Consent to Electronic Communications (E-Consent)
Please read this information carefully and print a copy and/or retain this information for future reference.
By utilizing this website and clicking the “submit” button, you are submitting a request to be connected with one of our third-party advertisers or lenders, collectively “third parties.” In order to attempt to connect you with an entity mentioned above, that may offer you a financial product or service, the third parties need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This policy notifies you of your rights when receiving electronic disclosures, notices, information and other forms of communication. By submitting your information on our website, you acknowledge that you have received and reviewed this E-Consent Policy, 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.
If you are connected with a Lender, and said Lender determines that you are a potential candidate for a financial product or loan, and said Lender offers you an electronic copy of any pertinent Disclosures related to that loan, you may, at any time, request any Disclosures in paper form by contacting the third-party lender directly. Depending on the specific Disclosure request to the Lender, the Lender may be able to provide these Disclosures to you at no or minimal charge. Each third party shall retain all Disclosures as required by any applicable laws to the specific transaction.
Scope of Consent.
This E-Consent Policy applies to all interactions online concerning you, and the third-party Lender or Advertiser, and includes those interactions engaged in on any mobile device, including phones, smart-phones, tablets, and any other electronic device that allows the consumer to connect to the Internet. By exercising this E-Consent, the third party may process your information and interact during all online interactions with you electronically. The third party may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at Amerishop
Business Credit Builders or the third-party websites, and may be provided by e-mail. See above for guidance on how to request paper copies.
Consenting to Do Business Electronically.
Before you decide to do business electronically with the third-party advertiser, you should consider whether 1. You wish to conduct business electronically, and 2. You have the required hardware and software capabilities described below.
Hardware and Software Requirements.
To both access and retain the Disclosures electronically, at a minimum, 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 electronic mail (e-mail) account, and an Internet Browser software program that supports at least 256-BIT encryption, including but not limited to, Microsoft® Internet Explorer, Google Chrome® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader® or Foxit®. 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 specific hardware and software requirements directly to the third-party lender or advertiser.
Withdrawing Consent.
If you are connected with one or more third-party lenders, you are free to withdraw your E-Consent with those third-parties at any time, and at no charge. However, if you withdraw this E-Consent before being connected with the third-party Lender, you may be prevented from obtaining an offer from the third party as this consent is required, for this one-time transaction, to facilitate the connection and to conduct business. Contact the third-party lender 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 third party advertisers informed of any change in either your electronic address or physical mailing address. Your lender will have specific instructions on how
to update your contact information, if necessary. Please note that Amerishop Business Credit Builders cannot update your information for you.
Your Ability to Access Disclosures.
By clicking and submitting your information, you assent to our terms and conditions. You acknowledge that you can access the disclosures in the designated formats described above.
Credit Authorization
You acknowledge, agree, and authorize that (a) Amerishop Business Credit Builders will obtain consumer and related information about you from one or more consumer reporting agencies for the purposes of identifying the lenders and/or service providers for you, (b) your information may be sent to lenders and/or service providers on your behalf, (c) your information may be used in order to make sure you are who you say you are, and to determine how much debt you currently have in order to determine your debt-to-income ratio, (d) such lenders and/or service providers may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, (e) and your information may be used by lenders and/or service providers to make prequalification and other credit decisions.
List of lenders and/or service providers:
Avant, Best Egg, FreedomPlus, LendingClub, LendingPoint, Liberty Bank, LightStream, Marcus by Goldman Sachs, NetCredit, OneMain, OppLoans, Payoff, Prosper, RISE, SoFi, Upstart