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  • brightsideloan.com E-Consent

    Effective Date: January 1, 2023

    Introduction

    You are submitting a request to be connected with one of our third party lenders. In order to offer you a loan, 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 directly. The lenders will provide paper copies at no charge. The lenders 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 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 may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically 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

    Before you decide to do business electronically with the third party lenders, 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, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® 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 hardware and software requirements directly to the third party lenders.

    Withdrawing Consent

    Your E-Consent for our loan connecting service and for our third party lenders’ consideration of your request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third party lenders, you are free to withdraw your E-Consent with those third party lenders 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. 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 lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender’s website or by sending the lender 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 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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    BrightSideLoan is not a financial institution, lender, loan broker, or an agent of a lender or loan broker. BrightSideLoan does not make loans, is not involved in the loan approval process, and is not involved in a lender’s decision-making process in any way. BrightSideLoan is a free, no obligation service, that introduces prospective borrowers to prospective lenders who offer loans. BrightSideLoan merely provides a means for persons seeking loans to possibly connect with lenders who can provide those loans. In order for BrightSideLoan to facilitate such a connection, a prospective borrower is required to provide certain information in order for the lenders that BrightSideLoan works with to determine whether they might be interested or able to lend money to a prospective borrower. BrightSideLoan receives compensation from the lenders who, based on their criteria, determine that a potential borrower appears to meet their lending criteria (a “Lead” or “Leads”).

    The lenders who compensate BrightSideLoan for Leads may request that introductions and Leads be based on information provided by prospective borrowers including social security number, address, phone number, employment history, bank account information etc. However, the information you submit on this website is not an application. It is information required by the lenders we work with in order to determine whether there’s a potential fit between a prospective borrower and a lender. BrightSideLoan does not accept loan applications, does not collect loan applications, does not sell loan applications, and does not assist in the loan application process in any way. Prospective borrowers will need to fill out an application with any lenders they are connected to through this website. Prospective lenders may verify your supplied information with a number of independent verification companies including but not limited to: CLVerify, Teletrack, or Accurint. Prospective lenders may ask for additional information as part of their application processes. BrightSideLoan cannot and does not guarantee that a prospective lender will approve a loan in a certain amount or even that a prospective lender will approve you for a loan. Qualifying for final approval for a Personal Loan depends on many factors including, but not limited to: income levels, credit and state of residence Not all lenders will approve a loan for the full amount requested. Not all lenders will approve a loan up to $5,000. All requests are subject to credit approval by the lender and the exact terms of your loan will be determined and presented to you by your lender. Each lender uses their own policies to determine their terms.

    BrightSideLoan provides no advice regarding the lenders introduced to prospective borrowers. BrightSideLoan cannot guarantee that its prospective lenders are qualified to make loans in your state. Prospective borrowers should research any lender that they are introduced to and should not seek a loan from a lender that does not offer loans in their state. BrightSideLoan provides no advice regarding loan terms, the suitability of loans to you, or any other aspect of a loan. BrightSideLoan merely makes connections between prospective borrowers and lenders. BrightSideLoan does not present loan terms to prospective borrowers. Only prospective lenders provide loan terms to prospective borrowers once BrightSideLoan makes an introduction. You should carefully review each lender's terms and conditions to determine which loan works for you and your personal financial situation. BrightSideLoan recommends that potential borrowers read any loan terms thoroughly and/or retain a loan broker or agent if advice is needed. Interest rates and terms from prospective lenders are subject to change at any time without notice. Late or missed loan payments may be subject to increased fees and interest rates by the prospective lender. Prospective lenders offer no guarantee that you will be approved for credit or that upon approval you will qualify for the prospective lender's advertised rates, fees, or terms they have shown. The offers on this site are from lenders who provide compensation to brightsideloan.com for provided leads. There is no cost to you to use this service. All reasonable efforts are made to provide and maintain accurate information. The rates set forth herein are examples for illustrative purposes only and are provided by prospective lenders. They are not a guarantee or commitment from the prospective lenders to loan funds or extend credit. Loans are not available in all states at all requested amounts. This service is not available to residents from New York, West Virginia or the District of Columbia.