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Bankrate &ndash Consent for Electronic Signatures Records and Disclosures
Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our banking reporters and editors focus on the points consumers care about most — the best banks, latest rates, different types of accounts, money-saving tips and more — so you can feel confident as you’re managing your money. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Please read this information carefully and print a copy and/or retain this information for future reference. Introduction
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. Withdrawing Consent
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. Consent
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.