Electronic Consent Agreement

1. Overview

By continuing to access, use, or submit information through our website or digital forms, you agree to this Electronic Consent Agreement, which governs the use of electronic communications, records, disclosures, signatures, and transactions between you and the Company. This notice complies with the E-SIGN Act, the FTC, CCPA/CPRA, GDPR, and other applicable laws and guidelines.

2. Your Consent to Electronic Communications

You consent to receive disclosures, agreements, privacy notices, authorizations, loan estimates, terms & conditions, and all other legal or regulatory documents electronically via:

• This website
• Email
• Electronic signature platforms
• Online forms and submission tools

3. Scope of Consent

Your consent applies to:

• All information provided electronically through https://ohiofixandfliploans.com
• All services and products offered by us
• All communication and documentation associated with such products or services

4. Your Right to Paper Copies

You have the right to receive a paper copy of any record we provide electronically. You may request a free paper copy by emailing Daniel@ohiofixandfliploans.com with the subject line “Paper Copy Request”.

5. How to Withdraw Consent

You may withdraw your consent to receive electronic records by emailing us at Daniel@ohiofixandfliploans.com. Please note:

• Withdrawal may delay or prevent certain transactions.
• We may terminate your access or restrict our services if electronic communications are essential to fulfilling obligations.

6. Hardware and Software Requirements

To access and retain electronic records, you must have:

• A computer or mobile device with internet access
• A current version of a web browser (e.g., Chrome, Safari, Edge)
• A valid email address
• Software to read and retain PDF documents (e.g., Adobe Acrobat Reader)
• Printer or storage device if you wish to print or save documents

7. Privacy, Security, and Compliance

We maintain strict security and privacy protocols aligned with:

• FTC Advertising & Transparency Rules
• CCPA / CPRA for California Residents
• GDPR for European Users
• Consent Mode v2 (Google Ads & Analytics)
• General U.S. consumer protection and financial disclosure laws

For full privacy rights and data use disclosures, please refer to our Privacy Policy and Terms of Use.

8. User Acknowledgment

By submitting your information, electronically signing, or clicking any “Submit”, “Agree”, or similar button, you confirm:

• You have read this agreement
• You understand and consent to receive electronic communications
• You meet the system requirements
• You can print or save a copy of this agreement for your records

9. Governing Law

This Agreement is governed by the laws of the State of Ohio and applicable federal laws, including the E-SIGN Act. If you access our services from outside the U.S., you are responsible for compliance with local laws.