E-CONSENT

(CONSENT AGREEMENT FOR USE OF ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND ALL COMMUNICATIONS)

FederalCreditLoans.com provides a free/no obligation online financial network to match prospective borrowers with qualified lenders for loan products including Federal Credit Loans as a direct lender. Please be aware that you are submitting a request to be connected with qualified lenders from the FederalCreditLoans.com network. In order to be considered/granted credit, the third-party lenders 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 the third-party lender(s) directly.
There is no charge for this service. The lender(s) will retain all Disclosures as applicable law requires.

Scope of Consent

This E-Consent applies to all online interactions concerning you and the third-party lender. This includes all engagements on any computer/desktop, mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third-party lender may process your information and engage during online interactions with you electronically. The lender may also send electronic notices related to its interactions and transactions. Disclosures may be provided online at our or third-party lenders’ websites, and may be provided by e-mail.

Consenting to Do Business Electronically

Due to the nature of electronic transaction with third-party lenders, you should consider whether you have the required hardware and software capabilities described below.

System Requirements Access the Required Information

To access and retain the Required Information being provided to you electronically, you must have the following:

  • A personal computer with internet access and one of the following operating system web browser combinations installed:
    • Microsoft Windows 7 or higher with:
      • a. Microsoft Internet Explorer 10 or higher
      • b. Mozilla Firefox 20 or higher
      • c. Google Chrome 20 or higher
    • Microsoft Windows Vista or higher with:
      • a. Microsoft Internet Explorer 10 or higher
      • b. Mozilla Firefox 20 or higher
      • c. Google Chrome 20 or higher
    • Microsoft Windows XP Professional SP3 or higher with:
      • a. Microsoft Internet Explorer 9 or higher
      • b. Mozilla Firefox 20 or higher
      • c. Google Chrome 20 or higher
    • Apple Mac OS X 10.6 (Snow Leopard) or higher with:
      • a. Apple Safari 5 or higher
      • b. Mozilla Firefox 20 or higher
      • c. Google Chrome 20 or higher
  • Have the ability to receive e-mail that contains hyperlinks to Websites in order for us to deliver information to you.
  • Software which permits you to receive, print and access Portable Document Format or "PDF" files, such as Adobe Acrobat Reader®. If you do not have such software, click HERE to download a free version of Adobe Acrobat Reader®.
  • Sufficient electronic storage capacity on your computer's hard drive or other data storage unit or the ability to print PDF files from your computer or tablet device.

Withdrawing Your Consent

This is a one-time transaction and your E-Consent for our service and for our third-party lenders’ consideration of your request cannot be withdrawn. If you are connected with one or more third-party lenders, you are free to withdraw your E-Consent directly with the third-party lender(s) at any time and at no charge. Please be aware, if you withdraw your E-Consent may prevent obtaining credit from the lender. Third-party lender needs to be contacted directly if you wish to withdraw this E-consent. Please note, withdraw of this E-Consent will not affect the legal effectiveness, validity, and enforceability of prior electronic disclosures.

Change to Your Contact Information

To prevent future confusions, you should always inform the third-party lender of any changes in your electronic/mailing address. Please note, this process can be completed by directly contacting your third-party lender.

ABILITY TO ACCESS DISCLOSURES

BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT

BY CLICKING THE LINK, 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 THE LENDER ELECTRONICALLY. 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 THIRD-PARTY LENDERS OVER THE INTERNET

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