Electronic Consent and Disclosure Agreement

By using the website and services of Gold Scepter Finances LLC ("we," "us," or "our") and by submitting a loan application, you consent to receive all disclosures, notices, and other communications from us and our partner lenders in electronic form. This Electronic Consent and Disclosure Agreement ("E-Consent") explains your rights and our obligations regarding electronic communications.

1. Scope of Consent

You consent to receive electronically all of the following:

• Disclosures required by the federal Electronic Signatures in Global and National Commerce Act (ESIGN Act), the Uniform Electronic Transactions Act (UETA), and applicable state and federal consumer protection laws
• Loan application disclosures, including but not limited to the Truth in Lending Act (TILA) disclosures
• Loan agreements, promissory notes, and other loan-related documents
• Notices regarding your account, including payment reminders and delinquency notices
• Privacy policies, terms of use, and other legal documents
• Marketing communications, where you have opted in or where permitted by law

2. Hardware and Software Requirements

To access and retain electronic disclosures and communications, you must have:

• A device (computer, tablet, or smartphone) with internet access
• A current web browser (e.g., Chrome, Firefox, Safari, Edge) with 128-bit encryption
• Software capable of displaying PDF files (e.g., Adobe Acrobat Reader)
• A valid email address
• Sufficient storage space to save or print electronic documents

If these requirements change and we believe the change may affect your ability to receive electronic communications, we will notify you.

3. Withdrawal of Consent

You may withdraw your consent to receive electronic communications at any time. To withdraw consent, contact us at [email protected] or call +1 970 4063551. Withdrawal of consent will not affect the legal effectiveness of any electronic communications you received before the withdrawal. If you withdraw consent before completing a loan application, we may be unable to process your application. If you withdraw consent after entering into a loan agreement, you may be required to receive paper communications, and the lender may charge a fee for paper delivery.

4. Requesting Paper Copies

You may request a paper copy of any electronic disclosure or communication at no charge by contacting us. We will provide the paper copy within a reasonable time. Requesting a paper copy does not constitute withdrawal of your consent to receive future communications electronically.

5. Updating Your Contact Information

You must keep your email address and other contact information current. If your email address or contact information changes, you must notify us promptly. You are responsible for ensuring that we have accurate contact information. We are not responsible for communications that fail to reach you due to an incorrect or outdated email address.

6. Electronic Signatures

You agree that your electronic signature has the same legal effect as a handwritten signature. You consent to the use of electronic signatures for all documents related to your loan application and any resulting loan agreement. When you click "Submit," "I Agree," "Sign," or similar buttons, or when you type your name in a signature field, you are signing the document electronically and are legally bound by its terms.

7. Consent to Contact

By providing your telephone number(s) and email address, you consent to receive calls, text messages, and emails from us and our partner lenders at those numbers and addresses regarding your loan application and any resulting loan. You understand that consent is not required to purchase goods or services. Message and data rates may apply. You may opt out of marketing communications at any time by following the unsubscribe instructions in our communications or by visiting our Unsubscribe page.

8. Copies of Disclosures

You may print or save copies of electronic disclosures and communications for your records. We recommend that you retain copies of all loan-related documents. We will provide you with access to electronic documents for a reasonable period as required by applicable law.

9. Legal Effect

This E-Consent, together with our Privacy Policy and Terms of Use, constitutes the entire agreement between you and Gold Scepter Finances LLC regarding electronic communications. This E-Consent is governed by the laws of the State of Colorado and applicable federal law.

10. Contact Us

If you have questions about this E-Consent or need to update your contact information, contact us at:

Gold Scepter Finances LLC
2720 S Garfield St, Denver, CO 80210-6622
Email: [email protected]
Phone: +1 970 4063551