These Terms of Service describe a contractual relationship (“Agreement”) between you (“you” or “your”) and WellPay, Corp. (including its subsidiaries, affiliates, agents, and assigns) (“WellPay,” “we,” “us,” “our”), formerly known as Expedite, Inc. or Expedite Software, regarding your use of this website (“Website”) or the WellPay mobile application (the “App”), your use of the “Pay with WellPay” service as described below in Section 2.1, your use of “Additional Tools” as described below in Section 2.2, your use of any other service(s) offered through the Website or App, and your access to your WellPay account information and service through the Website or App (collectively, the “WellPay Service(s)” or “Service(s)”).
WellPay may unilaterally decide to change this Agreement from time to time, provided, however, that such changes will not impose additional obligations on you with respect to actions you took before the change became effective unless you specifically agree to such changes (for example, by confirming a Installment Credit). Additionally, YOU AGREE TO ACCEPT ANY CHANGES TO THIS AGREEMENT BY USING THE WellPay SERVICES AFTER CHANGES HAVE BEEN POSTED. If WellPay makes any changes to this Agreement that it deems to be material, WellPay will make a reasonable effort to inform you of such changes, but it is your responsibility to review the Agreement posted to our website from time to time to see if it has been changed.
To be eligible to use the Services, you must be at least 18 years old (19 years old in Alabama or if you’re a ward of the state in Nebraska) and a resident of the United States or its territories. Residents of Iowa and West Virginia are not eligible for the “Pay with WellPay” service. You represent and warrant that you are eligible to use the Services.
2.1.1. Description: “Pay with WellPay” is a closed-end Installment Credit product with standard terms of 3, 6, or 12 months (other terms may be available at select Providers) through WellPay’s technology platform. Installment Credit term options may vary based on purchase price and Provider. “Pay with WellPay” allows you to buy goods or services offered by Providers (“Providers”) for personal use. If you agree to use “Pay with WellPay,” WellPay will pay the Provider on your behalf in exchange for your promise to repay the same amount plus a finance charge as determined by your creditworthiness.
2.1.2. Your Promise to Pay: Before completing any transaction on your behalf through any WellPay Services, WellPay will secure your promise to pay by disclosing the terms and conditions applicable to that transaction and securing your WellPayative consent to those terms for that transaction, including your promise to pay the Total Payments by asking you to click the button to confirm your Installment Credit.
2.1.3. Interest Rates: “Pay with WellPay” rates range from 10% to 30% fixed Annual Percentage Rate (“APR”), depending on your creditworthiness (0% APR is offered at select Providers). “Pay with WellPay” Installment Credits are simple interest Installment Credits, which means that interest accrues daily on the unpaid principal balance, up to the amount of the finance charge, until you pay the Installment Credit in full. If, however, you pay your Installment Credit off early, the Prepayment Refund terms below may apply.
2.1.4. Finance Charge: The “Pay with WellPay” service is subject to a finance charge based on the applicable interest rate determined by your creditworthiness. WellPay will always disclose the specific finance charge before you agree to any Installment Credit.
2.1.5. First Payment: Your first payment will be due no sooner than 15 days after WellPay pays a Provider on your behalf pursuant to the “Pay with WellPay” service.
2.1.6. Late Payment Fee: You will never be charged any late fees for using “Pay with WellPay.”
2.1.7. Payment Allocation: Payments that you make will be applied first to accrued unpaid interest then to the unpaid principal balance. For Installment Credits that are delinquent, your payment will be applied first to past due amounts, then to your current monthly payment. For Installment Credits that are charged off, your payment will be applied first to the unpaid principal balance, then to accrued unpaid interest.
2.1.8. Partial Prepayments: Payments in excess of your currently scheduled payment will be applied to your unpaid principal balance and will not be used toward your next scheduled payment. Thus, your monthly scheduled payment amounts will remain the same except for your final payment.
2.1.9. No Prepayment Penalty: You may prepay your Installment Credit in full at any time without penalty.
2.1.10. Prepayment Refund: You are entitled to a refund of any amounts you pay in excess of the remaining principal balance and accrued interest as of the date of prepayment. We, however, may set off any amounts you are entitled to against any amounts you owe on any other “Pay with WellPay” Installment Credit or owe us otherwise. In lieu of a prepayment refund, you may satisfy your repayment obligation under the “Pay with WellPay” service on any date prior to the date of the final payment by paying WellPay an amount equal to the unpaid balance, less the required rebate as of the date of such a payment.
2.1.11. Delays in Processing: In some cases when you attempt to use “Pay with WellPay” to pay for medical or veterinary services, the transaction may be held as pending or be otherwise delayed for processing and confirmation by either WellPay or the Provider and can be cancelled at any time until it is confirmed by WellPay.
2.2.1. Tools We May Offer: We may from time to time offer you the ability to access certain financial management tools. Examples of such tools include financial calculators, customized financial analysis, bill payment reminders, dashboards with information about your debts (including debts you may owe others) and/or assets, and other similar services. Unless we indicate otherwise, these tools will be provided free of charge and are provided exclusively for personal use.
2.2.2. Limitations on Tools: You agree that we may modify the tools or cease making them available to you at any time without notice. We have no obligation to continue to make any particular tool available to you or to do so without charge. If we modify a tool or cease to make a tool available to you, you understand that you may lose access to any information that you may have supplied in connection with your use of the tool and have no rights to obtain such information from us. To the extent that the tools present information regarding financial accounts you may have with other lenders or financial institutions, you understand that the information may not be up to date. Before acting on any such information, you should confirm its accuracy with the lender or financial institution holding the account. There may be times when a tool we offer is unavailable or not properly functioning, and you agree that we have no liability to you if this occurs or in connection with the tools generally. You may need certain hardware or software to utilize the tools, and you understand that your failure to have such hardware or software will result in your not being able to use the tools or some tool functionality. You understand that some tools or some tool functionality may only be available to consumers who have relationships with certain lenders, service providers or financial institutions or who have certain financial products. If you do not have such relationships or products, you understand that you may not be eligible to use a tool or all of its functionality. You agree that we may use the information we gather through the tools to market other products and/or services to you, including those of third parties.
2.2.4. Tools are Provided for Informational Purposes Only: Financial information provided through the tools is provided for informational purposes only and not a substitute for individualized professional advice. We are not a credit repair or credit services organization as defined under federal or state law, including any credit repair or credit services organization acts. We do not provide “credit services” or “credit repair” services. We do not advise or assist you with “rebuilding” or “improving” your credit. We make no representation that we will improve or attempt to improve your credit record, history or rating. The tools are not intended to provide financial, legal or tax advice, and we are not a financial planner, broker or tax advisor. The tools are intended only to provide general assistance in organizing your finances. Before making any financial decisions or implementing any strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.
2.2.5. Accuracy, Reliability and Timeliness of Information: YOUR USE OF THE TOOLS IS AT YOUR SOLE RISK. INFORMATION PROVIDED THROUGH THE TOOLS IS ON AN “AS IS” AND “AS AVAILABLE” BASIS FOR INFORMATIONAL PURPOSES ONLY. WE MAKE NO WARRANTY THAT THE TOOLS WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, OR BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE OR RELIABLE.
WellPay may choose not to provide service to you or to specific Provider at any time for any reason, including but not limited to, your creditworthiness, your history of transactions on our site, the Provider’s account history or any other reason. WellPay may cancel transactions at any time before a Provider delivers any goods or services if you violate any term of this Agreement.
You expressly authorize WellPay, Corp. to obtain consumer reports from consumer reporting agencies about you (1) when you apply for an Installment Credit, (2) periodically throughout the term of your Installment Credit (including in the month following the month when you pay off or otherwise satisfy the Installment Credit) and (3) periodically in connection with any other services you may obtain from us (including services involving financial management or credit profile tools we may offer). You expressly authorize us to use the information that we obtain from such reports to, among other things, market refinancings and WellPay’s current and future products and services to you (both during and after the term of your Installment Credit and the term of any other services you may obtain from us), provide you with other services (including financial management tools and credit profile tools) you may request, make decisions related to the servicing and collection of your account, measure how the Installment Credit you obtained from us impacts your credit, perform other statistical analysis, and share information with you about your credit profile.
You understand that WellPay may report information about your Installment Credit (such as on-time, late, and missed payments; any defaults; and the fact you paid off your Installment Credit) to credit reporting agencies.
You agree to allow WellPay to send you payment reminders from time-to-time. Notwithstanding whether you have consented or withdrawn your consent to the WellPay E-Sign Consent, you agree that payment reminders may take the form of any available communication. You also agree that if you fail to pay an amount owed to WellPay pursuant to this Agreement, WellPay may engage in collection efforts to recover such amounts from you. These collection efforts may involve contacting you directly, submitting your information to a collection agency, or taking legal action. FAILURE TO PAY MAY AFFECT YOUR CREDIT SCORE.
You agree that WellPay may provide you communications about your account and the WellPay Service electronically or through phone calls or in writing. Mobile, message, or data rates may apply and you are responsible for any such fees.
[Provider Name] would like to offer you the ability to receive text message reminders for all your healthcare, medical billing. Message and data rates may apply. Message frequency varies. Text “HELP” for help. Text “STOP” to cancel.
If you want to join again, just sign up as you did the first time and we will start sending messages to you again.
WellPay reserves the right to close or limit access to your account and immediately collect all due amounts if you withdraw your consent to receive electronic or other communications or if you revoke access to any third party site on which the WellPay Service relies (e.g., Plaid, etc.) or if any such service should revoke or cancel your account on that site. Any electronic communications will be considered to be received by you within 24 hours of the time we email it to you or otherwise send it to your attention (such as via sms or other online or mobile notification). We may assume you have received any communications sent to you by postal mail 3 business days after we send it.
If we need to contact you to service your account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, contractors and collectors of your account, to communicate with you in any way, such as calling, texting, or email via:
You also agree that these communications are not unsolicited for purposes of any state or federal law, and you understand that this may result in additional mobile, text message, or data charges.
You understand and agree that WellPay may, without further notice or warning and in our discretion, monitor or record telephone conversations you or anyone acting on your behalf has with WellPay or its agents for quality control and training purposes or for its own protection. You acknowledge and understand that, while your communications with WellPay may be overheard, monitored, or recorded without further notice or warning, not all telephone lines or calls may be recorded by WellPay, and WellPay does not guarantee that recordings of any particular telephone calls will be retained or retrievable.
Notwithstanding this provision, WellPay’s delivery of any Disclosures governed by the WellPay E-Sign Consent shall be governed by your consent or withdrawal of consent to receiving such Disclosures in electronic form.
If you grant express permission to a third party to take specific actions on your behalf, or access particular information about your account, either through your use of the third party’s product or service or through your WellPay account, you acknowledge that WellPay may disclose the information about your account that is authorized by you to this third party. You also acknowledge that granting permission to a third party to take specific actions on your behalf does not relieve you of any of your responsibilities under this Agreement. Further, you acknowledge and agree that you will not hold WellPay responsible for, and will indemnify WellPay from, any liability arising from the actions or inactions of this third party in connection with the permissions you grant.
When you provide information to WellPay or in connection with the WellPay Services, you agree to provide only true, accurate, current and complete information about yourself and you agree not to misrepresent your identity or your account information. You further agree to keep your account information up to date and accurate.
If you use the WellPay Services, you are responsible for any fees or other amounts that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge.
You may use one of the acceptable methods of payment to make one-time transactions to pay your account as payments become due or you may set up automatic monthly account payments.
Currently acceptable methods of payment are:
You are responsible for maintaining the secrecy of the login credentials to your WellPay account. You agree to establish reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals, which includes choosing passwords and other credentials in a manner that will protect the security of your information. Your credentials include your username and password to your WellPay account and to any third party account you have used to login to your WellPay account. You are also responsible for maintaining the accuracy of the information in your WellPay account.
The information on the WellPay website and other platforms is for information purposes only. It is believed to be reliable, but WellPay does not make any promises as to its completeness, timeliness or accuracy. The information and materials contained in the Website, and in this Agreement, are subject to change without notice.
Access to the Services may from time to time be unavailable, delayed, limited or slowed due to, among other things:
Links to non-WellPay websites are provided solely as pointers to information on topics that may be useful to users of the Services, and WellPay has no control over the content on such non-WellPay websites. WellPay makes no warranties concerning the content of such websites, including the accuracy, completeness, reliability of said websites, nor does WellPay warrant that such website or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. If you choose to follow a link to a website not controlled by WellPay, you must do so at your own risk. WellPay does not guarantee the authenticity of documents on the Internet. Links to non-WellPay websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such websites.
WellPay may close your account if you do not log in to your account or use the WellPay Services for two or more years. WellPay will retain your information in accordance with Section 3.7 above.
If you submit comments, ideas, or feedback to us, you agree that we can use them without any restriction or compensation to you. If we accept your submission, we do not waive any rights to use similar or related ideas or feedback previously known to us, developed by our employees, or obtained from sources other than you.
By using the WellPay Services, you agree that:
If a dispute arises between you and WellPay, our goal is to provide you with a neutral and cost-effective means of resolving the dispute quickly. In the event of a dispute we encourage you first to contact WellPay at [email protected] to try resolving your problem directly with us.
THIS SECTION AFFECTS YOUR RIGHTS, PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS OF SERVICE BY USING THE WellPay SERVICE OR THE WEBSITE. Except as explicitly provided in this Agreement, any dispute or claim relating in any way to your visit to the Website, your use of the WellPay Services, a product offered or provided by or through the Website or Service, or otherwise arising out of or relating to this Agreement or the Services that cannot be resolved directly between you and WellPay shall be resolved by non-appearance based binding arbitration, rather than in court. Except as otherwise provided in this Agreement, this includes any claims based in contract, statute, tort, fraud, misrepresentation or any other legal theory. The Federal Arbitration Act and federal arbitration law apply to this Agreement. There is no judge or jury in arbitration and court review of an arbitration award is limited, but an arbitrator can award an individual the same damages and relief as a court and must apply and follow the terms of this Agreement as a court would. YOU UNDERSTAND THAT ABSENT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.
Either you or we can initiate arbitration through the alternative dispute resolution provider the American Arbitration Association (the “AAA”) pursuant to the then-current Supplementary Procedures for Consumer-Related Disputes (the “Consumer Rules”), both of which are available at the AAA website www.adr.org. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are determined by the arbitrator to be excessive, WellPay will pay all arbitration fees and expenses.
The arbitration shall be conducted by telephone or electronic means and/or shall be solely based on written submissions, the specific manner of which shall be chosen by the party initiating the arbitration. The arbitration shall not involve any personal appearance by the parties or witnesses unless the arbitrator determines that an in-person hearing is necessary based on the request of one of the parties and any judgment on the award rendered by the arbitrator shall be final and may be entered in any court of competent jurisdiction. You and WellPay each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial and agree to proceed only on an individual basis and not in a class, consolidated, or representative action. The parties hereby appoint the arbitrator the exclusive power to rule on any challenges to the requirement for the use of alternative dispute resolution process in these terms.
We also both agree that you or we may bring suit in court to obtain interim or preliminary injunctive relief necessary to protect the rights or property of you or WellPay and all of its partners, affiliates, shareholders, employees, and agents of any kind (together, our “Affiliates”).
Except as explicitly provided elsewhere in this Agreement, all claims you bring against WellPay must be resolved in accordance with this Section. Any claim filed or brought contrary to this Section shall be considered improperly filed. Should you file a claim contrary to this Section, WellPay may recover from you attorneys’ fees and costs up to $1,500 per claim, provided that WellPay first has notified you in writing of the improperly filed claim and you have failed to promptly withdraw the claim.
You and WellPay agree that any arbitration shall be limited to the dispute between WellPay and you individually. To the fullest extent permitted by law, (1) no arbitration shall be joined with any other; (2) there is no right or authority for any dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (3) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.
You and WellPay agree that the following disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (1) any disputes seeking to enforce or protect, or concerning the validity of, any of your or WellPay’s intellectual property rights; and (2) any claim for injunctive relief.
WellPay operates and controls the Services from its offices in the United States. WellPay makes no representation that the Services are appropriate or available in other locations. The information provided on the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject WellPay to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. Software from the Services may be subject to United States export controls. Thus, no software from the Services may be downloaded, exported or re-exported (i) into (or to a national or resident of) Cuba, Iraq, North Korea, Iran, Syria, or any other country to which the United States has embargoed goods; or (ii) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading any software, you represent and warrant that you are not located in, under the control of, or a national or resident of, any such country or on any such list. The parties specifically disclaim application of the Convention on Contracts for the International Sale of Goods. These Terms of Service are effective until terminated by either party. You may terminate these Terms by destroying all Service-related materials obtained from the Service, WellPay or any other website or source and paying all amounts you owe (including any fees or expenses incurred or imposed by WellPay) in full. The privileges granted to you under these Terms of Service will terminate immediately and automatically without notice from WellPay if, in our sole discretion, you fail to comply with any term or provision of these Terms of Service. Neither the course of conduct between the parties nor trade practice will act to modify these Terms of Service. You may not assign these Terms of Service without WellPay’s prior written consent, but WellPay may assign these Terms of Service and its rights and obligations hereunder to any party at any time without any notice to you. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import. Upon WellPay’s request, you will furnish WellPay any documentation, substantiation or releases necessary to verify your compliance with these Terms of Service. You agree that these Terms of Service will not be construed against WellPay by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Service and the lack of signing by the parties hereto to execute these Terms of Service.
The failure of WellPay to exercise or enforce any right or provision of these Terms of Service does not constitute a waiver of such right or provision. These Terms of Service constitutes the entire agreement between you and WellPay with regard to your use of the WellPay Services and any previous Terms of Service that may exist between you and WellPay is hereby superseded. These Terms of Service cannot be changed or modified by you except as posted on the Services by WellPay. If any provision of this Agreement is held to be unenforceable, the unenforceable term or provision shall be replaced by an enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision and the remaining provisions shall be enforced. To the extent that anything in or associated with the Services is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. The laws of the State of Delaware govern your access to, and use of, the Services and the terms of this Agreement.
All content, design, graphics, compilation, magnetic translation, digital conversion and other matters to the Services are protected under applicable copyrights, trademarks and other proprietary rights (including but not limited to intellectual property rights) and owned by WellPay or one of its affiliates. The copying, redistribution, use or publication by you of any part of the Services, unless expressly permitted in this Agreement, is strictly prohibited. Use of the Services does not give you ownership of any intellectual property rights in any of the content, documents or other materials you access. The posting of information or materials on the Services does not constitute a waiver of any right in such information and materials.
“WellPay” is the marketing name for certain financial services activities of WellPay as operator of the Services. “WellPay” is a trademark of WellPay. Other featured words or symbols may be the trademarks of their respective owners.
You agree to indemnify, defend and hold WellPay and its Affiliates harmless from any liability, including reasonable attorneys’ fees, related to your use of the Services or any violation of these Terms of Service.
WELLPAY AND ITS AFFILIATES MAKE NO COMMITMENTS OR WARRANTIES ABOUT (i) THE CONTENT, RELIABILITY, OR AVAILABILITY OF THE SERVICES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SERVICES OR (ii) THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE WEBSITE, APP OR SERVICES. WellPay AND ITS AFFILIATES DISCLAIM, WITHOUT LIMITATION, ANY WARRANTY OF ANY KIND WITH RESPECT TO THE SERVICES, INCLUDING ANY WARRANTY REGARDING NON-INFRINGEMENT, ProviderABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. WellPay AND ITS AFFILIATES SHALL NOT BE RESPONSIBLE FOR ANY SERVICE INTERRUPTIONS, INCLUDING, BUT NOT LIMITED TO, SYSTEM FAILURES OR OTHER INTERRUPTIONS THAT MAY AFFECT THE RECEIPT, PROCESSING, ACCEPTANCE, COMPLETION OR SETTLEMENT OF PAYMENT TRANSACTIONS OR THE SERVICES.
WELLPAY AND ITS AFFILIATES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY PRODUCT AVAILABLE FROM OR THOUGH THE WEBSITE OR THE USE OF THE SERVICES. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, WellPay AND ITS AFFILIATES ARE NOT LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT, PRODUCT LIABILITY OR OTHERWISE; NOR ARE WellPay AND ITS AFFILIATES LIABLE FOR ANY THIRD PARTY CLAIMS OF ANY NATURE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS. NONE OF THE SERVICES WOULD BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, YOU OBTAIN FROM US FROM OR THROUGH THE WEBSITE OR SERVICES SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT. NEITHER WellPay NOR ITS AFFILIATES SHALL HAVE ANY LIABILITY FOR ANY FAILURE OR DELAY RESULTING FROM ANY CONDITION BEYOND THE REASONABLE CONTROL OF SUCH PARTY.
This Agreement is between you and WellPay. No user has any rights to force WellPay to enforce any rights it may have against you or any other user.
If you are a part of an agency, department, or other entity of the United States Government (“Government”), the use, duplication, reproduction, release, modification, disclosure or transfer of any of our products or Services is restricted in accordance with the Federal Acquisition Regulations as applied to civilian agencies and the Defense Federal Acquisition Regulation Supplement as applied to military agencies. The Service and any related software is a “commercial item,” “commercial computer software” and “commercial computer software documentation.” In accordance with such provisions, any use of the Service by the Government shall be governed solely by these Terms.
Notwithstanding any other provision of this Agreement, Sections 5.2, 5.3, 6.7, and 6.8, and the waiver of defenses provision of Section 6.1 shall not apply to a “covered borrower” under the Military Lending Act, as defined in 32 C.F.R. § 232.3(g). Furthermore, nothing in this Agreement shall be construed as applying to a covered borrower to the extent inconsistent with the Military Lending Act.
This E-Sign Consent constitutes your consent to receive disclosures and other information in electronic form. In connection with the WellPay Services, WellPay is required by law to provide you with certain disclosures. Without your consent, WellPay is not permitted to provide those disclosures to you online. If you do not consent to this E-Sign Consent, you should not use the WellPay Services.
Before using the WellPay Services, you will be asked to consent to the WellPay Terms of Service by clicking “Create Account.” This action constitutes your electronic signature and manifests your consent and agreement to the following terms:
You understand that, in order to view and/or retain copies of the Disclosures, you may need a computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); a mobile device (iOS 6.0 or higher devices running Safari or Chrome; Android 4.0 or higher devices running Android Browser or Chrome), a valid email address, a working mobile telephone number that can receive text messages, sufficient storage space to save Disclosures or the capability to print the Disclosures from the device on which you view them.
You are free to withdraw your consent at any time. If at any time you wish to withdraw your consent, you can send us your request by submitting a request through the ‘contact us’ link at www.wellpay.care, emailing [email protected] or writing to us at WellPay, Corp., 400 Concar Dr. San Mateo, California 94402. If you decide to withdraw your consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures will not be affected and WellPay may close or limit access to your account. You agree to pay any amount owed to WellPay even if you withdraw your consent and we close or limit access to your account.
Your consent to this E-Sign Consent means that Disclosures WellPay provides to you electronically shall have the same meaning and effect as if provided in paper form. A text message or email alerting you that Disclosures are available electronically, provided that the Disclosures are made available online shall have the same meaning and effect as if WellPay had provided those Disclosures to you in paper form, regardless of whether you actually view those Disclosures, unless you have withdrawn your consent pursuant to Section 3, above, prior to receiving such Disclosures.
You agree that WellPay may modify or change the methods of disclosure described herein, and that WellPay may send you Disclosures in paper form at its option. You can obtain a paper copy of an electronic Disclosure at no charge, provided that such request is made within a reasonable time after we first provided the electronic Disclosure to you. To request a paper copy of a Disclosure, contact Customer Care at (415) 935-4133.
You also agree that WellPay is not responsible for any delay or failure in your receipt of any text message or email notice that is not caused by WellPay’s failure to send such a notice to the phone number or email address you have provided for that purpose.