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Electronic Communication Consent

Effective date: March 18, 2026

This consent explains how Paydey Cash Advance: Peak Loan may communicate with you electronically about your use of the Services, your request, and related notices.

1) Consent to Electronic Records and Communications

By accessing, applying through, or otherwise using Paydey Cash Advance: Peak Loan, and by providing your email address and/or phone number, you affirmatively consent to receive records, disclosures, notices, agreements, and communications in electronic form to the fullest extent permitted by applicable law, including (where applicable) the U.S. Electronic Signatures in Global and National Commerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA), as adopted in relevant jurisdictions.

Your consent applies to communications from Paydey Cash Advance: Peak Loan and, where disclosed and permitted by law, to communications from independent third‑party lenders, service providers, and partners involved in evaluating, processing, servicing, or communicating about your request.

2) Scope of Electronic Communications Covered

This consent covers, without limitation, electronic delivery of:

Electronic communications may be provided by email, SMS/text message, in‑app message, website posting, portal message center, or other electronic means consistent with law and available product functionality.

3) Methods of Delivery and Communication Channels

You agree that communications may be transmitted through one or more channels, including:

You acknowledge that system, telecom, carrier, or internet conditions may affect message timing and delivery. We do not warrant uninterrupted or error‑free delivery of electronic communications.

4) Hardware and Software Requirements

To access and retain electronic records, you are responsible for maintaining:

You confirm that you can access information in the electronic format used in the Services and that you can print or save records for future reference.

5) Your Duties Regarding Contact Information and Delivery

You are responsible for keeping your contact information accurate and current at all times. If your email address, phone number, or other contact details change, you must promptly update your information through the Services (if available) or by contacting [email protected].

You are also responsible for monitoring your email account, SMS inbox, spam/junk folders, and any in‑app notice center for communications related to your request and use of the Services.

6) Legal Effect of Electronic Notices

To the extent permitted by law, you agree that electronic communications satisfy any legal requirement that communications be provided “in writing.” You further agree that your electronic actions—such as clicking acceptance buttons, checking consent boxes, or submitting forms—may constitute your electronic signature and have the same legal force and effect as a handwritten signature.

Records are deemed delivered when sent to the contact point you provided (or when posted in an authorized electronic location made available to you), regardless of whether you actually open, review, or read them, subject to mandatory legal exceptions.

7) Marketing Communications (Where Permitted and Consented)

If you consent to marketing communications (where required), you may receive promotional emails, texts, or calls from Paydey Cash Advance: Peak Loan and/or independent third‑party partners as disclosed in the application flow and allowed by law. Message frequency may vary, and standard message/data rates may apply for SMS.

Marketing consent is not, by itself, a guarantee of loan offers, approval, or specific terms, and does not alter the independent decisioning authority of third‑party lenders.

8) Withdrawing Consent to Electronic Delivery

You may withdraw consent to receive electronic records by contacting us at [email protected]. Withdrawal may take reasonable time to process and may limit or terminate access to certain services or workflows that rely on electronic delivery.

Withdrawal does not retroactively invalidate records, disclosures, notices, or consents provided before the withdrawal effective date.

9) Requesting Paper Copies

Where legally required, you may request paper copies of certain records by contacting us at [email protected]. We may charge a reasonable fee for paper copies where permitted by law and where the request is not otherwise legally required to be provided at no cost.

10) Record Retention and Access

Electronic records may be retained for legal, audit, compliance, fraud prevention, and operational purposes for periods required or permitted by law. Availability of records in your account interface (if any) may vary by product and retention schedules.

11) Security and Risk Disclosure

We use administrative, technical, and organizational safeguards designed to protect information; however, no electronic transmission or storage method is completely secure. You are responsible for safeguarding your devices, credentials, and account access methods.

If you suspect unauthorized account access or compromise of your communication channels, contact us promptly and take immediate steps to secure your accounts.

12) Carrier and Third‑Party Limitations

For SMS and voice communications, wireless carriers and telecommunications intermediaries are not liable for delayed or undelivered messages. Message delivery may be restricted by carrier policies, device settings, geographic coverage, or technical outages.

13) Dispute and Evidentiary Matters

You agree that electronic logs, timestamps, consent records, and system records maintained in the ordinary course of business may be used as evidence of communications, notice delivery, and consent capture, subject to applicable evidentiary rules and non‑waivable consumer protections.

14) Changes to This Electronic Communication Consent

We may update this consent from time to time to reflect legal, operational, or product changes. Updated versions may be posted electronically, and where required by law, additional notice will be provided. Your continued use of the Services after an updated consent becomes effective constitutes acceptance to the extent permitted by law.

15) Contact Information

Company: Loan Peak Powder, LLC
Phone: (478) 559-6646
Email: [email protected]
Address: 4220 Normandy Ave, Dallas, TX 75205

Important: Even if you opt out of marketing messages, we may still send communications that are transactional, security‑related, operationally necessary, or legally required (for example, fraud alerts, account/service notices, and policy or legal updates).