Consent for Electronic Signatures, Records, and Disclosures (“E-Consent”)
Please be sure to read this information very carefully. We also recommend that you print a copy and/or retain this information electronically for your future reference.
You acknowledge and agree that by checking the “I agree” box and then clicking the “Submit” button, you are agreeing that you have read and reviewed this Electronic Consent Agreement and that you consent to transact business using electronic communications; and to receive notices and disclosures electronically, and to utilize electronic signatures; instead of using paper documents and ink signatures.
Under the various rules and regulations that govern consumer lending, KiFi is required to provide you with various disclosures, records, and documents (“Loan Documents”) including this Electronic Consent Agreement. The purpose of this Electronic Consent Agreement is to obtain your consent to receive these disclosures, records, and Loan Documents from KiFi in electronic form rather than paper. With this consent, you will also be able to sign, execute, and authorize these Loan Documents electronically.
We have provided this agreement to you because you are applying for a loan through KiFi; as such, we provide this Electronic Consent Agreement to notify you of your rights and responsibilities when receiving these disclosures, notices, and any electronic information from KiFi. Please be sure to read the information below carefully before you consent to conduct business with us electronically. For purposes of this Electronic Consent Agreement “Electronic Disclosures” means the Loan Documents related to this transaction that are or were provided electronically to you. Additionally “you” and “your” mean the borrower(s) or applicants for a loan to which such Loan Documents apply, and “we, our, and us” means Ki Financial Services, LLC (“KiFi”), its Servicers, Agents, Members, and Partner Financial Institutions.
Hardware and Software Requirements.
Before you decide to do business electronically with us, you should review the required hardware and software capabilities described below to verify that you have what is needed. In order to receive electronic disclosures from KiFi, you must have a computer, tablet, or handheld device with Internet access and an active email address. Your device will need an Internet browser capable of running 128-bit encryption or higher, a PDF viewer, and SSL encryption. It is further recommended that you also have access to a printer or the ability to download information in order to keep copies of your Electronic Disclosures for your own records. If we should change our software or hardware requirements and you are unable to continue receiving electronic disclosures you may request that we mail you paper copies of your loan documents.
KiFi does not and will not assume liability for non-receipt of the notification of the availability of electronic disclosures in the event that your email address is invalid, your email or Internet service provider filters the notification as “spam” or “junk mail”, or if there is a malfunction in your computer browser, Internet service, or any software.
Change to Your Contact Information.
You must promptly notify us if there is a change in your email address or in any other information needed to contact you electronically. If your email address, telephone number(s), or residential address changes, you must notify us of the change by logging into your account or contacting us in writing at 3049 Executive Parkway, Suite 370, Lehi, UT 84043.
eSign.
You acknowledge and agree that by checking the “I agree” box and then clicking the “Submit” button or any other such link assenting to our terms, you are providing your electronic signature on this E-Consent agreement. Specifically, you agree that during the course of your relationship with us that you will use electronic signatures in lieu of using “wet” or ink signatures on a physical document. Further, you agree that your electronic signature shall have the same force and effect and shall bind you to this document in the same manner and to the same extent as a physical signature would, in accordance with the Electronic Signature in Global and National Commerce Act (ESIGN).
By checking the “I have read and I agree” box and then clicking “Submit” or any other such link assenting to our terms, you are confirming that you have agreed to the terms and conditions of the E-Consent and that you have downloaded or printed a copy of this E-Consent for your records. By accepting the terms of this agreement you are agreeing that any disclosure, notice, record, or other types of information that is provided to you in connection with your loan through us, including but not limited to, the Loan Agreement, this E-Consent, the Truth in Lending disclosures set forth in the Agreement, the Privacy Notice, statements, notices of adverse action, and transaction information, may be sent to you electronically via email either from us or from any of our servicers or vendors or through this website. After you have provided your consent we will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so. You may obtain a paper copy of any Communications by logging into your account and printing a paper copy.
