E-Consent

Please read this Electronic Consent ("E-Consent") carefully and retain a copy for your records.

By using LoanHorizonX and submitting information through our website, you agree to receive disclosures, notices, agreements, records, and other communications electronically. This E-Consent applies to all interactions between you, LoanHorizonX, participating lenders, lending partners, and service providers.

Introduction

You are submitting a request to be connected with third-party lenders, lending partners, or financial service providers. In order to provide services electronically, these providers require your consent to use electronic signatures, electronic records, and electronic disclosures.

By continuing to use this website and submitting your information, you acknowledge that you have received this E-Consent and agree to conduct business electronically.

Electronic Records and Signatures

You agree that your electronic signature has the same legal effect as a handwritten signature. You further agree that all agreements, notices, disclosures, authorizations, and records may be provided to you electronically.

Electronic records may include, but are not limited to:

• Loan disclosures
• Privacy notices
• Terms and conditions
• Authorization forms
• Account communications
• Marketing communications
• Other legally required notices

Paper Copies

You may request paper copies of disclosures directly from the lender, lending partner, or service provider that provides the product or service to you.

Any fees associated with providing paper copies will be determined by the applicable provider.

Scope of Consent

This E-Consent applies to all online interactions concerning you and LoanHorizonX, as well as any participating lenders, lending partners, and service providers.

This includes interactions conducted through:

• Desktop computers
• Laptop computers
• Tablets
• Mobile phones
• Smartphones
• Other internet-connected devices

Communications may be delivered through websites, email, SMS messages, account portals, or other electronic methods.

Hardware and Software Requirements

To access and retain electronic disclosures, you should have:

• A computer, tablet, smartphone, or other internet-enabled device.
• Internet access.
• A modern web browser such as Google Chrome, Microsoft Edge, Mozilla Firefox, or Safari.
• A valid email address.
• Software capable of viewing PDF documents.
• A printer or storage device if you wish to retain copies of disclosures.

Withdrawing Consent

You may withdraw your consent to receive electronic communications from a lender, lending partner, or service provider by contacting that provider directly.

Please note that withdrawing consent may limit your ability to obtain products or services electronically.

Any withdrawal of consent will not affect the validity or enforceability of electronic records or disclosures provided before consent was withdrawn.

Updating Contact Information

You are responsible for keeping your contact information current and accurate.

If your email address, phone number, or mailing address changes, you should promptly notify the lender, lending partner, or service provider with whom you are doing business.

Your Ability to Access Electronic Disclosures

By submitting your information through this website, you confirm that:

• You have access to the hardware and software described above.
• You can receive and review electronic communications.
• You can download and print electronic disclosures if desired.

Consent

By clicking any button indicating acceptance, submission, continuation, or agreement on this website, you:

• Agree to receive disclosures electronically.
• Consent to electronic signatures.
• Consent to conducting business electronically.
• Acknowledge that electronic records satisfy any legal requirement for written documentation.
• Confirm that you have read and understood this E-Consent.

Changes to this E-Consent

LoanHorizonX reserves the right to modify this E-Consent at any time. Any changes will become effective immediately upon posting on this website.

Continued use of the website following any changes constitutes acceptance of the updated E-Consent.

Contact Information

If you have questions regarding this E-Consent, please contact:

Email: support@loanhorizonx.com