Consent for Electronic Signatures, Records, and Disclosures(“E-Sign Consent”).
Who This Applies To. In this Consent for Electronic Signatures, Records, and Disclosures (“E-Sign Consent”), the words “you” and “your” mean any person giving consent to the use of electronic records and signatures as described below. The words “we,” “us” and “our” mean Republic Finance, LLC and our bank partner, Column N.A., and any of our respective transferees, successors, assigns, agents, and service providers.
Scope of this Consent. In connection with our financial products and services, we may provide certain documents to you in electronic form, including applications, records, contracts, disclosures, notices, statements, agreements, and other communications related to your relationship with us ("Documents"). This E-Sign Consent explains your rights regarding receiving these Documents electronically. It applies to all electronic records we provide to you and to your electronic interactions with us through our website, mobile application, or other electronic channels.
Electronic Signatures. You agree that your electronic signature may be created when you click, tap, or otherwise take action using a computer, smartphone, or other electronic device (each, an “Access Device”). You agree that any electronic signature you provide in this manner is legally binding and has the same effect as a handwritten signature, including for entering into contracts and agreements with us. You agree that no certification authority or other third-party verification is required to validate your electronic signature.
Applicability of E-Sign Consent Across Access Devices. Your acceptance of this E-Sign Consent on any Access Device applies to your receipt and access of electronic Documents on all Access Devices you may use. For example, if you review and accept this E-Sign Consent on a mobile device, the same consent applies when you access electronic Documents on a computer (and vice versa). By viewing and accepting this E-Sign Consent on any Access Device, you are reasonably demonstrating your ability to access and view electronic Documents in the format in which we provide them. If you use a different Access Device in the future, you are responsible for ensuring the device meets the applicable system requirements and that you can continue to access and view electronic documents.
Hardware and Software Requirements. To access and retain the Documents electronically, you will need to use the following computer software and hardware:
- A personal computer, a mobile device or tablet compatible with any iOS and Android software versions, or other device(s) with a minimum screen resolution of 1024 x 768 and capable of accessing the Internet with a minimum speed of 5Mbps.
- Access to an e-mail account.
- An Internet browser that supports at least 2048-bit encryption, such as Microsoft Edge®, Google Chrome®, Apple Safari®, or similar browsers supporting current web standards.
- A PDF file reader such as Adobe Acrobat Reader X®, Foxit®, or similar.
You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Documents for future reference.
If these requirements change while you are our customer, and the change creates a material risk that you may not be able to receive electronic Documents, we will notify youelectronically if possible, or by U.S. mail if electronic notification is not feasible, using your current contact information on file. You may send us your written questions regarding the hardware and software requirements by mail to Republic Finance, Attn: Electronic Records, 8428 Parkwood Blvd, Plano, TX 75024.
Maintaining Current Contact Information. You are responsible for keeping your contact information current. You may update your information by contacting any Republic Finance branch or writing to us at the address provided in this consent. Failure to maintain current contact information may prevent you from receiving important Documents.
Obtaining Paper Copies of Records. You may retain electronic Documents by printing a paper copy. You may also request paper copies by mailing your request to Republic Finance, Attn: Electronic Records, 8428 Parkwood Blvd, Plano, TX 75024, and we will provide them at no charge. We will retain Documents as required by law. Your request for a paper copy of any Document will not, by itself, constitute a withdrawal of your consent to receive Documents electronically. If you withdraw your consent to receive electronic Documents and use electronic signatures, your withdrawal will not apply to any electronic Documents or signatures provided before the date your withdrawal becomes effective.
Providing Consent. You agree that we may send electronic Documents to you using the contact information you have provided. We may also request a response from you or use any other reasonable means to confirm your ability to access electronic Documents.
By checking or selecting an item, button, box, icon or taking similar action with the E-Sign Consent box or display on our website or mobile application, you agree that:
- You have received, read, and agree to the terms of this Consent for Use of Electronic Signatures, Records, and Disclosures;
- You have verified that your Access Device satisfies the hardware and software requirements described in this E-Sign Consent;
- You have provided us with a correct and current email address where we may send electronic Documents to you; and
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You consent to receiving electronic Documents and using electronic signatures for all aspects of your relationship with us, including finance products or services you request, obtain, or maintain with us.
Withdrawing Consent. You may withdraw this E-Sign Consent at any time and at no charge by notifying us in writing at Republic Finance, Attn: Electronic Records, 8428 Parkwood Blvd, Plano, TX 75024, or by calling (800) 317-7662.
Withdrawing this E-Sign Consent will prevent you from receiving Documents from us electronically, and you may no longer be eligible to set up electronic or recurring payments.