Terms & Conditions of Use
Welcome to FinancialLitNow.org. Please carefully read all of the following legal notices concerning your use of our website and the loan services applications.
When applying for loan services, you hereby consent to receive autodialed and/or pre-recorded telemarketing calls at the telephone number provided, including your wireless number, if applicable. You understand that consent is not a condition of purchase and you may revoke this consent at any time.
AGREEMENT FOR ELECTRONIC COMMUNICATIONS
When you submit an application for loan services on FinancialLitNow.org, you are consenting to have your lender provide documents to you electronically. All documents sent by the lender are subject to this Consent Form, including but not limited to, any and all disclosures, declarations, contracts, policy forms, certificates, and/or documents, information, requests, applications, communications, and/or notices required by federal law, except when applicable law requires notice by another means. You agree that electronic delivery of documents is sufficient to meet all reporting and/or notice requirements, except when applicable law requires notice by another means. You are not required to receive documents electronically. If you do not agree to this Consent Form, please contact the lender and you will be provided documents in accordance with applicable law. Your agreement to accept documents electronically means that once the lender delivers a document to you, and if required, you click to accept the document, the terms contained in the document apply to you. Additionally, it means that the lender may not mail you copies of documents that are provided electronically. You must print or otherwise retain a copy of this consent form for your records.
Availability of Electronic Documents
When the lender delivers a document electronically, it will do so by making the document available to you through an online customer portal where documents are placed for you to view or by sending the document by e-mail. You should check your e-mail periodically to ensure timely receipt of any document delivered electronically. You agree to access the portal within 10 days of receiving notification that a document has been posted. A document will be considered delivered to you when: (1) the e-mailed document leaves the lender’s system (if e-mailed); or (2) the document is posted on the portal. To be clear, a document is not considered delivered based on when you review the document. The receipt of documents electronically has security and privacy risks. E-mail and online security and privacy cannot be guaranteed, and e-mails can be intercepted without your permission. If you agree to this Consent Form, you acknowledge and agree to accept these and other risks of receiving documents electronically.
Computer and Software Requirements
Before agreeing to receive documents electronically, you must determine whether you have the necessary hardware and software to access and retain documents electronically. To access documents, you will need an e-mail address, Adobe Acrobat Reader, and a personal computer or other personal device that is capable of accessing the internet. To retain documents, your access device must have the ability to download to your hard drive, or an external media storage device, or to print the documents, as well as embedded HTML files. If you are unable to access a document electronically, you are obligated to notify your lender immediately by phone or email. If, after you have consented to the terms and conditions of this Consent Form, a change in the hardware or software requirements needed to access or retain documents electronically creates a material risk that you will not be able to access or retain subsequent documents delivered electronically, upon request, the lender will provide you with a statement of the revised hardware and software requirements for access to, and retention of, the documents, and the right to withdraw your consent without imposition of any fees for such withdrawal, and without imposition of any condition or consequence that was not disclosed in this Consent Form.
Optional Paper Forms
You have the option to request that the lender provide you with paper copies of the documents the lender provides to you electronically. If you wish to obtain a paper copy of a document, you may send an e-mail request to the lender’s physical address or a written request to the lender’s physical address. Some lenders may charge for paper copies of a document. Moreover, even if you consent to receive documents electronically, the lender may choose, in its sole discretion, to send paper copies of documents to you even though the documents were made or could have been made available to you electronically. Such delivery will be provided to you at the most current mailing address on file.
Withdraw Consent to Receive Electronic Documents
You may withdraw your consent to receive documents electronically, at any time and without charge, by sending an e-mail request to the lender’s physical address or a written request to the lender’s physical address. Withdrawal of your consent shall not affect the legal effectiveness, validity, and/or enforceability of documents provided or made available to you electronically prior to implementation of your withdrawal of consent. Your withdrawal of consent shall be effective within ten (10) days after receipt by the lender of your withdrawal request. Thereafter, such delivery will be provided to you at the most current mailing address on file.
Authority to Access Documents
You are the only individual authorized to access your documents from the lender electronically. Do not share or disclose your password or other secure method to access documents delivered electronically. You must take all reasonable measures to protect your access devices to prevent unauthorized access to documents delivered electronically.
TERMS AND CONDITIONS OF USE
The term ‘FinancialLitNow.org’ or ‘us’ or ‘we’ refers to the owner of the website. The term ‘you’ refers to the user or viewer of our website. The use of this website is subject to the following terms and conditions of use:
Sensitive and private information, such as social security numbers, and other financial details, is used for the purpose of the respective transaction, and, once the transaction is complete, it is not stored on our servers.
Last update of this legal notice: February 12, 2018.
4952 S Rainbow Blvd #241
Las Vegas, NV, 89118