E-Consent Agreement

1. Scope of Consent

By providing your consent to receive electronic communications, you agree that we may provide to you electronically, through our website, email, text message, or by making available through your online account, any and all:

• Loan Documents: Loan agreements, promissory notes, payment schedules, and loan-related disclosures
• Legal Notices: Terms of Service, Privacy Policy, and other legal agreements
• Disclosures: Truth in Lending Act (TILA) disclosures, state-specific disclosures, and other required notices
• Account Statements: Payment confirmations, account summaries, and transaction histories
• Communications: Account updates, payment reminders, collection notices, and customer service messages
• Marketing Materials: Promotional offers and service updates (with your separate consent)

2. Types of Electronic Communications

2.1 Email Communications

We will send important documents and notices to the email address you provide. You agree to:

• Maintain an active, valid email address
• Check your email regularly
• Add our email addresses to your safe sender list
• Ensure your mailbox has sufficient storage space

2.2 Website and Online Account Access

Documents may be made available through:

• Your secure online account portal
• Posted on our website with email notification
• Downloadable PDF files

2.3 Text Messages (SMS)

With your separate consent, we may send:

• Payment reminders
• Account alerts
• Verification codes
• Important notices

2.4 Mobile App Notifications

If you use our mobile app, you may receive push notifications about your account.

3. How We Deliver Electronic Documents

3.1 Delivery Methods

Documents are considered delivered when:

• Email: Sent to your registered email address
• Online Account: Posted to your account and you receive notification
• Website: Posted on our website and you receive notification
• SMS: Text message sent to your registered mobile number

3.2 Your Responsibility

You are responsible for:

• Checking your email, online account, and text messages regularly
• Promptly reviewing all communications from us
• Downloading and saving important documents
• Maintaining adequate storage for documents

3.3 Timing of Delivery

Electronic documents are considered received when they are made available to you, even if you do not actually access or read them.

4. Electronic Signatures

4.1 Consent to Electronic Signatures

You agree that your electronic signature has the same legal effect as a handwritten signature. Electronic signatures may include:

• Clicking "I Agree" or "Accept" buttons
• Checking consent boxes
• Typing your name in a signature field
• Using a digital signature pad
• Any other method we designate

4.2 Legal Effect

Under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and state electronic signature laws, your electronic signature on any document has the same legal force and effect as a handwritten signature.

4.3 Record Retention

We will retain electronic records of your signatures and consents in accordance with applicable law.

5. Hardware and Software Requirements

5.2 Responsibility for Equipment

You are responsible for:

• Obtaining and maintaining all necessary equipment and software
• Paying for internet access and any related fees
• Keeping your systems updated and secure

5.3 Changes to Requirements

If our hardware or software requirements change in a way that creates a material risk that you will not be able to access or retain electronic communications, we will notify you.

6. Obtaining Paper Copies

6.1 Request Process

You have the right to receive paper copies of any electronic document at no charge. To request a paper copy:

• Email: Send a request to customerservice@netpayusadvance.com
• Phone: Call us at (888) 942-3320
• Mail: Write to us at 3615 N Ridge Rd, Wichita, Kansas 67201

6.2 Timing

We will provide paper copies within a reasonable time after receiving your request, typically within 10 business days.

6.3 Retention Period

You may request paper copies of documents for as long as we are required by law to retain them.

7. Updating Your Contact Information

7.1 Your Obligation to Update

You must promptly notify us of any changes to:

• Your email address
• Your mailing address
• Your phone number
• Any other contact information

7.2 How to Update Information

You can update your information by:

• Logging into your online account and updating your profile
• Calling customer service at (888) 942-3320
• Emailing us at customerservice@netpayusadvance.com

7.3 Consequences of Outdated Information

If you fail to provide accurate contact information or notify us of changes, you may not receive important communications about your account, and you remain responsible for all obligations under your loan agreement.

8. Withdrawal of Consent

8.1 Right to Withdraw

You have the right to withdraw your consent to receive electronic communications at any time. To withdraw consent, you must:

• Contact us in writing via mail, email, or through your online account
• Clearly state that you are withdrawing consent to electronic communications
• Provide your name, account number, and contact information

8.2 Effect of Withdrawal

After you withdraw consent:

• We will provide future communications in paper form by mail
• The withdrawal does not apply to communications provided before the withdrawal
• Your withdrawal does not affect the legal effectiveness of any electronic signatures or documents provided before withdrawal

8.3 Timing

Withdrawal of consent will be effective within a reasonable time after we receive your notice, typically within 10 business days.

9. Federal E-SIGN Act Disclosure

9.1 E-SIGN Act Requirements

The federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) requires us to inform you of your rights when we provide documents electronically.

9.2 Your Rights Under E-SIGN

Under the E-SIGN Act, you have the right to:

• Receive documents in paper form
• Withdraw your consent to electronic delivery at any time
• Receive notice of any fees associated with withdrawal (we do not charge fees)
• Receive notice of hardware and software requirements
• Receive updated hardware and software requirement notices

9.3 Demonstrating Consent

By clicking "I Agree" or checking the consent box, you demonstrate that:

• You can access information in the electronic format we use
• You consent to receive electronic communications
• You consent to use electronic signatures

10. Contact Information

If you have questions about this E-Consent Agreement or need assistance accessing electronic documents, please contact us: