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LoanPepper.com 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 connected 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 connecting service and for our third party lenders’ consideration of your connecting request cannot be withdrawn because it is a one-time transaction. If you are connected 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.

Consumer Notice: Although LoanPepper.com does not charge any fees for its services, it's important to note that personal loans are designed for providing temporary financial assistance and should not be considered as a long-term solution, therefore consumers struggling with debt and credit issues are advised to seek professional debt and credit advisory assistance.

 

Legal Disclaimer: The owners and operators of LoanPepper.com are not lenders or decision makers for short-term cash loans, but rather the website provides a loan matching service for personal loans to help borrowers find lenders. The use of this website and its services are subject to LoanPepper.com's Terms of Use and Privacy Policy, and it should not be construed as an offer or solicitation to lend. The operator of this website is not affiliated with any lender or endorse any specific product or service, but simply aims to inform users about potential lenders who may fulfill the needs of the consumer. Please be aware that some lenders may conduct credit checks as part of their lending process, and using our website or service is not mandatory for initiating contact or applying for a loan with any lender or service provider.

Exclusions: Certain short-term, small-dollar loans may not be available to residents of certain states and the eligibility criteria for such loans may vary by state, with residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia currently not eligible to use this website or service, and the list of states where our services are offered may be subject to change without prior notice.

APR Disclosure: In some states, there are laws that restrict the maximum Annual Percentage Rate (APR) that a lender can impose on you. However, if you obtain a loan from a state where such laws do not exist or from a non-state governed bank, the APR may be even higher. The APR represents the interest rate at which your loan will accrue and is determined by factors such as the loan amount, cost, and term, as well as repayment amounts and timing of payments. Prior to finalizing a loan agreement, lenders are obligated by law to disclose the APR and other loan terms to you. The APRs for cash advance loans range from 200% to 1386%, for installment loans range from 6.63% to 485%, and for personal loans range from 4.99% to 450%, but these rates can vary from one lender to another. Note that APR rates may change over time.

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LoanPepper.com provides a loan matching service for consumers, which is free but supported by advertisers, including lenders and lender networks who compensate us if you are offered a loan through our service after they review your information. Although we use a "ping-tree" model to connect you with lenders, the decision is based on multiple factors, including the amount paid by the lender or intermediary third-party lender network. Therefore, it's important to carefully review all loan options available and not assume that the offer received through our service is the best option. Additionally, we may receive compensation from other advertisers in various ways.

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Credit Implications: Credit decisions or credit inquiries are not made by the operator of this website; however, independent lenders that the user may be connected with might check credit worthiness, credit standing, and/or credit capacity through alternative providers or credit reporting bureaus. By submitting personal information, users agree to the credit check. Short-term loans provided by independent lenders are intended to be repaid within a short amount of time and may incur additional fees or collection activities in case of late payment or nonpayment; therefore, it is advised to borrow only what can be repaid on the next pay period and to seek professional advice regarding financial needs and alternatives to short-term loans. Each lender has its own terms, conditions, and renewal policy, and the policies should be reviewed by the user.

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