This Policy is a notice to you that you are agreeing to transact business with Paintbrush, Inc. electronically. Please read this information carefully, it states that you will not receive paper copies of important notices, agreements and disclosures. By checking a box or clicking on a button, you are providing your consent to the same effect as if you had signed a piece of paper.
“We,” “us,” “our” and “Paintbrush” means Paintbrush, Inc. and its affiliates.
“Communication” means any information that we are required by law to provide to you in writing in connection with your application or any information we may otherwise provide to you relating to any Paintbrush service that you obtain from us. This includes, but is not limited to, all communications, agreements, policies, documents, notices and disclosures
“Paintbrush Service” means each and every product offered through Paintbrush that you apply for, use, administer or access, either now or in the future, including electronic services and financial products.
Electronic delivery of communications
By consenting to this Electronic Communications Policy, any Communications we provide to you may be provided in electronic form. We may also use electronic signatures and obtain them from you as part of our transactions with you. All communications that we provide to you electronically will be provided either directly to your email address on file in your online account, on our website, or on your online account, provided that Paintbrush Communications will be provided to your email address or phone number on file.
Your consent covers all Communications relating to any Paintbrush service. Your consent remains in effect until you give us notice that you are withdrawing it.
Hardware and software requirements
Before you consent, you should consider whether you have the following required hardware and software capabilities to access, view and retain Communications:
access to a computer or smart phone, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying and either printing or storing Communications electronically.
Your Internet browser must meet the following minimum requirements: the current and previous major releases of Chrome, Firefox, Edge, or Safari on a rolling basis which must support at least 256-bit encryption; and
A valid email address on file with Paintbrush.
We will notify you of any changes to these requirements that create a risk that you may not be able to receive Communications electronically.
By giving your consent you are confirming that you have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for your records. Your cell phone provider or another service provider might impose data or usage charges for storing screenshots.
Withdrawing your consent
You may withdraw your consent to receive Communications electronically by contacting emailing us at [email protected]. Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.
If you fail to provide consent, or if you withdraw your consent to receive Communications electronically, we reserves the right to either deny your application for a Paintbrush service, restrict or deactivate your online account, close your account, or charge additional fees for paper copies.
Requesting paper copies of electronic Communications
If, after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously sent you, you may request a copy within 180 days of the date we provided the Communication to you by contacting us as described above. In order for us to send you paper copies, you must have a current street address on file in your Paintbrush online account, if you cannot update your file please email your account manager. Paintbrush may charge you a record request fee for paper copies of each Communication.
Updating your contact information
You must promptly notify us of any change to your email address, phone number, or other contact information so that we can communicate with you electronically. You may do so by emailing us at [email protected], or for Paintbrush customers, you can update your contact information after logging into your online account or speaking to your account representative.
You understand and agree that if Paintbrush sends you an electronic Communication but you do not receive it because your email address or smart phone number on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Paintbrush will be deemed to have provided the Communication to you.
Your Electronic Communications Consent means that any Disclosures shall have the same meaning as if provided in paper form. By pressing the button “Apply Now”, “Get Pre-Approved”, “Get Funded”, “I accept,” “Submit”, “Confirm”, “Verify”, “I agree” or similar buttons indicating your authorization, you are providing your electronic signature with the same effect as if your signature had been provided on paper.