We are required by law to give you certain information in writing. This means you have the right to receive that information on paper. With your consent, we can provide it to you quickly and conveniently by displaying or delivering the Communications to you electronically instead, and (a) requesting that you print the Communications and retain them for your records; (b) requesting that you download the Communications and retain them for your records; or (c) storing the Communications for your future reference. THIS AGREEMENT CONTAINS IMPORTANT INFORMATION YOU ARE ENTITLED TO RECEIVE BEFORE YOU CONSENT TO ELECTRONIC DELIVERY OF COMMUNICATIONS.
In this Agreement, the following terms apply:
- “Account” means your loan, credit agreement, or financial obligations you have with us and all other products or services offered through our website.
- “Communications” means any and all documents related to an Account, product, or service that you obtain from us, including but not limited to any disclosure, notice, agreement, fee schedule, privacy policy, transaction history, response, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request.
- “Online Service” means the Volcano Builders, Inc. website and any other online account, product, or service offered through our website in which you enroll that is not otherwise governed by an electronic disclosure and consent.
- “We,” “us,” “our,” and “Volcano Builders, Inc.” mean Volcano Builders, Inc. and any affiliates or subsidiaries that provide services or products related to this Agreement.
- “You” and “your” mean the person giving this consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner, and/or service user identified on any Account, product, or service that you apply for, use, or access. The consent of any individual on an account to receive electronic Communications shall apply to all individuals on the Account.
By selecting the “I Agree” button below, you are agreeing to the following:
You agree to receive electronic Communications from us.
By accepting this Agreement, you agree to conduct Account and other transactions with us using your computer, mobile device, or any other electronic device to receive, view, and electronically sign Communications. You agree that such electronic signatures will consist of clicking on buttons and/or checking boxes where indicated. By accepting this Agreement, you consent to receiving Communications in electronic form for any Account, products, and services that you have or apply for, either now or in the future. Giving your consent does not automatically enroll you in a particular Account, product, or service. You must separately enroll for each.
We may still choose to provide you with information on paper even though you have consented to receive it electronically.
In some cases, we are not permitted by law to deliver certain Communications to you electronically. However, if the law changes in the future and permits additional Communications to be delivered electronically, this Agreement will automatically cover those Communications as well.
We may deliver electronic Communications to you in several ways.
When we deliver electronic Communications to you, we will either:
- Email them to you.
- Post them on our website.
- Present them on-screen or for download through one of our online services.
- Include them in other electronic Communications that we are delivering to you, such as electronic account statements.
- Deliver them in the manner specified in any other agreement we have with you.
If we are not emailing or presenting the information to you directly, we will tell you where you can go to view that information.
If you seek to obtain a new product, service, or account with us, we may remind you that you have already consented to receiving electronic Communications and using electronic signatures.
If you choose not to receive electronic Communications or use electronic signatures in connection with the new product, service, or account, that choice does not mean you have withdrawn your consent with respect to any other product, service, or account.
You will need some technology to receive electronic Communications.
To receive and retain electronic Communications from us, you will need the following:
- A computer or mobile device with an operating system that supports everything below.
- A connection to the internet.
- A current version of a web browser that we support (you should check the system requirements periodically for updates to supported software).
- A hard drive or other data storage unit.
- A valid, active email address.
- A current version of a program that displays PDF files.
Please keep your contact information up to date.
It is your responsibility to keep all of your contact information current so that we can send you electronic Communications. You can update your email address by editing your profile in the Update Profile section of your online account. To edit other contact information, please call Customer Service at [insert your company’s phone number], Monday – Friday, 8:00 AM – 5:00 PM, [insert your company’s time zone].
You may have the option to receive paper copies.
You may obtain paper copies of the electronic Communications by printing them with the Online Service or by contacting Volcano Builders, Inc. Customer Service at [insert your company’s phone number], Monday – Friday, 8:00 AM – 5:00 PM, [insert your company’s time zone]. There is no fee for paper copies.
You can withdraw your consent to receiving electronic Communications.
You have the right to withdraw this consent at any time. Withdrawing consent may terminate your access to the Online Services or you may lose access to certain electronic services. You may also no longer be able to use certain products. After we have processed your withdrawal, future Communications required to be in writing will be delivered to you on paper. To withdraw your consent to receiving electronic Communications, you may contact Volcano Builders, Inc. Customer Service at (206)806-1626, Monday 9:00 AM – 5:00 PM – Friday 9:00 AM – 2:00 PM, PCT. Your withdrawal of consent will become effective only after we have had a reasonable opportunity to act upon it.