumer disclosures, state-mandated brochures and disclosures, adverse action notices, and any other information related to your loan (collectively, “Electronic Communications”), you must consent to receive all Electronic Communications electronically by checking the “I Agree” box on the login screen of our mobile app (“App”).

The Electronic Communications will be made available to you through our App. All Electronic Communications to you from us or our lending partners will be considered to have been made “in writing.” You should print or download a copy of this consent, the Terms of Use, and any other Electronic Communication that is important to you for your records.

This consent applies to all interactions online concerning you and the App and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By agreeing to this consent to Electronic Communications, you agree that all of our interactions with you and all information will be processed electronically. You also agree that your consent applies during the full course of our relationship with you. Electronic Communications may be provided by access to our online platform or through your designated e-mail address as either email attachments or as links embedded in emails that access a website that we own or control. Notwithstanding your consent to Electronic Communications, we may send you paper copies of documents, disclosures and notices.

Required Hardware and Software. In order to access certain personalized Electronic Communications, you will be required to log in to the App. Other Electronic Communications may be accessible on the public portion of our App. To access and retain Electronic Communications, at a minimum you will need to use the following computer software and hardware: a mobile phone capable of accessing the Internet, access to an e-mail account and an SSL-enabled modern web browser that supports HTML 5, JavaScript and CSS3. You will also need software capable of reading PDF files and have sufficient electronic storage capacity on your hard drive or other data storage facility, or a means to print or store notices and information through your browser software. By checking the “I Agree” box, you are agreeing and confirming that each device you use to access the App satisfies each of these requirements. If these requirements change while you are maintaining an active relationship with us and the change creates a material risk that you may not be able to receive Electronic Communications, we will notify you of these changes.

No Right to Paper or Non-Electronic Records. Electronic Communications are generally not available on paper or in a non-electronic form from us. If you do not consent to the use of Electronic Communications, you will not be able to use our service to obtain a loan. However, we may at our option provide a copy of an Electronic Communication in paper-based media as requested by you. You may request a paper copy of any Electronic Communication by e-mailing your request to us at: [email protected] If we agree to provide the requested paper copy of an Electronic Communication, we may charge you our current fees and charges for providing the paper copy. Requesting paper copies of Electronic Communications does not withdraw your consent to receive Electronic Communications electronically.

Withdrawing Your Consent. You may withdraw your consent to receive Electronic Communications or to the use of electronic signatures in connection with any future transactions with us at any time. We will not charge you any fees for withdrawing your consent. If you decide you do not want to receive Electronic Communications, or do not want to use electronic signatures in connection with any future transactions with us, you may withdraw your consent by contacting us via email. The legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected if you withdraw your consent. Regardless the status of your consent, you agree that we may continue to communicate with you electronically with respect to any document, disclosure or notice that is not required by law to be in writing. If you withdraw your consent to receive Electronic Communications electronically, it will significantly slow the speed at which we can deliver services to you.

Updating Your Contact Information. You should keep us informed of any change in your electronic address or mailing address. You may update such information by logging into the App and providing the updated information.

By checking the “I agree” box, you confirm that:

  • Your computer or device meets the hardware and software requirements described above;
  • You can access and read this Consent for Electronic Communications;
  • You can print on paper this Consent for Electronic Communications or save or send it to a place where You can print it, for future reference and access;
  • Until or unless you notify us as described above, you consent to receive and execute, exclusively through electronic means, all Electronic Communications that we are required to provide or make available to you during the course of your relationship with us; and
  • You consent to do business electronically with us and to view and sign the Electronic Communications electronically.