Disclaimer: This Website offers a free infomediary service that will attempt to connect you with independent third parties who provide certain products and/or services. We are not a lender, credit company, and do not provide financial services or make credit decisions. The owners and operators of this website may be compensated by third parties whose products and/or services may appear on this website. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We strive to present a wide array of offers, but our offers do not represent all financial services companies or products that may be available to you. Furthermore, we make no warranties, guarantees, or representations that you will be able to qualify for any of the products and/or services on this website. Nothing on this website is intended to be construed as financial or legal advice but instead provided as a courtesy and we encourage you to consult with a financial or legal advisor prior to entering into any transaction. We do not endorse or recommend any services and/or products advertised on or through this website. When visiting any third-party website, you may be connected with on this site, we encourage you to thoroughly review their privacy practices, which may differ substantially from our own. If you have any questions, please visit our contact page.
Availability: Residents of some states may not qualify for the third-party products and services they are connected with on this site. We make no warranties, guarantees, or representations that you will qualify for any third-party services by completing the forms on the website. The services provided on this website are void where prohibited.
EFFECTIVE: JANUARY 1, 2019
MODIFICATION TO THIS POLICY
Information is classified as Personally Identifiable Information (“PII”) and Non-Personally Identifiable Information (“NPII”). Subject to your express knowledge and consent, we may collect PPI you affirmatively provide that can identify you such as your name, address, social security number, telephone number, cell phone number, and email address. PII could also include information you may provide on others, such as co-signers. We may also collect NPII, such as demographic data, online activity data, and other information which could not be used to identify you.
We may collect, store, and use personal or financial information you affirmatively provide to us when using the Site or our Services. This Information could be provided via an online form or via other means in which you interact with our Services. Our Website collects certain Personally Identifiable Information ("PII") when you submit requests for products and/or services on the site or elect to provide PII to us, such as your name, email address, phone number, address, or social security number. PII includes any information that can be used to identify a particular person, including, without limitation first and last name, address, telephone number, zip code, social security number, date of birth, driver’s license, and/or email address. We may use information you affirmatively provide to: process any services you have requested; for fraud prevention purposes; to connect you with independent, third party providers of products and/or services (See more information below). We may share the information you provide with our service providers in connection with any of the foregoing uses. For record keeping purposes, we will store your PII in a secure manner and for a commercially reasonable period of time for record keeping purposes.
Our website may also automatically collect certain non-PII about you when you visit the website using several online tools, including, without limitation, The Internet Protocol (IP) address and domain used; Type of browser and operating system used; Device type and ID; Date and time of your visit to the Site; Web pages you visited; Actions you performed or attempted; Codes that correspond to the status of your actions; The geographic location of your computer or mobile device used to access the site; Your email address when you enter it affirmatively on our forms; We use the non-PII that we collect to improve the design and function of the Website and to enable us to personalize your user experience. We also may use this information in the aggregate to analyze Website usage.
HOW WE USE INFORMATION
By expressly and affirmatively providing us with your information on our forms, you are granting express written consent and permission to be contacted by (TheCashMoneyJournal.com) or our network of third-party service providers who may offer you certain products and/or services. We may contact you via email, telephone call, push notification, and if applicable, SMS. We may share the information you affirmatively provide with these third parties. We may use your Information in the following ways, although this list is not exhaustive: To Deliver the services you requested and otherwise operate our business; To connect you with independent third parties who may provide you with products and/or services; or To Improve our Site and customer service.
Our website may pass the information you affirmatively provide us with contracted third-party service providers in our network and affiliates for the purposes of operating our website, providing you with our infomediary services, or fulfilling your request for certain products and/or services. When you submit a request on our site for products and/or services, you agree that we may share your Information with these third parties so that they can provide the products and/or services You requested. The third parties with whom we share your Information may retain or use your Information whether or not you utilize their products or use their services. You should contact these third parties directly to learn about their own privacy and information sharing practices, which may differ from our own.
OPT-IN / OPT-OUT AND UNSUBSCRIBE
Our site and its network of third-party service providers may contact you to promote and offer certain products and/or services that may be of interest to you. This may occur through electronic mail, telephone, push notification, and if applicable, SMS. Consumers who requested to be contacted through our website’s online forms, via calling a phone number provided, or through any opt-in process of the third-party service providers may be contacted via e-mail or telephone. If you do not wish to receive these emails, telephone solicitations, or other forms of contact from, you may unsubscribe or opt-out at any time by visiting our Unsubscribe Page.
THIRD PARTY LINKS
We may include, at our discretion, links and advertisements linking to other websites belonging to independent third-parties or independent products and/or services of third parties on this site.
HOW WE PROTECT INFORMATION
Our website is committed and serious about protecting consumer information and we have implemented a variety of security technologies and procedures to protect your personal information from unauthorized access, use, or disclosure. These include the use of firewalls and 256-bit Secure Sockets Layer (SSL) protection. In the unlikely event of a security breach, our site will promptly notify any effected consumers in a timely manner while taking all immediate and reasonable actions to remedy the breach. Despite our diligent protective measures and security technologies, the internet is never “security-proof “and therefore, we disclaim any liability for any injury due to a security breach that compromises your personal information.
TELEPHONE CONSUMER PROTECTION ACT (TCPA)
OUR WEBSITE STRIVES TO REMAIN IN FULL COMPLIANCE WITH THE PROVISIONS OF THE TELEPHONE CONSUMER PROTECTION ACT (TCPA) AND THEREFORE, WE DO NOT CALL, SEND SMS MESSAGES, OR SEND VOICEMAILS TO ANY CONSUMER WITHOUT THE CONSUMER'S PRIOR EXPRESS CONSENT. NOTWITHSTANDING THAT YOUR MOBILE TELEPHONE NUMBER MAY BE LISTED ON FEDERAL OR STATE DO-NOT-CALL REGISTRY, WE RETAIN THE RIGHT TO CONTACT YOU VIA TELEPHONE SMS MESSAGES ONCE YOU HAVE PROVIDED EXPRESS WRITTEN CONSENT BY ENTERING YOUR NUMBER ON OUR SITE.
When using this website, our site may collect certain information by automated or electronic means, using technologies such as cookies, pixel tags and web beacons, browser analysis tools, and web server logs. As you use the website, your browser communicates with servers operated by us to coordinate and record the interactivity and fill your requests for services and information. The information from cookies and related technology is stored in web server logs and also in web cookies kept on your computer, which are then transmitted back to us by your computer. Cookies allow us to recognize you when you return and track and target your interests in order to provide a customized experience. They also help us provide a customized experience and help us to detect certain kinds of fraud. A "cookie" is a small amount of information that a web server sends to your browser that stores information about your account, your preferences, and your use of the website. Some cookies are temporary, whereas others may be configured to last longer. We use persistent cookies for a number of purposes, such as retrieving certain information you have previously provided and storing your preferences. Your browser preferences can be modified to accept or reject all cookies or request a notification when a cookie is set.
Pixel tags and web beacons are tiny graphic images placed on website pages or in e-mails that allow us to determine whether you have performed specific actions. When you access these pages or open e-mail messages, the pixel tags and web beacons generate a notice of that action to us. These tools allow us to measure response to our communications and improve our website. We collect many different types of information from cookies and other technologies. For example, we may collect information regarding your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone of your device. We may also collect the Internet Protocol addresses of the device you use to interact with the Website. An Internet Protocol address is a unique identifier that a device uses to identify and communicate with on the Internet. In many cases, the information we collect using cookies and other tools is used in non-identifiable ways, without any reference to PII. For example, we use information we collect about website users to optimize the Website and understand its traffic and usage patterns.
“DO NOT TRACK” SIGNALS—FOR CALIFORNIA RESIDENTS
California Assembly Bill 370, which amends the California Online Privacy Protection Act, requires operators of commercial websites like our site to disclose how websites respond to "Do Not Track” signals; and whether third parties collect personally identifiable information (PII) about users when they visit websites. Our site does not engage in collection of PII about consumer’s online activities across third-party websites or over time. Our site does not honor “do not track” signals. Consumers who use “do not track” signals will still have access to our website. Lastly, our site never allows third parties to collect PII about an individual consumer's online activities over time and across different sites when a consumer uses our website.
CALIFORNIA ONLINE PRIVACY PROTECTION ACT COMPLIANCE
Our website has taken the necessary and substantial steps to remain in full compliance with the California Online Privacy Protection Act. Our company does not distribute your personally identifiable information to outside, unaffiliated parties without your express, informed consent. California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please contact us.
CHILDREN’S ONLINE PRIVACY PROTECTION ACT COMPLIANCE
This site not intended for use by individuals under the age of 18. We are in compliance with the requirements of the Children’s Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are directed to people who are at least 18 years of age and older. When notified of a user who is not over the age of 18, our company will take immediate remedial measures to remove that individual from our user database.
GRAMM LEACH BLILEY ACT COMPLIANCE
The Site is governed by the laws of the United States and is intended for use only by residents of the United States. If you are not a resident of the United States or reside within its jurisdiction, please refrain from using our services.
By using our website, you affirmatively consent to receive communications from us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
LAST REVISED: JANUARY 1, 2019
This site is not intended for use by consumers under the age of 18. By using this site, you affirm that you are over the age of 18 and that you are able to form a binding, legal contract. You agree not to use the website for any purpose that is unlawful or prohibited by these Terms. This site offers a free infomediary service that will attempt to connect you with independent, third party providers of certain products and/or services. THIS WEBSITE IS FREE TO USE. HOWEVER, THE OWNER OF THIS WEBSITE HAS A FINANCIAL CONNECTION TO THE PROVIDERS OF THE GOODS AND SERVICES REFERRED TO ON THE WEBSITE. THE OWNER MAY RECEIVE PAYMENT FOR EACH QUALIFIED SALE OR PAYMENT FOR EACH POTENTIAL CUSTOMER REFERRAL. THE SERVICE IS NOT AVAILABLE TO RESIDENTS OUTSIDE THE UNITED STATES OR IN STATES WHERE OUR SERVICES ARE PROHIBITED.
THIRD PARTY CONTENT AND LINKS TO THIRD PARTY WEBSITES
Your access and use of our site and its infomediary services may be interrupted from time to time for any of several reasons, including, without limitation, periodic updating, maintenance or repair, malfunctioning, or other actions that we, in our sole discretion, may elect to take. We reserve the right to suspend or discontinue the availability of our site, Services, and/or any portion or feature of our Services at any time in our sole discretion, without prior notice.
We do not endorse or recommend the products or services of any third-party service provider you may connect with on this website and are not an agent or advisor to you or any service provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of any service providers on this site. It is your responsibility to investigate thoroughly and review any terms which third parties may provide you. You acknowledge and agree that the third party service providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a service provider’s products or services.
We are not a lender, do not issue financial products, and do not make credit decisions. Instead, we, through our free infomediary services, may help to connect you with Service Providers that might meet your needs based on information provided by you. Our services are entirely free to use. However, the service providers you may connect with on this site may charge a fee for their products and/or services. Please understand that we are not involved with and are not responsible for any fee arrangement that you may enter into with any service provider.
All information, materials, images, photographs, articles, functions, text, and other content provided by or on behalf of Us on this website (collectively, "website content") are the sole property of this website. The website and all of its content and the selection and arrangement thereof, are protected under the copyright laws and other intellectual property laws of the United States. Our site reserves all rights, in and to the website and the website content. Unless otherwise noted, the site name and all other trademarks, service marks, trade names, logos or other designations of source displayed on the website are the property of the site, its affiliates, or licensors. You may not distribute, display, or disseminate any such documents, pages, images, materials or content without our prior, express written consent. Nothing contained on this website shall be construed as conferring any right or license under any trademark, copyright, or other intellectual property right. Any unauthorized use of this website or any of the website content will terminate the permission or license granted herein and may violate applicable copyright and intellectual property law. You will not alter, adapt, or otherwise modify any part of the website or website content.
YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS US, THIS WEBSITE, ITS AFFILIATES, LICENSORS, AND BUSINESS PARTNERS, INCLUDING WITHOUT LIMITATION, THE SITE'S NETWORK OF SERVICE PROVIDERS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND REPRESENTATIVES FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, FOR ANY CLAIMS, CAUSES OF ACTIONS, PROCEDURES OR ALLEGATIONS ARISING OUT OF OR RELATING TO ANY VIOLATION OF THESE TERMS, YOUR USE OF THE WEBSITE, WEBSITE CONTENT OR USER CONTENT (INCLUDING BUT NOT LIMITED TO INFRINGEMENT OF THIRD PARTIES' WORLDWIDE INTELLECTUAL PROPERTY RIGHTS OR NEGLIGENT OR WRONGFUL CONDUCT) BY YOU OR ANY OTHER PERSON ACCESSING THE WEBSITE ON YOUR BEHALF. WE RESERVE THE RIGHT, AT OUR OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO DEFENSE BY YOU.
DISCLAIMER OF WARRANTIES
THIS SITE UTILIZES REASONABLE EFFORTS TO ENSURE THE INFORMATION PRESENTED ON THIS WEBSITE IS ACCURATE BUT CANNOT GUARANTEE SUCH ACCURACY. THE WEBSITE, THE WEBSITE CONTENT, AND USER CONTENT ARE MADE AVAILABLE "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT OR ENJOYMENT. WE MAKE NO GUARANTEE THAT THE WEBSITE CONTENT OR USER CONTENT ON THE WEBSITE IS UP-TO-DATE, ACCURATE, OR COMPLETE, AND YOU SHOULD NOT RELY ON THE WEBSITE FOR ANY DECISION OR TO TAKE ANY ACTION. WE HEREBY DISCLAIM ANY WARRANTY THAT THE WEBSITE CONTENT OR USER CONTENT ON THE WEBSITE WILL BE FREE OF INTERRUPTION, FREE OF ERRORS, OR THAT THE WEBSITE IS FREE OF VIRUSES, TROJAN HORSES, OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES.
LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL THIS SITE, ITS AFFILIATES, BUSINESS PARTNERS, OFFICERS, OWNERS, AGENTS, AND/OR ANY OTHER PARTIES INVOLVED IN DEVELOPING, PRODUCING, OR DELIVERING THIS WEBSITE SHALL BE HELD LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE DAMAGES, OR ATTORNEY’S FEES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS WEBSITE. YOUR SOLE AND EXCLUSIVE REMEDY AND THIS SITE'S SOLE AND EXCLUSIVE LIABILITY TO YOU FOR ANY REASON SHALL BE FOR YOU TO DISCONTINUE YOUR ACCESS TO OR USE OF THE WEBSITE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
COMPLIANCE WITH APPLICABLE LAWS
You agree to comply with all applicable federal, state, and local laws, regulations and rules that apply to your activities when using the website. We reserve the right to terminate your use with respect to this website and to prevent your use of the website if such use or action is performed to engage in illegal activity or to violate these Terms. Our site may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities.
As mentioned above, our site reserves the right to modify these Terms from time to time. Your use of the website after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions. These Terms govern your current visit to the website, not any future visit. As your next visit to the website may be governed by different terms posted at this page and you should review the terms on this page each time that you visit the website.
LAW AND VENUE
These Terms, and the interpretation, performance, and enforcement of your use and this website’s rights and duties, shall be construed in accordance with the laws of the State of Nevada, except for any conflict or choice of law principle thereof that would lead to the application of another jurisdiction’s laws to the rights and duties of the parties. You and our website consent to exclusive jurisdiction and venue in the federal and state courts sitting in Clark County, Nevada. Any claim you may have against this site must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. You agree to waive any right to a jury trial in connection with any action or litigation in any way arising out of or related to this Agreement and that each party has the right to seek attorneys’ fees in any proceeding.
CLASS ACTION WAIVER
To the extent allowed by law, you and this site each agree to waive any right to pursue disputes on a consolidated or class-wide basis; that is, to either join a claim with the claim of any other person or entity or assert a claim in a representative capacity on behalf of anyone else in any lawsuit, arbitration, or other proceeding. YOU HEREBY UNDERSTAND THAT BY AGREEING TO THIS CLASS ACTION WAIVER, YOU MAY ONLY BRING CLAIMS AGAINST THIS SITE IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.
You and TheCashMoneyJournal.com (the “Parties”) agree to submit any dispute arising out of or in any way relating to this Site to binding arbitration conducted by a single arbitrator under the Commercial Rules of the American Arbitration Association (“AAA”) in Las Vegas, Nevada, rather than a proceeding in a court of law. All discovery shall be completed within sixty (60) days following the appointment of the arbitrator. Each party shall be entitled to representation by counsel, to appear and present written and oral evidence and argument and to cross-examine witnesses presented by the other party, provided that, where appropriate, the arbitrator may receive testimony via telephone, video or other electronic means of communication. The arbitration aware shall be in writing and the arbitrator shall provide written reasons for the award. The award of the arbitrator shall be final and binding on the parties hereto and may be enforced in any court of competent jurisdiction. The prevailing party in any action or proceeding to enforce its rights hereunder shall be entitled to recover reasonable attorneys’ fees and other reasonable costs, including fees of the arbitrator and the AAA, incurred in the action or proceedings. In no event shall the arbiter award punitive or exemplary damages. The parties waive any right they may have to an appeal of the arbitrator’s decision and/or award. Each party retains the right to seek judicial assistance: (i) to compel arbitration, (ii) to obtain interim measures of protection prior to or pending arbitration, (iii) to seek injunctive relief in the courts of any jurisdiction as may be necessary and appropriate to protect the unauthorized disclosure of its proprietary or confidential information; (iv) for any claims of infringement or misappropriation of this Site’s copyright, trademark, or trade secrets; and (v) to enforce any decision of the arbitrator, including the final award. If any AAA rule conflicts with these Terms and Conditions, these Terms and Conditions shall control. BY AGREEING TO ARBITRATION, YOU AGREE THAT THE PARTIES ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT AND THE RIGHT TO A TRIAL BY JURY IN ANY ACTION IN ANY WAY ARISING OUT OF OR RELATED TO THIS AGREEMENT. Notwithstanding anything to the contrary, any party to the arbitration may at any time seek injunctions or other forms of equitable relief from any court of competent jurisdiction.
By using our website, you affirmatively consent to receive communications from us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
The Site is governed by the laws of the United States of America and is intended for use only by residents of the United States. If you are not a resident of the United States or reside within its jurisdiction, please refrain from using our services. By offering this site and its content, we make no distribution or solicitation to any person to use the website or its content in any jurisdiction where the provision of this website is prohibited by law.
Our failure to enforce any provision of these Terms shall not be construed as a waiver of such or any future provision.
If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement. The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement.
If you have any questions or concerns please email us at firstname.lastname@example.org.
CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES
You are submitting a request to be connected with independent, third party financial service providers ("Third Party"). In order to offer you services, these independent, third party financial service providers need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This disclosure notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link consenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
OPTION FOR PAPER OR NON-ELECTRONIC RECORDS
You may request any Disclosures in paper copy by contacting the independent, third party financial service providers directly. They may provide paper copies at no charge and will likely retain all Disclosures as applicable law requires.
SCOPE OF CONSENT
This E-Consent applies to all interactions online concerning you and the independent, third party financial service providers and includes those interactions engaged in on any mobile device, including, smart-phones and tablets. By exercising this E-Consent, the third party may process your information and interact during all online interactions with you electronically. The third party may also send you notices electronically related to its interactions and transactions.
CONSENTING TO DO BUSINESS ELECTRONICALLY
Before you decide to do business electronically with a third party financial service providers, you should consider whether you have the required hardware and software capabilities described below.
HARDWARE AND SOFTWARE REQUIREMENTS
To access and retain the Disclosures electronically, you may need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128-bit encryption, such as Microsoft® Internet Explorer, or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe®. You may need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party financial service providers.
Your E-Consent for our infomediary services and for our third party's consideration of your request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more independent, third party financial service providers, you are free to withdraw your E-Consent with those third party financial service providers at any time and at no charge. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.
CHANGES TO YOUR CONTACT INFORMATION
You should keep any independent, third party financial service providers you may be connected with informed of any change in your electronic address or mailing address. You may update such information by logging into the third party's website or by sending the third party a written update by mail.
BY CLICKING THE LINK, YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY AND CONSENT TO THESE TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS AS DESCRIBED ABOVE. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH ANY THIRD PARTIES, INCLUDING INDEPENDENT THIRD PARTY FINANCIAL SERVICE PROVIDERS, ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY FINANCIAL SERVICE PROVIDERS OVER THE INTERNET.