E-Consent

Consent for Electronic Signatures, Records, and Disclosures

Please read this E-Consent carefully and keep a copy for your records.

Introduction

You are submitting a request through a website or service operated by Credit Boxed Inc. Credit Boxed Inc. operates a loan connection and consumer financial marketing service that may share your request with participating third-party lenders, loan marketplaces, lead buyers, financial service providers, verification providers, marketing partners, service providers, and other companies that may review, process, respond to, or help facilitate your request. These parties are referred to in this E-Consent as “Participating Providers.” In order for Credit Boxed Inc. and Participating Providers to process, review, respond to, or communicate with you regarding your request, you consent to the use of electronic signatures, electronic records, electronic notices, electronic disclosures, electronic communications, and electronic contract documents.

By clicking a button or checking a box indicating your agreement, submitting your request, or otherwise assenting to this E-Consent, you acknowledge that you have received and reviewed this E-Consent and that you consent to conduct transactions electronically with Credit Boxed Inc. and Participating Providers.

Scope of Consent

Your consent applies to all electronic interactions, communications, records, notices, agreements, and disclosures relating to your use of the Service, your submitted request, andany products or services offered, reviewed, processed, or made available by Credit Boxed Inc. or Participating Providers.

This may include, but is not limited to:

  • terms and conditions;
  • privacy policies and privacy notices;
  • electronic consent records;
  • loan request confirmations;
  • requests for additional information;
  • application documents;
  • lender, marketplace, or provider disclosures;
  • credit-related disclosures;
  • Truth in Lending Act disclosures or other loan disclosures provided by a lender or provider;
  • loan agreements or related contract documents;
  • status updates, approval notices, denial notices, or other decision notices;
  • servicing, account, or payment-related communications from a provider;
  • marketing or promotional communications where permitted by law; and
  • any other disclosures, notices, or records required by law or related to your request.

Electronic communications may be provided through the Supaloan website, by email, by text message where permitted, through a Participating Provider’s website or application process, by downloadable document, or by another electronic method permitted by law.

Consent to Do Business Electronically

Before agreeing to do business electronically, you should confirm that you have the hardware and software needed to access, view, save, and print electronic records and disclosures. By consenting, you agree that electronic signatures, electronic records, and electronic disclosures have the same legal effect as paper documents and handwritten signatures, to the fullest extent permitted by applicable law.

Hardware and Software Requirements

To access and retain electronic disclosures, you will need:

  • a computer, smartphone, tablet, or other device capable of accessing the internet;
  • a current internet browser that supports secure communications;
  • access to a valid email account;
  • software capable of viewing PDF files, where applicable;
  • sufficient storage space to save electronic documents or access to a printer to print them; and
  • the ability to open, read, save, and print electronic communications and attachments.If your hardware, software, browser, email address, or access method changes in a way that may prevent you from receiving or retaining electronic disclosures, you should stop using the Service and contact us or the applicable Participating Provider.

Paper Copies

You may request a paper copy of certain electronic records or disclosures from Credit Boxed Inc. by contacting us at hello@supaloan.com. If the records or disclosures were provided by a Participating Provider, including a lender, marketplace, or financial service provider, you may need to request paper copies directly from that Participating Provider. The Participating Provider may have its own process for providing paper copies and may charge a fee where permitted by law.

Withdrawing Consent

You may withdraw your consent to receive electronic communications from Credit Boxed Inc. by contacting us at hello@supaloan.com. Because the loan connection request is processed electronically, withdrawing consent may prevent Credit Boxed Inc. from continuing to process your request through the Service. If your request has already been submitted or shared, withdrawal of consent will not affect the legal validity or enforceability of any electronic records, disclosures, consents, or communications provided before the withdrawal became effective. If you are connected with, redirected to, contacted by, or otherwise engage with a Participating Provider, you may need to withdraw electronic consent separately with that Participating Provider. Withdrawal of consent from a Participating Provider may affect your ability to complete an application, receive disclosures, obtain credit, or proceed with a product or service from that Participating Provider.

Updating Your Contact Information

You agree to provide accurate contact information and to keep your email address, phone number, and other contact details current. If your email address or other contact information changes, you should notify Credit Boxed Inc. or the applicable Participating Provider as appropriate. Credit Boxed Inc. is not responsible for communications that are not received because you provided incorrect, outdated, blocked, inaccessible, or inactive contact information.

Retention of Electronic Records

Credit Boxed Inc. and Participating Providers may retain electronic records, disclosures, consents, signatures, communications, and transaction records as permitted or required byapplicable law, contract, compliance requirements, audit obligations, and business recordkeeping practices.

Your Agreement

By clicking a button or checking a box indicating your agreement, submitting your request, or continuing to use the Service, you confirm that:

  • you can access and read this E-Consent;
  • you can access, save, or print electronic disclosures;
  • you consent to the use of electronic signatures, records, disclosures, and communications by Credit Boxed Inc. and Participating Providers;
  • you understand that paper copies may be requested as described above;
  • you understand that you may withdraw consent as described above; and
  •  you understand that withdrawing consent may affect your ability to use the Service or proceed with a Participating Provider.