Electronic Signature and Electronic Communications Policy

Effective date: [TO BE SET] · Last updated: [TO BE SET]

This Electronic Signature and Electronic Communications Policy (“E-Sign Policy”) explains how APPNAME (“we,” “us,” or “our”) provides disclosures, notices, and agreements in electronic form, and how you may consent to use electronic records and electronic signatures in connection with your use of financeadri.com, our applications, and the loan application and matching services we offer in coordination with participating financial institutions. This policy is designed to comply with the federal Electronic Signatures in Global and National Commerce Act (“ESIGN,” 15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act (“UETA”) as adopted in states that have enacted it, to the extent applicable. Certain participating lenders may provide separate electronic consent disclosures required for credit transactions; where those disclosures differ from this policy, the lender’s disclosures control for the credit products they originate.

1. Agreement to conduct business electronically

By accessing our website or mobile application, creating an account (if applicable), checking a box labeled to indicate your consent, clicking an “I agree” or similarly labeled button, or otherwise electronically indicating your acceptance where we present this E-Sign Policy or a combined consent that incorporates it, you agree that any information, agreement, disclosure, notice, authorization, acknowledgment, or other communication (“Communications”) that we or our designated service providers are required or choose to provide to you in writing in connection with your inquiry or use of our Services may be provided to you electronically by any of the following means, unless and until you withdraw your consent as described below: (a) posting or displaying the Communication on financeadri.com or within our application; (b) delivering the Communication to the email address you provide; (c) presenting the Communication within a secure online portal or document execution platform operated by us or a vendor; or (d) incorporating the Communication into a PDF or other electronic file that you may download, print, or retain using your own equipment.

You further agree that your electronic signature, including any click-through acceptance, typed name, stylus or finger signature on a touchscreen, or use of multi-factor authentication to confirm a transaction, when applied in connection with a Communication presented to you, has the same legal effect as a handwritten signature on paper for purposes of ESIGN, UETA, and applicable state law, subject to any exceptions that cannot be waived by law. You acknowledge that no certification authority or third-party verification other than the processes we or our vendors employ is required for your electronic signature to be valid.

2. Categories of Communications covered

Without limiting the generality of Section 1, the Communications that may be delivered electronically include, where applicable: (i) this E-Sign Policy, our Privacy Policy, Terms of Use, and other policies or agreements governing your relationship with us; (ii) pre-application disclosures, marketing messages (where you have provided legally required consent), and educational materials; (iii) application status updates, requests for additional information, identity verification prompts, and fraud-prevention notices; (iv) adverse action notices, risk-based pricing notices, and other notices that may be required under the Fair Credit Reporting Act, Equal Credit Opportunity Act, Truth in Lending Act, or similar laws when those notices are issued by us in our capacity as a platform provider (if ever applicable) or when we facilitate delivery on behalf of a lender; (v) servicing communications if we operate a borrower portal on behalf of ourselves or partners; (vi) change-in-terms notices, default notices, and collection- related communications to the extent delivered through our platform; and (vii) tax statements or regulatory notices if we are responsible for delivery. Communications that must be provided solely by a lender, debt collector, or servicer may be delivered outside our systems; in that event, the lender’s electronic consent and delivery methods govern.

3. Hardware and software requirements

To access, view, receive, retain, and print Communications in electronic form, you must have: a device with an internet connection; a current web browser that supports TLS 1.2 or higher (for example, recent versions of Chrome, Safari, Firefox, or Edge); an email account capable of receiving HTML and plain-text messages and attachments; sufficient storage space to download and save PDF files if you wish to archive records locally; and, if you choose to print Communications, a printer or the ability to “print to PDF.” If you use a mobile device, you may need to install our mobile application or enable pop-ups and cookies for certain authentication steps. We may update these minimum requirements from time to time; material changes will be described on financeadri.com or communicated to you electronically.

You are responsible for maintaining the security of the devices and email accounts you use to receive Communications. We are not responsible for your inability to access Communications caused by firewall settings, employer email filters, full mailboxes, outdated software, or loss of device. If an email bounces or is undeliverable, we may revert to postal mail for legally required notices where feasible, or suspend certain Services until a valid address is provided.

4. Obtaining paper copies

You have the right to receive certain Communications on paper at no charge, or at a charge not exceeding our or a lender’s reasonable cost of duplication and mailing, as required by law. To request a paper copy of a specific Communication we have provided electronically, contact us at Finance ADRI LLC, 1453 S Luster Ave Springfield, MO, 65804-1711 United States; [email protected]; or +1 573 859 4604 and identify the Communication and approximate date. We will process your request within a reasonable period, typically within ten (10) business days unless a shorter period is required by law. For loan-specific disclosures and periodic statements, contact your lender’s customer service department using the address and phone number on your loan agreement.

5. Withdrawing consent to electronic Communications

You may withdraw your consent to receive Communications electronically from APPNAME at any time by submitting a written request to Finance ADRI LLC, 1453 S Luster Ave Springfield, MO, 65804-1711 United States; [email protected]; or +1 573 859 4604 with your full name, username if applicable, mailing address, and telephone number. Withdrawal of consent will not affect the legal validity or enforceability of Communications provided while your consent was in effect. After withdrawal, we may be unable to continue certain Services that require electronic delivery; we will inform you of any limitations and, where required, provide paper copies of specific notices at the cost permitted by law. Withdrawal of consent with APPNAME does not automatically withdraw consent you may have given separately to a lender or servicer; you must contact those entities directly.

6. Updating your contact information

You agree to keep your email address, mobile number, and mailing address current. You may update contact details through your account settings (if available), by editing information within an active application session, or by notifying us at [email protected], +1 573 859 4604, or in writing to Finance ADRI LLC, 1453 S Luster Ave Springfield, MO, 65804-1711 United States. Failure to maintain accurate contact information may delay important notices, affect your rights, and increase security risks. We may treat Communications sent to the most recent email or postal address on file as properly delivered unless we receive actual notice of non-receipt.

7. Retention and admissibility

We maintain electronic records of Communications in accordance with our record retention policies and applicable law. Electronic records may be reproduced in court or administrative proceedings to the same extent as paper records, subject to authentication rules of evidence. You should retain copies of Communications important to you by downloading PDFs or printing them promptly after receipt.

8. Marketing communications are separate

Consent to electronic Communications under this E-Sign Policy does not obligate you to receive marketing emails, SMS messages, or autodialed calls where separate consent is required under the Telephone Consumer Protection Act (“TCPA”), CAN-SPAM Act, state telemarketing laws, or carrier guidelines. Marketing practices and opt-out mechanisms are described in our Marketing Practices page and may be adjusted as laws evolve.

9. Changes to this E-Sign Policy

We may amend this E-Sign Policy to reflect changes in technology, law, or business practices. If we make material changes, we will provide notice as required by law, which may include posting the revised policy on financeadri.com with a new effective date, emailing you at the address on file, or obtaining a fresh acknowledgment where mandated. Your continued use of electronic Services after the effective date of changes constitutes your acceptance of the revised policy, except where prior express consent is required.

10. Contact

Questions about this E-Sign Policy or your electronic consent may be directed to: Finance ADRI LLC · 1453 S Luster Ave Springfield, MO, 65804-1711 United States · +1 573 859 4604 · [email protected] · APPNAME · financeadri.com