CONSENT TO ELECTRONIC DISCLOSURES

By submitting your information via this website, you agree to receive certain notifications, disclosures and/or documents electronically. This Consent to Electronic Disclosures applies to the information you are providing on this Site and any other communications we, or any third party provider may provide to you. By submitting your information you agree to receive all such notifications, disclosures and/or documents from us or any third party provider in electronic form or online in accordance with this document. You may decide not to consent prior to submitting your information by exiting the website or by closing your browser. Note, however, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. Following the submission of your information, you may be able to withdraw your consent to future electronic disclosures from Bill Smasher or a third party provider by contacting the sender of any electronic communication directly. Unfortunately, due to rules regarding the timing of delivery of disclosures that need to be made to you, you acknowledge that an opt-out notice may not be received and acted upon by Bill Smasher or the third party provider prior to such disclosures being delivered to you electronically. We do not process opt-out communications for third party providers, and each third-party provider establishes its own rules regarding opting out of future electronic communications and disclosures.

All notifications, disclosures and/or documents that we or any third party provider sends 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 or the provider’s site; or (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 party provider 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. You may obtain physical copies of any notifications, disclosures and/or documents provided in electronic format from a third-party provider by contacting them directly. Each third-party provider establishes its own processes for providing paper form documentation. To access, view and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have a device capable of accessing the Internet, an Internet browser software program that supports at least 128-bit encryption, sufficient electronic storage capacity, an e-mail account with an Internet service provider e-mail software. You should have a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the disclosures or documents for future reference.

You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) your consent to receive notifications, disclosures and/or documents in electronic form; (ii) the information you provide, and (iii) our and/or any third-party provider’s ability to conduct business with you by electronic means.

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 from us and any third-party provider in electronic format; (iii) affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form; (iv) acknowledge that you have read and reviewed the terms contained in this Electronic Disclosure section; and (v) agree to the terms contained in this Electronic Disclosure section.

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

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-party provider 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 party provider 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 email us at [email protected]. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Should you have any changes to your electronic address or any other communication information, you acknowledge that you are responsible for keeping us and any third-party providers informed of any change in your electronic address or mailing address.