Electronic Communications Agreement
Consent for Electronic Signatures, Records and Disclosures (the “E-Consent”)
PLEASE READ CAREFULLY AND PRINT A COPY AND/OR RETAIN THE E-CONSENT ELECTRONICALLY FOR FUTURE REFERENCE.
Scope of Consent
This E-Consent governs your interactions with CBW Bank and any entity that provides services on its behalf, including CreditFresh and its affiliates (collectively referred to as “we”, “us”, and “our”). The E-Consent will be accessible, either currently or in the future, through www.creditfresh.com or other electronic means.
- To transact business electronically;
- 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 email@example.com or by calling us at 1-800-766-2007.
Option for Paper or Non-Electronic Records and 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 firstname.lastname@example.org or 1-800-766-2007. If you withdraw your E-Consent, this will result in a termination of your CreditFresh Line of Credit offered by CBW Bank, and you will no longer be able to make additional draws. You will still be required to pay any outstanding balance that remains on your Line of Credit. The legal effectiveness, validity, and enforceability of prior Disclosures shall not be affected. We shall retain all 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:
- 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.
- To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader® or Foxit®.
- 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 a customer or while completing a request 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.
You will be asked to acknowledge your acceptance of the E-Consent before you are able to continue with your request. By providing your consent, you confirm that:
- You have agreed to the terms and conditions of the E-Consent;
- You have the ability to conduct business and receive Disclosures electronically and that your system meets the requirements set forth above;
- You are able to receive emails at the email address you have provided to us;
- You consent to having information regarding any transactions with us transmitted via email to the email address you have provided to us;
- 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.