Please read this information carefully and print a copy and/or retain this information electronically for future reference.
Your E-Sign Consent. You are submitting a request for a loan transaction from Kora Financial Inc. (“Kora”) and its affiliate loan originator and servicer, Westbon Inc. (the "Lender"). The Lender’s platform operates primarily on the internet, to provide services online, the Lender needs your consent to use and accept electronic signatures and records ("Your E-Sign Consent"). By clicking“I read, understand, and consent to:”, you acknowledge that you received this E-Sign Consent and you have provided your E-Sign Consent to the Lender. You agree that the Lender may provide electronically any and all communications concerning their decisions on any application you submit, the terms of any loan agreement or extension of credit, privacy policies, other disclosures provided by the Lender under state and federal law, and any other information or notices the Lender provide (collectively "Documents"). The Documents may include, for example, disclosures pursuant to: (1) the Equal Credit Opportunity Act and Regulation B; (2) the Fair Credit Reporting Act; (3) the Truth in Lending Act and Regulation Z; (4) the Electronic Funds Transfer Act and Regulation E; (5) the Gramm-Leach-Bliley Act and the FTC Privacy Rule; and (6) any other applicable federal, state or local law or regulation.
Option for Paper or Non-Electronic Records. You have the option to receive any information that is provided electronically on paper or in non-electronic form at no cost to you. You may obtain any Documents in non-electronic paper form by logging in and simply printing a paper copy. Alternatively, you may mail a written request to the Lender's location, 500 W. Madison St. Suite 1000, Chicago, IL 60661 or you may send your request by email to email@example.com. The Lender will retain all Documents as required by applicable law. The Lender also reserves the right to provide Documents to you in paper form at our discretion including, for example, if the Lender receives an email bounce back when sending you documentation.
Scope of Consent. Your E-Sign Consent applies to any application, any services provided by the Lender, any extension of credit from the Lender and any future applications or transactions with the Lender. The E-Sign Consent also includes any interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising Your E-Sign Consent, the Lender will process your application information and interact during this transaction and any future online transaction with you electronically. The Lender may also send the Documents electronically.
Hardware and Software. Before you decide to do business electronically with the Lender, you should consider whether you have the required hardware and software capabilities described. To electronically access and retain the Documents, you must have the following hardware and software: A PC or MAC compatible computer or other device capable of accessing the Internet and an Internet Browser software program that supports at least 128 bit encryption, such as Netscape® 4.0, Mozilla Firefox® 1.5, Microsoft Internet Explorer® 4.0, AOL 5.0 or any later version of these programs, and Adobe® Acrobat Reader Pdf ® or Foxit®. You also need either a printer, a secure hard drive, or other secure storage device to retain a copy of the Documents for future reference. If at any time during this transaction these requirements change in a way that creates a material risk that you may not be able to receive Documents electronically, the Lender as is appropriate, will notify you of these changes. For questions regarding the hardware and software requirements, you may send your written questions by mail to 500 W. Madison St. Suite 1000, Chicago, IL 60661 or by email to firstname.lastname@example.org.
Withdrawing Consent. You may withdraw your E-Sign Consent at any time and at no charge. Before submitting your Application, you may withdraw your E-Sign Consent by exiting this website. If you withdraw your E-Sign Consent before concluding a transaction, this will prevent you from obtaining an online loan transaction from the Lender. If at any time you wish to withdraw Your E-Sign Consent, you can send the Lender your written request by mail to 500 W. Madison St. Suite 1000, Chicago, IL 60661 or by email to email@example.com. If you decide to withdraw your E-Sign Consent, the legal effectiveness, validity, and enforceability of prior electronic Documents will not be affected.
Email. You agree that any email address you provide the Lender may be used to provide you with Documents . You agree to notify the Lender of any changes in your email address by sending the Lender written notification by mail to 500 W. Madison St. Suite 1000, Chicago, IL 60661 or by email to firstname.lastname@example.org. Please send notification at least FIVE (5) days before the change. In the body of your written notification/email you must state: your previous email address and your new email address.
BY CLICKING ON "I read, understand, and consent to:" ALONG WITH OTHER LINKS, YOU ASSENT TO OUR TERMS, YOU ACKNOWLEDGE THAT YOU: (1) HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THIS CONSENT; (2) ACKNOWLEDGE THAT YOU CAN ACCESS THE DOCUMENTS IN THE DESIGNATED FORMATS DESCRIBED ABOVE (ONCE YOU GIVE YOUR E-SIGN CONSENT, YOU CAN SIGN IN TO THE WEBSITE TO ACCESS THESE DOCUMENTS); (3) ACKNOWLEDGE THAT YOUR E-SIGN CONSENT TO ELECTRONIC DOCUMENTS IS REQUIRED TO OBTAIN SERVICES WITH THE LENDER OVER THE INTERNET, AND TO OBTAIN AN EXTENSION OF CREDIT FROM LENDER OVER THE INTERNET; (4) CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DOCUMENTS PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND DOING BUSINESS WITH THE LENDER ELECTRONICALLY; AND (5) ACKNOWLEDGE THAT YOU MAY REQUEST A NON-ELECTRONIC PAPER COPY OF THE ELECTRONIC RECORDS AND DOCUMENTS, WHICH THE LENDER WILL PROVIDE TO YOU AT NO CHARGE. IF YOU DO NOT CLICK ON "I read, understand, and consent to:" OR OTHERWISE REFRAIN FROM PROCEEDING WITH THE TRANSACTION, THEN YOU DO NOT WISH TO USE ELECTRONIC SIGNATURES OR CONDUCT THIS TRANSACTION ELECTRONICALLY.