Bankrate – Consent for Electronic Signatures, Records, and Disclosures
The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .
Please read this information carefully and print a copy and/or retain this information for future reference.
You are submitting a request to be matched with one of our third-party lenders or service providers. To offer you a loan, the third-party lenders or service providers 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 service provider directly. The lenders or providers will provide paper copies. Some lenders or service providers may charge a fee for providing paper copies, at their discretion. The lenders or service providers 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 service provider 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 service provider may process your information and interact during all online interactions with you electronically. The lender or service provider may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third-party lenders’ or service providers’ 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 service providers, 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 supported web browsing software (Chrome version 32.0 or higher, Firefox version 26.0 or higher, Internet Explorer version 8.0 or higher, or Safari version 7.0 or higher). 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 or service providers.
Additional Mobile Technology Requirements
If you are accessing a Partner site and/or the Disclosures electronically via a mobile device (such as a smart phone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save the Disclosures presented to you during the application process. These applications can be found for most mobile devices in the device’s “app store.” If you do not have these capabilities on your mobile device, please access the Partner’s site through a device that provides these capabilities.
Your E-Consent for our matching service and for our third-party lenders’ or service providers’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third party lenders or service providers, you are free to withdraw your E-Consent with those third party lenders or service providers at any time and at no charge, by contacting the Partner at the address provided in the initial disclosure. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender or service provider. Contact the third party lender or service provider 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 service providers informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender’s or service provider’s website or by sending the lender a written update by mail.
Your Ability to Access Disclosures
By clicking the link, you agree to these Partner Terms. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
By clicking the link, 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 Partner electronically. You acknowledge that you may request a paper copy of the electronic records and Disclosures. If you refrain from proceeding than you neither wish to use electronic signatures not conduct this transaction electronically. You also acknowledge that your consent to electronic Disclosures is required to receive services from third party lenders or service providers over the internet.