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CreditX Terms of Use
The CreditX Loan Portal allows you to apply for small loans online. This CreditX Loan Portal Agreement ("Agreement") governs your relationship with CreditX in connection with your online loan application.
Notice and Agreement Regarding Consent to Use Electronic Signatures and Records
To use electronic signatures and receive documents electronically in connection with your use of this platform ("Platform"), you must read and consent electronically to the terms outlined in this document ("eConsent"), which require your ability to access and retain electronic documents. This eConsent, if you provide it, applies to your use of this Platform on any device, including a desktop, laptop, tablet, mobile, or other electronic device ("Access Device"), and to any document we provide to you in electronic form, which may include messages, notices, disclosures, consents, authorizations, acknowledgments, and terms and conditions, whether required by law or otherwise ("Document(s)"). If you provide eConsent, we will be able to provide electronic Documents to you within this Platform, in other portals, and/or through other methods we may use for delivery of electronic Documents.
Please note these additional definitions: We, our, and us means CreditX and its current and future affiliates, successors, and assignees; You and your means the person providing this eConsent, including any authorized signer, user, representative, delegate, and/or service user.
Scope of your eConsent
We must, due to legal and other requirements, provide you with certain Documents in writing. In addition, you may need to sign certain Documents. Rather than using paper records and ink signatures, we may, with your consent, use electronic records and signatures throughout our relationship with you. Your eConsent will apply to all of the Documents transmitted, received, delivered, and/or signed by you and by us in connection with your use of this Platform, in other portals, and/or through other methods we may use for delivery of electronic Documents.
Right to have a paper version of your Documents
We are required to give you certain Documents "in writing," which means you are entitled to receive a paper version of the Documents. However, in order to use this Platform, you must provide consent for us to provide these Documents to you electronically. If you do not provide eConsent, you will not be able to use the Platform.
If you provide eConsent, your Documents will be delivered electronically so that you can access the Documents and retain them for future access. If you want to ensure that you continue to have access to these Documents, you must save them onto an Access Device or external storage device.
You have the right to receive a paper version of your Documents, even if you have provided eConsent and we deliver the Documents electronically. You may have to pay a fee for a paper version unless charging a fee is prohibited by applicable law.
If you want a paper version of the Documents provided by CreditX or its affiliates, contact CreditX at (341) 222-7912, support@creditx.info.
In addition, we may, at any time, in our sole discretion, provide you with or require you to use a paper version of the Documents, even if you have provided eConsent.
Right to withdraw your eConsent
If you have provided eConsent, you have the right to withdraw your eConsent at any time and instead receive a paper version of your Documents.
If you decide to withdraw your eConsent, contact CreditX at (341) 222-7912, support@creditx.info. Your eConsent withdrawal will become effective after we have had a reasonable opportunity to act upon it. If you withdraw your eConsent, you will not be able to use the Platform.
Obligation to update your email address
You must provide us with your own valid and current email address where you can receive email, access hyperlinks, and access electronic Documents. You must ensure that we always have your valid and current email address, even if you have provided eConsent and we deliver your Documents electronically through the Platform. To update your email address or other contact information, contact CreditX at (341) 222-7912, support@creditx.info.
Hardware and software requirements
Before providing eConsent, you must ensure that the hardware and software of any Access Device(s) you use meet the requirements below:
Any desktop or laptop device you use must meet the following additional requirements, as applicable:
Any tablet, mobile, or other device you use must meet the following additional requirements, as applicable:
Note: this Platform is optimized for use on Google Chrome. You may download Google Chrome for free at: https://www.google.com/chrome/. If you use other software, you may not receive the same level of support or performance, but as long as you are able to read and review the information above and otherwise access PDF documents, you should be able to access and retain Documents provided through this Platform.
Changes to this Notice Regarding Consent to Use Electronic Signatures and Records, including changes to hardware or software requirements
We will notify you if there are changes to the terms of your eConsent or to the hardware or software requirements that could materially affect your eConsent or your ability to access or retain your Documents. The notice may require you to reaffirm your eConsent and your ability to access and retain electronic Documents, or may indicate that you can reaffirm your eConsent by continuing to access your Documents electronically. The notice will remind you of your right to withdraw your eConsent, and how to do so if you choose that option.
Obligation regarding change of Access Device
If you change your Access Device at any point during your use of this Platform or anytime during our relationship with you, it is your responsibility to ensure that the new Access Device meets the hardware and software requirements listed above and that you are still able to access and retain Documents using the new Access Device. By continuing to access your Documents electronically, you reaffirm your eConsent.
By providing your consent, you indicate your agreement to and confirmation of the following: