Electronic Communications & E-SIGN Consent

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Effective date: [EFFECTIVE_DATE]

This Electronic Communications and E-SIGN Consent (“Consent”) describes how Mango Stock Mortgage delivers disclosures, notices, and other communications to you electronically under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. §7001 et seq.) and similar state laws.

Scope of consent

You consent to receive electronically any disclosures, notices, agreements, statements, records, and other communications (collectively, “Communications”) that we or our lender partners are required by law to provide to you in writing in connection with your mortgage inquiry, application, loan estimate, closing disclosure, and servicing communications.

Methods of delivery

Communications may be delivered by email, by posting on a secure borrower portal, through an e-signature platform such as DocuSign or equivalent, or by SMS link (subject to your separate SMS consent).

Hardware and software requirements

  • A current, supported version of a major web browser (Chrome, Edge, Firefox, Safari).
  • An active email account and the ability to receive and read PDF documents (Adobe Reader or equivalent).
  • Sufficient storage to save or print Communications you wish to retain.
  • A device with a screen large enough to read mortgage disclosures comfortably.

Paper copies

You may request a paper copy of any Communication at no charge by contacting us at [SUPPORT_EMAIL]. Requesting a paper copy does not withdraw your consent unless you say so.

Withdrawing consent

You may withdraw consent at any time by emailing [SUPPORT_EMAIL] with the subject line “Withdraw E-SIGN Consent.” Withdrawing consent will not affect the legal validity or enforceability of Communications provided before withdrawal. Withdrawal may delay processing of your loan and may result in additional time and fees.

Updating your contact information

You agree to keep us informed of any change to your email address or other contact information. You can update your information by emailing [SUPPORT_EMAIL].

Confirmation

By proceeding with an application or by clicking “I agree” where presented, you confirm that (a) you can access and read this Consent in its current electronic form, (b) you have the required hardware and software, and (c) you consent to receive Communications electronically.