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E-Consent

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By clicking on Get Started, you indicated that you have read and understood and agree to Privacy Policy, Terms of Use, and E-Consent

effective-advance.com Consent for electronic signatures, records, and disclosures ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction.

You are submitting a request to be connected with one of our third party lenders or lending partners. In order to offer you a loan, the third party lenders or lending partners 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 or lending partner directly. They will provide paper copies to you. Some may charge for these copies and some may not. The lenders or lending partners will retain all Disclosures as applicable law requires.

Scope of Consent.

This E-Consent applies to all interactions online concerning you and the third party lender or lending partner and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender or lending partner may process your information and interact during all online interactions with you electronically. They may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders’ or lending partners’ websites, and may be provided by e-mail.

Consenting to Do Business Electronically.

Before you decide to do business electronically with the third party lenders or lending partners, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements.

To access and retain the Disclosures electronically, 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 e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Chrome® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X®. 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 hardware and software requirements directly to the third party lenders or lending partners.

Withdrawing Consent.

Your E-Consent for our connecting service and for our third party lenders’ or lending partners’ consideration of your connecting request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third party lenders or lending partners, you are free to withdraw your E-Consent with them at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender or lending partner. Contact the third party lender or lending partner 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 lenders or lending partners informed of any change in your electronic address or mailing address. You may update such information by logging into their website or by sending them a written update by mail.

YOUR 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 OR LENDING PARTNER 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 OR LENDING PARTNERS OVER THE INTERNET.

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© 2021 effective-advance.com.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. effective-advance.com is not a lender and does not make loans or credit decisions. effective-advance.com provides a connecting service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. effective-advance.com does not charge a service fee. effective-advance.com does not control and is not responsible for the actions or inactions of any lender. effective-advance.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice. Subject to our privacy policy, effective-advance.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. effective-advance.com does not guarantee that completing an online form will result in your being connected with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.