Electronic Consent Agreement
Consent and Agreement to Conduct Transactions Electronically
Electronic Signature and Adoption
By accepting this Agreement, you consent and agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act or action while using any electronic service we offer or in accessing or making any transactions regarding any documents and disclosures constitutes your signature as if actually signed by you in writing ("electronic signature" or "E-Consent"). In some cases your electronic signature may be represented by your type written name or initials electronically placed on the documents and disclosures by means of the process described herein. Your electronic signature, whether expressed by process or symbolically or both, is hereby adopted by you and represents your intent to acknowledge receipt or sign, as applicable, the documents and disclosures and that your electronic signatures are thereby attached to, and logically associated with, the documents and disclosures. Further, you agree that no certification authority or other third party verification is necessary to the validity of your electronic signature and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract.
Electronic Delivery
By accepting the terms of this E-Consent, you agree to receive all documents and all disclosures to you electronically by e-mail (or a link set forth in an e-mail), online posting at an online location designated by us, or Portable Document Format ("PDF") files such as Adobe Acrobat Reader. The documents and disclosures may be provided by us to you directly or by a third party service provider.
Consent Coverage; Written Notices From You Are Not Covered
Applicable law or contracts sometimes require you to give us "written" notices, and this Agreement does not relate to those items. In order to coordinate our processing, you must still provide us with written notices on paper when required by prevailing law.
Electronic or Paper Communications
Receiving the documents and disclosures electronically is an option. You may choose not to receive documents and disclosures electronically. However, due to the time sensitive nature of the transactions considered herein, certain transactions and options may not be available if you choose not to receive documents and disclosures electronically. We will notify you at the time of the request if such limitations are created by your request. Withdrawing your consent to receive all documents and disclosures electronically is addressed in the section of this Agreement entitled "Withdrawing Consent". If you choose not to receive the documents and disclosures electronically or do not complete the entire consent and signing process, the documents and disclosures will be provided in paper form for a fee not to exceed $1.00 per page. If you choose not to receive documents and disclosures electronically and you have not previously withdrawn consent, you have the right to change your mind and receive the documents and disclosures electronically for as long as the emailed invitation link we sent to you is active.
Withdrawing Consent
You have the right to withdraw your consent and agreement to receive electronic documents and disclosures at any time. Because we will provide some documents and disclosures to you electronically almost instantaneously once you have given us your consent to do business with us electronically, you will not be able to withdraw your consent relating to the documents and disclosures we have already provided to you pursuant to that consent. However, you may withdraw your consent to receive subsequent documents and disclosures electronically, in which case we will deliver all subsequent documents and disclosures to you in paper form via mail. You may withdraw your consent by contacting us at the email address listed at the top of this website. If you decide to withdraw your consent, the legal validity and enforceability of our prior electronic documents, disclosures and communications to you will not be affected.
Hardware and Software Requirements
In order to receive access and retain the documents and disclosures from us electronically, you will need the following computer software and hardware (such requirements may vary and are subject to change):
A computer is connected with an Internet Service Provider and an internet email account and email address. The definition of a computer excludes tablets and mobile devices.
A monitor with the ability to view the documents and disclosures.
Microsoft Internet Explorer version 6.0 or higher internet browser with 128 bit encryption or higher.
Adobe Acrobat Reader 5.0 or higher. If you do not have Adobe Acrobat Reader 5.0 or higher, Adobe Acrobat Reader software is available for FREE in various languages on the Adobe website (www.adobe.com).
Access to a printer that is capable of printing information displayed on your monitor or the ability to save or download files on a storage device for later reference, in order to keep copies of your documents and disclosures for your records. You will need at least 5 MB of storage space available.
If you do not have the required software and/or hardware, or if you do not wish to receive the documents and disclosures electronically from us for any other reason, do not click "Submit." If you click "Submit," this electronic signature session will be closed.
If the software or hardware requirements change in the future, and you are unable to continue receiving documents and disclosures electronically, we may mail you paper copies of documents and disclosures once you notify us that you are no longer able to access the documents and disclosures electronically because of the changed requirements. If you chose to withdraw your consent upon notification of the changes, you will be able to do so without penalty.
Documents and disclosures are not available from us electronically to you indefinitely. You are responsible for printing and/or saving a copy of all documents and disclosures provided to you electronically. If you require copies of your documents and disclosures and they are no longer available from us electronically, we will provide you copies in paper form at no cost to you upon your request to us at the email address listed at the top of this page. If the documents and disclosures contain any confidential or sensitive information such as to your application information or account information, be sure to store them in a secure environment, just as you would paper-based bank records.
Changes to Your Contact Information
You have provided us with your email address and telephone number. You agree to keep your email address current with us at all times. You agree to promptly notify us at the email listed at the top of this page if there is a change in your email address, phone number or mailing address, or in other information we need to contact you.
Unless otherwise required by law, you agree that any documents and disclosures we deliver electronically will be deemed received by you upon sending of such communication or email and electronically signed and made available to you to save or print or when sent to the most current email address you provided us. We will not assume liability for non-receipt of notification or the availability of electronic documents and disclosures in the event your email address on file is invalid, your email or Internet service provider filters the notification as "spam" or "junk mail", there is a malfunction in your computer, browser, Internet service and/or software or for any other reasons beyond our control.
Your Ability to Access Documents
By clicking "Submit" button on any electronic form provided to you by us, you acknowledge that you can access the documents and disclosures in the designated formats described above, and that the computer(s) you are using now, and will later use, meet the system requirements described above. You also acknowledge that: (a) you have been able to read this Agreement using your computer and software; (b) you have successfully printed and/or downloaded a copy of this agreement; (c) you have access to an account with an internet service provider; (d) you are able to send and receive e-mail; and (e) you are responsible for retaining copies of all documents and disclosures for your records.
Consent and Agreement
By clicking the "Submit" button on any electronic form provided to you by us, you consent to having all documents and disclosures provided or made available to you in electronic form, to the terms of this Agreement and to doing business with us electronically. You also consent and agree to the use of electronic records and electronic signatures in connection with transactions with us and specifically with regard to your travel related transactions instead of written documents and handwritten signatures.
BY CLICKING "SUBMIT" on any electronic form provided to you by us, you agree to the terms of this Agreement and choose to conduct this transaction electronically, receive the documents and disclosures electronically and be legally bound by use of your electronic signature in connection with your travel related transactions.