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Terms of Use

Please read this information carefully and print a copy and/or retain this information electronically for future reference.

INTRODUCTION
You are submitting a request for a loan (“Application”) from Lendiva.com (“Us”). We can only give you the benefits of our on-line service if you consent to the use or acceptance of electronic signatures and to the use or acceptance of electronic records or disclosures in this loan transaction (“Your Consent”). By completing and submitting the Application on-line, you acknowledge receipt of this document and consent to use electronic signatures and to conduct this transaction by use of electronic disclosures and contract documents (“Records”).

ELECTRONIC COMMUNICATIONS
You may request a paper copy from Us of any of the Records by writing to Us with the details of your request at: info@Lendiva.com. Your request for paper copies may be made after Your Consent and after any withdrawal of Your Consent. We will provide the paper copies to you at no charge. We shall retain the Records as required by law.

CONSENTING TO DO BUSINESS ELECTRONICALLY
Before giving Your Consent, you should consider whether you have the required hardware and software capabilities described below.

SCOPE OF CONSENT
Your Consent and our agreement to conduct this transaction electronically only apply to this transaction. By exercising Your Consent, We will conduct this transaction with you electronically.

HARDWARE AND SOFTWARE REQUIREMENTS
To access and retain the Records electronically, you will need to use the following computer software and hardware: An IBM or MAC compatible computer with Internet access  and an Internet Browser that meets the following minimum requirements. Netscape Navigator 8 or later versions or Microsoft Internet Explorer 6.0 or later versions and (Safari 1.1 for Mac users). Also, the specific Internet Broswer must support at least 128-bit encryption. To read some documents, you will need a PDF file reader like Adobe Acrobat Reader.  If at any time during this transaction these requirements change in a way that creates a material risk that you may not be able to receive Records electronically, We will notify you of these changes.

WITHDRAWING CONSENT
You are free to withdraw Your Consent at any time and at no charge to you. If you do withdraw Your Consent prior to receiving the loan, this will prevent you from obtaining a loan with Us over the Internet. If at any time you wish to withdraw Your Consent, you can send us your request by email to: info@Lendiva.com. If you decide to withdraw Your Consent, the legal effectiveness, validity and/or enforceability of prior electronic Records will not be affected.

CHANGE TO YOUR CONTACT INFORMATION
You should keep us informed of any change in your electronic address or mailing address. You may contact Us by e-mail at info@Lendiva.com regarding any such changes.

YOUR ABILITY TO ACCESS RECORDS
By typing in your name above, you acknowledge that you can access the records in the designated formats described above.

CONSENT
You acknowledge that you have read the information about electronic signatures and doing business electronically in this consent for electronic records. you consent to using electronic signatures, having all records provided or made available to you in electronic form and to doing business with us electronically. you acknowledge that you may request a paper copy of the records, which we will provide to you at no charge. you have agreed to receive the loan proceeds electronically and to repay the loan electronically.