E-Sign Consent

E-SIGN Consent to Use Electronic Records and Signature.

Wisetack and its lending partners and assigns (collectively, “Wisetack,” “we,” or “us”) are legally required to provide you with certain disclosures and information about the use of electronic records and electronic signatures as well as the electronic delivery of disclosures, documents, notices, and other information.

Electronic Delivery of Disclosures and Notices. 

The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”) and related state laws.  As part of the application process, including the establishment and ongoing maintenance of the related payment and servicing account, you have the option to receive all required documents and disclosures electronically.  In order for you to take advantage of this service, you must first be provided with this E-SIGN Disclosure and Consent document. After reading this document carefully, you can consent to receive disclosures, notices, and other documents and all changes to the disclosures, notices, etc. (“Records and Communications”) electronically.

Your agreement permits us to communicate with you via email and allows our general use of electronic records and electronic signatures in connection with your loan and use of online account services.   You further agree that your computer or mobile device satisfies the hardware and software requirements specified below and that you have provided us with a current email address to which we may send electronic Records and Communications to you. If you do not consent to receiving Records and Communications or transacting via electronic records or signatures, you should not use the Wisetack services.

Types of Disclosures and Notices That Will be Provided in Electronic Form.

You agree that we may provide you with Records and Communications in electronic format. Your consent to receive electronic Records and Communications includes, but is not limited to:

  • All legal and regulatory disclosures, documentation, contracts and other communications related to your loan and online account services;

  • Notices or disclosures about a change in the terms concerning the loan and online account and related services (including payment services);

  • Privacy policies and notices.

  • Other Communications that we may include from time to time as part of our products and services.

 

Providing Records and Communications in Electronic Form.

Once you have consented, we will provide Records and Communications to you in electronic form by (i) by email and hyperlinks included in emails, (ii) websites, (iii) mobile applications, (iv) mobile websites, or (v) SMS messages (including text messages).

Hardware and Software Requirements.

To receive an electronic copy of Records and Communications, you must have: (1) a personal computer or other device capable of accessing the Internet; (2) internet access; (3) a valid email address and mobile device that can receive text messages; (4) a widely-used, recent-generation web browser (for example, Chrome or Firefox); (5) a current version of a program that accurately reads and displays PDF files (such as Adobe Reader 8 or above); (6) a printer, hard drive or other storage capability.

Your access to this page verifies that your system/device/software meets these requirements listed above.

 

Additional Mobile Technology Requirements. 

 

If you are accessing our site and any consents or disclosures electronically via a mobile device (such as a smartphone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save any such consents or disclosures presented to you during the application process.  These applications can be found for most mobile devices in the devices’ respective “app store”.  If you do not have these capabilities on your mobile device, please access our site through a device that provides these capabilities.

 

How to Withdraw Consent.

You may withdraw your consent to receive Records and Communications in electronic form by contacting us at support@wisetack.com and 1-833-927-0333.  Withdrawing your consent will cancel your agreement to receive Records and Communications in an electronic format related to your loan and online account services and may impact your ability to use online account applications. 

Any withdrawal of your consent to receive electronic Records and Communications will be effective only after we have a reasonable period of time to process your withdrawal.  You will not be charged a fee for withdrawing your consent to receive electronic Records and Communications.

How to Update Your Information.

You are responsible to provide us with a true, accurate and complete email address, contact and other information related to this E-SIGN Disclosure and Consent, and to maintain and update promptly any changes in that information.  You can update your information through your online account portal or by contacting our servicing partner Scratch Services at (844) 727-2684.

 

Requesting Paper Copies.

We will not send a paper copy of any Records and Communications to you unless you request it or we otherwise deem it appropriate to do so.  You can obtain a paper copy of your electronic Records and Communications by printing it yourself or by requesting that we mail you a paper copy.  To request a paper copy of any Records and Communications be mailed to you, contact our servicing partner Scratch Services at (844) 727-2684.  Please be sure to state that you are requesting a paper copy of particular Records and Communications.  You will not be charged a fee for such a request. 

Records and Communications in Writing.

All Records and Communications in electronic or paper format from us to you will be considered “in writing.”  You should print or download for your records a copy of this E-SIGN Disclosure and Consent and any other Records and Communications important to you.

Termination/Changes.

Wisetack reserves the right, in our sole discretion, to discontinue the provision of electronic Records and Communications, or to terminate or change the terms and conditions on which we provide electronic Records and Communications.  We will provide you with notice of any such termination or change as required by law.