This Electronic Consent disclosure explains how Minto Money (we, us, or our)—the d/b/a of Minto Financial—may deliver disclosures, notices, and loan documents electronically, and how you may sign documents online. It is provided so you can make an informed decision before consenting, consistent with the Electronic Signatures in Global and National Commerce Act (ESIGN Act) and other applicable law.
Read this page carefully. If you do not want to receive documents electronically or sign online, do not provide electronic consent. You may still contact Customer Care about paper options described below.
What You Are Consenting To
If you agree to electronic consent, you agree that we may:
- Provide required disclosures, agreements, Truth-in-Lending statements, payment authorizations, adverse-action notices (when applicable), account statements, and related communications in electronic form
- Accept your electronic signature as the legal equivalent of a handwritten signature for applications, loan agreements, and related documents
- Deliver documents by email, secure website display, downloadable PDF, or other electronic methods we make available
Your consent covers documents related to applying for, opening, and servicing a Minto Money installment loan, unless you withdraw consent as described below (subject to applicable law and any documents already signed).
Hardware and Software Requirements
To receive and retain electronic documents, you generally need:
- A device capable of accessing the internet (computer, tablet, or smartphone)
- A current web browser that can display HTTPS websites and PDF files, or software that can open PDF documents
- A valid email address you can access
- Sufficient storage or printing capability if you want to keep paper copies
- Access to software that can display HTML and PDF content
If we change hardware or software requirements in a way that creates a material risk that you will not be able to access or retain electronic records, we will provide a statement of the revised requirements as required by applicable law and give you an opportunity to withdraw consent without fees or consequences prohibited by applicable law (other than those that apply because electronic delivery is a condition of online products).
Your Responsibilities
You agree to:
- Keep your email address current with us
- Monitor your inbox (and spam/junk folders) for messages from Minto Money
- Maintain access to hardware and software that meet the requirements above
- Download or print documents you want to keep in paper form
- Notify us promptly if you have trouble accessing a document we sent
Failure to maintain a working email address may delay important notices. Account-servicing messages may still be sent electronically while consent remains in effect.
How to Withdraw Consent
You may withdraw electronic consent by contacting Customer Care:
- Phone: (844) 446-8686
- Email: [email protected]
- Mail: PO Box 58882, Minto, AK 99758
Hours: Monday–Friday 7:00–19:00 CT; Saturday 8:00–16:30 CT.
Withdrawal is effective after we have a reasonable opportunity to process your request. Withdrawal does not change the legal effect of documents you already signed electronically. If electronic delivery or electronic signature is required to use our online application or account services, withdrawing consent may mean you can no longer complete new online transactions with us. We will explain any consequences that apply under your agreement and applicable law when you request withdrawal.
How to Request Paper Copies
You may request a paper copy of an electronic document we provided by contacting Customer Care using the channels above. Tell us which document you need and the approximate date. We will provide a paper copy as required by applicable law or your agreement. Reasonable fees for paper copies may apply if allowed by applicable law and disclosed to you; ask Customer Care about any fee before you request multiple copies.
Requesting a paper copy does not automatically withdraw your electronic consent. Say so expressly if you also want to withdraw consent.
Scope Limits
Electronic consent does not:
- Approve a loan or guarantee any amount or funding timing
- Change fee, APR, or payment terms shown in your loan agreement
- Replace the need to read each disclosure before you sign
- Authorize marketing texts unless you separately consent under our mobile communications terms in the Terms of Use
Funding, if any, remains subject to verification and approval. Timing may vary by financial institution.
Effect of Electronic Signatures
When you apply an electronic signature (for example, by clicking to agree, typing your name where indicated, or using another method we provide), you intend to sign the document and agree to be bound by it to the same extent as a wet-ink signature, as permitted by the ESIGN Act and other applicable law.
Do not sign if you do not understand the document. If you need more time, exit the flow and return later, or contact Customer Care. Our guide on reading your loan agreement may help you review key sections before you sign.
Privacy of Electronic Delivery
Electronic delivery uses the contact information and systems described in our Privacy Policy and Data Collection pages. Protect access to your email and devices. Use only official getmintomoney.com pages when signing documents.
Questions
If you have questions about this E-Consent disclosure before you agree:
Customer Care
Phone: (844) 446-8686
Email: [email protected]
Mail: Minto Money, PO Box 58882, Minto, AK 99758
Related pages: Terms of Use · Privacy Policy · Data Collection · Contact Us