E-Consent

Plain-English summary. By using the App you agree that we can give you notices, policies and other communications electronically, in the App, by email or by text, instead of on paper. You need a device that can run the App and receive messages. You can withdraw this consent or ask for a paper copy at any time by writing to us; withdrawing consent may mean you can no longer use the App.

1 What this consent is

This Consent to Electronic Communications (“E-Consent”) is between you and DAF Finance LLC (“DAF Finance,” “we,” “us”), 1520 Stout St, Denver, CO 80202. It applies to your use of the mobile application Paycheck Advance: DAF Finance (the “App”) and the website daffinance.com (the “Site”). Federal and state law may require that certain information be given to you in writing. This E-Consent lets us give you that information, and other communications, in electronic form.

DAF Finance is not a lender. Any loan agreement, Truth in Lending disclosure or other loan document comes from the Provider you choose, and that Provider will ask for its own consent to electronic delivery. This E-Consent covers communications from DAF Finance only.

2 Communications covered

By agreeing to this E-Consent you agree that we may deliver electronically, rather than on paper, all communications relating to the App and the Site, including:

• our Terms of Use, Privacy Policy (App), Website Privacy Policy, Advertising Disclosure, Disclaimer, Marketing Practices, Credit Authorization and this E-Consent, and any updates to them;
• notices about your account, including confirmation codes, security notices and notices about changes to the App;
• responses to requests you make, including requests about your personal data;
• any other notice or communication that we are required or permitted to give you.

3 How we deliver communications

We may deliver electronic communications by displaying them in the App, by posting them on the Site, by sending them to the email address you give us (if any), or by text message to the mobile phone number on your account. A communication is considered delivered when it is displayed, posted or sent, whether or not you open it.

Text messages are used for confirmation codes and account notices as described in our Marketing Practices; standard message and data rates from your carrier may apply.

4 What you need

To receive and keep electronic communications you need:

• an iPhone capable of running the current version of the App;
• a mobile phone number able to receive SMS text messages;
• access to the internet and a current web browser to view the Site, for example the current or immediately prior version of Safari, Chrome, Firefox or Edge;
• an email address, if you choose to give us one;
• the ability to view PDF files, if you wish to download documents from the Site, and sufficient storage space to keep copies.

If these requirements change in a way that creates a material risk you will not be able to receive communications, we will tell you and give you the chance to withdraw consent without charge.

5 Keeping copies

You can view the current version of each of our documents on the Site at any time, and download a PDF copy where one is offered. We recommend saving or printing copies of documents that matter to you. You are responsible for keeping your contact details current so that electronic communications reach you; you can update your phone number from Profile in the App and tell us of other changes at contact-us@daffinance.com.

6 Paper copies

You may request a paper copy of any communication we have delivered electronically by writing to contact-us@daffinance.com or to the postal address above, stating which document you need and the address it should be sent to. We will send paper copies free of charge. Requesting a paper copy does not by itself withdraw your consent.

7 Withdrawing consent

You may withdraw your consent to receive communications electronically at any time by writing to contact-us@daffinance.com or to the postal address above. Withdrawal takes effect within a reasonable time after we receive it, and does not affect the validity of communications delivered before then.

Because the App operates entirely electronically, withdrawing consent means we will no longer be able to provide the App to you, and we may close your account. There is no charge for withdrawing consent.

8 How you give consent

You give this consent by tapping the button that references our Terms of Use and Privacy Policy when you first set up the App, and each time you continue to use the App after this E-Consent has been updated. By doing so you confirm that you can access this E-Consent electronically, that you meet the requirements in section 4, and that you consent to receive communications electronically as described here.

9 Changes

We may change this E-Consent. The “Last updated” date shows when it last changed. If a change affects what you need in order to receive communications, we will notify you as described in section 4.

10 Contact

DAF Finance LLC · 1520 Stout St, Denver, CO 80202 · contact-us@daffinance.com