Your Consent To Do Business Electronically (the eDisclosure Agreement)

Last Updated on April 28, 2023.

The loan or funding for which you are applying involves various disclosures, records, and documents ("Loan or Funding Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Loan or Funding Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan or Funding Documents electronically, rather than on paper.

Before We can engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan or Funding Documents related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s) under the applicable loan or funding to which such Loan or Funding Documents apply, and "We", "Our" and "Us" mean the applicable broker(s), loan or funding processor(s) or funding providers(s) with whom You are transacting business for such loan or funding(s).

YOUR CONSENT

• Your consent to participate in this transaction electronically will apply to all Loan or Funding Documents for the applicable loan or fundings for which You are applying. If You provide Your consent by clicking the "I agree" button during the application process, We will conduct this transaction electronically, instead of providing You with the Loan or Funding Documents in paper form.
• If a document related to Your loan or funding is not available in electronic form, a paper copy will be provided to You free of charge.
• Conducting this transaction electronically is an option. If You choose not to accept receipt of eDisclosures, paper Loan or Funding Documents will be mailed to You.
• If You do not consent to receive these Loan or Funding Documents electronically, or if You subsequently withdraw consent, You will be provided with paper copies of the Loan or Funding Documents for which You did not consent to receive electronically. Additionally: You will not be required to pay a fee for receiving paper copies of the Loan or Funding Documents.

WITHDRAWAL OF CONSENT

• You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDisclosures, We will provide You with the Loan or Funding Documents in paper form.
• If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by notifying Us at: Phone: (855) 908-3863Address: [see Contact Us for latest address]
• If You originally consent to receive eDisclosures, but later withdraw Your consent, You will be provided with paper copies of the Loan or Funding Documents for which You did not consent to receive electronically. You will not be required to pay a fee for withdrawing consent and receiving paper copies of the Loan or Funding Documents.

OBTAINING PAPER COPIES

• After Your consent is given, You may request from Us paper copies of Your Loan or Funding Documents. Please send this request to Us at: Phone: (855) 908-3863Address: [see Contact Us for latest address]
• If You request paper copies of the Loan or Funding Documents: You will not be required to pay a fee for receiving paper copies of the Loan or Funding Documents.

SYSTEM REQUIREMENTS

In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.

If the software or hardware requirements change in the future, We will notify You of the change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty. Paper copies of such Loan or Funding Documents will be mailed to You if You choose to withdraw Your consent.

HOW WE CAN REACH YOU

• You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at: Phone: (855) 908-3863Address: [see Contact Us for latest address]
• We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.

Agreement with these terms during the application process will invoke your consent to do business electronically and to view Loan or Funding Documents electronically..

If you have any questions regarding this Privacy Policy or the practices of this Site, please contact us by sending an email to support@bigrivercap.com.