Electronic Communication & e-Sign Disclosure

Smart Lending – Electronic Communication & E-Sign Disclosure

Effective Date: August 2025
Last Updated: August 2025

1. Introduction

This Electronic Communication & ESign Disclosure (“Disclosure”) applies to all communications between you and Smart Lending (“Smart Lending,” “we,” “our,” or “us”) in connection with your use of our website, applications, loan inquiry process, and related services (“Services”).

By consenting to this Disclosure, you agree that we may provide you with all required disclosures, notices, agreements, and other communications in electronic form and that your electronic signature carries the same legal effect as your handwritten signature.

2. Scope of Consent

Your consent applies to:

  • This Disclosure and any related agreements.
  • All legal and regulatory disclosures, including loan application terms, privacy notices, and consent forms.
  • Any statements, authorizations, or other notices we may be required to send you by law.
  • Communications about your loan inquiry, account, or related services.

3. Delivery Methods

We may provide electronic communications by:

  • Posting them on our website or secure online portal.
  • Sending them by email to the address you provide.
  • Displaying them within an online application or mobile interface.
  • Sending them via SMS/text message when applicable and permitted.

You should print or save a copy of all electronic communications for your records.

4. Consent to Use Electronic Signatures

By clicking “Submit,” checking a consent box, typing your name, or otherwise electronically signing a document on our website or through our technology provider:

  • You agree your electronic signature has the same legal force as your handwritten signature.
  • You agree we may rely on it as evidence of your consent and agreement to the terms presented.

5. Paper Copies

You may request a paper copy of any electronic communication by contacting us at:
Email: privacy@smartlending.com
Phone: 866-214-0004
Mail: Smart Lending Corporation – Customer Service

1111 6th Ave Ste 300, San Diego, CA 92101

We may charge a reasonable fee for providing paper copies if not otherwise prohibited by law.

6. Withdrawing Consent

You may withdraw your consent to receive electronic communications at any time by contacting us at:
Email: privacy@smartlending.com
Phone: 866-214-0004
Mail: Smart Lending Corporation – Customer Service

1111 6th Ave Ste 300, San Diego, CA 92101

If you withdraw consent:

  • We will send future communications in paper form.
  • This may delay the processing of your application or restrict our ability to provide Services.
  • Withdrawal will not affect the legal validity of prior electronic communications.

7. Updating Your Contact Information

You are responsible for providing us with a valid, accurate, and current email address, phone number, and mailing address so that we can communicate with you electronically.
You can update your contact information by emailing privacy@smartlending.com or calling 866-214-0004.

8. Hardware & Software Requirements

To receive and retain electronic communications, you must have:

  • A computer, smartphone, or tablet with internet access.
  • A current web browser that supports secure encryption.
  • A valid email account.
  • Software capable of opening PDF files.
  • Sufficient storage space to save documents or a printer to print them.

If the requirements change and that change creates a material risk that you may not be able to access or retain electronic communications, we will notify you and provide information on how to update your system or withdraw consent.

9. Federal Law Compliance

You acknowledge that your consent meets the requirements of the Electronic Signatures in Global and National Commerce Act (ESIGN Act) and other applicable electronic transaction laws.

10. Consent & Acknowledgment

By proceeding with our Services, you acknowledge that you:

  • Have read and understood this Disclosure.
  • Consent to receive communications electronically and to use electronic signatures.
  • Have the required hardware and software to access and retain electronic communications.
  • Understand you may withdraw your consent as described above.

If you agree, you should save a copy of this disclosure for your records.

Please read the privacy policy here.

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Smart Leading | SmartLending.com cannot guarantee the lowest rate or that people with poor credit will be approved for a home loan program. Interest rates are subject to change and not all loan products may be available in all states.

Smart Lending is a finance marketing company and does not make loans or guarantee rate locks, rather we connect consumers with trusted lenders, bankers, and credit unions.

Smart Lending © 1999 – 2023 and Beyond, All rights reserved.

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Terms and conditions apply. SMARTLENDING RESERVES THE RIGHT TO MODIFY OR DISCONTINUE LOAN PRODUCTS & BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet the associated lenders underwriting requirements. Not all borrowers receive the lowest interest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, credit score, income, and other factors. If SmartLending matches you for a loan with a participating bank, then your rate may be applicable to rates at that time. Rates and Terms are subject to change at any time without notice. Personal Loans can be used for any lawful personal, family, or home purposes. See legal site for state-specific license details from participating lenders.