User Agreement and e-Signature Disclosure and Consent:

Before we can begin working together, you need to be aware of certain important information regarding your "electronic signature" and electronic records of our agreement, including all terms and conditions, with you ("Agreement") as well as other information we need to disclose to you ("Disclosures") in the course of our Agreement.

We can use electronic records only if you affirmatively consent to such use. We will ask you to affirmatively consent to such use but only after informing you that:

You will have the right to have records of the Agreement and Disclosures provided or made available to you on paper or in non-electronic form.

You will also have the right to withdraw your consent to have such records provided in electronic format, but please understand that your withdrawal of consent may result in the termination of our processing agreement.

You can withdraw your consent by contacting us at 1-855-600-7587, or by emailing your request to Your withdrawal of consent will be effective only after we have had a reasonable period of time to process your withdrawal.

You can update the information we need to contact you electronically by contacting us at 1-855-600-7587, or by emailing your request to

You can request a paper copy of the Agreement and Disclosures by contacting us at 1-855-600-7587, or by emailing your request to

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

  • a computer with an Internet connection;
  • a current web browser that includes 128-bit encryption. Minimum recommended browser standards are Microsoft Internet Explorer version 8.0 and above (see for current version), Mozilla Firefox current version (see for current version), Apple Safari current version (see for current version), or Opera current version (see www.opera.comfor current version). The browser must have cookies enabled;
  • a valid email address;
  • sufficient storage space to save past and future Disclosures and/or an installed printer to print them; and
  • if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add to your email address book.

If you consent electronically, or confirm your consent electronically, you must do so in a manner that reasonably demonstrates that you can access information in the electronic form that will be used to provide the information that is the subject of the consent.

By clicking the button "I consent to receipt of electronic records," you adopt that action as your electronic signature, and you agree:

  • that we can provide the Agreement and Disclosures required by law and other information about your legal rights and duties electronically;
  • that your electronic signature on agreements and documents has the same effect as if you signed them in ink; and
  • that the Agreement and any Disclosures and other materials we provide in electronic format with your consent and as provided for in this Disclosure have the same meaning and effect as if they were provided in paper format.

In addition to the Agreement and Disclosures, you agree that we can send all communications, billing statements, and all federal and state tax statements to you electronically (1) by email, (2) by access to a web site that we may designate in an e-mail notice we send at the time the information is available, or (3) by access to a web site that you may designate in advance for the purpose of receiving such records.

We reserve the right to make changes to the hardware and software necessary to access or retain electronic records. If such changes create a material risk that you will be unable to access or retain a subsequent electronic record that was the subject of the consent, we will provide you with a statement of the revised hardware and software requirements for access to and retention of the electronic records, and of your right to withdraw your consent without having to pay any fee for such withdrawal and without the imposition of any condition not disclosed in this Consent.

Finally, by consenting to the receipt of electronic records, you acknowledge that we reserve the right to cancel this electronic records disclosure service, or to change its terms in accordance with the foregoing provisions, or to send Disclosures in paper form at any time. You also acknowledge that while we are responsible for sending notice of the Agreement and Disclosures to you as provided for herein, we are not responsible for any delay or failure in your receipt of any such email notices.