Electronic Communications Consent

Under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq., commonly called the "E-Sign Act") and related state laws, certain disclosures and communications must be provided to consumers in writing on paper unless the consumer provides affirmative consent to receive them electronically.

This page explains what you are consenting to when you submit our form, what records you may receive electronically, your rights to withdraw consent, and the technical requirements needed to access electronic records.

When you provide consent on Lendifi.io, you agree to receive the following types of records and communications electronically:

• Loan request acknowledgments: confirmations that we have received your loan request and are processing it
• Lender connection notifications: information about which lender(s) we have connected you with
• Loan offers, terms, and disclosures from lenders to whom we connect you, including Truth in Lending Act (TILA) disclosures, APR, fees, and other regulated loan information
• Marketing communications about loan and credit-related products and services from Lendifi.io and our partners (subject to your right to opt out)
• Updates to our Privacy Policy, Terms of Service, or other legal agreements
• Account-related notices if you create an account or sign up for any service
• Identity verification communications including SMS verification codes, email verifications, and any other security-related messages
• Customer service communications in response to your inquiries
• Required state and federal disclosures related to financial products and services
• Tax forms or other regulatory documents if applicable to any relationship you establish with us

This consent applies to communications from Lendifi.io (Apex Lead Group LLC) and may also extend to communications from lender partners and other third parties to whom we connect you, subject to those parties' own electronic communications policies.

We may deliver electronic records to you in any of the following ways:

• Email sent to the email address you provided on our form
• SMS / text message sent to the phone number you provided
• On-screen display when you interact with our website
• Web pages on lendifi.io or partner websites that you can access via direct link
• Downloadable documents (typically PDF format) provided via email attachment or download link
• In-app notifications if you use any future Lendifi mobile application

It is your responsibility to ensure that the email address and phone number you provided are accurate, current, and accessible to you, and to notify us promptly if either changes.

To access, view, and retain the electronic records and communications we provide, you will need:

If our hardware or software requirements change in a way that creates a material risk that you may not be able to access or retain electronic records covered by your consent, we will notify you and give you the opportunity to withdraw your consent without penalty.

You may request that any record we have provided to you electronically be provided in paper form, free of charge, by contacting us at legal@lendifi.io. Please specify which document(s) you would like to receive in paper form.

Requesting a paper copy of a specific document does NOT automatically withdraw your consent to receive other documents electronically. To withdraw consent entirely, see Section 6.

You have the right to withdraw your consent to receive electronic records and communications at any time. To withdraw your consent, contact us:

• Email: legal@lendifi.io with subject line "Withdraw E-Consent"
• Postal mail: Apex Lead Group LLC, Utah, United States

Please include your full name and the email address and/or phone number associated with your loan request so we can locate your information.

Consequences of withdrawing consent:

• We will stop sending you electronic records and instead provide them by U.S. postal mail (where required and feasible)
• We may no longer be able to provide certain services that rely on electronic delivery, including some online loan comparison and matching features
• Withdrawal of consent is effective only after we have had a reasonable opportunity to process your request (typically within 10 business days)
• Withdrawal does not affect the legal validity or enforceability of records you received electronically before withdrawal

There is no fee to withdraw your consent.

It is important that we have your current contact information to deliver electronic records to you. You must promptly notify us if your email address or phone number changes.

To update your contact information, email legal@lendifi.io with your old and new contact details, or follow the update instructions in any communication you receive from us.

If we are unable to deliver electronic communications to you because your email address or phone number is invalid, outdated, or full, this does not invalidate the legal effect of those records.

By providing your consent and using our service, you acknowledge and agree that:

• Electronic records and communications have the same legal effect as paper records and communications
• Electronic signatures, including clicking buttons such as "Continue," "I Agree," "Submit," or "Get my offers," have the same legal effect as handwritten signatures on paper
• Records we maintain electronically are admissible in legal proceedings as evidence of the transactions, communications, and agreements they describe
• You are responsible for downloading or printing records for your files if you wish to retain a copy

By submitting any form on Lendifi.io, you confirm that:

• You have read and understood this Electronic Communications Consent
• You can access this consent in the electronic form in which it is provided (you are reading it now)
• You have the hardware, software, and capability described in Section 4 above
• You can download, print, or save this consent and any other records we provide electronically
• You are providing your consent freely and voluntarily
• You are at least 18 years of age and legally able to enter into binding agreements

If you have questions about this E-Consent disclosure, your rights, or how to access electronic records, please contact us:

• Email: legal@lendifi.io
• General inquiries: hello@lendifi.io
• Mail: Apex Lead Group LLC, Utah, United States

We will respond to all reasonable inquiries within a reasonable timeframe, typically within 10 business days.