Electronic Discloure 

By consenting to electronic records with unitedcredit.com via the Internet, you consent to receive certain notifications, disclosures and/or documents electronically. 

This Electronic Disclosure and Consent Agreement incorporates the Terms and Conditions and applies to the information you are providing on this site and any other communications we, our third party lenders, or any other third party affiliates discussed herein may provide to you. 

By submitting your information you agree to receive all such notifications, disclosures and/or documents in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your information by exiting the website or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. However, you may contact us or any of the third parties that we have shared your information with for purposes of one of our offers, and request no further contact. 

All notifications, disclosures and/or documents that we or any third parties provide to you in electronic format will be provided either; 

       (i)    Via E-mail. 

       (ii)   By access to a secure customer service website which will be provided to you in an e-mail notice sent to you when the   

              documents are available. 

       (iii)  By posting on this Site. 

       (iv)  By posting on a website designated for that purpose. 

All notifications, disclosures and/or documents provided in electronic or paper format from us or any third parties to you will be considered “in writing,” and you should print a copy for your records. You may obtain any notifications, disclosures and/or documents in paper form without charge from us by printing them yourself from our website or the appropriate third party website when available. To access, view and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have Internet access, sufficient electronic storage capacity, an e-mail account with an internet service provider e-mail software. 

To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that all records may be stored electronically; and that neither we nor any third parties will retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all notifications, disclosures and/or documentation. You further acknowledge and understand that all original and electronic notification, disclosures and/or documentation will be routinely destroyed, but not before the period of time designated by regulatory requirements. Records may be stored electronically via imaging, scanning, filming or other technology used for the storage of documentation via internal processes or third-party processors that we or any third parties approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. We will retain your information for as long as needed to provide you services. If you wish to request that we no longer use your information to provide you services please contact us at info@unitedcredit.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. 

By completing and submitting your information, you 

         (i)   Agree to provide us with an accurate and complete e-mail address and other required information requested on this Site. 

         (ii)  Confirm your consent to receive notifications, disclosures and/or documents in electronic format. 

         (iii) Affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form. 

         (iv) Confirm that you have provided a current e-mail address at which electronic notifications can be sent, disclosures and/or

                documents to you. 

         (v)  Acknowledge that you have accessed the Consent. 

         (vi) Agree to the terms of this Consent. 

We and any third parties, reserve the right, in our sole discretion, to discontinue electronic provision of notifications and/or documents. You will be provided with notice of any such termination or change as required by law. 

You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to 

         (i)   This Consent to receive notifications, disclosures and/or documents in electronic form.

         (ii)  The information you provide.

         (iii) Our and/or any third partie’s ability to conduct business with you by electronic means.