By using FinVo, you agree to receive disclosures and communications electronically (email and in-app). You can request paper copies or withdraw consent by emailing help@finvomoney.org. FinVo is not a lender; lender agreements may have their own e-sign rules.
This Electronic Consent ("Consent") explains how Fin Vo Money LLC ("FinVo," "we," "us") delivers information when you use the FinVo app or related website. FinVo is a loan marketplace - not a lender. By creating an account, submitting a request, or continuing to use the service, you agree to this Consent.
Your consent
You consent to receive the following electronically instead of on paper:
- terms, policies, and disclosures related to FinVo;
- notices about your request, matching status, or account;
- updates to legal documents (including this Consent);
- support and service messages;
- other communications we are permitted or required to send.
Electronic delivery has the same legal effect as delivery of a paper copy, to the fullest extent permitted by law (including the federal ESIGN Act and applicable state Uniform Electronic Transactions Acts).
How we deliver
We may deliver electronic communications by:
- email to the address you provide;
- in-app messages, screens, or downloadable documents;
- links to pages on finvomoney.org or within the app;
- other reasonable electronic methods you enable.
You are responsible for keeping your email address and contact details current. If a message bounces or cannot be delivered because your information is outdated, we may treat it as delivered when sent to the last address on file, to the extent allowed by law.
Hardware and software requirements
To receive and retain electronic communications, you need:
- a device that can access the FinVo app or a modern web browser;
- a valid email address and internet connection;
- software that can display HTML or PDF documents (as applicable);
- enough storage or a printer to keep copies for your records.
If your equipment or software changes and you can no longer receive electronic documents, notify us promptly at help@finvomoney.org.
Paper copies
You may request a paper copy of an electronic disclosure we provided by emailing help@finvomoney.org with enough detail for us to locate the document. We will provide a paper copy where required by law or as a reasonable accommodation.
We may charge a reasonable fee for paper copies where permitted by law, unless a free copy is required. Requesting a paper copy does not automatically withdraw your consent to future electronic delivery.
Withdrawing consent
You may withdraw this Consent at any time by contacting help@finvomoney.org with the subject line Withdraw Electronic Consent. Withdrawal is effective after we process your request.
Because FinVo operates primarily through electronic channels, withdrawing consent may limit or end your ability to use the app or website. Withdrawal does not affect the legal effectiveness of electronic records already provided while consent was in effect.
Lenders and third parties
FinVo is not a lender. If you continue to a lender's application or accept an offer, that lender may ask you to agree to its own electronic signature and disclosure practices. Those rules are between you and the lender. FinVo does not control lender e-sign flows, funding documents, or servicing notices.
Related documents
This Consent should be read with our Terms of Use, App Privacy, Privacy Notice, and Credit Authorization.
Changes
We may update this Consent. The "Last updated" date at the top shows the current version. Material changes may be highlighted in the app, on the site, or by email where practical. Continued use after a change means acceptance of the updated Consent.
Contact
Fin Vo Money LLC
2554 Elvin Ave
Colorado Springs, CO 80909-3010
United States
Email: help@finvomoney.org
We typically respond within 1-2 business days. For loan-account questions after you accept an offer, contact your lender.
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