Certain laws and regulations require us to provide communications, including notices and disclosures, to you “in writing,” which means you may be entitled to receive the information on paper. With your consent, the E-SIGN Act allows us to provide you communications electronically and to conduct transactions with you electronically.
Please read this Authorization carefully prior to providing us with your consent. This Authorization describes how we deliver and receive communications to and from you electronically, and asks you to consent to use electronic records and signatures in our relationship with you. If you do not agree to this Authorization or you later withdraw your consent provided herein, you may not be able to continue to use our services (the “Service”).
Scope of this Authorization.
This Authorization applies to all Communications and Services. By agreeing to this Authorization, applying for a Service or using a Service, you agree that any Communications will be provided in electronic format, to the extent allowed by law, and that paper Communications will not be sent. Your consent to receive electronic Communications and transactions includes, but is not limited to, all legal and regulatory disclosures and communications associated with the Service; any Service terms, including any amendments thereto; any and all agreements by and between you and us that relate to a Service or to us; notices; responses to claims filed in connection with a Service; and all other communications between us and your concerning the Service and any related transactions.
This Authorization will remain effective until expressly withdrawn by you or terminated by us. We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, 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.
Electronic Delivery of Communications.
All Communications that we provide in electronic form will be provided either by e-mail, by access to our website designated in a notice from us, through any mobile application we may make available to you, to the extent permitted by law, by access to a website generally designated for such purpose, or in the manner specified in any other agreement we or our affiliates have with you.
All Communications in electronic format from us to you will be considered “in writing.” You should print or download a copy of this Authorization and any other Communications for your records.
This Authorization will apply to any a new Service, service or account you may seek to procure or obtain from us. We may remind you that you have already consented to receiving electronic Communications and using electronic signatures in your relationship with us. We may make changes to this Authorization at any time. Continuing to use our Services after receiving updates to our system requirements (described below) or receiving notice of any update or modification to this Authorization signifies your acceptance of the change and reaffirmation of your consent.
Keeping your Records Current.
It is your responsibility to provide us with a true, accurate and complete name, e-mail address, and other information related to this Authorization and a Service, and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) by notifying us through means we make available to you; such means may include a mobile application or website we may make available to you. We are not responsible for any delay or failure in the receipt of the Communications due to you not providing us with true, accurate or complete information.
System Requirements for Accessing Communications.
In order to access, view, and retain electronic Communications that we make available, you must have:
- A mobile device with any of the following operating systems: Android or iOS (iPhone).
- A data plan provided by your wireless carrier and an up-to-date mobile internet browser that is compatible with, and supported by, your operating system (e.g., Chrome or Safari).
- If you wish to view .pdf files on your mobile device, you will need software that accurately reads and displays .pdf files (such as the mobile version of Adobe Reader).
- A printer and/or storage device if you wish to print or retain any electronic documents.
- We may update these requirements as necessary to preserve the ability to receive electronic Communications. If there is a substantial change in these requirements, you will be notified as required by law.
Requesting Paper Copies.
We will not send paper copies of any Communication; however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically. You can obtain a paper copy of an electronic Communication by printing it or by requesting that we mail a paper copy. To request a paper copy, call us at 1-800-805-4023 during normal business hours, except for national holidays. There may be a fee associated with the request for the delivery of paper copies of any Communication provided electronically pursuant to this Authorization.
Withdrawing Your Authorization.
You may withdraw your consent to receive Communications in electronic form at any time by providing us notice of your intent to revoke this Authorization, such notice to be provided in accordance to the terms of any agreement we may have with you. If you do withdraw your consent, we may terminate access to any Service, except where prohibited by law. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your request for withdrawal. In the meantime, you will continue to receive Communications in electronic form. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.
By applying for or using a Service or by checking any call to action (including “Submit” or similar language), you: (i) are agreeing to all terms and conditions set forth in this Authorization; (ii) are voluntarily and affirmatively authorizing Communications in electronic form, including conducting transactions electronically, as set forth herein; (iii) are confirming that you meet the system requirements described above; (iv) have demonstrated your ability to receive, retain, and view electronic documents on your mobile device; and (v) have an active and valid email address.