Disclosure

CONSENT TO RECEIVE ELECTRONIC DISCLOSURES AND COMMUNICATIONS

PLEASE PRINT AND RETAIN A COPY OF THIS CONSENT AGREEMENT FOR YOUR RECORDS.

You are submitting a request to be connected with third party lenders and other providers of good and services. To process your request optimalplo.com (“Optimal Personal Loans”); and these third party lenders to process your loan and/or providers of other goods and services, may be required by law to provide you with certain communications, notices, disclosures, information and other materials ("Disclosures and Communications"). These third party lenders must obtain your consent in order to provide you with these Disclosures and Communications electronically.

1. CONSUMER CONSENT. By submitting your request to be connected with lenders and/or other service providers, you affirmatively consent and agree to receive all Disclosures and Communications required under law electronically. These Disclosures and Communications may be delivered to you via email or online at the website of the third party lender and/or other service providers. You further affirmatively consent that your electronic signature on agreements and documents has the same effect as if you signed them in ink.

2. SCOPE OF CONSENT. You consents provided in Section 1 to receive Disclosures and Communications and to do business electronically applies to your request to optimalplo.com to be connected with third party lenders and to those third party lenders and/or other providers of goods and services. Your consents also apply to all online interactions between you and the third party lenders and/or providers of good and services, including their service providers, including those conducted via mobile devices (including text message or recorded calls).

3. WHAT YOU NEED - HARDWARE AND SOFTWARE REQUIREMENTS. In order to access and retain the Communications electronically, you will need the following:

  • A computer with access to internet, a working email address
  • A printer or the ability to print the Communications
  • Long term storage device (such as your computer's disk drive) to retain a copy of the Communications

4. REQUESTING PAPER RECORDS.You may request paper copies of any Disclosures and Communications by contacting the third party lender directly. Your lender may provide paper copies to you by request, some lenders may require a charge for these copies and some may not. Their contact information can be found on their website.

5. WITHDRAWING YOUR CONSENT. Because your consent may be required in order for some third party lenders and/or providers of good and services to respond to your connecting request and return a quote, your consent may not be withdrawn during the connecting process. However, if you are connected with one or more third party lenders and/or providers of products and services, you may withdraw your consent to do business electronically directly with those third party lender and/or third party product and service providers.

6. CONTACT INFORMATION. You should keep third party lenders and/or provider of good and services informed of any changes to your contact information. You may update such information by logging into the third party’s website or by sending the lender a written update by mail.

7. LEGAL EFFECT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER AND/OR PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS AND/OR PROVIDERS OVER THE INTERNET.

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Important Disclaimers and Disclosures

IMPORTANT: The Operator of this website is not a lender, financial institution, loan broker or an agent of a lender or loan broker and does not make any credit decisions. You may not qualify with any lender for any loan amount, or you may qualify with a lender for an amount that is much lower than what you are seeking. This service, which connects consumers with eligible third party lenders, is free to consumers. This service does, however, receive payment from lenders for referring lead data to them. Although multiple factors dictate the order in which lenders have the opportunity to purchase a lead, the highest bidding lender will most often get the opportunity. Lenders may perform credit checks through any credit reporting bureau and may also verify the information that you provide on this form including social security number, address, phone number, employment history, bank account information etc. Information may be shared with non-lenders or other intermediary service providers (like us) to help you connect with a lender. This service works with many different kinds of lending partners, including tribal lending institutions. Federally recognized Indian tribes are independent sovereign nations and their wholly owned entities are generally not required to follow state and local laws regarding rates, fees and other loan related conditions. However, Indian tribes and their wholly owned entities are required to follow some applicable federal laws. If you are connected with a tribal entity, be sure to check their rates as they may carry higher interest rates when compared to state-licensed lenders. The Truth in Lending Act requires lenders to disclose rates, fees and other important conditions of a loan. After checking the terms, make a determination of whether or not you can afford the payments. We earnestly encourage you to reject any offer that is not within your financial means. Short-term, small-dollar loans are not a long term solution to financial hardship. You may also consider seeking professional advice regarding your financial circumstances and alternatives to loan products. Late payments of loans may result in additional fees or collection activities, or both. Each lender has its own terms and conditions. Please familiarize yourself with your lender’s policies for further information. Additionally, failure to repay your loan may carry nonpayment penalties and collection activities. Please review nonpayment terms with your lender directly. Every lender has a different renewal policy please review your particular lender’s renewal policy for more information.

State Availability: Lenders that participate in the services provided by this website do not offer loans in every state. If you are from a state that the lenders do not service, you will not be able to be connected to a lender. Our service does not constitute an offer or solicitation for any loan products that are prohibited by state law. Additionally, this is not a solicitation for any particular loan and is not a loan offer.

Advertiser Disclosure: This website offers a 100% free service that connects consumers with third-party lenders and partners. While this is a free service to consumers, third-party lenders or partners may provide the operator of this website with a referral fee for referring consumers to them.