Electronic Consent Policy

By proceeding with this Application, you (the “Applicant”) agree to the terms expressed here, as they relate to submitting an Application, accepting and reviewing the legal disclosures, and agreeing to any other terms that may be required by Tremus, Inc. doing business as SelfScore (together with our affiliates, successors, and assigns “SelfScore,” “we,” “our,” “us,” or anything else to that effect).

We reserve the right to amend and update this Policy at any time, with or without notice to you. However, if the changes are material or affect your ability to access your account information, we will notify you.

SelfScore has focused on developing its program around web-based efficiencies and therefore does not offer a non-electronic Application process.

By proceeding with the Application, you agree and understand that the card terms, documents, and other related information (the “Disclosures”) associated with your Application will be provided in an electronic manner, including without limitation, by email, SMS, mobile phone notifications, presentment via the browser, pop-ups, links, plain text, or any other reasonable method.

Your Consent to Receiving Electronic Documents
We must receive your consent in order to provide our Disclosures to you electronically. Before you decide to proceed with the Application, please review this information to be sure you understand your rights and the terms under which we do business. You will indicate your consent by acknowledging, within the Application, that you agree to receive electronic Disclosures and that you have the ability to review and retain them. Additionally, we reserve the right to send paper documents, but doing so will not negate your consent or require us to send paper documents at any other time in the future.

Withdrawal of Consent
If, at any time, you decide to withdraw your consent, you may do so by calling us at 800.418.7353. You will need to provide us with your name, address, email address, and phone number associated with your Application. By withdrawing your consent to receive electronic Disclosures, you agree and understand that your Application will be completely withdrawn and will no longer be considered for approval.

Disclosures We Will Provide Electronically
We will provide all of your Disclosures electronically throughout and after the entire Application process. This will include all of the Disclosures you are entitled to receive up until the account is open (if approved):
– Website/Application Terms of Use
– Privacy Policy and Notice
– Card Terms & Conditions and Cardholder Agreements
– Federal and State Disclosures or Notices
– Monthly Statements (if an account is opened)
– Adverse Action or Incomplete Notices
– SelfScore Policies
– Monthly Account Statements
– Tax Documents
– Any other information we provide

Retaining Your Documents
You will need a printer or long-term storage device, such as your computer’s disk drive, to retain the Disclosures we provide during this process. We strongly encourage you to print or save the Disclosures for your records and future reference.

Updating Your Contact Information
In order for us to make sure that you have access to all of the necessary information, you need to keep your Contact Information (email address, phone number, address, and any other information necessary to contact you) current with SelfScore. To update your Contact Information, please call SelfScore at 800.418.7353 or log into your Account and follow the procedures indicated in your account settings.

If you fail to provide current Contact Information, you will not hold SelfScore liable for any loss or damage that results.

Hardware and Software Requirements
Electronic Disclosures will be provided throughout the Application and decisioning process. Since you are accessing these documents, forms, and pages through the internet, it is likely that you are already using all the hardware and software that you need in order to meet these requirements.

In order to receive, consent, and agree with the Disclosures we provide, you will need the following:
– A computing device such as a desktop, laptop, tablet, mobile phone or similar computing device
– A connection to the internet with a modem or other method of access (e.g. public access)
– A contract with an Internet Service Provider (“ISP”) in order to connect to the internet
– Internet browser software such as Mozilla Firefox, Google Chrome, or Apple Safari to access these Disclosures
– Your internet browser software must be able to use 256-bit encryption to enable Secure Sockets Layer (SSL)

This eConsent Policy is effective September 22, 2015