This Electronic Signatures and Digital Records Notice ("E-Sign Notice") outlines the terms under which AddrClear Verification Systems LLC ("AddrClear," "we," or "us") furnishes verification records, portal notices, referral consents, and statutory disclosures electronically through addrclear.com.
1. Legal Effect of Digital Records & Affirmations
When you check the electronic consent box and submit a verification session on addrclear.com, you agree that all disclosures, agreements, status summaries, and partner connection authorizations may be delivered in digital format. Pursuant to the federal ESIGN Act (15 U.S.C. § 7001 et seq.) and state electronic transaction laws, your electronic affirmation constitutes an enforceable signature equivalent to a physical ink endorsement.
2. Browser & Device Prerequisites
Accessing and archiving electronic records requires: (i) an internet-enabled computer or mobile device; (ii) a modern browser supporting TLS encryption and JavaScript (current or prior major version of Chrome, Firefox, Safari, or Edge); (iii) a valid email account; and (iv) local storage capacity or printing capability to save HTML or PDF copies.
3. Obtaining Paper Copies
You may print or save any screen directly from your browser without charge. To request a mailed paper copy of a platform disclosure executed on addrclear.com, contact our compliance desk at [email protected] or (888) 371-6040 with your full name and mailing address. Paper copies of AddrClear disclosures are supplied free of charge.
4. Withdrawing Consent & Maintaining Current Coordinates
You may withdraw consent to future electronic delivery before completing a portal referral by writing to [email protected] or mailing notice to AddrClear Verification Systems LLC, 1313 N Market St, Suite 5100, Wilmington, DE 19801. Withdrawal does not affect the validity of records executed prior to receipt of your request, though online portal workflows cannot proceed without active electronic consent. Please inform [email protected] promptly if your email address changes.
Important Authorization Summary: AddrClear Verification Systems LLC administers file lookup, record verification, and optional third-party financial partner routing via addrclear.com. Commercial receivables purchases (merchant cash advances) apply exclusively to eligible business entities and self-employed operators rather than W-2 wage earners, and AddrClear does not extend commercial advances directly in this flow. At your voluntary direction, AddrClear can connect your verified profile with participating third-party finance providers and lenders ("Participating Partners") that evaluate loan or credit options tailored to your profile.
1. AddrClear Is Not a Lender or Credit Issuer
AddrClear Verification Systems LLC is not a bank, consumer lender, loan broker, or underwriting decision-maker. Our role in this portal step is strictly limited to transmitting your verified inquiry—at your explicit request—to independent Participating Partners. AddrClear does not set interest rates, APRs, origination fees, or repayment terms and makes no guarantee that any Participating Partner will present an offer.
2. Scope of Data Shared Upon Your Consent
By agreeing below, you instruct AddrClear to share the details associated with your verified file (which may encompass legal name, residential address, contact coordinates, birth date, Social Security number, employment/income records, and requested amount) with one or more independent Participating Partners so they may assess eligibility and communicate potential offers.
3. Express FCRA Credit Report Authorization
Participating Partners—not AddrClear—may review your credit file. Checking the consent box and submitting below provides your express written instruction under the Fair Credit Reporting Act (FCRA) authorizing each receiving Participating Partner to obtain consumer credit reports from credit reporting bureaus, which may include soft inquiries or hard credit pulls capable of impacting your credit score. Do not proceed if you do not wish Participating Partners to evaluate your credit report.
4. Participating Partner Outreach & Communications
Executing below authorizes matched Participating Partners and their service providers to contact you by telephone or email at the contact coordinates associated with your verified file regarding your inquiry and potential credit options, even if your number appears on a state or federal Do-Not-Call registry. Partner outreach authorization is never a condition of purchasing any product or service and may be revoked directly with any Participating Partner at any time.
5. Independent Partner Governance
Following connection, any application, credit review, contract, funding, or servicing is governed solely by that Participating Partner's terms and privacy policy. AddrClear's handling of platform records is governed by our Privacy Policy (inquiries: [email protected]).