Introduction
This Electronic Records Disclosure, Consent and Agreement to Use Electronic Signatures Agreement (“Agreement”) allows us to provide you with electronic versions of important notices and documents associated with the application, opening, and servicing of an account with "Dealer" and/or RTO Finance LLC (“RTOF”). Certain laws and regulations require us to provide notices and disclosures to you in “writing” (traditionally this is defined as a paper notice). We may provide documents to you electronically and you may use an electronic signature in lieu of signing a paper document, if you consent after we have provided you with the information contained in this Agreement.
Definitions
The words “we,” “our,” and “us” mean Dealer and RTOF, their affiliates, successors, and assigns. The words “you” and “your” mean each applicant, account owner and anyone else with access to the account. If there is more than one owner, then these words mean each account owner separately, and all account owners jointly. “Access Device” means any electronic device you use to access your account and view electronic documents. This includes, but is not limited to: a traditional computer such as a desktop or laptop computer; or a mobile device such as a tablet computer or a smartphone.
Your Consent to Use Electronic Signature
By signing this Agreement, you consent to use your electronic signature to sign any document or communication with us. You understand that your electronic signature is legally binding, just as if you had signed a paper document.
Scope of this Agreement
This Agreement applies to all disclosures, notices, and terms and conditions related to an application for an account with Dealer and RTOF, including any Adverse Action Notices, as well as any disclosures or notices required in your contract and in the servicing of your account, including, but not limited to Privacy Notices, receipts, default notices and account statements. This consent will remain effective through the account application process and servicing of your account and until expressly withdrawn by you. Your consent does not mean that we must provide documents to you electronically but instead that we may deliver some or all of those documents electronically.
Electronic Delivery of Documents
Electronic documents will be delivered to you in an Adobe Acrobat .pdf document. You must download and open the electronic documents to proceed with your application and execute your contract electronically. You are strongly encouraged to save or print the documentation for future reference.
Requesting Paper Copies of Documents Presented Electronically
You agree and understand that paper versions of electronically presented documents may not be mailed unless you specifically request it. To request a paper copy of any disclosure, notice, or other document, contact us at (866) 983-6900. Copies of disclosures and account documents, including your contract will be mailed at no charge.
System Requirements
By consenting to this Agreement, you confirm that your Access Device meets the minimum specifications and requirements necessary to view and retain your electronic documents, as described below:
To access your electronic documents, you will need:
- Either a mobile device with any of the following operating systems: Android or iOS (iPhone) with an up-to-date mobile internet browser, accessing the internet through a mobile data plan or WiFi, that is compatible with, and supported by, your operating system (e.g., Chrome or Safari) OR a computer with any of the following operating systems: Windows XP or higher, macOS (Apple Macintosh) or higher with an internet connection and an up-to-date internet browser that is compatible with, and supported by, your operating system (e.g., Edge, Firefox, Google Chrome, or Safari).
- Software that accurately reads and displays .pdf files.
- A printer and/or storage device if you wish to print or retain any electronic documents.
Changes to system requirements
We will notify you if our hardware or software requirements change and whether that change creates a material risk that you would not be able to access or retain your electronic documents.
Maintaining a Valid Email Address
It is important that you maintain a valid email address so that we may contact you regarding your account. You agree to maintain a valid email address and promptly notify us of any changes to your email address. You may update your email address by contacting us at (866) 983-6900.
Withdrawal of Your Consent
You may withdraw your consent to this Agreement at any time. To withdraw your consent prior to completing your application, simply exit this session prior to accepting this Agreement. If you withdraw your consent, you will not be able to proceed electronically. To withdraw your consent after you have already submitted your application, you must send your request in writing to P.O. Box 9789 Greenville, SC 29604.
Multiple Access Devices
By viewing and accepting this Agreement on any Access Device, you are reasonably demonstrating your ability to access and view electronic documents in the format that the services are provided on that Access Device and all subsequent Access Devices. If you change Access Devices (or use multiple Access Devices), it is your responsibility to ensure that the new Access Device meets the applicable system requirements above and that you are still able to access and view electronic documents on the subsequent Access Device.
Acceptance
You acknowledge your acceptance of these terms by clicking Apply For Credit. In doing so, you are confirming that you meet the system requirements described above, that you have demonstrated your ability to receive, retain, and view electronic documents on your Access Device, and that you have an active and valid email address.