E-Consent Policy

When you submit a loan inquiry through Creditus Loan, the third-party lenders and lending partners in our network are required by law to obtain your explicit consent before conducting loan transactions electronically. This document explains what you are agreeing to, what rights you retain, and what technical requirements must be met to use our platform.

By agreeing to our terms and proceeding with an application, you acknowledge that you have read and understood this E-Consent Policy, and that you agree to execute loan-related transactions using electronic means — including electronic signatures, electronic records, and electronically delivered disclosures (collectively, "Disclosures").

This E-Consent applies to all electronic interactions between you and any third-party lender or lending partner you are connected with through Creditus Loan — whether those interactions occur on a desktop computer, mobile device, tablet, or any other internet-connected device.

By agreeing to this policy, the connected lender or lending partner is authorized to manage all aspects of your loan transaction electronically. This includes:

• Delivering all legally required loan agreements, notices, and disclosures electronically — via our platform, the lender's website, or email.
• Accepting electronically signed loan documents in place of traditionally signed paper contracts.
• Maintaining electronic records of all loan-related communications and agreements.

You have the right to request paper copies of any Disclosures at any time, free of charge. To exercise this right, simply contact the third-party lender or lending partner you have been matched with directly after receiving your loan offer. Lenders are legally required to retain all Disclosures for the period mandated by applicable federal and state law.

Requesting paper copies does not constitute a withdrawal of your E-Consent, nor does it affect the validity of any previously executed electronic agreements.

To access, read, and retain electronic Disclosures, your device must meet the following minimum requirements:

If you have questions about whether your device meets these requirements, please contact the lender or lending partner directly, or reach us at support@creditusloan.com.

Your E-Consent for the purpose of the initial loan inquiry submitted through Creditus Loan cannot be withdrawn, as it is a one-time transaction completed at the point of submission. Once you have been connected with a lender or lending partner, however, you may withdraw your E-Consent at any time — at no cost — by contacting that lender or lending partner directly.

Please note the following important considerations before withdrawing consent:

• Withdrawing E-Consent before a loan is finalized may prevent you from completing your loan transaction with that lender online.
• Withdrawal does not retroactively invalidate any prior electronic Disclosures or agreements that have already been executed.
• Some lenders may not be able to serve you through paper-only channels, which could limit your loan options.

It is your responsibility to ensure your email address and mailing address remain current with any lender or lending partner you are working with. Outdated contact information can result in missed loan notices, payment reminders, or required disclosures.

You may update your contact details by logging into the lender's platform directly or by submitting a written update to their customer service team. Keeping your information accurate helps protect you throughout the life of your loan.

By proceeding with a loan application through Creditus Loan, you confirm and acknowledge the following:

• You have read and fully understand this E-Consent Policy.
• You agree to use electronic signatures for all loan-related documents.
• You consent to receiving all required disclosures and notices electronically.
• You understand that you may request paper copies of any electronic records at no cost.
• You acknowledge that declining electronic transactions may prevent you from completing a loan online with certain lenders.