CONSENT TO ELECTRONIC RECEIPT OF ELECTRONIC CONSUMER DISCLOSURES
Last updated: July 23 2021
From time to time, the loan processor may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically through your online account. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to these terms and conditions, please confirm your agreement by submitting your loan application. If you would prefer to receive your communications via paper mail, reach out to us at info@a-m.money. Please note that if you elect to receive required notices and disclosures only in paper format, it will significantly slow the speed at which we can complete certain steps in transactions with you and delivering services to you.
This CONSENT TO ELECTRONIC RECEIPT OF ELECTRONIC CONSUMER DISCLOSURES ("Notice") applies to all communications, as defined below, for services provided by “Originator” and our affiliates (A.M. Money, Inc or "We"). Under this Notice, communications you receive in electronic form from us will be considered "in writing."
COVERED COMMUNICATIONS
The records that you agree to receive in electronic form may include, but are not limited to, disclosures and communications we provide to you regarding our services such as: (i) terms and conditions, privacy statement or notices and any changes thereto; (ii) pre-payment disclosures, transaction receipts and confirmations; and (iii) customer service communications (such as claims of error communications) ("Communications"). You also understand that the Communications will include agreements related to your loan that you will execute electronically.
METHODS OF PROVIDING COMMUNICATIONS
We may provide Communications to you by email or by making them accessible on the Originator websites, mobile applications, or mobile websites (including via "hyperlinks" provided online and in e-mails). Communications will be provided online and viewable using browser software or PDF files.
Getting paper copies
At any time and without charge, you may print a paper copy of a disclosure or other document provided to you by accessing it via your online account. You may also request a paper copy of any record provided or made available electronically to you by us by calling (312) 262 2498 or emailing info@a-m.money.
Please note that a request for a paper version of any disclosure or document will not by itself constitute a withdrawal of consent to receive communications from us electronically.
Withdrawing your consent
If you decide to receive notices and disclosures from us electronically, you may at any time and without charge change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. You may withdraw your consent by: (1) calling us at (312) 262 2498 or (2) sending us an email at info@a-m.money regarding your withdrawal.
Consequences of changing your mind
If you elect to receive required notices and disclosures only in paper format, it will significantly slow the speed at which we can complete certain steps in transactions with you and delivering services to you. In addition, if you withdraw your consent to receive communications electronically, you will lose any applicable benefits that were promised in return for your agreement to receive communications electronically.
Contacting the Loan Processor
You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically. Please contact us by calling (312) 262 2498 or emailing us at info@a-m.money.
Required hardware and software
To receive, access and retain Communications, you must have the following hardware and software:
Operating Systems:
Windows 8 or Windows 10 or iOS 8 or iOS 9
Browsers:
Final release versions of Internet Explorer 10.0 or above; Mozilla Firefox 19.0 or above; Opera 29.0 or above; Safari 5.0.2 or above and Google Chrome 32.0 or above
Email:
Access to a valid email account
Screen Resolution:
800 x 600 minimum
Enabled Security Settings:
∙ Allow per session cookies
∙ Users accessing the internet behind a Proxy Server must enable HTTP 1.1 settings via proxy connection
Software:
Adobe Acrobat Reader (or alternative PDF viewing program)
** These minimum requirements are subject to change. If these requirements change, we will provide you with an email message at the email address we have on file for you at that time providing you with the revised hardware and software requirements, at which time you will have the right to withdraw your consent.
Advising the Loan Processor of your new email address
To let us know of a change in your email address, you must send an email message to us at info@a-m.money and in the body of such request you must state: your previous email address, your new email address. We do not require any other information from you to change your email address.
All notices and disclosures will be available to you electronically
Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you as well as other, non-required communications. To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to provide all of the required notices and disclosures to you by the same method. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described above. Please also see the paragraph above that describes the consequences of your electing not to receive delivery of the notices and disclosures electronically from us.
Acknowledging your access and consent to receive materials electronically
To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please verify that you were able to read this electronic disclosure and that you also were able to print on paper or electronically save this page for your future reference and access or that you were able to email this disclosure and consent to an address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving notices and disclosures exclusively in electronic format on the terms and conditions described above, please let us know by clicking the 'Yes' button below.
By submitting your loan application, you confirm that:
You can access and read this Electronic Notice; and
You can print on paper the disclosure or save or send the disclosure to a place where you can print it, for future reference and access; and
Until or unless you notify the Loan Processor as described above, you consent to receive, exclusively through electronic means, all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you by the Loan Processor during the course of your relationship with us.
You acknowledge and consent that delivery of documents and information to you by the Loan Processor electronically means that such documents and information may be presented to you primarily via online presentation within your online account.
You agree to use electronic records and signatures to conduct business with us.
