Electronic Consent (E-Consent)

This E-Consent explains how PLUCKY MONEY LLC (“Plucky Money,” “we,” “us,” or “our”) will provide communications, disclosures and records to you electronically, and your rights when you agree to receive them this way. It is provided under the federal Electronic Signatures in Global and National Commerce Act (the “ESIGN Act”), 15 U.S.C. § 7001 et seq., and is part of our Terms of Use.

Please read it before you agree. You can print or save a copy of this page for your records.

1. What you agree to

By agreeing to this E-Consent in the app, you agree that:

• we may provide you with all communications, disclosures, notices, agreements and records related to your account, your requests and the Service electronically instead of on paper. These include our Terms of Use, Privacy Policy, Credit Authorization, notices about changes to them, verification codes and messages about your request;
• your agreement given electronically, such as by tapping a button or checking a box, has the same legal effect as a handwritten signature; and
• electronic records satisfy any legal requirement that information be provided to you in writing.

This consent applies for as long as you have an account with us, unless you withdraw it as described in Section 5.

2. Lenders and partners

This E-Consent covers only communications and records from Plucky Money. If you move forward with a lender, the lender will ask for your separate consent to receive its loan agreement and other documents electronically, under its own terms. Please read that consent carefully.

3. How we deliver electronic records

We will deliver communications and records by one or more of these methods:

• displaying them in the Plucky Money app or on our website;
• sending them to the email address in your account; or
• sending text messages to the phone number in your account, for example for verification codes and updates about your request.

A record sent to the most recent email address or phone number in your account is considered delivered, even if you do not open it.

4. System requirements

To access and keep electronic records, you need:

• a smartphone, tablet or computer with internet access;
• the Plucky Money app, or a current version of a major web browser such as Safari, Chrome, Firefox or Edge;
• an email address that you check regularly, and a mobile phone number that can receive text messages; and
• the ability to save or print emails and web pages if you want to keep copies.

By agreeing to this E-Consent in the app, you confirm that you have these, and that you were able to open and read this E-Consent electronically, which shows you can access the records we will provide.

If these requirements change in a way that creates a material risk that you won't be able to access or keep your records, we will tell you and give you the chance to withdraw your consent without any fee.

5. Withdrawing your consent

You can withdraw your consent to receive records electronically at any time, free of charge, by emailing contact@pluckymoney.com with the subject “Withdraw E-Consent.” Please include your name and the email address or phone number in your account.

6. Paper copies

You can ask for a paper copy of any record we provided to you electronically by emailing contact@pluckymoney.com with the subject “Paper copy request.” Tell us which record you need and the mailing address to send it to. Paper copies are free. Asking for a paper copy does not withdraw your consent.

You can request copies for as long as we keep the record, as described in Section 11 of our Privacy Policy. Loan documents from a lender must be requested from that lender.

7. Keeping your contact information up to date

We send electronic records to the most recent email address and phone number in your account. Please keep them up to date. You can update them in the app or by emailing contact@pluckymoney.com. We are not responsible for records you miss because your contact information was out of date.

8. Contact us