Consent to Receive Electronic
Loan Documents

Please read this information carefully and retain a copy for future reference.


The words “we,” “our” and “us” mean Fraction. The words “you” and “your” mean the applicant who submits an online loan application (“Application”). “Loan Documents” means any information that we are required by law to provide to you in writing in connection with your Application or any information we may otherwise provide to you relating to any related loan you obtain from us.

Your Consent

In order to submit an Application, you must provide consent for Fraction to provide Loan Documents to you electronically. Your consent for electronic delivery will apply to all Loan Documents for the applicable loans for which you are applying. By providing your consent, we will conduct the transaction electronically, enabling you to sign and authorize Loan Documents electronically, rather than on paper.

If you do not want to consent to electronic delivery of Loan Documents, you will not be able to submit an Application to us.

Method of Delivery

We may, at our discretion, make Loan Documents available to you via our website or by email, and may choose to provide you with paper copies of Loan Documents even though we made or could have made them available to you electronically. If Loan Documents are provided on our website, we will notify you of their availability and how to access them by sending you an email.

Hardware and Software Requirements

Before you consent, you should consider whether you have the following required hardware and software capabilities to access, view, and retain Loan Documents:

  • A valid working email account
  • A computer with Internet access
  • An Internet browser using 128 bit encryption or higher
  • Adobe Acrobat 7.0 or higher
  • SSL Encryption
  • Access to a printer or ability to download in order to keep copies of your Loan Documents for your records.

If software or hardware requirements change in the future, we will make reasonable efforts to notify you of such changes before they occur. If you choose to withdraw your consent upon notification of the change, you will be able to do so without penalty.

Updating Your Contact Information

You must promptly inform us of any change in your email address or other information needed to contact you electronically by calling us at +1 (800) 785-0263. We will not assume liability for non-receipt of notification of the availability of Loan Documents in the event that your email address on file is invalid, your email or Internet service provider filters the notification as "spam" or "junk mail", there is a malfunction in your computer, browser, Internet service and/or software; or for other reasons beyond our control.

Acknowledgement and Consent of Electronic Communications

By submitting an application, you acknowledge that you can access Loan Documents that are provided to you by the methods described above and agree to receive Loan Documents electronically.