Disclosure

E-Consent

CONSUMER CONSENT TO RECEIVE ELECTRONIC DISCLOSURES AND COMMUNICATIONS

YOU ARE ENCOURAGED TO PRINT OR SAVE A COPY OF THIS CONSENT AGREEMENT FOR YOUR RECORDS.

By using the services provided on this website, you are submitting a request to be connected with third-party lenders and financial service providers. To process your request, the operator of this website and its network of third-party lenders financial service providers may be legally required to provide you with certain communications, notices, disclosures, material information, and other materials (“Disclosures and Communications”). Therefore, the operator of this website and its network of lenders and financial service providers must obtain your consent in order to deliver such Disclosures and Communications electronically.

ELECTRONIC CONSENT. By submitting your request to be connected with lenders and other financial service providers, you expressly agree and consent to receive all legally required Disclosures and Communications in electronic form. These may be provided via email or made available to you on the website of a third-party lender or financial service provider you may connect with. You also agree that your electronic signature on any agreements or documents carries the same legal effect as a handwritten signature.

SCOPE OF ELECTRONIC CONSENT. The consent you are providing in Section A to receive Disclosures and Communications electronically and to transact business electronically applies to your request to the operators of this website and to any third-party lenders or financial providers. This consent also extends to all online interactions between you and such third-parties, and includes communications conducted through mobile devices, including but not limited to text messages or recorded calls.

HARDWARE AND SOFTWARE REQUIREMENTS. To access and retain electronic Communications for your records, you will need the following: (i) a computer or device with internet access and a valid email address; (ii) a printer or the ability to print Communications; and (iii) a storage method (such as a hard drive or flash drive) to save copies of Communications for future reference.

REQUESTING PAPER RECORDS FROM LENDERS. You have the right to request paper copies of any Disclosures and Communications from lenders or financial service providers you connect with by contacting them directly with such request. Some lenders may provide these copies at no cost, while others may charge a fee and it will vary from lender to lender. Refer to the contact details for each lender you may connect with, which should be available on their respective websites or communications.

WITHDRAWING CONSENT. Your electronic consent is necessary for third-party lenders and financial service providers to process your request for a loan or financial product and therefore, once you provide this initial consent, you may not withdraw consent during the connection process with lenders. However, if and once you are connected with a lender or financial service provider, you may withdraw your consent to conduct business electronically with them directly.

ACCURATE CONTACT INFORMATION. You are responsible for providing and maintaining accurate information with any third-party lender or financial service provider you may connect with through our website, including but not limited to, informing them of any changes to your contact information. Please contact your lender directly to update or change any contact information.

BY CLICKING SUBMIT ON THE WEBSITE FORM OR SUBMITTING YOUR INFORMATION TO THIS WEBSITE, YOU ARE AGREEING TO THESE TERMS. YOU CONFIRM THAT YOU HAVE READ AND UNDERSTAND THIS INFORMATION REGARDING ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND ELECTRONIC TRANSACTIONS. YOU CONSENT TO THE USE OF ELECTRONIC SIGNATURES, TO RECEIVING ALL DISCLOSURES IN ELECTRONIC FORM, AND TO CONDUCTING BUSINESS ELECTRONICALLY WITH THE LENDER OR FINANCIAL SERVICE PROVIDER. YOU ALSO UNDERSTAND THAT YOU MAY REQUEST PAPER COPIES OF ELECTRONIC RECORDS AND DISCLOSURES. YOU ACKNOWLEDGE THAT CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO OBTAIN SERVICES FROM THE OPERATORS OF THIS WEBSITE, THIRD-PARTY LENDERS, OR FINANCIAL SERVICE PROVIDERS ONLINE.

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Important Disclosures

Disclaimers: The operators of this website are not lenders, financial institutions, creditors, and do not broker loans, determine creditworthiness, or make credit decisions. Therefore, the operators of this website have no determination in determining whether a consumer will be approved for a loan by a lender they may connect with using the services offered on this website. This website offers a free service which collects a consumer’s submitted information and passes it to third-party lenders in its network, which may offer certain financial products. Submitting information through the website form does not guarantee that a consumer will connect with a lender or qualify for a loan or a specific amount of credit. The typical loans products offered by lenders which consumers may connect with are not long-term financial solutions but instead, are intended to provide temporary credit to resolve immediate financial needs or emergencies. The operators of this website receive monetary compensation from the lenders a consumer may connect with and whose products are presented through the website, such as a referral for each consumer request they receive. To summarize, the operator of this website earns referral fees from passing information to lenders. This form of compensation will impact which lenders a consumer may connect with or which offers a consumer may receive from a lender. Not all loan products available to consumers in the marketplace may be offered through our free service or available through the lenders you may connect with and consumers are encouraged to conduct research prior to the acceptance of credit. Lenders that consumers may connect with through our service will likely perform credit checks through credit reporting bureaus while also verifying the information a consumer provides on the website’s form, including but not limited to: social security number, address, phone number, employment history, and bank account information. By submitting information on this website, consumers are providing express written consent, in accordance with the Fair Credit Reporting Act, for lenders to access your credit reports, credit scores, and related consumer information. Furthermore, our service works with several types of lenders, including national and state licensed and tribal lending institutions. Indian tribes that are federally recognized are independent sovereign nations, meaning that their wholly owned entities are generally not subject to certain laws and regulations governing lending, such as rates, fees and other loan related conditions. Consumers that connect with tribal lending institutions on this website are encouraged to review all material terms, including rates, as they may be higher than those rates offered by certain state licensed lenders. Lenders you may connect with are required by federal law to disclose material loan terms and conditions to consumers, such as rates and fees. Non-payment of loans may impact a consumer’s credit score negatively if a credit provider chooses to report delinquencies. Additionally, failure to repay loans may result in nonpayment penalties and collection activities. This operator of this website does not recommend, endorse, or warrant any product or service. You are under no obligation at any time to accept any offer from a lender or financial service provider. For more information, visit our Disclosure page.

Availability: The products and services offered by lenders in our network may not be available in every state. If a consumer resides in a state where certain products or services are not offered or available, then the consumer will not be able to be connected to a lender. No services contained on this website shall constitute an offer or solicitation for any financial or loan products that are prohibited by state law.

Billshappen.com® is an exclusive trademark of Winston Wolfe Media Group, LLC (“WWMG”). WWMG does not operate this website, does not provide any services to consumers, and does not collect, receive, store, or process consumer information submitted through this website. All services, including data collection, processing, consumer communications, and interactions with lenders or service providers, are performed solely by the operators of this website. WWMG is not a lender, broker, or agent of any lender and does not make credit decisions or participate in any lending or marketing activities. WWMG reserves all rights. Unauthorized copying, distribution, or dissemination of any kind is prohibited.