Electronic Consent Disclosure

1) Introduction and Purpose

This Electronic Consent Disclosure ("Disclosure") is provided to you by Fedd Loans LLC ("Company," "we," "us," or "our"), which operates the APPNAME mobile application, website at https://feddloans.com/, and related services (collectively, the "App" or "Services").

Under the federal Electronic Signatures in Global and National Commerce Act (the "ESIGN Act"), the Uniform Electronic Transactions Act ("UETA") as adopted in various states, and other applicable federal and state laws, we are required to obtain your consent before we may provide you with certain disclosures, notices, and documents in electronic form rather than in paper form.

This Disclosure explains: (a) your consent to receive disclosures and communications electronically; (b) your consent to use electronic signatures; (c) the hardware and software requirements necessary to access and retain electronic records; (d) your right to withdraw consent and the consequences of withdrawal; (e) how to obtain paper copies of electronic records; and (f) how to update your contact information.

By clicking "I Agree," "I Consent," or similar language, or by proceeding to use the App and submit an application or request, you acknowledge that you have read, understood, and agree to the terms of this Electronic Consent Disclosure. Your consent will apply to all disclosures, communications, and documents that we or our lending partners may provide to you in connection with your use of the App, including but not limited to loan applications, loan agreements, Truth-in-Lending disclosures, privacy notices, terms of use, and other legally required or contractual documents.

2) Scope of Electronic Consent

By providing your consent, you agree to receive the following types of disclosures, communications, and documents in electronic form:

Disclosures and Notices: All disclosures required by federal or state law in connection with loan applications, loan offers, credit decisions, and financial products, including but not limited to Truth-in-Lending Act (TILA) disclosures, Equal Credit Opportunity Act (ECOA) notices, Gramm-Leach-Bliley Act (GLBA) privacy notices, state-specific disclosures, and any other legally required notices.

Agreements and Contracts: Loan agreements, promissory notes, payment schedules, amendments, modifications, and any other contractual documents related to financial products you may obtain through the App or through lenders with whom you are connected.

Communications: Emails, text messages (SMS), in-app messages, push notifications, and other electronic communications from Fedd Loans LLC and from lenders or financial partners with whom you are matched, including confirmations, account updates, payment reminders, marketing communications (where permitted and where you have not opted out), and customer service correspondence.

Records and Statements: Account statements, transaction histories, payment confirmations, tax documents (such as Form 1099-INT or 1099-MISC, if applicable), and other records that we or our partners may provide to you.

Updates and Amendments: Updates to our Privacy Policy, Terms of Use, this Electronic Consent Disclosure, or other policies and terms; amendments to loan terms; and other material changes that we or our partners are required or choose to communicate to you.

Your consent applies to all such documents and communications, whether provided by Fedd Loans LLC or by third-party lenders and financial service providers with whom you are connected through the App. Once you consent, we and our partners may provide these documents and communications to you exclusively in electronic form, unless you withdraw your consent as described below or unless applicable law requires us to provide a paper copy.

3) Consent to Electronic Signatures

You consent to the use of electronic signatures in connection with all transactions, agreements, and documents that you may enter into or execute through the App or in connection with the App.

An "electronic signature" includes any electronic sound, symbol, or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record. Examples of electronic signatures include: typing your name in a designated signature field; clicking a button labeled "I Agree," "Sign," "Submit," or similar; using a finger or stylus to sign on a touchscreen; or any other method of electronic assent that we or our partners may use.

You understand and agree that: (a) your electronic signature has the same legal effect as a handwritten signature; (b) you are bound by any agreement or document that you sign electronically, just as if you had signed it in writing; (c) you will not contest the validity or enforceability of an electronic signature solely because it is in electronic form; and (d) you have the authority to provide electronic signatures on behalf of yourself and, if applicable, any entity you represent.

You further agree that we and our partners may rely on your electronic signature as evidence of your consent, agreement, and intent to be bound. We may retain electronic records of your signatures and the associated documents for as long as required by applicable law or our record-retention policies.

4) Hardware and Software Requirements

To access, view, and retain the electronic disclosures, communications, and documents that we provide, you must have the following hardware and software capabilities:

For Web Access: A device (such as a computer, tablet, or smartphone) with internet connectivity; a current web browser (such as Chrome, Safari, Firefox, or Edge) that supports secure connections (HTTPS) and JavaScript; a display capable of rendering text and graphics; and the ability to download, save, or print documents (e.g., PDF viewer and printer, if you wish to create paper copies).

For Mobile App Access: A compatible smartphone or tablet with a supported operating system (iOS or Android); the APPNAME mobile application or access to the App's web interface; sufficient storage to download and retain documents; and the ability to receive push notifications, emails, or text messages, as applicable.

For Email Communications: A valid email address; an email application or web-based email service that can receive, display, and retain emails and attachments; and the ability to open and view common file formats such as PDF.

For Text Message (SMS) Communications: A valid mobile phone number capable of receiving text messages; a mobile device with SMS capability; and sufficient storage to retain message history, if you wish to keep records.

If you do not have the required hardware or software, or if your system changes and you can no longer meet these requirements, you must notify us immediately. We may provide you with a one-time paper copy of certain documents, or we may assist you in obtaining the necessary technology. However, we are not obligated to provide paper copies on an ongoing basis if you have consented to electronic delivery and have not withdrawn that consent.

We may update these requirements from time to time. If we make material changes that affect your ability to access electronic records, we will notify you and, if required by law, obtain your renewed consent.

5) How to Retain and Access Electronic Records

You are responsible for retaining copies of the electronic disclosures, communications, and documents that you receive. We recommend that you:

(a) Save or download important documents (such as loan agreements and disclosures) to your device or to a secure location that you can access in the future;

(b) Print paper copies of documents that you need for your records, tax purposes, or other legal or personal reasons;

(c) Ensure that your email account and mobile device have sufficient storage and that you do not delete important messages before you have had an opportunity to review and retain them;

(d) Keep your email address and mobile phone number current in your account profile so that we can deliver documents and communications to you successfully.

We and our partners will typically retain electronic records in accordance with our respective record-retention policies and applicable law. You may request access to certain records by contacting us at [email protected]. However, we are not obligated to provide access to records beyond what is required by law or by our policies.

6) Right to Withdraw Consent

You have the right to withdraw your consent to receive disclosures and communications electronically at any time. To withdraw your consent, you must contact us in writing at [email protected] and clearly state that you wish to withdraw your consent to electronic delivery.

If you withdraw your consent:

(a) The withdrawal will not affect the legal effectiveness, validity, or enforceability of any electronic disclosures, communications, or documents that were provided to you before the date on which your withdrawal becomes effective.

(b) After your withdrawal becomes effective, we and our partners may provide you with paper copies of disclosures and communications, where required by law or where we choose to do so. However, we reserve the right to charge a reasonable fee for providing paper copies, to the extent permitted by law.

(c) Withdrawing consent may limit or prevent your ability to use certain features of the App. For example, if you withdraw consent before completing a loan application, you may not be able to complete the application process electronically. Some lenders may require electronic consent as a condition of applying for or obtaining a loan through the App.

(d) Even if you withdraw consent for most electronic communications, we may still send you certain communications electronically where we are legally required to do so or where we determine that electronic delivery is necessary (for example, urgent security alerts or legally required notices).

Your withdrawal will become effective within a reasonable period after we receive and process your request, typically within five (5) to ten (10) business days. We will confirm your withdrawal in writing (which may be by email if we have not yet processed a full transition to paper).

7) Requesting Paper Copies

You may request a paper copy of any electronic disclosure, communication, or document that we have provided to you. To request a paper copy, contact us at [email protected] and specify which document(s) you need.

We will provide the requested paper copy within a reasonable time, typically within ten (10) business days. We may charge a reasonable fee for providing paper copies, to the extent permitted by applicable law. We will inform you of any fee before processing your request.

For documents that are provided by third-party lenders (such as loan agreements or lender-specific disclosures), you may need to contact the lender directly to obtain paper copies. We can provide you with the lender's contact information upon request.

Requesting a paper copy of a specific document does not constitute a withdrawal of your consent to receive other documents electronically. If you wish to withdraw consent entirely, you must follow the process described in Section 6 above.

8) Updating Your Contact Information

It is your responsibility to keep your email address, mobile phone number, and mailing address current in your account profile. If your contact information changes, you must update it promptly through the App or by contacting us at [email protected].

If we or our partners are unable to deliver an electronic disclosure or communication to you because of an invalid, outdated, or incorrect email address or phone number, you will be deemed to have received the disclosure or communication when it was first attempted to be delivered. You may not avoid your obligations under any agreement or under applicable law by failing to maintain accurate contact information.

We are not responsible for any delay, failure, or inability to deliver electronic communications that results from your failure to provide or update accurate contact information.

9) Confirmation of Consent

By proceeding to use the App, including by submitting a loan application or request, creating an account, or clicking "I Agree," "I Consent," or similar language, you confirm that:

(a) You have read and understood this Electronic Consent Disclosure;

(b) You consent to receive all disclosures, communications, and documents described in this Disclosure in electronic form;

(c) You consent to the use of electronic signatures as described in this Disclosure;

(d) You have the hardware and software required to access, view, and retain electronic records, or you have requested and received assistance to obtain such capability;

(e) You can access and retain electronic records in the format in which they will be provided;

(f) You understand that you may withdraw your consent at any time in accordance with Section 6;

(g) You understand that you may request paper copies of electronic documents in accordance with Section 7;

(h) You are at least 18 years of age (or the age of majority in your state of residence) and have the legal capacity to enter into this consent;

(i) You are providing this consent voluntarily and without coercion.

10) Third-Party Lenders and Partners

Fedd Loans LLC operates a loan matching service. We connect you with third-party lenders and financial service providers. When you are matched with a lender, that lender may also require you to consent to receive disclosures and communications electronically and to use electronic signatures.

Your consent under this Disclosure applies to Fedd Loans LLC and to the extent we share your consent with our partners. However, each lender or financial partner may have its own electronic consent requirements and disclosures. You may be asked to provide separate consent when you interact directly with a lender or when you accept a loan offer.

We encourage you to read each lender's electronic consent disclosure and privacy policy carefully. Fedd Loans LLC is not responsible for the electronic consent practices, disclosures, or record-retention policies of third-party lenders.

11) Contact Information

If you have questions about this Electronic Consent Disclosure, or if you need to withdraw consent, request paper copies, or update your contact information, you may contact us at:

Fedd Loans LLC (operating APPNAME)
Website: https://feddloans.com/
Email: [email protected]
Phone: (970) 423-2684
Address: 232 Lyons St, Fort Collins, CO 80521-1730

We will respond to reasonable inquiries within a practical timeframe consistent with our operational and legal obligations.