Electronic Record and Signature Disclosure
This privacy policy was last updated on October 17, 2025
Electronic Signature: When you apply your signature in the indicated boxes on this Authorization, you are providing your electronic signature on this Authorization. By electronically signing this document, You are agreeing to all the terms and conditions set forth in this Authorization and certifying that all information you have provided in connection with it is complete and accurate, and that you have the authority to authorize us to initiate debit and credit entries from the Bank Account. You agree that your electronic signature will have the same force and effect and shall bind you in the same manner and to the same extent as a physical signature would do, in accordance with the Electronic Signatures in Global and National Commerce Act (“ESIGN”) to the extent applicable. You also agree that this Authorization and all related documents are electronic records and that, as such, they may be transferred, authenticated, stored, and transmitted by electronic means.
Electronic Records: From time to time, Kwai Credit (“we”, “us” or “Company”) may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to this Electronic Record and Signature Disclosure (ERSD), please confirm your agreement by selecting the checkbox next to “I consent to Electronic Record and Signature Disclosure.” before clicking “Submit”.
Getting paper copies
At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. You will have the ability to download and print documents we send to you for signature during and immediately after the signing session. After such time, if you wish for us to send you paper copies of any such documents from our office directly to you, you will not be charged a fee. You may request delivery of such paper copies from us by following the procedure described below.
To request paper copies from Kwai Credit
To request delivery from us of paper copies of the notices and disclosures previously provided by us to you electronically, you must send us an email to support@kwaicredit.com and in the body of such request you must state your email address, full name, mailing address, and telephone number.
Withdrawing your consent
If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that you want to receive all future required notices and disclosures in paper format only.
Consequences of changing your mind
If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can (i) complete certain steps in performing transactions with you, and/or (ii) provide services to you. This is because we may need to first send the required notices or disclosures to you in paper format, and/or wait until we receive back from you your acknowledgment of receipt of such paper notices or disclosures. Further, you will no longer be able to receive certain required notices or disclosures from us, or to consent to or electronically sign documents from us.
All notices and disclosures will be sent to you electronically
Unless you tell us otherwise in accordance with the procedures described herein, we will electronically provide to you all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you (“Documents”). Documents will be provided using our own or third-party electronic signature platforms, email, or other proprietary or third-party document delivery and communication systems. To reduce the chance of you inadvertently not receiving a notice or disclosure, we prefer to provide all of the required notices and disclosures to you by the same method and to the same address that you have given us. Thus, you can elect to receive Documents either electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. Please also see the paragraph immediately above that describes the consequences of you electing not to receive delivery of the notices and disclosures electronically from us.