Introduction.

• This Consent to Electronic Signatures and Disclosures (“Agreement”) covers Zolve Innovations, Inc., its affiliates, service providers and any assigns and its financial institution partners, including Bank (individually and collectively, “Zolve”, “our,” “you,” or “we”). The words “you” and “your” means each person who uses our Services or otherwise consents to this Agreement.
• This Agreement allows us to provide you with an electronic version of important notices and documents associated with our Services and/or Bank Products and to enter into transactions with you electronically. By applying for, using or receiving Services or Bank Products, you agree to this Agreement and confirm your consent to (a) receive Communications electronically; and (b) the use of electronic signatures. You also agree that Communications you or Zolve sign electronically will have the same legal effect as a signed physical document. If you choose not to consent to this Agreement or if you withdraw your consent, you may be unable to use the Services.
• You should retain a copy of this Agreement and all other Communications for your records.
• Subject to applicable law, your use of the Service is also governed by and subject to our Terms of Use and Privacy Policy, which is incorporated into this Agreement by reference. In the event of a conflict between the Terms of Use and Privacy Policy and the terms of this Agreement, the terms of this Agreement will control with respect to any Communications. Capitalized terms used and not defined in this Agreement have the respective meanings assigned to them in the Terms of Use.

1. Agreement to Receive Electronic Communications.

We are required by law to give you certain information in writing. This means you have the right to receive that information physically, on paper. With your consent, we will send that information to you electronically, instead, in accordance with the federal Electronic Signatures in Global and National Commerce Act (“E-Sign Act”) and equivalent state laws. By consenting to this Agreement, you consent to receive Communications in electronic form for any of our products, services, Bank Products, and accounts that you apply for or obtain, either now or in the future (the “Services”). You also consent to the use of electronic signatures in your relationship with each of us. “Communications” includes each disclosure, notice, agreement, privacy policy, statement, record, document, and other information that may be required or otherwise provided during the business relationship between you and us in connection with the Services. We reserve the right to provide Communications in paper form.

2. Communications that are covered.

Examples of Communications include:

1. Any disclosure statement governing your use of the Services;
2. Any disclosure required by Law;
3. Billing statements, receipts and account history reports;
4. Letters, notices and alerts regarding the Services and any changes to the Services;
5. Federal and state tax statements and documents; and
6. Other disclosures, notices and communications in connection with (a) your application for the Services; (b) your Bank Products; © account maintenance; or (d) servicing and collection of funds.

This Disclosure applies to all Communications that Zolve provides to you on its behalf or on behalf of its service providers, financial institution partners and their affiliates.

3. Delivering Electronic Communications.

Electronic Communications may be posted within our website or mobile application, provided through the Services, delivered to the email address you provided to any of us, and/or provided through another electronic format. It is your responsibility to keep current your contact information associated with your account so that we can send you electronic Communications. You can update your email address and other contact information from your account settings within your Zolve account.

4. Minimum Hardware and Software Requirements.

To access electronic Communications, you will need certain browser and encryption software that meet these requirements:

1. An up-to-date device (e.g., computer, tablet, or mobile phone) which has internet access;
2. A current, compatible web browser, including the current or immediately preceding version of Chrome, Internet Explorer, Firefox, Safari and Zolve;
3. A valid email account;
4. An operating system on your device capable of receiving, accessing and displaying Communications in electronic form via text-formatted email or gaining access to the Zolve Website using a supported browser;
5. The ability to view and retain Portable Document Format (PDF) files; and
6. If you wish to store or print any Communications, a device capable of storing and printing Communications.

If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add relevant Zolve email accounts to your email address book.

By consenting to this Agreement, you confirm that the electronic device you use to access our products or services meets the minimum specifications and requirements outlined above. If a change in these hardware or software requirements creates a substantial risk that you will not be able to access or retain electronic Communications, we will provide you with notice of such change. Continued use of our electronic services after any such notice signifies your acceptance of the change and reaffirmation of your consent.

5. Withdrawing Your Consent.

You have the right to withdraw your consent to receive electronic Communications. If you withdraw your consent, we may terminate Services. To withdraw your consent, please contact us via email at hello@zolve.com. Your withdrawal of consent to receive electronic Communications will be effective after Zolve has had a reasonable period of time to process your withdrawal. Terminating consent under this Agreement will mean you will no longer receive security updates, which may increase the risk of loss to your business.

6. Requesting Paper Copies.

Except where required by law, we do not provide paper copies of any documents. You agree that all Communications provided to you in electronic form by us will be considered “in writing”. You should print or download for your records a copy of this Agreement and any other Communications you wish to retain.

7. Amendment.

We have the right to change or add to the terms of this Agreement at any time without notice, unless required by applicable law. In the event we are required to provide notice, by any means contemplated hereunder, including Section 4. If you do not agree to any of these terms or any changes to the Agreement, do not use or access (or continue to access) the Service.