ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT
Electronic Copy of Related Disclosures, Agreements, and Instructions. In order to speed up the loan application process, with your consent, RateGenius, its network of lenders, lending partners, and third-parties ("Lender Network") will provide you with the following information electronically, rather than by postal mail or in person:
Your Consent is Required. You must consent to receiving the related legal disclosures, agreements, and instructions before they can be provided to you electronically. Your consent will only apply to the loan and related products you have selected and their related legal disclosures, agreements and instructions. You will not be consenting to receiving other electronic records or disclosures at this time.
Paper Copy of Disclosures, Agreements and Instructions. If you do not want to receive the legal disclosures, agreements and the instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements and instructions. RateGenius will not charge you any fees for providing a paper copy of the disclosures, agreements and instructions.
Withdrawal of Consent for Electronic Delivery. You may withdraw consent for electronic delivery of legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.
In the event that you withdraw your consent for electronic delivery, RateGenius will no longer be able to communicate with you electronically. To withdraw consent to electronic delivery, you must either: (i) write to us at RateGenius, Customer Service, 9300 United Drive, Suite 180, Austin, TX 78758; (ii) use a method that may be available to you at the RateGenius website www.rategenius.com; or (iii) contact Customer Service at 866-728-3436.
Updating Your Contact Information. To provide updated information on how RateGenius may contact you electronically, you must either: (i) write to us at RateGenius, Customer Service, 9300 United Drive, Suite 180, Austin, TX 78758; ((ii) use a method that may be available to you at the RateGenius website www.rategenius.com; or (iii) contact Customer Service at 866-728-3436.
System Requirements to Access the Information. To receive an electronic copy of the legal disclosures, agreements, and instructions related to your loan and any related products, you must have the following equipment and software:
System Requirements to Retain the Information. To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access device that is able to print the related legal disclosures, agreements, the instructions, communications, and online statements on plain white 8 1/2" x 11" paper.
Agreements and Acknowledgments. By submitting your application through RateGenius’ website, you represent that: (i) you have read, understand and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the "Agreement"); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.
Requirements for your application to be considered by RateGenius:
CONSUMER NOTICES BY STATE
Notice to California Residents: If married, you may apply for credit separately as an individual.
Notice to Maine Residents: You must have physical damage insurance covering loss or damage 1.0 the vehicle for the term of any loan. You may buy this insurance from anyone you choose. You do not have to buy it from someone affiliated with the lender. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the dealer or an assignee of the contract.
Notice to New Hampshire Residents: If this is an application for a balloon contract, you are entitled to receive, upon request, a written estimate of the monthly payment amount that would be required to refinance the balloon payment at the time such payment is due based on your current refinancing programs. A balloon contract is an installment sale contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.
Notice to New York Residents: Consumer reports may be requested in connection with this application. Upon request, you will be informed whether or not a consumer report was requested and, if it was, of the name and address of the consumer reporting agency that furnished the report. Additional consumer reports may be requested with respect to any extension or renewal of this obligation.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to Rhode Island Residents: Credit Reports may be obtained in connect ion with this application for credit.
Note to Vermont Residents: You authorize us and any financial service provider with whom this application is shared, to obtain credit reports to evaluate your credit application. If your application is approved and credit is granted, you also authorize all parties granting credit, holding and/or servicing your account, to obtain additional credit reports in connection with your account, as permitted by law.
Notice to Wisconsin Residents: The interest of the creditor will not be adversely affected by a provision of a marital property agreement, a unilateral statement under Wisconsin Statutes § 766.59 or a court decree under Wisconsin Statue § 766.70, unless you furnish a copy of such agreement, statement or decree to the creditor, or the creditor has actual knowledge of such provision before credit is granted.
Information We Collect
We might receive and collect, the following information about you while you use our services: your name, email, phone number(s), address, social security number, credit card number, date of birth, employer information, income figures, current loan/credit information, and vehicle information (“Information”). You may provide this Information when you go through our loan application process; sign up for other products or services through RateGenius; when you provide Information to us through a third-party application, service or website; when you communicate with us regarding our services through email or other means; or when you participate in any of our marketing initiatives.
Use of Collected Information
In general, RateGenius uses Information to provide the products and services you requested; provide you customer support; research and analyze other products and services that may save you money offered by RateGenius or others; to communicate with you via telephone, mobile devices, email or postal mail about products or services; to deliver relevant advertising; to analyze the effectiveness of RateGenius advertising and other campaigns; and to otherwise conduct our business. In addition, we may disclose the information we collect as described above to companies that perform marketing services on our behalf, with which we have joint marketing agreements, or with which we have other agreements that among other things require the safeguarding of your Information.
Links within the RateGenius site may take you to third party sites that are governed by their own privacy policies. When you use links to visit these sites, RateGenius’ privacy policies are no longer valid.
With Whom do we Share Your Information
Lenders: Once you have submitted an application, RateGenius will begin the process of finding you the best possible interest rate from our lender base of over 200 financial institutions. Your Information is not sent to each lender in our network for review. Instead, your credit profile and needs are matched to the borrower profile established by our lenders and sent to those lenders first. By submitting an application to RateGenius, you consent to the use of your credit report for the purpose of obtaining a credit offer from one of our participating lenders.
To Comply with the Law: We may disclose Information we collect if we determine in our sole discretion that such disclosure is necessary to comply with the law, including disclosure to law enforcement agencies and other government agencies and disclosure responsive to subpoenas. We also may disclosure information we collect if we deem it necessary to protect the rights, property, or safety of the RateGenius, our customers or others.
To Third-Parties: We may disclose your information to third party vendors that provide services to RateGenius to process your information for purposes of reviewing your loan application. Also, RateGenius may disclose your Information to third parties that are interested in contacting you or providing offers to you that may be related to our products and services or about products or services you may find of interest, and we may be compensated for such disclosure.
You can, at any time opt-out of our ability to share Information with unaffiliated third-parties that do not provide services to RateGenius for processing your loan application by contacting customer service at 866-728-3436.
Description of RateGenius
RateGenius is headquartered in Austin, Texas, and is licensed as a registered lender with the Texas Office of Consumer Credit Commissioner and is a proud member of the Better Business Bureau. All lenders in the RateGenius network are well established FDIC-insured banks, credit unions, thrifts or licensed lenders.
Protecting Your Personal Information
Protecting your privacy is important to us. We restrict access to non-public personally identifiable information about you to our employees and agents who need to know the information to provide products or services to you. We maintain physical, electronic, and procedural protections that comply with federal and state laws to safeguard your personal information. Because we recognize the importance of privacy where children are involved, we do not knowingly collect information from children.
Choices Regarding the Collection, Use and Distribution of Your Information
It is important to remember that you have absolute control over the amount of personal information collected on this site. When you click on “Save” at each step in the process, you affirmatively consent to RateGenius’ collection of Information for the application process.
As RateGenius continues to develop, it may sell or purchase other companies and/or assets. In such transactions, customer information is generally included in the transfer of business assets. In the unlikely event that RateGenius or substantially all of its assets are acquired, customer information will be one of the transferred assets.
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