E-Sign Consent Agreement

e-Consent & Credit Authorization (Loan Application)

By providing your Social Security Number and clicking “I Agree,” you authorize Cloudberry Loans LLC (“Cloudberry,” “we,” “us,” or “our”), along with our affiliates and lending, servicing, and marketing partners, to obtain, use, and share your consumer report information and to verify your identity for purposes of evaluating your loan application, determining creditworthiness, presenting financing options, and servicing any resulting account.

This authorization includes obtaining consumer reports and making inquiries with one or more nationwide consumer reporting agencies, including Equifax, Experian, and TransUnion. You understand that such inquiries may include a hard inquiry, which could affect your credit score.

You further authorize Cloudberry, its affiliates, and partners to:

  • use your information to process your application and match you with potential lenders or service providers;
  • share your information with such parties for these purposes; and
  • obtain additional consumer reports, where permitted by law, in connection with account review, renewal, servicing, or collection activities.

Electronic Consent (e-Consent)

By clicking “I Agree,” you:

  • consent to receive disclosures, communications, and records electronically;
  • agree that your electronic acceptance constitutes your electronic signature under the Electronic Signatures in Global and National Commerce Act and applicable state laws;
  • acknowledge that you have access to a device capable of receiving electronic disclosures (such as a computer or mobile device with internet access and a current web browser); and
  • agree that you can print or save a copy of this consent for your records.

Privacy & State Disclosures

You acknowledge that you have reviewed our Privacy Policy and any applicable state privacy notices, including those provided pursuant to the California Consumer Privacy Act (as amended), which describe how your information is collected, used, and shared.

Authorization Scope

  • This consent applies to your current application and, where permitted by law, to any resulting account relationship.
  • You understand that providing your information is voluntary; however, failure to provide required information (including your Social Security Number) may prevent us from processing your application.
  • You may request paper copies of disclosures or withdraw your consent where permitted by law, subject to our policies.

Contact Information

Cloudberry Loans LLC
5550 Glades Rd
Suite 500 #1142
Boca Raton, FL 33431

Phone: (844) 227-4481
Email: info@cloudberryloans.com

E-Sign Consent Agreement

By clicking the check box next to the E-Sign Consent Agreement, you are accepting all of the following terms and conditions relating to the electronic notification/communications policy of Cloudberry Loans, LLC (including its subsidiaries, collectively “Cloudberry Loans, LLC”) and Cloudberry Loans, LLC’s electronic consent and contract binding policy.

Please read the information below carefully and thoroughly.

You Agree to Electronic Contract Binding

You consent to the electronic signature on agreements and documents having the same legal and moral effect as if you signed such agreements and documents in ink and they will be deemed valid, authentic, enforceable, and binding.

You understand and acknowledge that the federal Electronic Signatures in Global and National Commerce Act defines an “electronic signature” as an electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to be bound by such contract or record.

Based on this definition, you further consent that your electronic actions or participation in certain electronic processes that are logically associated with a contract or any fully disclosed terms and conditions shall also have the same legal effect as if you signed such contract or agreed to such terms and conditions by providing your written signature in ink, and you agree that such actions/participation will be deemed a valid and binding contract to the extent such actions/participation indicate your intent to be legally bound.

You Agree to Electronic Communications

You hereby agree that Cloudberry Loans, LLC may provide any communication or notification to you electronically and you hereby consent to receive by electronic means any and all agreements, documents, disclosures and/or notices required to be given by applicable law, regulation, or internal policy.

You also consent to allow Cloudberry Loans, LLC to respond to any inquiries or communications by email, fax, or other electronic means regardless of the format of the original inquiry.

You agree that electronic copies of communications are valid and you will not contest the validity or enforceability of such communications or any related transactions, absent proof of altered data or tampering.

Pursuant to law and regulations, you agree and acknowledge that all electronic communications delivered to you by Cloudberry Loans, LLC shall be given the same legal effect as signed paper communications.

You also agree that any such electronic communications:

  1. Shall be considered a “writing” or “in writing”, and
  2. Shall be deemed for all purposes to have been “signed”, and
  3. Shall constitute an “original” when printed from electronic files or records established and maintained in the normal course of business.

You agree that all electronic communications and actions recorded by Cloudberry Loans, LLC shall be deemed valid and admissible originals.

You Understand the Technical Requirements

To electronically receive, view, and save electronic communications and electronically signed agreements, you must have a personal computer equipped with the requirements set forth below, and either a printer, a hard drive, or other storage device.

You must also have a valid email address. You must notify us if your email address changes, and you hereby agree to notify us of any such change immediately.

To notify us of your new email address, please email us at:
apply@cloudberryloans.com

Please note that the minimum requirements set forth below are subject to change.

Required Hardware & Software

Operating Systems:

  • Windows® 2000
  • Windows® XP
  • Windows Vista®
  • Mac OS® X

Browsers:

  • Internet Explorer® 6.0 or above (Windows only)
  • Mozilla Firefox® 2.0 or above (Windows and Mac)
  • Safari™ 3.0 or above (Mac only)

PDF Reader:

  • Adobe Acrobat® or similar software may be required to view and print PDF files.

Screen Resolution:

  • 800 x 600 minimum

Enabled Security Settings:

  • Allow per session cookies

You Understand the Disclosures About Changing Your Consent

You elect to receive required notices and disclosures only in paper format. It may slow the speed at which we can complete certain steps in transactions with you and delivering services to you.

Nonetheless, you may change your consent at any time.

Your consent to electronic communications and E-signing may also be withdrawn at any time by providing us with written notice that has been notarized and sent to the address below.

Notwithstanding your change of consent, any electronic communications provided or agreements entered into with your electronic signature prior to your consent being withdrawn shall remain effective and binding.

Your correspondence must contain in the body of such request your email address, full name, US Postal address, and telephone number.

After your withdrawal of consent has been received and processed by Cloudberry Loans, LLC, all subsequent notifications and communications will be sent by regular mail to the last known address on file with Cloudberry Loans, LLC.

You have the option to receive any information that we have provided electronically in paper format at no cost to you by providing a written request to the address above.

Additionally, you will have the ability to download and print certain documents through the Cloudberry Loans, LLC Online system.

You Acknowledge and Confirm Your Consent

If you consent to receiving notices and disclosures in electronic format on the terms and conditions described above, please let us know by clicking the check box next to the E-Sign Consent Agreement on the previous page.

By clicking the check box, you acknowledge and confirm that:

  1. You can access and read this E-SIGN CONSENT AGREEMENT
  2. You can print or save the disclosure for your records

Until you notify Cloudberry Loans, LLC as described above, you consent to receive from and through electronic means all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you by Cloudberry Loans, LLC during the course of your relationship with Cloudberry Loans, LLC.

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