IDSB Digital - 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 our lending partners. In order to offer you a loan, we 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 us directly. We will provide paper copies to you at no charge. We or lending partners will retain all Disclosures as applicable law requires.

Scope of Consent.
This E-Consent applies to all interactions online concerning you and us or our lending partner and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, we or lending partner may process your information and interact during all online interactions with you electronically. We may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or lending partners’ websites, and may be provided by e-mail.

Consenting to Do Business Electronically.
Before you decide to do business electronically with us or our lending partners, 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, Chrome® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X®. 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 us or our lending partners.

Credit Rating Implications.
We may conduct credit checks with credit reporting bureaus or obtain consumer reports through alternative providers to determine your eligibility for a loan. By submitting your information through this website, you are agreeing to allow us in our lender network to verify your information and check your credit.

Withdrawing Consent.
Your E-Consent for our service and for our lending partners’ consideration of your request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third party lenders or lending partners, you are free to withdraw your E-Consent with them 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 lending partner. Contact us or lending partner 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 us or our lending partners informed of any change in your electronic address or mailing address. You may update such information by logging into the website or by sending us a written update by mail.

CONSENT.
BY SUBMITTING YOUR DETAILS, 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 US OR OUR LENDING PARTNER ELECTRONICALLY. YOU ACKNOWLEDGE THAT WE WILL USE YOUR INFORMATION FOR PURPOSE OF PROCESSING YOUR APPLICATION AND/OR CONDUCT CREDIT/TRADE CHECK, CCRIS AND DCHEQS CHECKS ON YOU AND WHERE APPLICABLE WITH CTOS AT ANY TIME FOR AS LONG AS YOUR E-CONSENT HAVE NOT BEEN WITHDRAWN. 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 US OR OUR LENDING PARTNERS OVER THE INTERNET.