Electronic Consent and Disclosure Agreement

1. Purpose and Scope

This Electronic Consent and Disclosure Agreement ("E-Consent") governs your consent to receive disclosures, notices, and other communications in electronic format from MAF Loans LLC ("MAF," "we," "us," or "our") and from third parties who receive your information through MAF Finance, our loan-matching and lead-generation mobile application and website at mafloans.com.

MAF is not a lender. We do not extend credit or make underwriting decisions. Lenders, marketers, and other buyers who purchase your lead data may send you their own electronic disclosures and offers under their policies.

By downloading, registering for, or using the App, submitting an inquiry, or accepting this E-Consent, you agree to this document, our Terms of Use, and our Privacy Policy.

2. Consent to Electronic Delivery

You consent to receive all disclosures, notices, agreements, and other communications ("Communications") that MAF or third-party recipients of your data are required or permitted to provide in electronic format, including:

• App registration, profile, and inquiry confirmations
• Our Privacy Policy, Terms of Use, and related legal notices
• Privacy and marketing notices from buyers who receive your sold lead data
• Loan applications, credit agreements, and TILA/ECOA disclosures from lenders you engage with
• Account, security, and transactional messages (including OTP codes by SMS)
• Marketing communications where you have opted in under our Marketing Practices

3. Communications from Third Parties

When you submit information through the App, MAF may sell your personal and financial data to lenders and other buyers as described in our Privacy Policy. Those parties may contact you electronically with offers and disclosures. Their Communications are governed by their own terms and privacy policies. MAF is not responsible for third-party Communications after your data is sold.

4. Method of Delivery

Communications may be delivered by email, SMS/text, push notification, in-app message, posting on our website or secure portal, or other electronic means we or a buyer designate.

You agree to maintain a valid email address and mobile number, check messages regularly, and review spam or junk folders. You are responsible for keeping your contact information accurate.

5. Hardware and Software Requirements

To access and retain electronic Communications, you need a device with internet access, a current browser capable of HTML/PDF, a valid email address, and the ability to save or print records. If requirements change materially, we will notify you and give you an opportunity to withdraw consent or request paper copies.

6. Withdrawal of Consent

You may withdraw consent to electronic Communications from MAF at any time by emailing [email protected]. Withdrawal may limit or end your ability to use the App. Withdrawal does not affect the validity of Communications already provided electronically or stop Communications from third parties who already received your data.

To opt out of the sale of personal information (separate from this E-Consent), see our Do Not Sell page or email [email protected].

7. Requesting Paper Copies

You may request a paper copy of a Communication MAF sent you. We may charge a reasonable fee permitted by law. Email [email protected] with your request and allow reasonable processing time. For lender documents, contact the lender directly.

8. Legal Effect

Electronic Communications provided to you under this E-Consent shall have the same legal effect as if they were provided in paper form. Your electronic signature, click-through acceptance, or other electronic indication of assent shall constitute a valid and binding signature to the same extent as a handwritten signature. You agree that such electronic signatures satisfy any applicable legal requirements for a "signature" or "written" consent.

9. Federal and State Law

This E-Consent complies with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq., and the Uniform Electronic Transactions Act (UETA) as adopted in Missouri and other applicable states. You confirm that you have been informed of your right to receive Communications on paper and choose electronic delivery instead.

This E-Consent is governed by the laws of the State of Missouri, consistent with our Terms of Use, without regard to conflict-of-law principles.

10. Updates

We may revise this E-Consent from time to time. Material changes will be reflected by updating the Effective Date above and, where appropriate, notice through the App or website. Continued use after the effective date constitutes acceptance of the revised E-Consent.

11. Contact

MAF Loans LLC
1007 N Garth Ave, Columbia, MO 65203-4051
Missouri, United States
General inquiries: [email protected]
Privacy requests: [email protected]
Website: mafloans.com