Terms of Service
Consent to Conduct Business Electronically (eDisclosure Agreement)
The loan application process involves various disclosures, records, and documents ("Loan Documents"), including this eDisclosure Agreement. The purpose of this agreement is to obtain your consent to receive specific Loan Documents in electronic format instead of paper. By consenting, you will also have the option to sign and authorize these documents electronically.
Before proceeding, it is important that you review and understand your rights and responsibilities. Please read this document carefully and confirm your consent to conduct business electronically. For the purposes of this agreement, “eDisclosures” refers to the Loan Documents provided electronically, “you” and “your” refer to the borrower(s) associated with the loan, and “we,” “our,” and “us” refer to ZINC Financial, including its mortgage brokers, loan processors, or mortgage bankers handling your loan.
YOUR CONSENT
Your consent to participate electronically applies to all Loan Documents related to the loan you are applying for. By clicking the “I Agree” button, you agree to receive these Loan Documents electronically instead of in paper form.
If any document is unavailable electronically, a paper copy will be provided to you free of charge.
Participation in this electronic process is entirely optional. If you prefer not to receive eDisclosures, we will provide paper copies of the Loan Documents.
If you do not consent to receive Loan Documents electronically or later decide to withdraw your consent, paper copies will be mailed to you. Additional details include:
WITHDRAWAL OF CONSENT
You may withdraw your consent at any time. If you choose to withdraw, we will provide paper copies of the Loan Documents going forward.
REQUESTING PAPER COPIES
Even after providing consent for electronic delivery, you can request paper copies of your Loan Documents at any time by contacting us at:
Address: 1525 E Shaw Ave, Fresno, CA 93710
SYSTEM REQUIREMENTS
To access eDisclosures, you must have the following:
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A computer with internet access and a valid email address.
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A web browser supporting 128-bit encryption or higher.
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Adobe Acrobat Reader 7.0 or later.
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SSL encryption.