DISCLOSURES

These Disclosures are provided by Fast Money USA (“Fast Money USA”, “we”, or “us) and describes the collection, use, sharing, storage, and protection for everything related to E-Sign and Consent to Electronica Receipt of Loan Disclosures and Automated Funding/Payments. Please read this information carefully.

E-SIGN DISCLOSURE AND CONSENT TO ELECTRONIC RECEIPT OF LOAN DISCLOSURES

You understand that in order to submit a credit application to and obtain a loan from FAST MONEY USA (“we”, “us”, or “our”) and view and retain a copy of the related notices, disclosures, agreements, authorizations, and other documents during the course of our relationship with you (collectively, “Loan Disclosures”) you must consent to receive Loan Disclosures electronically and agree to engage in all transactions with us electronically. Described below are the terms and conditions for providing Loan Disclosures to you electronically. Please read the information below carefully and thoroughly.

You acknowledge and agree that we may provide you with the Loan Disclosures in electronic format, and that we are not required to send a paper document to you, unless and until you withdraw your consent as described below. All Loan Disclosures that we provide to you in electronic format will be provided either (i) via e-mail or (ii) by text message.

Getting paper copies

We are green-friendly! You may request from us a paper copy of any Loan Disclosure that we have provided or made available to you electronically for a $5 charge, provided that such request is made within a reasonable time after we first provided the Loan Disclosure to you. To request paper copies, you may contact us by e-mail at contact@fastmoneyusa.com.

Withdrawing your consent

Contact us by email to withdraw your consent to receive Loan Disclosures in electronic form. Please be aware that if you elect to receive Loan Disclosures only in paper format we will be unable to process your application and if you elect to receive Loan Disclosures only in paper format after your loan is approved, it may slow the speed at which we can deliver services to you.

To advise FAST MONEY USA of your new e-mail address

You are required to provide us with an accurate and complete e-mail address and mobile phone number and update any changes to the information promptly. To let us know of a change contact us via email. At our discretion, we may treat your failure to provide us with a valid e-mail address and mobile phone number or the malfunction of a previously valid e-mail address and mobile phone number as a withdrawal of your consent to receive electronic Loan Disclosure.

Required hardware and software

In order to access, view and retain the Loan Disclosures we make available to you in electronic form, you must provide at your own expense an Internet connected device. You must have the following hardware and software:

  1. Browsers: Up to date internet browser that we support Windows® 2000, Windows® XP, Windows Vista®, Windows® 7, Windows® 8, Mac OS® X to access your account or if accessing your account through our mobile applications, one of the following mobile operating system: Apple iOS, Android, Windows Phone, Firefox, Blackberry OS.
  2. PDF Reader: Software that enables you to view and print Portable Document Files (PDF) such as Adobe® Acrobat Reader or similar.
  3. E-Mail Account: An e-mail account with an Internet service provider and e-mail software in order to receive electronic communications from us.
  4. Storage Capacity: Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit to retain the Loan Disclosures and/or a printer to print them.

Federal Law

All Loan Disclosures we provide to you in either electronic or paper format will be considered “in writing”. You should print or download for your records a copy of this E-Sign Disclosure and Consent of Electronic Receipt of Loan Disclosures (“E-Sign Consent”) and any other Loan Disclosures. You agree and we both intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) this E-Sign Consent and (ii) our ability to conduct business with you by electronic means.

Termination/Changes

We reserve the right, in our sole discretion, to provide you with any Loan Disclosures in paper format and to discontinue electronic provision of Loan Disclosures at any time. We will provide you with notice of any such termination or change as required by law.

Acknowledging your access and consent to receive materials electronically

By checking the “I agree” box, you: (i) confirm your consent to receive Loan Disclosures in electronic format and to enter into agreements and transactions with us electronically; (ii) affirmatively demonstrate your ability to access and read, and also print or save, this E-Sign Consent and the Loan Disclosures; (iii) confirm that you have provided a valid e-mail address at which we can send electronic Loan Disclosures to you; (iv) have access to software and hardware that satisfies the above requirements; (v) agree to the terms and conditions of this E-Sign Consent; and (vi) affix your electronic signature to this E-Sign Consent.

AUTOMATED FUNDING AND PAYMENTS IN ACCORDANCE WITH LOAN PROMISSORY NOTE AND LOAN AGREEMENT

You understand that in order to process an approved credit application to obtain a loan from FAST MONEY USA (“we”, “us”, or “our”) and to send funds (collectively, “Loan Proceeds”) and receive payments (collectively, “Loan Payments”) during the course of our relationship with you, you must consent to receive Loan Proceeds and send Loan Payments electronically and agree to engage in all transactions with us electronically. Described below are the terms and conditions for providing Loan Proceeds and Loan Payments to you electronically. Please read the information below carefully and thoroughly.

You acknowledge and agree that we may provide you with the Loan Proceeds in electronic format (ACH), and that we are not required to send Loan Proceeds in any other format. All Loan Proceeds that we provide to you in electronic format will be provided directly from our bank to your account via ACH.

You acknowledge and agree that we will receive the Loan Payments in electronic format (ACH) or via Debit Card. All Loan Payments that you provide to us in electronic format will be provided directly from your bank to our account via ACH or Debit Card.

Authorization Recurring ACH WEB Transactions

You acknowledge and agree Fast Money USA to debit the bank account indicated in your application (web form) for the noted amount on the schedule indicated in your Loan Note and Agreement. You understand that this authorization will remain in effect until the schedule end date, or until you cancel it in writing, which ever comes first, and you agree to notify the business in writing of any changes in you account information or termination of this authorization at least 15 days prior to the next billing date. If the above noted payment date falls on a weekend or holiday, you understand that the payment may be executed on the next business day. You understand that because this is an electronic transaction, these funds may be withdrawn from you account each period as soon as the noted transaction date. In the case of an ACH Transaction being rejected for Non Sufficient Funds (NSF) I understand that the business may at its discretion attempt to process the charge again within 30 days, and agree to an additional charges for each attempt returned NSF which will be initiated as a separate transaction from the authorized recurring payment. You acknowledge that the origination of ACH transactions to your account must comply with the provisions of U.S. law. You will not dispute Fast Money USA’s recurring billing with your bank so long as the transaction corresponds to the terms indicated in the agreement. You may contact us by e-mail at contact@fastmoneyusa.com with any questions regarding this matter.

If I wish to rescind this authorization and cancel this payment, or the amount withdrawn from my account is different than the amount authorized herein, I may email contact@fastmoneyusa.com or call 773-809-4423 during the following business hours: Monday-Saturday 8am-5pm. Furthermore, I assert that I am the owner or an authorized signer of the bank account provided.

By checking the “I agree” box, you: (i) confirm your consent to receive Loan Proceeds in electronic format and to enter into agreements and transactions with us electronically; (ii) confirm your consent to send Loan Payments in electronic format and to enter into agreements and transactions with us electronically; (iii) affirmatively demonstrate your ability to access and read, and also print or save, this Disclosure Consent Page; (iv) confirm that you have provided a valid e-mail address at which we can send electronic details and receipts of Loan Proceeds and Loan Payments to you; (v) have access to software and hardware that satisfies the above requirements; (vi) agree to the terms and conditions of this ACH Consent; and (vii) affix your electronic signature to this ACH Consent.