E-SIGN Consent

CONSENT TO ELECTRONIC RECORDS AND COMMUNICATION.

LAST UPDATED March 2nd, 2025

1. Scope

This Consent to Electronic Disclosures (“Consent”) applies to any and all interactions between you and AspiraLend (the “Company”), and between you and any creditor or creditor partner providing approved financing through a AspiraLend (“Participating Creditors"), in connection with any prequalifications or applications for credit or any resulting extensions of credit (individually an “Account” and collectively “Accounts”), as well as your dealings with Company and any third-party creditors or partners in the future in connection with your Accounts, such as matters related to the servicing of any Account.

In this Consent, the words “you” and “your” refer to each person applying for financing; “we,” “us,” and “our” refer to Company, any Participating Lender, and any of their affiliates, agents, independent contractors, designees, service providers or assignees.

Please read this document carefully and retain a copy for your reference

2. Your Legal Rights Regarding Electronic Communications

We must provide you with certain communications and disclosures in writing (i.e., you have a right to receive such communications on paper) pursuant to applicable laws and regulations. This information may be provided to you electronically if you agree to this Consent.

3. Types of Electronic Communications You May Receive

You agree and consent to receive electronically all communications we may provide, including agreements, documents, notices, statements and disclosures (each a “Communication” and collectively the “Communications”) in connection with your applications or Accounts. Categories of communications may include, but are not limited to, the following:

agreements and policies you agree and consent to and updates to such agreements and policies;

notices, receipts and confirmations related to your Account, including authorizations for consumer reports and receipt of telephonic or text outreach;

any notices and disclosures required by state or federal law;

marketing information and preferences;

any other account and transaction notices and information from us.

4. Electronic Agreements and Updates

Any Communication that you accept or agree to receive electronically or any Account update you submit to us electronically will be enforceable without your signature on a paper form.

5. Paper Communications

We will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so. We may send Communications to you in paper form because we are legally required to do so or because we determine in our sole discretion that you should receive the Communication in paper rather than electronic form.

6. Copies of Electronic Communications

You may retain a copy of any electronic Communication by using your print function or saving an electronic copy for your records. If, after you receive a Communication electronically, you would like a paper copy of a Communication previously provided to you, you may request a copy during the period we retain your Account documentation by contacting us at [email protected]. We will send your paper copy to you by U.S. mail. In order for us to send you a paper copy, you must have a current mailing address on file with us. You may be charged a fee for each paper copy of any electronic record.

7. Withdrawal of Consent to Electronic Delivery of Communications

You can withdraw your consent to electronic Communications by contacting Company and asking that Communications be sent to you in paper or other non-electronic form using one of the following methods:

Telephone: 307-218-2420

Email: [email protected]

Your withdrawal of consent to electronic Communications is effective only after we have had a reasonable period of time to act upon your withdrawal. If you withdraw your consent to electronic Communications, we may charge you a fee for paper Communications.

8. Your Contact Information

If you give us an incorrect email address or fail to update or correct your email address, an electronic Communication will be deemed provided to you if we use the email address in our records for the electronic Communication. You can update your contact information by using one of the methods outlined above.

9. Hardware and Software Requirements 

a recent-generation computer, mobile device, tablet or similar device with an internet connection;

a current web browser that includes 128-bit encryption with cookies enabled;

a current version of a software program that can open and display PDF files (such as an Adobe Acrobat reader);

a valid email address with email software to communicate with us electronically; and an installed printer or sufficient storage space to save, store, print or otherwise retain electronic Communications.

By giving your consent, you are confirming that you have access to the necessary software and hardware, and can receive, open, print, download a copy or otherwise retain a copy of any electronic Communication for your records. You are advised to retain a copy of all electronic Communications as they may not be accessible online or in paper form at a later date.

1. Federal Electronic Signatures Law

You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

2. Termination/Changes

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

3. Reservation of Rights

This Consent does not apply to any Communication that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form.