What is E-Consent?
Under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act), you have the right to receive important legal documents on paper. By agreeing to the Personify Finance E-Consent disclosure, you agree instead to receive these documents in electronic form.
Documents you may receive electronically
By consenting, you agree to receive the following Personify Finance documents and communications electronically:
- Loan agreements and promissory notes
- Truth in Lending Act (TILA) disclosures
- Rate quotes and loan offers
- Account statements and payment reminders
- Change-in-terms notices
- Adverse action notices (if your application is declined)
- Privacy notices and updates
- Collection and account servicing communications
- Tax forms (such as 1099-C for certain transactions)
System requirements
To receive and retain Personify Finance electronic communications, you need:
- A computer, tablet, or smartphone with internet access
- A modern web browser (current or recent version of Chrome, Safari, Edge, or Firefox)
- PDF reader software (such as Adobe Acrobat Reader)
- A valid email address
- Sufficient device storage to download and save documents
- A printer, if you wish to print copies
Your right to withdraw consent
You can withdraw your E-Consent at any time by contacting Personify Finance customer service through the borrower portal or by phone. If you withdraw consent, Personify Finance will send future documents on paper. Withdrawing consent after a loan has been originated does not change the validity of your loan agreement or any documents you already received electronically.
Note that if you withdraw E-Consent, Personify Finance may close your online account or require re-enrollment to continue servicing certain accounts electronically.
How to request a paper copy
Even if you've consented to electronic delivery, you can request a free paper copy of any Personify Finance document at any time by contacting customer service. We'll mail it to the address on file.
Keeping your contact information current
You must notify Personify Finance of changes to your email address or phone number. Failure to maintain current contact information may prevent you from receiving important notices about your loan.
Signing the E-Consent
When you check the box agreeing to electronic communications during the Personify Finance application process, you are providing your E-Consent. This consent applies to all documents related to your Personify Finance loan and account unless and until you withdraw it.