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Electronic Communications Agreement

Consent for Electronic Signatures, Records and Disclosures (“E-Consent”)

PLEASE READ CAREFULLY AND PRINT A COPY AND/OR RETAIN THE E-CONSENT ELECTRONICALLY FOR FUTURE REFERENCE.

Scope of Consent

The E-Consent governs your interactions with MoneyKey and its affiliates (collectively referred to as “we”, “us”, and “our”). The E-Consent will be accessible, either currently or in the future, through qa1-www.moneykey.com or other electronic means.

You agree:

  1. To transact business electronically;
  2. That any disclosure, notice, record or other information that is provided to you in connection with your transaction with us, including, but not limited to, loan/line of credit agreement, the Truth in Lending disclosures set forth in the agreement, Privacy Policy, fee and transaction information, notices of adverse action and other state and/or federally mandated disclosures, may be sent to you electronically (“Disclosures”); and
  3. That you are the person who electronically signs the documents and that your electronic signature shall have the same force and effect, and shall bind you to each document in the same manner and to the same extent as a written signature would do so, in accordance with the Electronic Signatures in Global and National Commerce Act, 15 USC §7001 et al (“E-SIGN”) or similar state laws to the extent applicable.

Disclosures may be provided: online; through any mobile device, including smart-phones and tablets; through your online account; or via your designated email address. You agree to provide us with your current email address and if applicable, your mobile phone number. If your email address and/or mobile phone number changes, you shall notify us as soon as reasonably possible by contacting us at customercare@qa1-www.moneykey.com or by calling us at 1-866-255-1668.

Option for Paper or Non-Electronic Records & Withdrawing Consent

You may obtain a paper copy of any Disclosures by logging into your online account and printing a copy. You may also request an electronic copy of any Disclosures by using the contact methods detailed above. We are not obligated to provide Disclosures to you in paper form unless required by applicable law.

You may withdraw your consent to ongoing electronic communications by contacting us at customercare@moneykey.com or 1-866-255-1668. If you withdraw your E-Consent, you will be opting out of receiving electronic communications containing documents and notices that are required by law to be provided to you in writing. You may continue to receive other electronic communications from us. The legal effectiveness, validity, and enforceability of prior Disclosures shall not be affected. We shall retain Disclosures as required.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware:

  1. A PC or MAC compatible computer or other device capable of accessing the Internet, access to an email account, and a current version of Internet Browser software program that supports at least 128-bit encryption, such as Google® Chrome or Safari®. A current version is one that is actively supported by its developer/vendor and includes all security updates.
  2. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader® or Foxit®.
  3. 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.

If these requirements change while you are an active applicant or customer and the change creates a material risk that you may not be able to receive Disclosures electronically, we will notify you of these changes by contacting you using the last known electronic address you have provided.

Terms of E-Consent Subject to Change

We may amend the terms of this E-Consent by providing you with advance notice in accordance with applicable law.

Consent

You will be asked to acknowledge your acceptance of the E-Consent before you are able to continue with your application. By providing your consent, you confirm that:

  1. You have agreed to the terms and conditions of the E-Consent;
  2. You have the ability to conduct business and receive Disclosures electronically and your system meets the requirements set forth above;
  3. You are able to receive emails sent to the email address you have provided to us;
  4. You consent to having information regarding any transactions with us, transmitted via email to the email address you have provided to us;
  5. Your electronic signature is valid evidence of your intent to be bound by the E-Consent. You also agree that Disclosures are electronic records and that they may be transferred, authenticated, stored and transmitted by electronic means. You agree that you have downloaded and saved or have printed the documents that you have electronically signed.

IF YOU DO NOT PROVIDE YOUR CONSENT, 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 US OVER THE INTERNET.

BY CHECKING THE BOX, YOU HEREBY CONFIRM YOUR AGREEMENT TO THE TERMS OF THIS CONSENT, AGREE TO RECEIVE DISCLOSURES AND TRANSACT BUSINESS ELECTRONICALLY, AND HAVE DEMONSTRATED YOUR ABILITY TO RECEIVE DISCLOSURES AND TRANSACT BUSINESS ELECTRONICALLY.

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Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

Applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. CC Flow will be responsible for underwriting, approving and funding the CC Flow Line of Credit. The CC Flow Line of Credit is available through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page.

MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Business Oversight pursuant to California Deferred Deposit Transaction Law License No.1004516.

Reviews and any ratings referenced are based on Trustpilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.

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