Consent for electronic signatures, records, and disclosures (“E-Consent”)

You are submitting a request to be connected with one of our third party lenders or lending partners. In order to offer you a loan, the third party lenders or lending partners 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

If you would like to receive a paper copy of any Disclosures, please contact your third party lender or lending partner directly. These Disclosures may be available to you by the third party lender or lending partner. Please note, some lenders or lending partners may charge a fee for sending you paper copies of Disclosures. The Lender or Lending Partner will retain all Disclosures as the applicable law requires.

Scope of Consent

This E-Consent applies to all interactions online concerning you and the third party lender or lending partner 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 or lending partner may process your information and interact during all online interactions with you electronically. They may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders’ or lending partners’ 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 or lending partners, you should consider whether you have the required hardware and software capabilities described below.

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: a 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 (i.e. Firefox, Internet Explorer, Netscape, etc.). To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X®. 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 or lending partners.

Modification of Consent Terms

BonsaiFinance.com reserves the right to modify these terms and conditions at our discretion, without notice.

Withdrawing Consent

Your E-Consent for our lender-finding service and for our third party lenders’ and lending partners’ consideration of your request cannot be withdrawn as it is a one-time transaction. Its legal effectiveness, validity, and enforceability will not be affected if you choose to withdraw this E-Consent. Upon being paired with one or more third party lenders or lending partners, you may withdraw your E-Consent with any of those third party lenders or lending partners at any time, and at no charge to you. Please note, if you withdraw your E-Consent prior to receiving a loan, you may be prevented from obtaining a loan from the lender or lending partner.

Change to Your Contact Information

You should keep third party lenders or lending partners informed of any change in your electronic address or mailing address. You may update such information by logging into their website or by sending them 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 or lending partner 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 or lending partners over the internet.