E-Sign Disclosures

The Federal Electronic Signatures in Global and National Commerce Act (known as the ESIGN Act) allows the use of electronic records to satisfy any statute, regulation, or rule of law, as long as the information is provided in writing and the consumer has affirmatively consented to such use and has not withdrawn such consent.

As part of your relationship with us and with our lender partners and other affiliates, we want to ensure you have all of the information you need to complete your transaction. We are required by law to give you certain information “in writing,” which means you are entitled to receive it on paper. Under the ESIGN Act, we may provide this information to you electronically, with your consent. We also need your general consent to use electronic records and signatures in our relationship with you. Below you will find information about the scope of consent we are asking you to give us. Please read the information carefully.

Introduction

By agreeing to receive information from us and our partners and affiliates electronically, you will receive certain disclosures, notices, information, and documents related to your application and loan electronically through our web site, other web sites related to your application, or at the email address you provided to us. The documents you receive from us or our partners and affiliates electronically could include the application, this Consent for Electronic Documents, our Privacy Policy, notices of our lender partners’ credit decisions about your application, the Note and Security Agreement, and Final Truth and Lending Disclosures. This Consent for Electronic Documents informs you of your rights when receiving these Documents electronically. You will be unable to submit an application unless you consent initially to the use of these electronic documents.

Option to Receive Paper Copies

Depending on the lender you choose, you may be able to request paper versions of your electronic records. Please contact your lender directly.

Hardware and Software Requirements

Before you decide to receive the documents electronically, you must determine if you have the necessary hardware and software to access and retain the documents. You will need a working email address, Adobe Acrobat Reader, and a personal computer or other access device that can access the Internet using a web browser. To retain the documents, your personal computer or access device must allow you to download and save documents to your hard drive or external storage media, print web pages as well as embedded HTML files, or both. Save or print this page to be sure you have the necessary hardware and software.

Withdrawing Consent

You may withdraw your consent to receive documents electronically at any time by emailing us at admin@outsidefinancial.com. If you choose to do so, we will be unable to process your application at this time. If you decide to withdraw your consent, any document that we previously provided to you electronically will remain valid, enforceable, sufficient for its intended purpose, and unaffected by the withdrawal of your consent. If you decide to withdraw your consent for electronic documents, you will not have the option later to receive documents from us electronically.

Updating Your Contact Information

To update your email address or mailing address, please log into your account.

Consent and Acknowledgment

By completing all of the required fields in your application and clicking the “apply” button, you acknowledge and agree to receive documents electronically.

You also acknowledge and agree that:

  1. You can receive documents electronically and can access and retain those documents;
  2. You can receive and read email messages sent to the email address you have provided to us;
  3. You can access information communicated electronically on our website or in other electronic communications from us or our partners or affiliates;
  4. The actions described above or on the documents will serve as your electronic signature on any such documents; and
  5. You are providing your consent to receive electronic communications from us under the ESIGN Act, and intend that this law apply to your transactions with us and our partners or affiliates.

Please print or save a copy of these E-Sign Disclosures for your records.