E-sign act consent (consent for use of electronic records and signatures)

Mar 22, 2022

This E-Sign Act Consent ("the E-Sign Consent") is a legally binding agreement between ShoulderTap Technologies Inc. d/b/a Fizz (“Fizz”), Lead Bank, and their its subsidiaries, affiliates, agents and assigns ("Fizz Card Parties," "us," "we," or "our") and you ("you," "your") regarding your use of products and services offered, operated or made available by the Fizz Card Parties, including Fizz’s facilitation of the extension of credit from Lead Bank (collectively, the “Services”).

Records to Be Provided in Electronic Form

The "Records" covered by this E-Sign Consent include, but are not limited to, all documents, communications, contracts, statements, notices, authorizations, and disclosures (including federal or state tax documents, statements, forms, and schedules) arising from or relating to your use or attempted use of any Service (including any loans you may apply for or receive, the servicing and collection of such loans) now and in the future. We reserve the right to decide which Records to provide electronically and when to request your electronic signature for those Records.

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As part of your use of our Services, you are entitled by law to receive certain information “in writing”. All Records in either electronic or paper format from us to you will be considered “in writing”. You acknowledge and agree that your consent to Records is being provided in connection with a transaction affecting interstate commerce that is subject to federal Electronic Signatures in Global and National Commerce Act (the “Act”), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. Please read this E-Sign Consent carefully and keep a copy for your records.

Scope of Your Consent

By agreeing to this this E-Sign Consent, you agree that you reviewed this E-Sign Consent and verified that you can print or save a copy of it with your records. You further give your express consent to receive, view, and electronically sign the Records we display on any website, through any web browser, or in any software application (including any application for mobile or handled devices), You agree that the electronic Records we send to your designated email address may include Records displayed in the email message, attached to it or displayed when you selected links included in the message. When a Record is
electronically displayed on your computer or your mobile or handheld device, you agree that your electronic signature for the Record may include clicking displayed buttons, selecting displayed boxes, typing your name in a designated field or otherwise selecting an electronic facsimile signature for the field, sending an email reply to a message transmitted to your designated email address, or taking other affirmative actions described when you view an electronic Record displayed on your computer or your mobile or handheld device. Your consent for our use of electronic Records and signatures will be effective unless you withdraw it in the manner described below.

How to Withdraw Consent

If you wish to withdraw your consent to receive Records electronically, you may do so by contacting us at ShoulderTap Technologies Inc. d/b/a Fizz, [email protected]. However, once you have withdrawn your consent you will not be able to request a loan from us, and you may be ineligible to use or obtain certain other Services. If you have a pending loan request that you made using the Internet we will terminate it and remove it from our system. If you have already received a loan, all previously agreed to terms and conditions will remain in effect, and we will send Records to your verified home address provided during registration.

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Request for Paper Records

After you have consented to receive Records electronically you would like to receive a paper copy of a Record we previously made available to you, you may request a copy by contacting us at ShoulderTap Technologies Inc. d/b/a Fizz ,[email protected]. We will send your paper copy to you by U.S. mail. A paper copy of the requested Records will be provided at no charge. A request for a paper copy of any Record will not be considered a withdrawal of your consent to receive Records electronically. Changing your Contact Information. It is your responsibility to provide us with a valid phone number, contact, email, and other information on file with Fizz, and to maintain and update promptly any changes in this information. You understand and agree that if we send you an electronic Record but you do not receive it because your valid phone number or email address or other contact information is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Records, we will be deemed to have provided the Record to you.
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Your use of a spam filter that blocks or re-routes emails from senders not listed in your email address book may impact your ability to receive our Records. Therefore, you must add Fizz to your email address book so that you will be able to receive the Records we send to you. You can update your contact information by logging into your account in the Fizz app.

Hardware and Software Requirements

To access, view, and retain electronic Records that we make available to you, you must have:

access to the Internet;
an email account and related software capable of receiving email through the Internet;
supported web browsing software (the most recent version of Google Chrome, Mozilla Firefox,
Microsoft Edge, or Apple Safari);
software that allows you to view and print or save PDF documents, such as Adobe Reader or
similar software;
hardware capable of running the software described above; and
a printer or long-term storage device that allows you to print or save electronic Records for future
reference.

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If you are obtaining a Service electronically via a mobile or handheld device (such as a smart phone or tablet), in addition to the above requirements you must have software on your device that allows you to print and save the Records presented to you. This software can typically be found in the device's respective "app store." If you do not have these capabilities on your device, please obtain the Service through a device that provides these capabilities.

Termination/Changes

We reserve the right, at our sole discretion, to discontinue the provision of your electronic Records, or to terminate or change the terms and conditions on which we provide electronic Records. We will provide you with notice of any such termination or change as required by law.

Consent

By clicking the button, or selecting the checkbox, displayed in connection with acknowledging and/or agreeing to this E-Sign Consent (or by otherwise taking an affirmative action indicating your agreement to this E-Sign Consent), you agree that:

You have received, read, and agree to all of the terms of this E-Sign Consent; and
You consent to your and our use of electronic Records and signatures in connection with and

PLEASE READ THIS E-SIGN CONSENT CAREFULLY AND PRINT OR SAVE A COPY FOR FUTURE REFERENCE TO VERIFY THAT YOU CAN KEEP THIS TYPE OF ELECTRONIC RECORD.

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ShoulderTap Technologies, Inc. d/b/a Fizz (“Fizz”) is not a bank. The Fizz Debit Mastercard® (“Fizz Card”) is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. Any loans you may be offered in connection with your use of the Fizz Card are originated by Lead Bank, a Missouri state-chartered bank. Any promotions or rewards you may be offered in connection with your use of the Fizz Card are offered and managed by Fizz, not our bank partners.

Fizz Members may choose to apply for a Fizz Card, but are not required to. Fizz Membership does not guarantee access to a Fizz Card. Application and eligibility restrictions apply. Over $300 in annual value of Fizz Card based on cash value available to Fizz Card users assuming half of all available rewards and promotions are used. Actual results may vary.

Fizz cardholders: Fizz reports your payment history on the revolving, open-end line of credit accessed by your Fizz Card. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. Fizz is required to report late payments, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including your activity with other creditors. The Fizz Card and related services will not remove negative credit history from your credit report. Fizz, on behalf of Lead Bank, will report your activities to Experian® and Transunion® .
For additional information, terms and conditions applicable to your use of Fizz’s services, please consult Fizz’s Terms of Use and Privacy Policy, the Cardholder Agreement, any Line of Credit Agreement in effect between you and Lead Bank and any and all other applicable terms, policies and guidelines made available to you through the Fizz services.

Selected customers reviews above describe individual experiences or results. Individuals in TikTok videos featured above are paid spokespeople. Selected customer reviews above describe individual experiences or results. Actual results may vary. App Store rating as of September 2024.

Credit score sliding scale feature is for informational purposes only. Credit score ranges based on information available on RentSpree. Car loan figures assume a loan value of $30,000 over 72 months and based on information available on CNN. Student loan figures assumes a $35,000 private student loan with a 10-year term and based on information available on CNBC, NerdWallet and Credible. Apartment approval based on information available on BI and RentSpree.

Fizz is not a credit repair tool and does not offer any form of credit counselling services. Fizz makes no representation or promise that it will improve your credit score, history, or profile or provide you with any assistance in that regard. None of Fizz’s services, including your ability to check your credit report and/or score through the Fizz App, is offered or provided with respect to the extension of credit by third parties. Fizz and its affiliates are not credit repair organizations or credit services organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating, obtaining an extension of credit for you, or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating.

For people with disabilities, including those who are visually impaired, deaf, or hard of hearing, we accept messages via our in-app chat, emails at [email protected], and calls on our answering machine at (940) 260-2704. If you leave us a voicemail, please leave your name and number and a member of our customer support team will return your call.

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