E-SIGN ACT CONSENT
DISCLOSURE AND CONSENT TO ELECTRONIC RECEIPT OF COMMUNICATIONS AND ELECTRONIC SIGNATURES (E-SIGN ACT CONSENT)
This E-SIGN Act Consent (this “Consent”) is provided by Access Finance (“Access Finance”) and as applicable to its financial partner, The Bank of Missouri (the “Bank”).
You understand that in order to request and apply for our card and engage in related transactions through us, and to view and retain a copy of the related notices, disclosures, agreements, authorizations, acknowledgements, terms and conditions, statements, receipts and other documents and records (collectively, “Communications”), or sign or submit any Communications to us at our request, during the course of our relationship with you, you must consent to receive Communications electronically and provide your signature electronically.
Please read this Consent carefully and thoroughly. By accepting this Consent, you affirmatively consent to the use of electronic Communications, electronic records and electronic signatures when transacting business with us.
1.SCOPE OF YOUR CONSENT.
Your consent applies to Communications related to all accounts, products, or services we offer, provide to you, or that you apply for, administer or access, now or in the future (the “Products”). Your consent includes, but is not limited to, Communications related to:
- Applying for or otherwise obtaining a product.
- Servicing, maintaining, using, or closing a product.
- Performing transactions or obtaining information in connection with a product.
The scope of Communications we will provide to you electronically includes Communications we are required by law to provide “in writing,” including legally required disclosures.
2.HOW YOUR CONSENT TO USE ELECTRONIC RECORDS AND SIGNATURES WILL APPLY.
In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form (“Electronic Records”). We may also use electronic signatures and obtain them from you as part of our transactions with you.
Electronic Records may be delivered to you in a variety of ways. In some cases, Electronic Records may be delivered via e-mail or through the Access Finance online platform. You should print or download a copy of any electronic Communications for your records, including this Consent.
In our sole discretion, we may provide you with any Communication in writing or send it to you via U.S. mail or other means of delivery, even if you have chosen to receive it electronically. We may require any information you provide to us, or any document you sign, to be delivered to us in writing, either in electronic format if you have consented to electronic receipt of communications or on a physical document if you have not given your consent.
3.GETTING PAPER COPIES.
You my request from us a paper copy of any Communication that we have provided or made available to you electronically without charge, provided that such request is made within a reasonable time after we first provided the Communication to you.
To request paper copies, you must send an e-mail to [email protected] with the subject line “Paper Document Request” and in the body of the e-mail you must state your e-mail address, full name, US Postal address, and telephone number. Please also specify (in the body of the email) which Communication you are requesting in paper copy.
Requesting paper copies, as specified above, does not remove your previously provided consent to receive electronic Communications. To withdraw your consent to receive any future Communications in electronic format, please follow the instructions below under “Withdrawing Your Consent.”
4.WITHDRAWING YOUR CONSENT.
You may withdraw your consent to receive Communications electronically by following the instructions below. If you withdraw your Consent prior to receiving the credit transaction, then your withdrawal will prevent you from obtaining an online credit transaction (i.e. a credit transaction obtained over the Internet). After your card has been issued, you may withdraw your consent to receive any future Communications in electronic format. Withdrawing your consent does not apply to origination disclosures or any other documents that were previously provided to you (electronically) prior to your card being issued.
How to withdraw your consent: You may withdraw your to receive future Communications electronically by sending an email to [email protected] with the subject line of “Withdraw Electronic Consent” and in the body of the email, state your full name, US Postal Address, email address, and telephone number. Your withdrawal of consent will be effective only after we have had a reasonable period of time to process your request.
5.CHANGE IN YOUR EMAIL ADDRESS OR OTHER CONTACT INFORMATION.
To ensure you receive all Communications in a timely manner, you agree to promptly notify us of any change in your email address or home mailing address. To let us know of a change in your email address of address information, access your online account and go to “Account Settings.” You may also email us at [email protected] with the subject line of “Update Contact Information.” Until you notify us of a change in your email address, any Communications delivered to your email address in our records will be deemed to have been delivered to you.
6.REQUIRED HARDWARE AND SOFTWARE.
In order to access and retain Communications electronically, you must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; supported Web browsing software (Chrome version 32.0 or higher, Firefox version 26.0 or higher, Internet Explorer version 8.0 or higher, or Safari version 7.0 or higher); and hardware capable of running this software. To ensure access and optimal printing of your documents in PDF format, you must have Adobe Reader and a functioning printer. To install the free version of Adobe Reader, click here.
7.FEDERAL LAW.
All Communications we provide to you in either electronic or paper format will be considered “in writing”. You should print or download for your records a copy of this Consent and any other Communications. You agree and we both intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) this Consent and (ii) our ability to communicate with you about your account and make changes requested by you or required on your account by electronic means.
8.TERMINATION / CHANGES.
We reserve the right, in our sole discretion, to discontinue the provision of electronic Communications at any time or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.
ACKNOWLEDGING YOUR ACCESS AND CONSENT TO RECEIVE MATERIALS ELECTRONICALLY AND TO CONDUCT BUSINESS ELECTRONICALLY.
By accepting this Consent, you are consenting to the use of electronic Communications, electronic records and electronic signatures in connection with your relationship with us, and also confirming: (i) your ability to access and read, and also print or save, this Consent and the Communications or any related documents and communications; (ii) you have provided a valid email address at which we can send electronic Communications to you; (iii) you have access to software and hardware that satisfies the above requirements to receive and review electronic records and Communications; (iv) you agree to the terms and conditions of this Consent; and (vi) by clicking the box referencing this Consent, you affix your electronic signature to this Consent.