Pylon Web & Electronic Consent

Consent to Receive Electronic Records and Communication 

Please read this agreement carefully and download, save, and/or print a copy for your files.

This agreement discloses certain information to you that Embed Inc. d/b/a Pylon, Pylon Lending (hereinafter “Pylon”) is required to provide before obtaining your consent to receive legally required notices and disclosures by electronic means. The words “we,” “us,” and “our ” means Pylon and the words ”you“ and ”your“ means you, the individual as identified on the loan application and accounts. As used in this Disclosure, “Communication” means any customer agreements or amendments thereto, authorizations, disclosures, statements, notices, monthly billing, tax forms, transaction history, privacy policies, and all other information related to the product(s), service(s) or account(s), including but not limited to information that Pylon is required by law to provide to you in writing.

Your consent is voluntary, however, please be advised that at this time Pylon will not be able to process your application or make a loan to you if you do not provide consent to receive communications electronically.

The Scope of Communications to Be Provided in Electronic Form

By accepting the E-Sign Disclosure and Consent Agreement, you agree that Pylon will not be sending paper communications to you, unless and until you withdraw your consent as described below. Your consent applies to all transactions between you and Pylon and not only to a particular transaction.  Your consent to receive electronic communications and transactions includes, but is not limited to:

• Legal agreements
• Disclosures
• Statements
• Notices
• Tax Forms            
• Privacy policies and notices 

Method of Providing Communications to You in Electronic Form

All communications that Pylon provides you in electronic form will be delivered either (1) via e-mail, (2) by access to our website at www.pylonlending.com (we will send you an email notice at the time the information is available), (3) to the extent permissible by law, by access to a web site that Pylon generally designates in advance for such purpose, or (4) by requesting you download a PDF file containing the communication.

You shall be responsible for viewing communications in a timely manner to comply with any payment due dates, error resolution requirements and time periods, or with any other terms and conditions of your loan and/or accounts.

How to Withdraw Consent

It is your responsibility to provide Pylon with a true, accurate and complete email address, mailing address, contact, and other information, and to maintain and update promptly any changes in this information. You can update your mailing address and phone number by contacting us at 855-300-8520.  You can also email your request at the following address: support@pylonlending.com. Please specify the information you wish to receive in paper form. Be sure to state that you are requesting a copy of specific disclosures, notices, etc., and include your name and mailing address. Your request will apply only to those specific items you designate. Please be advised that Pylon is not liable for any third party incurred fees, other legal liability, or any other issues or liabilities arising from notifications sent to an invalid or inactive email address or postal address that you have provided. Pylon will not impose any fee to process the withdrawal of your consent to receive electronic communications. Any withdrawal of your consent to receive electronic communications will be effective only after Pylon’s reasonable time to review and process your withdrawal request.

How to Update Your Records

It is your responsibility to provide Pylon with a true, accurate and complete, email address, contact, and other information related to your account, and to maintain and update promptly any changes in this information. Customers can update personal information such as phone, email, and address but cannot change the name once the account is created. 

Hardware and Software Requirements

In order to access, view, and retain electronic communications that Pylon makes available to you, you must have:

• An E-mail address with internet service provider and e-mail software. 
  • Connection to the Internet capable of receiving, accessing, displaying, and either printing or storing communications received from Pylon in electronic form via email or by access to Pylon’s website using a browser.
• A personal computer, operating system and telecommunications connections to the internet capable of receiving, accessing, displaying, and either printing or storing communications received in electronic form.
  • Your access to this page verifies that your system/device meets these requirements.
• A Web Browser software program that supports a security technology called Secure Socket Layer (SSL) supporting 128-bit SSL encrypted communications.
  • This ensures that the information sent between us and you is transmitted and stored safely. .
• Adobe Acrobat Reader 8.0 or higher

Requesting Paper Copies

Pylon will not send you a paper copy of any communication that you have selected to receive electronically unless you request it or Pylon otherwise deems it appropriate to do so.  You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that Pylon mail you a paper copy, provided that such request is made in a timely manner.  To request a paper copy, contact us by telephone at (855) 300-8520.  Pylon reserves the right to charge you a reasonable service charge for the delivery of paper copies of any communication that was previously provided to you electronically pursuant to your authorization.  Pylon reserves the right, but assumes no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized Pylon to provide electronically.

Communications in Writing

All Communications in either electronic or paper format from Pylon to you will be considered “in writing”.  You should print or download and maintain physical or electronic copies of the documents, including this disclosure, and any other communication that is important to you.

Federal Law

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

Termination/Changes

Pylon reserves the right, in their sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which Pylon provides electronic communications.  Pylon will provide you with notice of any such termination or change as required by law and make the necessary changes to allow for the delivery of communications by mail or as otherwise provided under the original terms of the applicable account agreement and disclosure statement.

Important Notice

You understand that the information you have elected to receive electronically  is confidential in nature. We are not responsible for unauthorized access by third parties to information and/or communications provided electronically, nor any damages, including direct, indirect, special, incidental or consequential damages caused by any unauthorized access. We are not responsible for delays in the transmission of any information. We are not responsible for any computer virus or related problems.

Consent and Agreement

By accepting the above, you certify that: (i) you have read and understand this agreement, (ii) you can print or electronically save this agreement for future reference, (iii) you consent to receive the required information described above by electronic means, (iv) you acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and intend that this statute applies to the fullest extent possible, and (v) you have provided a working individual email address.

By checking the box in the loan application website to accept, you represent and warrant that (i) you have read and understand this E-SIGN Consent and Disclosure; (ii) you agree to accept all communications in an electronic format, and (iii) you agree that you have the required hardware and software necessary to access the communications and retain a copy of such communications.