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Consent to Electronic Records and Communications

This page explains how the Payactiv Apps website provides information electronically, and how that differs from any electronic consent requested by third-party application providers.

Last updated:
Effective date:
On this page
  1. 01. Electronic Communications and Disclosures
  2. 02. Scope of Electronic Consent
  3. 03. Electronic Records and Signatures
  4. 04. Hardware and Software Requirements
  5. 05. Accessing and Retaining Electronic Records
  6. 06. Paper Copies and Withdrawal of Consent
  7. 07. Third-Party Application Providers
  8. 08. Changes to Electronic Communications
  9. 09. Contact Information

01. Electronic Communications and Disclosures

Payactiv Apps is an online service. Our policies, disclosures, and other information are published on this website, and when you contact us by email, we reply by email.

This page describes how electronic records and communications work on this website. It is an informational disclosure. Payactiv Apps does not ask you to sign or accept an electronic consent agreement to browse the website or read its content.

If you start an online application, the third-party application provider may ask for your consent to receive records and communications electronically. That consent is requested and recorded by the provider within its application flow. This page does not replace, and is not a substitute for, any consent that a provider or lender is required to obtain. See Section 07.

02. Scope of Electronic Consent

This page applies to information that Payactiv Apps makes available electronically, including:

  • policies and disclosures published on this website, such as our Terms of Use, Privacy Policy, Advertiser Disclosure, and this page;
  • information shown on website pages, including guides, rate information, and tools; and
  • email replies we send when you contact us.

It does not cover records, disclosures, or communications from third-party application providers, lending networks, or lenders, such as loan offers, loan agreements, credit decision notices, or payment communications. Those companies provide them under their own consent terms.

03. Electronic Records and Signatures

The federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and similar state laws generally allow records and signatures to be provided in electronic form, and give them legal effect when the requirements of those laws are met.

Payactiv Apps does not collect electronic signatures on this website. If you sign or agree to anything electronically during an application, you do so with the third-party provider or lender, under the terms they present to you.

04. Hardware and Software Requirements

To view and keep the information this website provides electronically, you need:

  • a device with internet access, such as a computer, tablet, or smartphone;
  • a current web browser that can display web pages, with JavaScript enabled for interactive features such as our calculators and the privacy choices switch;
  • a way to print pages or save them to your device, if you want to keep a copy; and
  • an email account, if you want to communicate with us by email.

Third-party application providers may have their own requirements, which they describe in their application or consent disclosures.

05. Accessing and Retaining Electronic Records

Documents published on this website are available at their web addresses for as long as they remain published. Each policy shows a “Last updated” date. Because we may update or replace documents over time, print the page or save a copy with your browser when you read it if you want to keep a particular version.

Keep copies of emails you exchange with us in your email account. For records from an application provider or lender, follow the instructions that company provides.

06. Paper Copies and Withdrawal of Consent

Paper copies

You can print any page of this website from your browser. If you cannot print or save a document and need a copy, contact us using the information in Section 09 and tell us which document you need.

Withdrawal of consent

Because Payactiv Apps does not obtain a separate electronic consent from you on this website, there is no website consent to withdraw. You can stop using the website at any time, and you can tell us if you prefer not to receive further email from us.

If you gave electronic consent to a third-party application provider or lender, contact that company to ask about paper copies or to withdraw that consent. Its consent disclosure explains how to do so and whether any fees or consequences apply.

07. Third-Party Application Providers

The online application on our Apply page is operated by an independent third-party provider. During the application, the provider may present its own electronic records disclosure and ask for your consent to receive records and communications electronically. It may also ask for separate consent to contact you by phone, text message, or email.

Those consents are between you and the provider, and any lenders that receive your information through it. They govern the records and communications you receive from those companies. Payactiv Apps does not control the provider’s consent terms or communications. Read any consent language in the application carefully before you agree.

08. Changes to Electronic Communications

We may update this page, for example if the way we provide information electronically changes. When we do, we will update the “Last updated” date at the top of this page. If a change affects your ability to access or keep records that we are required to provide to you, we will give notice as required by applicable law.

09. Contact Information

If you have questions about this page or need help accessing a document on this website, contact us:

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