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Installment Loan Privacy Policy

We are serious about protecting your online privacy. This Privacy Statement explains our views and practices concerning privacy, and how they may pertain to you as a user of our website.

"You" or "Your" means you as a participant in or as a user of our program. "We" or "Our" or "Us" means us, providing the program.

All information transmitted, printed or otherwise submitted to us via this website shall be deemed to be the property of us and we shall be free to use such information for any lawful purpose as detailed herein.

This site contains links to other sites and we are not responsible for the privacy practices or the content of such sites.

We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.

What Information We Collect

We automatically collect and/or track the following:

  1. Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
  2. Information knowingly provided by you through on-line forms, registration forms, surveys, and or other entries, such as email addresses, personal, financial or demographic information;
  3. Information, user specific or aggregate, on what pages our visitors access and the e-mail addresses of visitors that communicate with us via e-mail.

How We Use That Information

We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailing regarding site updates, new products and services, upcoming events, and/or status of orders placed online. By using this site, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do not call registry, in-house list or similar registry. If you choose to provide personal information it will be used for the following purposes:

  1. Considering you for a personal or payday loan through the loan provider.
  2. Updates, Newsletters and Advertisements from our publishing department which includes the Better Times Newsletter.

Disclosure of Data to Third Parties

When you submit the application form(s) we share your information with one or more participating lenders. By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product and each of the participating lenders to whom we transmit your loan request. By submitting the application form(s), you are extending an express invitation to each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.

If you checked "Yes" to Credit Offers from third parties it will be used for marketing products and services which we determine, in our sole judgment, that you might find of interest.

Your Opt-Out Rights

You may opt-out of receiving communications from us by not submitting your information. We also allow you to remove your information from our database by using the unsubscribe link on our website and email communications. If you remove your information from our database it will no longer be used by us to send promotional correspondences to you although you may still receive promotions from our third party partners. We take your privacy seriously and we do not tolerate spam.

Anti Spam Policy. Can-Spam Act Compliance

We are dedicated to ensuring compliance with the 'Can-Spam Act', which took effect January 1, 2004. You may receive mail from us in the following circumstances:

  1. Acknowledging your application has been received and requesting additional action
  2. Requests for additional information to support your current application
  3. Response to your inquiries regarding the status of your loan, payment due dates, extension requests and other transactional requests
  4. Thanking you for your valued business
  5. Advertisements for our products, services, changes in services, new product availability
  6. Advertisements for third party products and services where we have determined that such product or service may be of interest to our customers

We Do Not Intend To Collect Data from Children

The information and services provided us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside our site.

Our Right to Contact You

We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you.

Notice to California Residents

We have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. Pursuant to state law, our site may not share information it collects about you with its Affiliated Companies or with Non-Affiliated Third Parties, except in the limited circumstances permitted under state law, or if you give us your permission. California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please write to us at attn: Customer Service, 4521 PGA Blvd #155, PBG, FL 33418.

Notice to New York Residents

This service is not available in New York or to New York borrowers due to interest rate limits under New York law.

Our Right to Change

We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our site.

Installment Loan Privacy Policy updated on: 03.30.15

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Installment Loan Notices and Disclosures

NOTICE: We adhere to the US PATRIOT Act and we are required by law to adopt procedures to request and retain in our records information necessary to verify your identity.

NOTICE: A personal loan provides the cash needed to meet cash flow problems. It is not a solution for long term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community.

Company's Services: This website does not provide loans, however we do connect applicants with a reputable installment loan or cash advance loan providers that may provide them with a loan or cash advance.

Company is not a lender or a loan provider. Nor is Company an agent, representative, or broker thereof. We do not make loans or credit decisions. This Site does not constitute an offer or solicitation to lend. Company is merely a free referral service through which consumers can connect with its network of prospective independent, third party lenders, data managers, and/or brokers (hereinafter Financial Service Providers) with whom Company has contracted to provide matching services. Company facilitates connecting consumers interested in loan amounts between $100 and $1,000 for cash advance or $1,001 and $2,500 for an installment loan with Financial Service Providers (hereinafter "Company's services"). Not all Financial Service Providers can provide up to $1,000 cash advance or up to $2,500 installment loan.

Any compensation Company may receive is paid by a Financial Service Provider for advertising services provided. Please note that information we provide You on the Site may not meet Your particular needs and that You should seek the advice of an appropriate financial professional for an assessment of the loan information provided by Financial Service Providers. Company has no involvement or responsibility in connection with a Financial Service Provider's use of the information that You submit, including, without limitation, if You meet loan qualification criteria.

You expressly agree that Company shall not be liable for any damages or costs of any type arising out of or in any way connected with the loan You enter into or Your use of this Site. To register for Company's services, You must agree to these Terms & Conditions of Use, as well as Company's Privacy Policy and E-Consent. You must also accurately complete and submit one or more forms that require certain personal, employment, and financial information.

Once You submit Your information, we share it with Financial Service Providers. The collection, use, and sharing of this information is subject to these Terms & Conditions of Use, and Company's Privacy Policy and E-Consent. By registering for Company's services, You understand that You are requesting a referral for a loan from the Financial Service Providers with whom we may share Your information. You further understand that such Financial Service Providers may contact You via email, telephone/mobile device and direct mail so that they may assist You in obtaining the loan requested. Financial Service Providers, Company and/or third party marketing partners may also provide information to You about additional services and products that you may be interested in.

Financial Service Providers may verify Your social security number, perform credit checks with reporting bureaus, review Your information against national consumer transaction databases and/or obtain consumer reports through alternative providers. Company does not guarantee You will be connected with a Financial Service Provider.

Company does not endorse, recommend, or guarantee the loan availability, price, product, availability, rates, fees or any other loan terms of Financial Service Providers. Nor do we guarantee that that this is the most suitable loan for You in the current marketplace. By submitting Your information to us, You expressly agree to permit Financial Service Providers to verify and investigate the information You have provided.

If You are connected with a Financial Service Provider, You understand Company is not a party to any agreement between You and the Financial Service Provider and that we have no involvement in the registration process. All loan terms are that of the Financial Service Provider. The Financial Service Provider is solely responsible for its services to You and Your communications with the Financial Service Provider are subject to such Financial Service Provider's terms, conditions and privacy practices. You acknowledge that Financial Service Providers may retain the information You provide regardless of whether You ultimately qualify for a loan. Please direct all questions, comments, or concerns involving Your loan to the Financial Service Provider.

Arbitration of All Disputes: You and we agree that any and all claims, disputes or controversies between you and us, any claim by either of us against the other (or the employees, officers, directors, agents, servicers or assigns of the other) and any claim arising from or relating to your application for this loan, regarding this loan or any other loan you previously or may later obtain from us, this Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes regarding the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum (NAF) in effect at the time the claim is filed. This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or at 'National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405.' Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of any participatory, documentary or telephone hearing, if one is held at your or our request, will be paid for solely by us as provided in the NAF Rules and, if a participatory hearing is requested, it will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.

NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.

Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.

By submitting this Application you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are applying. By submitting below you also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions.(This Application will be deemed incomplete and will not be processed by us unless signed by you.)

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Payday Loan Privacy Policy

We are serious about protecting your online privacy. This Privacy Statement explains our views and practices concerning privacy, and how they may pertain to you as a user of our website.

"You" or "Your" means you as a participant in or as a user of our program. "We" or "Our" or "Us" means us, providing the program.

All information transmitted, printed or otherwise submitted to us via this website shall be deemed to be the property of us and we shall be free to use such information for any lawful purpose as detailed herein.

This site contains links to other sites and we are not responsible for the privacy practices or the content of such sites.

We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.

What Information We Collect

We automatically collect and/or track the following:

  1. Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
  2. Information knowingly provided by you through on-line forms, registration forms, surveys, and or other entries, such as email addresses, personal, financial or demographic information;
  3. Information, user specific or aggregate, on what pages our visitors access and the e-mail addresses of visitors that communicate with us via e-mail.

How We Use That Information

We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailing regarding site updates, new products and services, upcoming events, and/or status of orders placed online. By using this site, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do not call registry, in-house list or similar registry.

If you choose to provide personal information it will be used for the following purposes:

  1. Considering you for a payday loan through the payday loan provider.
  2. Updates, Newsletters and Advertisements from our publishing department which includes the Better Times Newsletter.

Disclosure of Data to Third Parties

When you submit the application form(s) we share your information with one or more participating lenders. By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product and each of the participating lenders to whom we transmit your loan request. By submitting the application form(s), you are extending an express invitation to each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.

If you checked "Yes" to Credit Offers from third parties it will be used for marketing products and services which we determine, in our sole judgment, that you might find of interest.

Your Opt-Out Rights

You may opt-out of receiving communications from us by not submitting your information. We also allow you to remove your information from our database by using the unsubscribe link on our website and email communications. If you remove your information from our database it will no longer be used by us to send promotional correspondences to you although you may still receive promotions from our third party partners. We take your privacy seriously and we do not tolerate spam.

Anti Spam Policy. Can-Spam Act Compliance

We are dedicated to ensuring compliance with the 'Can-Spam Act', which took effect January 1, 2004. You may receive mail from us in the following circumstances:

  1. Acknowledging your application has been received and requesting additional action
  2. Requests for additional information to support your current application
  3. Response to your inquiries regarding the status of your loan, payment due dates, extension requests and other transactional requests
  4. Thanking you for your valued business
  5. Advertisements for our products, services, changes in services, new product availability
  6. Advertisements for third party products and services where we have determined that such product or service may be of interest to our customers

We Do Not Intend To Collect Data From Children

The information and services provided us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside our site.

Our Right To Contact You

We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you.

Notice to California Residents

We have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. Pursuant to state law, our site may not share information it collects about you with its Affiliated Companies or with Non-Affiliated Third Parties, except in the limited circumstances permitted under state law, or if you give us your permission.

California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please write to us at attn: Customer Service, 4521 PGA Blvd #155, PBG, FL 33418.

Notice to New York Residents

This service is not available in New York or to New York borrowers due to interest rate limits under New York law.

Our Right To Change

We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our site.

Payday Loan Privacy Policy updated on: 03.30.15

Back to top


Payday Loan Notices and Disclosures

NOTICE: We adhere to the US PATRIOT Act and we are required by law to adopt procedures to request and retain in our records information necessary to verify your identity.

NOTICE: A short term loan provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community. You will be charged additional fees if you renew the loan.

Company's Services: This website does not provide loans, however we do connect applicants with a reputable installment loan or cash advance loan providers that may provide them with a loan or cash advance.

Company is not a lender or a loan provider. Nor is Company an agent, representative, or broker thereof. We do not make loans or credit decisions. This Site does not constitute an offer or solicitation to lend. Company is merely a free referral service through which consumers can connect with its network of prospective independent, third party lenders, data managers, and/or brokers (hereinafter Financial Service Providers) with whom Company has contracted to provide matching services. Company facilitates connecting consumers interested in loan amounts between $100 and $1,000 for cash advance or $1,001 and $2,500 for an installment loan with Financial Service Providers (hereinafter "Company's services"). Not all Financial Service Providers can provide up to $1,000 cash advance or up to $2,500 installment loan.

Any compensation Company may receive is paid by a Financial Service Provider for advertising services provided. Please note that information we provide You on the Site may not meet Your particular needs and that You should seek the advice of an appropriate financial professional for an assessment of the loan information provided by Financial Service Providers. Company has no involvement or responsibility in connection with a Financial Service Provider's use of the information that You submit, including, without limitation, if You meet loan qualification criteria.

You expressly agree that Company shall not be liable for any damages or costs of any type arising out of or in any way connected with the loan You enter into or Your use of this Site. To register for Company's services, You must agree to these Terms & Conditions of Use, as well as Company's Privacy Policy and E-Consent. You must also accurately complete and submit one or more forms that require certain personal, employment, and financial information.

Once You submit Your information, we share it with Financial Service Providers. The collection, use, and sharing of this information is subject to these Terms & Conditions of Use, and Company's Privacy Policy and E-Consent. By registering for Company's services, You understand that You are requesting a referral for a loan from the Financial Service Providers with whom we may share Your information. You further understand that such Financial Service Providers may contact You via email, telephone/mobile device and direct mail so that they may assist You in obtaining the loan requested. Financial Service Providers, Company and/or third party marketing partners may also provide information to You about additional services and products that you may be interested in.

Financial Service Providers may verify Your social security number, perform credit checks with reporting bureaus, review Your information against national consumer transaction databases and/or obtain consumer reports through alternative providers. Company does not guarantee You will be connected with a Financial Service Provider.

Company does not endorse, recommend, or guarantee the loan availability, price, product, availability, rates, fees or any other loan terms of Financial Service Providers. Nor do we guarantee that that this is the most suitable loan for You in the current marketplace. By submitting Your information to us, You expressly agree to permit Financial Service Providers to verify and investigate the information You have provided.

If You are connected with a Financial Service Provider, You understand Company is not a party to any agreement between You and the Financial Service Provider and that we have no involvement in the registration process. All loan terms are that of the Financial Service Provider. The Financial Service Provider is solely responsible for its services to You and Your communications with the Financial Service Provider are subject to such Financial Service Provider's terms, conditions and privacy practices. You acknowledge that Financial Service Providers may retain the information You provide regardless of whether You ultimately qualify for a loan. Please direct all questions, comments, or concerns involving Your loan to the Financial Service Provider.

Arbitration of All Disputes: You and we agree that any and all claims, disputes or controversies between you and us, any claim by either of us against the other (or the employees, officers, directors, agents, servicers or assigns of the other) and any claim arising from or relating to your application for this loan, regarding this loan or any other loan you previously or may later obtain from us, this Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes regarding the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum (NAF) in effect at the time the claim is filed. This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or at 'National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405.' Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of any participatory, documentary or telephone hearing, if one is held at your or our request, will be paid for solely by us as provided in the NAF Rules and, if a participatory hearing is requested, it will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.

NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.

Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.

By submitting this Application you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are applying. By submitting below you also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions.(This Application will be deemed incomplete and will not be processed by us unless signed by you.)

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CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be matched with one of our third party lenders. In order to offer you a loan, the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lender directly. The lenders will provide paper copies at no charge. The lenders will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders' websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the third party lenders, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lenders.

Withdrawing Consent. Your E-Consent for our matching service and for our third party lenders' consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third party lenders, you are free to withdraw your E-Consent with those third party lenders at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender. Contact the third party lender directly if you wish to withdraw this E-consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

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