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ESIGN Consent

In some cases, we may be required by law to give you certain information “in writing,” which means you are entitled to receive it on paper. We therefore need your consent in order to provide you this information electronically, instead.

In this “Consent,” the words "we," "us," and "our" mean WebBank and Zip Co US, Inc. The words "you" and "your" mean the person giving consent. “Communications” means each disclosure, notice, agreement, or other information we provide to you, or that you sign, submit, or agree to at our request. “Zip Buy Now Pay Later Services” means each Zip-branded service permitting you to request loans from WebBank to finance purchases that you make.

You agree that any of the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form. Your Consent will apply to this transaction and all documents related to this transaction, as well as all future transactions with us in connection with Zip-branded products, including the Zip Buy Now Pay Later Services. We may also use electronic signatures and obtain them from you on any Communication.

Each Communication that we provide to you in electronic form will be delivered by posting it online to your account via (1) the Zip app and/or (2) a document portal provided on a Zip-branded website. We may send you an e-mail, text message, push notification, or other electronic notice at the time a Communication is made available to you, but the Communication will be available online regardless of whether or not we send such notice. You are deemed to have received a Communication when it is posted online. We may establish security procedures you will have to follow to access your online account.

We may always, in our sole discretion, provide you with any Communications on paper, even if you have authorized electronic delivery. Sometimes the law, or our agreements with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we tell you how to deliver the notices to us electronically.

You may withdraw your consent to receive Communications electronically at any time by contacting us in writing at 101 West 23rd St, Suite #111, New York, NY 10011. Withdrawing your consent may prevent you from transacting with us, may delay your transactions with us, and/or may prevent you from entering into new transactions electronically. A withdrawal of your consent to receive electronic Communications will be effective only after we have had a reasonable period of time to process your withdrawal.

3. How to Update Your Contact Information.

It is your responsibility to provide us with an accurate and complete e-mail address and other contact information, and to maintain and update promptly any changes to this information. You can update your contact information at any time by contacting us at the number on the back of your card or through your online account on our website.

4. Hardware and Software Requirements.

To receive electronic Communications, you must have access to:

  • An active, working email account,
  • a current version of a browser (e.g. Edge, Chrome, Safari, or Firefox),
  • a connection to the Internet,
  • a current version of a program that accurately reads and displays PDF files, and
  • a computer, mobile device, or tablet and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain electronic Communications, we will give you notice of the revised hardware or software requirements. Continuing to use this service after receiving notice of the change is reaffirmation of your consent.

5. Requesting Paper Copies.

We will not send you a paper copy of electronic Communications (including periodic statements) from us, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of certain Communications we provide to you electronically by printing it yourself or, if required by applicable law, by requesting that we mail you a paper copy. Requests for paper copies must be made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us in writing at 101 West 23rd St, Suite #111, New York, NY 10011. We will not charge a fee for a paper copy.

6. Retaining copies.

We encourage you to save a copy of all electronic Communications, as well as this ESIGN Consent disclosure and any other documents that are important to you.

7. Termination/Changes.

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

By giving your Consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records and the ability to access and view PDF files.