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

Introduction

You are using EzApply to submit a request that may be transmitted to one or more participating lenders, providers, or lead aggregators. EzApply is not a lender. To complete this online process, we need your consent to use electronic signatures and to provide records, notices, agreements, authorizations, and disclosures electronically (“Electronic Records”).

By checking the box that references this E-Consent and continuing, you acknowledge that you received and reviewed this E-Consent, can access it in the electronic format presented, and consent to conduct this transaction electronically. Your electronic action may serve as your electronic signature where permitted by law.

Scope of your consent

Your consent applies to the current EzApply request and to Electronic Records concerning that request that Oppur2nity provides or makes available. It also applies, to the extent a participating provider relies on this consent, to the provider’s online interactions concerning your request or a resulting transaction.

Electronic Records may include these Terms & Conditions, the Privacy Policy, Advertising Disclosure, Credit Authorization, consent records, request confirmations and updates, notices, required disclosures, provider communications, and documents associated with an offer or agreement. Records may be displayed on a website or mobile device, delivered by email, or made available through a link or secure online portal.

A participating provider may present a separate electronic-consent agreement. That provider’s agreement governs its delivery of records if it is more specific or if applicable law requires separate consent. This E-Consent does not require Oppur2nity or a provider to deliver every record electronically when paper delivery or another method is required by law.

Option for paper or non-electronic records

Before submitting your request, you may decline electronic delivery by not checking the consent box and not continuing with the online process. Because EzApply is an online service, declining electronic delivery may prevent us from completing the request online.

You may print or download Electronic Records when they are displayed. You may also request a paper copy of an Electronic Record provided by Oppur2nity by mailing a written request that identifies the record to Oppur2nity LLC, Attn: Privacy Department, 30 N Gould St. Ste N, Sheridan, WY 82801. Oppur2nity will not charge a fee for a paper copy of its own Electronic Records.

To request a paper copy of a lender’s or provider’s record, contact that lender or provider directly using the information in its disclosure or communication. A provider will disclose any legally permitted copy fee before charging it.

Hardware and software requirements

To access, review, sign, download, and retain Electronic Records, you need:

• A computer, smartphone, tablet, or similar internet-connected device capable of displaying web pages.
• A current web browser that supports modern encryption, cookies, and JavaScript.
• A valid email account and software or an application capable of receiving and displaying email.
• A PDF reader if a record is supplied as a PDF file.
• Enough electronic storage to save records, or access to a printer if you want paper copies.
• A current operating system and internet connection that allow you to access the formats described above.

If you can read this E-Consent and the linked disclosures on your current device, that helps demonstrate that your device can access the electronic format we use.

How to retain Electronic Records

Use your browser’s print or save function, download available files, take an accessible electronic copy, or print the record. Store copies in a secure location that you can access later. Do not save sensitive records on a shared or public device unless you can protect them from unauthorized access.

Withdrawing your consent

You may withdraw consent to receive future Electronic Records from Oppur2nity by mailing a signed written request to Oppur2nity LLC, Attn: Privacy Department, 30 N Gould St. Ste N, Sheridan, WY 82801. Include your name and the email address or telephone number used for the request, but do not include a Social Security number or full bank-account information.

Withdrawal becomes effective within a reasonable period after we receive and process it. Withdrawal does not affect the legal validity or enforceability of Electronic Records, signatures, authorizations, or transactions provided or completed before the withdrawal became effective. Because EzApply is designed as an online service, withdrawing before the request is completed may prevent completion through EzApply.

If you are connected with a lender or provider, contact that company directly to withdraw consent for its future Electronic Records. A provider may explain that withdrawal will end online access, require paper communications, delay a transaction, or prevent it from completing an online-only process. Withdrawal itself will not be subject to a fee, although a provider may charge a legally permitted paper-copy fee disclosed separately.

Updating your contact information

You are responsible for keeping your email address and other electronic contact information current. To update information held by Oppur2nity, mail a written request to the address above identifying the information to be changed. Do not include highly sensitive financial or identity information in ordinary correspondence.

After connection with a lender or provider, update your email or mailing address directly with that company using the method stated in its agreement, website, or communication. Updating information with Oppur2nity does not automatically update information held by an independent provider.

Changes to technical requirements

If the hardware or software requirements materially change in a way that creates a substantial risk that you will not be able to access future Electronic Records, the party providing those records will give notice of the revised requirements and any right to withdraw consent, and will obtain renewed consent when required by law.

Your ability to access disclosures

By checking the box that references this E-Consent and continuing, you confirm that you can access and read this E-Consent and the linked disclosures in the formats described above, and that you can save or print them for later reference.

If you cannot access this page, a linked disclosure, an email, or a PDF using your current device, do not continue. Update your technology, use a compatible device, or request assistance or a paper copy before consenting.

Consent and acknowledgment

BY CHECKING THE CONSENT BOX AND CONTINUING, YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO THIS E-CONSENT. YOU AFFIRMATIVELY CONSENT TO USE ELECTRONIC SIGNATURES, RECEIVE AND RETAIN ELECTRONIC RECORDS, AND CONDUCT THE EZAPPLY REQUEST ELECTRONICALLY.

YOU ALSO ACKNOWLEDGE THAT A PARTICIPATING LENDER OR PROVIDER MAY RELY ON THIS CONSENT FOR ELECTRONIC INTERACTIONS CONCERNING YOUR REQUEST, SUBJECT TO ITS OWN DISCLOSURES AND APPLICABLE LAW. IF YOU DO NOT CONSENT, DO NOT CHECK THE BOX OR CONTINUE WITH THE ONLINE REQUEST.

Contact information

Oppur2nity LLC, Attn: Privacy Department, 30 N Gould St. Ste N, Sheridan, WY 82801.