E-Consent Disclosure

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E-CONSENT DISCLOSURE

At ProvideLoan.com, we provide electronic disclosures, records, and signatures to facilitate transactions between consumers and lenders. By using our platform, you agree to receive electronic communications in place of paper documents. This disclosure outlines your rights and obligations regarding electronic transactions and e-consent.

1. Consent to Electronic Transactions

By submitting your information, you expressly consent to:

  • Receive electronic disclosures, notices, and communications related to loan inquiries, approvals, and transactions.
  • Sign agreements electronically in compliance with the E-SIGN Act.
  • Allow lenders and financial service providers to provide required documents digitally.

Acknowledgment Requirement: Before proceeding with any transaction, you must actively check a box or provide digital acknowledgment confirming that you have read and agree to this E-Consent Disclosure.

Third-Party Lenders' E-Consent: Some lenders may require separate e-consent agreements. ProvideLoan.com is not responsible for a lender's e-signature policies, and users must review each lender's terms before proceeding.

2. Right to Receive Paper Copies

You may request a paper copy of any electronically provided document by contacting us at:

ProvideLoan.com
1312 17th Street, Unit 1582
Denver, Colorado 80202
Email: support@provideloan.com

Requests for paper copies will not revoke your prior e-consent, and a reasonable fee may apply.

3. Right to Withdraw Consent

You have the right to withdraw your e-consent at any time by notifying us in writing. However, withdrawing consent may:

  • Prevent you from completing transactions with participating lenders electronically.
  • Require you to submit loan applications and receive disclosures in paper form.

Processing time for withdrawal requests is up to 10 business days.

4. Updating Your Contact Information

To continue receiving electronic communications, it is your responsibility to keep your email address and phone number updated. If your contact information changes, notify us immediately using the details provided above.

5. Hardware and Software Requirements

To access and retain electronic records, you must have:

  • A device with internet access (computer, tablet, smartphone).
  • A web browser that supports secure encryption.
  • A valid email account to receive communications.
  • Software to open PDF documents (e.g., Adobe Acrobat Reader).
  • A printer or storage device if you choose to retain copies.

If technology requirements change, we will notify you and provide an opportunity to withdraw consent.

6. Governing Law & Acceptance

This E-Consent Disclosure is governed by the E-SIGN Act and applicable federal and state laws. By submitting your information and checking the acknowledgment box, you confirm that you:

  • Have read and understand this E-Consent Disclosure.
  • Agree to conduct transactions electronically with ProvideLoan.com and third-party lenders.
  • Acknowledge that lenders may have additional e-consent requirements.

If you do not agree to these terms, do not proceed with submitting your information on this website.

For questions or assistance, contact us using the information above.

1. Lending Guarantee Disclaimer

ProvideLoan.com is a marketing and lead generation platform, not a direct lender, and disclaims liability for third-party actions. Users must evaluate lenders independently.

2. Affiliate Disclosure

ProvideLoan.com receives compensation for referring loan inquiries ("leads") and that this compensation may influence offer appearance. It clarifies that inclusion of lenders does not constitute endorsement.

3. Earnings and Results Disclaimer

Loan approval, interest rates, and financial outcomes are not guaranteed. All terms are determined by participating lenders.

4. TCPA Consent Disclaimer

By submitting information, users consent to be contacted by ProvideLoan.com and its partners for marketing and servicing purposes via various communication methods (phone, SMS, email), including automated systems. Consent includes recurring and telemarketing messages, with opt-out instructions available.

5. Third-Party Liability Disclaimer

ProvideLoan.com is not responsible for the products, services, or actions of third-party lenders, including loan denials, repayment terms, fees, or collection activities.

6. Regulatory Compliance Disclaimer

Operation in accordance with federal and state laws, but clarifies that the information provided is for informational purposes only and does not constitute legal, financial, or professional advice.

Consumer Risk Disclosure:

Financial risks associated with short-term and installment loans, including high interest rates, additional fees, and negative credit score impacts. Advises careful review of terms.

APR Variation Notice:

Annual Percentage Rates (APRs) typically range from 5.99% to 35.99% but can vary based on lender policies, state regulations, creditworthiness, and loan terms.

7. Privacy Disclaimer

Adherence to the Fair Credit Reporting Act (FCRA) and Truth in Lending Act (TILA), ensuring secure processing and sharing of information with participating lenders.

8. Marketing and Lead Generation Practices Disclosure

User information (name, contact details, loan preferences) may be shared with third-party marketing partners for offers, with opt-out options available.

9. Session Recording Notice

Use of Microsoft Clarity for recording user sessions for analytics, fraud prevention, and site improvement, clarifying that session data is not used for marketing or resale.

10. Not a Lender Disclosure

ProvideLoan.com is not a lender, does not make credit decisions, and does not offer loans directly.

11. State Restrictions

Loans and services may not be available in all states, specifically listing New York, California, West Virginia, and Arkansas as states where they are not currently operating.

12. Accessibility

Commitment to website accessibility. Contact: support@provideloan.com

13. California and Colorado Residents

Right to request access, deletion, or opt-out of the sale/sharing of personal information. Do Not Sell or Share My Info | Contact: privacy@provideloan.com

14. Industry Best Practices

Adherence to Online Lenders Alliance (OLA) Best Practices and an intention to pursue formal OLA membership.

15. Consumer Complaints

Contact: support@provideloan.com | Goal to respond within 30 days. Agreement to electronic documents and signatures, with option to withdraw consent.

Last Updated: July 15, 2025