Electronic Consent

Consent to Electronic Communications

By (i) submitting an application online or (ii) registering for online or mobile services for your Account, you hereby agree to the following and this will constitute your consent for us to send you electronic communications about your Account. When you successfully consent through the online or mobile site, you have successfully demonstrated that you are able to access information we have posted on such online or mobile site.

Categories of Communications. You consent to receive communications relating to your Account in electronic form. The communications covered by your consent may include, but are not limited to, (i) the initial disclosure statement or agreement governing your Account, (ii) any disclosure required by federal, state or local law, including disclosures under the federal Truth in Lending Act, the federal Fair Credit Reporting Act and the financial privacy provisions of the Gramm-Leach-Bliley Act, (iii) your billing statement, if you have signed up to receive electronic statements, (iv) letters, notices or alerts regarding your Account and any changes to your Account, (v) other disclosures, notices or communications in connection with the application for, the opening of, maintenance of or collection of your Account; and (vi) the debt cancellation/debt security/account security agreement and other information relating to optional debt cancellation products you may select to purchase. These electronic communications may include your name and some information about your Account, including your balance or the due date; however, we will not include your full account number or social security number. Electronic communications may be reviewed by any party with access to your Account, the e-mail account you have provided to us for delivering these communications, or the hardware or software you use to view your Account information or your e-mail account.

How to Withdraw Your Consent. You may not apply online for an Account and you may not register your Account for online services (including electronic statements or mobile alerts), unless you also provide your consent to receive electronic communications. If you have registered for online services (such as electronic statements or mobile alerts) and you wish to withdraw your consent to receive future electronic communications, you must un-enroll from each service you have elected to receive to completely withdraw your consent to receive electronic communications.

We will not impose any fee to process the withdrawal of your consent to electronic communications. However, you will not be able to receive your billing statements electronically if you do not consent to receive electronic communications or withdraw your consent. Any withdrawal of your consent to electronic communications will be effective only after we have a reasonable period of time to process your withdrawal request.

How to Update Your Records. You agree to promptly update your e-mail address if a change occurs by updating your information through the website listed on your billing statement or by calling customer service.

Hardware and Software Requirements. In order to access and retain electronic communications, you must have the following:

  • SSL-enabled web browser such as Netscape 4.0, AOL 4.0 or Microsoft Explorer 4.0 (or later versions);
  • a personal computer or equivalent device capable of connecting to the Internet via dial-up, DSL, cable modem, wireless access protocol or equivalent and, and that supports the foregoing requirements;
  • sufficient electronic storage capacity on your hard drive or other data storage facility, or a means to print or store notices and information through your browser software; and
  • for mobile services, you must have a mobile telephone device with internet access and which supports XHTML, MP and WCSS. Some mobile browsers may not have the ability to access electronic services.

Paper Copies of Communications. Upon your request we will provide you with a paper copy of a communication that we provide you electronically. If you would like a paper copy of any material (other than your debt cancellation/debt security/account security agreement), please write to us at: MBFLLC PO BOX 270600, Oklahoma City, OK 73137-0600 or call us at 1-855-320-3434 extension 1741. If you would like a copy of your debt cancellation/debt security/account security agreement, please write to us at: P.O. Box 270600, Oklahoma City, OK 73137-0600. There will be no charge for a paper copy of any material we have sent you electronically.

Communications in Writing All communications in either electronic or paper format from us to you will be considered "in writing". You should print or download a copy of this consent, the Account agreement, the debt cancellation/debt security/account security agreement (if elected) and any other electronic communication that is important to you for your records.

Electronic Signatures. You acknowledge that by clicking on the "I Agee" or similar button, you are indicating your intent to sign up for electronic communications and that this shall constitute your signature.

Federal Law. You acknowledge and agree that your consent is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business and communicate with you by electronic means.