Federal ESIGN Disclosure and Consent

Electronic Consent:  Consent to Receive Information Electronically

The Electronic Signatures in Global and National Commerce Act requires users of this Site who submit a Contact Form (“you” or “your”) consent to receive certain disclosures electronically. Please read this disclosure and consent carefully and retain a copy of this document for your records.

ELECTRONIC RECORDS

Some communications with and disclosures by Yield Solutions Group, LLC dba RefiJet.com (“RefiJet.com” or “us” or “we”) on its behalf and on behalf of participating banks, finance companies, and credit unions (hereinafter called “Lenders”) in connection with your credit inquiry and any subsequent application to our Lenders are conducted electronically. If you decide to apply to a Lender through our program, the Lender may also communicate with you and provide disclosures to you electronically.  In order to access, receive and retain required notices and your documents, including any notices and disclosures required by state or federal law, such as Privacy Notices from us and our Lenders, loan documents and disclosures that we provide to you on behalf of any Lender, adverse action notices that our Lenders provide or that we provide to you on behalf of any Lender, and any other transaction notices and information from us or any Lender (collectively, "Documents") electronically, you must satisfy the minimum system requirements outlined below. However, if you wish to obtain a paper copy of any Documents that RefiJet provides you in connection with your credit inquiry and any subsequent application to our Lenders, you may contact Yield Solutions Group, LLC (dba RefiJet.com) in writing at 5775 DTC Blvd. #400, Greenwood Village, CO 80111 or by email at Info@RefiJet.com. If you apply to a Lender through our program, the Lender will provide you with contact information to request paper copies of any Documents provided to you electronically by the Lender. We currently do not charge a fee to send you a paper copy of any electronic Document, but we (and any Lender) reserve the right to do so. Be sure to state which of the Documents you are requesting.  

RefiJet (and any Lender) may send Documents to you in paper form because we (or the Lender) are legally required to do so or because we (or the Lender) determine in our (or the Lender’s) sole discretion that you should receive the Documents in paper rather than electronic form.  RefiJet.com and any Lender also reserves the right, in its sole discretion, to stop providing Documents electronically. RefiJet.com or the Lender will provide you with notice of any such termination as required by applicable law. If RefiJet.com or a Lender chooses to stop providing Documents electronically, RefiJet.com or the Lender will send any future Documents to you in paper form. Certain disclosures, however, will be made to you verbally if permitted by applicable law (the “Verbal Disclosures”).

YOUR CONSENT IS REQUIRED

You must consent to receive Documents electronically in order to complete the credit inquiry process with RefiJet.com and any subsequent loan process with one of our participating Lenders. Your consent will apply to Documents as defined above. You may withdraw your consent for receiving electronic Documents by notifying us or the Lender in any of the ways described above. Since RefiJet.com is structured to process all or part of your credit inquiry and any subsequent loan electronically, not consenting, or withdrawing your consent to receive electronic Documents may result in the termination of the credit inquiry and/or loan process. Your withdrawal of this consent is effective only after we have had a reasonable period of time to act upon your withdrawal. Even if you consent, note that the Verbal Disclosures will be made to you telephonically.

If you wish to withdraw your consent to do business electronically with our participating Lenders, you may do so at no cost to you by contacting the Lender at the mailing address, e‐mail address or telephone number the Lender provides to you separately for such purpose.  

CONSENT TO RECEIVE DOCUMENTS ELECTRONICALLY

In order to use this service, you must consent to receive Documents electronically and you agree that these electronic disclosures will be sufficient as a “writing” under applicable law.

HARDWARE AND SOFTWARE REQUIREMENTS

In order to receive, access and retain electronic Documents, you will need the following hardware and software:

• a computer, mobile device, tablet or similar device with an internet connection;

• a current web browser that supports HTTPS connectivity;  

• a current version of a software program that can open and display PDF files (such as an Adobe Acrobat reader);

• a valid email address with email software to communicate with us electronically; and

• an installed printer or sufficient storage space to save, store, print or otherwise retain electronic Documents.

These disclosures and the Documents are both provided to you in PDF; therefore, your access to this page from your own system/device verifies that your system/device has the necessary software to permit you to receive and access PDF files.

If the system requirements for accessing the copy of your Documents on the secure webpage change so as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as a “Systems Enhancement”), we will notify you and you may either withdraw your consent or upgrade your hardware and/or software as required by the Systems Enhancement. If a Lender’s system requirements are different from the requirements described above, the Lender will notify you and give you the opportunity to either withdraw your consent or upgrade your hardware and/or software as required by the Lender.

This consent is valid until revoked by either party.

It is important that you keep your email address current with us and with any Lender.  Please notify us at 1.800.260.5355 if your contact information changes at any point in the refinance process.  After completion of the refinance process, please notify the Lender if your contact information changes at the mailing address, e‐mail address or telephone number the Lender provides to you separately for such purpose. We (or the Lender) may treat your failure to provide an updated a valid email address, or the malfunction of the email address you previously provided, as a withdrawal of your consent to receive Documents electronically.

System Requirements to Retain Information

If you have a valid email address, a copy of the loan Documents will be provided to you upon execution in the form of an email link to a secure portal that will contain the PDF loan documents. You will log into the secure portal using your access credentials. The PDF document will be available to you in the secure portal for thirty (30) days. To retain a copy of the Documents, you may choose to print them, save them or both. In order to print them, you must have a functioning printer connected to your personal computing device.  If you wish to retain an electronic version of the Documents, you must have a personal computing device with the hardware and software necessary to download and store PDF files.

By clicking to accept, you:

• acknowledge your receipt and review of the foregoing Federal ESIGN Disclosure and Consent;

• give your affirmative consent to RefiJet and any Lender providing electronic Documents to you as described above; and

• confirm that your computer or access device satisfies the hardware and software requirements needed to access and retain the Documents that will be provided to you in electronic form, including through use of a valid email address to access a link to a secure portal to access the Documents.

If you do not click to accept you are not consenting to our providing electronic Documents to you as described above, and you are terminating your transaction with us.