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ELECTRONIC COMMUNICATION POLICY

Last updated: February 2024

Please read this Electronic Communications Disclosure (“eCommunications Disclosure”) thoroughly. It contains important information about your legal rights. 

This eCommunications Disclosure covers all your accounts, products, and services with Alt Lending, LLC (collectively, “we”, “us”, and “our”) accessible, either currently or in the future, through our app, websites, or other electronic means, in connection with any of our products or services. The words “you” and “your” mean each account holder, product owner and/or service user identified on an account, product or service.

Your Legal Rights

Certain laws and regulations require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present this eCommunications Disclosure and obtain your consent to receive the information electronically. Your consent will also apply to any other person named on your account, product or service, subject to applicable law. Since certain of our accounts, products or services are provided online and use electronic means to deliver some of this information, you must consent to this eCommunications Disclosure to use these services. At times, we may still send you paper communications, but as a basic proposition we need to know that you are willing to receive communications electronically that we may otherwise be required to provide on paper and that you have the hardware and software needed to access to this information.

Types of Electronic Communications You Will Receive

You understand and agree that we may provide to you in electronic format only, such as by posting the information on the website where you access your accounts, products or services, through e-mail (if applicable and if you have provided a valid e-mail address), or through other electronic means, agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of our websites or our other electronic services, your relationship with us, and/or other programs, products or services that are or may be in the future made available to you (collectively, “Communications”). Such Communications may include, but are not limited to:

  • This eCommunications Disclosure and any updates;
  • Any service or user agreements for access to our websites or other electronic services, all updates to these agreements and all disclosures, notices and other communications regarding transactions you make through websites or our other electronic services;
  • Disclosures, agreements, notices and other information related to the opening or initiation of an account, product or service including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
  • Periodic, annual, monthly or other statements, disclosures and notices relating to the maintenance or operation of an account, product or service including, but not limited to account information, account activity, account inactivity, payments made or due, or other statements, disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
  • Any notice or disclosure regarding an account, product or service fee;
  • Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to accounts, products or services you obtain from us;
  • Our Privacy Notice and other privacy statements or notices (by posting such notices on our website) or electronically delivered;
  • Certain tax statements or notices that we are legally required to provide to you; and
  • Certain information or forms that we request from you and ask you to submit electronically, such as signature cards, tax documentation (ie W-9s), or other agreements.

Types of Communications You Will Receive in Paper

This eCommunications Disclosure does not apply to any communications 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.

Such communications shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement.

Hardware and Software Requirements

For Our Mobile App: 

You will need a computer or mobile device with internet access and browser, a compatible operating system (iOS 14.0 or higher or Android 8.0 or higher), and a compatible Alt Lending app to access the Communications. While you may be able to access and retain the Communications using other hardware and software, we recommend that you use the latest version of the Alt Lending app available, keep your security settings up to date and that you enable JavaScript. In certain circumstances, we may need to block certain software from accessing Alt Lending app due to possible security risks and may not be able to inform you in advance.

For Our Website:

You will need a computer or mobile device with internet access and browser, and a compatible operating system to access the Communications. While you may be able to access and retain the Communications using other hardware and software, we recommend that you use the latest version of the supported browsers, keep your security settings up to date and that you enable JavaScript. In certain circumstances, we may need to block certain browsers and software from accessing our website due to possible security risks and may not be able to inform you in advance.

Our supported browsers include Firefox 93 or higher, Chrome 93 or higher, Edge 96, and Safari 14.x or higher.

Most Communications provided within our websites are provided either in HTML and/or PDF format. For Communications provided in PDF format, Adobe Reader 6.0 or later versions is required. A free copy of Adobe Reader may be obtained from the Adobe website.

In certain circumstances, some Communications may be provided by e-mail. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. At our option, we may also post the emailed Communications within our websites. In this situation, you agree that once we email the Communications to you and post them within our websites, that we have delivered the Communications to you in a form that you can retain.

To print or download Communications you must have a printer connected to your device or sufficient hard-drive or other storage space to store the Communications.

How to Withdraw Your Consent to this eCommunications Disclosure

Subject to applicable law, you may withdraw your consent to this eCommunications Disclosure by emailing info@thealtlender.com or by calling 844-258-5363. You will not be charged a fee for withdrawal of your consent.

For our Mobile App, if you withdraw your consent to this eCommunications Disclosure, we may stop providing you with Communications electronically and we may terminate your Mobile App access. If you withdraw your consent to this eCommunications Disclosure, we may stop providing you with Communications electronically.

Your withdrawal of consent is effective only after you have communicated your withdrawal to us, and we have had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn in the manner provided in this section.

Consent Coverage; Certain Notices From You Are Not Covered

Applicable law or contracts sometimes require you to give us “written” notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices.

Obtaining Copies of Electronic Communications

You may print or make a copy of Communications by using the “Print” button (or otherwise using your printing functionality) or saving a copy – do this when you first review the Communications because after submission, we do not necessarily keep them all in a place that you can access. For certain products, accounts, or services, we will, upon request, provide you with a paper copy of any Communications provided electronically by us to you pursuant to this eCommunications Disclosure, provided we receive your request within 12 months after the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by calling 844-258-5363.

Be sure to specify your account, service or product identification number, as applicable, the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications.

Updating Your Contact Information

In the event that your e-mail address or other contact information is changed, you must notify us of such changes immediately through one of the following methods:

  • For our website, access the profile page on your account and click on the appropriate links on the “Personal Information” page to update your contact information; or
  • Call 844-258-5363 and communicate the contact information changes.

If you fail to update or change an incorrect or invalid e-mail address or other contact information, you understand and agree that any Communications shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form on our websites, e-mailed to the e-mail address we have for you in our records, or delivered through other electronic means.

Retain Copies for Your Records

We recommend that you print or download a copy of this eCommunications Disclosure, the applicable service or account agreement and all other Communications to retain for your permanent records; if you have not already placed a copy of our Privacy Policy in your records, you can obtain another copy of our Privacy Notice or California Privacy Notice.

Consent and Agreement

By accepting above, you certify that: (i) you have read and understand this eCommunications Disclosure, (ii) you can print or electronically save this eCommunications Disclosure for future reference, (iii) you consent to receive the required information described above by electronic means, (iv) you acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and intend that this statute applies to the fullest extent possible, and (v) you have provided a working individual e-mail address.