This Electronic Signature and Electronic Records Disclosure and Consent ("E-Sign Consent") applies to all communications, disclosures, notices, agreements, and other records (collectively, "Records") that Patriot Home Refi, its affiliates, and its lending and marketing partners ("we," "us," or "our") may provide to you in connection with your inquiry or any related loan product.
1. Consent to Electronic Records
By checking the consent box on our website and submitting your request, you agree that we may provide all Records to you in electronic form, including by email, text message, or by posting them on our website, instead of on paper.
2. Scope of Consent
Your consent applies to all Records related to your inquiry, application, and any loan products you may pursue with our lending partners, including but not limited to: privacy notices, disclosures required under the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), and other federal or state laws.
3. Hardware and Software Requirements
To access and retain electronic Records, you will need:
- A computer or mobile device with internet access.
- A current version of a supported web browser (Chrome, Safari, Edge, or Firefox).
- A valid email address and the ability to receive and open PDF attachments.
- Sufficient storage space to save Records or a printer to print them.
4. Paper Copies
You may request a paper copy of any Record we provide electronically by contacting us through our website. We may charge a reasonable fee for paper copies unless prohibited by law.
5. Withdrawing Your Consent
You may withdraw your consent to receive electronic Records at any time by contacting us. Withdrawing consent will not affect the legal effectiveness of Records provided electronically before we receive your withdrawal, but it may delay or prevent us from processing your inquiry.
6. Updating Your Contact Information
You are responsible for keeping your email address and other contact information current with us. You may update your information by contacting us through our website.
7. Acknowledgment
By checking the consent box on our website, you acknowledge that you have read, understand, and agree to be bound by this E-Sign Consent, that you have the hardware and software described above, and that you can access and retain electronic Records.