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Consent to Electronic Disclosures

Finova offers loans only through our website. To obtain a loan from us, you must create an account on our website. To create an account with FinovaFinancial.com, you must (1) be able to access our website by using a personal computer or other device which is capable of accessing the Internet, (2) have an active email account through which you can receive emails from us, and (3) consent to our use of our website or emails to provide you any written information that we may be required to send you in connection with your account, your application for a loan, or your loan. By clicking the box next to “Accept Terms” on our home page (FinovaFinancial.com):

The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act (“ESIGN”). Please read this Federal ESIGN Disclosure and Consent carefully and keep a copy for your records.

Your consent is voluntary, but we cannot process your application or make a loan to you if you do not consent. If You are unwilling to receive these disclosures and notices electronically, You may cancel this transaction at no cost by closing your browser at any time before you click “Accept Terms.”

Scope of Communications to Be Provided in Electronic Form

Your consent to receive electronic communications and transactions includes, but is not limited to, all legal and regulatory disclosures and communications associated with your account, your application for a LendUp loan product or service, and any loan product or service we agree to provide you (each, a “Communication”).

Method of Providing Communications to You in Electronic Form

All Communications that we provide to you in electronic form will be provided either (1) via email, (2) by making it available online and accessible via your account “dashboard,” or (3) by requesting you download a PDF file containing the Communication.

How to Withdraw Consent

You may at any time withdraw your consent to receive Communications in electronic form. To begin receiving Communications in paper form, please contact us at the following address: 4521 PGA Blvd, Suite 226, Palm Beach Gardens, FL, 33418. Please specify the information you wish to receive in paper form. Be sure to state that you are requesting a copy of the disclosures, notices, etc., and include your name and mailing address. Your request will apply only to those specific items You designate. We 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 we have a reasonable period of time to process your withdrawal.

How to Update Your Records

It is your responsibility to provide us with 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. You can update information (such as your email address) through your account dashboard by logging on using your username and password.

Hardware and Software Requirements

To access, view, and retain electronic Communications that we make available to you, you must have:

Retaining Copies of the Communications

To retain a copy of any Communication we will provide electronically you can download electronic copy to Your computer or a storage device (such as a disk or USB storage device), or request us to send You an email, or print copies on a printer attached to your computer. You will not be charged for a downloaded or emailed copy.

DISCLOSURES: Finova Financial loans are made pursuant and regulated by: Florida Office of Financial Regulation, under Statute 516; Florida Consumer Finance License. We provide loans based on the equity of a vehicle and our liberal credit policies. We require a lien free Title (a first lien will be placed on the title which you are pledging as collateral for the loan), minimum income requirements, the consumers ability to repay the loan, proof of residency (such as a utility bill), a valid state issued ID/Drivers License, and information from credit bureaus. Please call +1 (844) 576 0862 for any further assistance or questions. This is an expensive form of credit. Not everyone will qualify. Finova Financial loans are designed to help you meet your borrowing needs. This service is not intended to provide a solution for all credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Refinancing your loan will extend the term of the loan and result in additional interest charges. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. All of our collections methods will be in accordance with the guidelines of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may repossess your pledged vehicle and sell at auction, or place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. You have the option of having the required comprehensive and collision to be prepaid for the life of the loan term OR you can choose an optional Voluntary debt cancellation addendum. This is available only as a voluntary option. If you choose the waiver, it will be included and amortized in your monthly payment. You pay interest only for the time your loan is outstanding, there is no prepayment penalty. Complete disclosures of APR, fees and payment terms are provided within the loan agreement. Finova Financial loans are made pursuant and regulated by: Florida Office of Financial Regulation, under Statute 516; Florida Consumer Finance License with interest rates up to 29.99% per year, based on the amount borrowed.

4521 PGA Blvd, Suite 226, Palm Beach Gardens, FL, 33418
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