Electronic Consent Agreement | ASBNow E-Sign & Loan Disclosures

Last Updated: March 26, 2026

Introduction

By clicking “Submit,” checking the consent box, or otherwise completing and submitting an application on www.asbnow.com you consent to receive electronic disclosures, notices, records, and signatures related to your application and any offers from third-party lenders. This Electronic Consent Agreement explains what you are agreeing to, how electronic delivery works, and how to withdraw or change your consent.

When you provide e-consent you are agreeing that:

You can access and retain electronic records in the formats described below.
Electronic communications (email, SMS/text, and messages delivered through the Site) are an acceptable and effective method for providing disclosures and notices.
You understand that ASBNow is a connector/lead generator and that many documents you receive will come directly from third-party lenders; requests for paper copies of lender documents must be made to the lender, not ASBNow.

This agreement is an electronic record and your consent has the same legal effect as a handwritten signature to the extent permitted by law.

Electronic Delivery of Disclosures and Notices

We and our lender partners may deliver required disclosures, notices, contracts, adverse action notices, and other documents electronically to the contact information you provide (for example, the email address or mobile phone number on your application).

Typical methods of electronic delivery include:

Email (PDF or HTML attachments or links).
SMS/text message with a secure link.
A secure portal or message center on the Site controlled by ASBNow or a partner lender.

What you may receive electronically:

Loan offers and related terms.
Privacy notices and consent confirmations.
Adverse action notices or loan denials (if provided by a lender).
Receipts, payment schedules, and servicing notices (when applicable).
Any other legally required disclosures connected to your application.

Some lenders may communicate directly with you after receiving your application and will use the contact information you provided. Those communications and any subsequent lender documents are governed by the lender’s own disclosure and delivery practices.

Requesting Paper Copies

You have the right to request a paper copy of any document a lender provides to you electronically. Important points:

Make the request to the lender that sent the document, not to ASBNow. We facilitate connections but do not originate loans.
A lender must provide a paper copy in accordance with applicable law; the lender may require verification of identity before delivering paper records.
If you prefer paper copies from the outset, you should notify the lender directly as soon as you are contacted by them.

If you need help identifying the lender contact information, email email@asbnow.com and we will assist in locating the lender’s contact if possible, but we cannot force a lender to provide a paper copy or act as the lender’s agent for record delivery.

Withdrawing Your Consent

You may withdraw this E-Consent at any time. However, withdrawing consent has consequences:

Effect on your application: If you withdraw consent before a lender has received your application and processed it electronically, your application may be cancelled or delayed. In many cases, withdrawing consent will prevent further electronic processing and may cause your request to be closed.
How to withdraw: To withdraw consent for ASBNow communications, contact us at email@asbnow.com and clearly state that you are withdrawing your electronic consent. Include the name and email/phone used on your application. To withdraw consent to receive electronic communications from a specific lender, you must contact that lender directly.
Timing: A withdrawal is effective after a reasonable period needed to process the request; it will not affect disclosures or communications already sent while your consent was in effect.
Consequences: If you withdraw consent and then later want to proceed with electronic processing, you may be required to re-submit your application and provide fresh consent.

Hardware and Software Requirements

To receive, access, and retain electronic records, you must have the necessary hardware, software, and Internet access. Minimum recommended requirements:

Requirement	Minimum / Recommended
Internet connection	Broadband or mobile data capable of downloading PDF/HTML
Web browser	Recent version of Chrome, Edge, Firefox, Safari, or equivalent
PDF reader	Adobe Reader or other PDF viewer that can open, save, and print PDFs
Email	Active email account with sufficient storage
Mobile device	iOS or Android device with current OS for SMS links (if applicable)
Security	Ability to receive emails and texts securely; consider using password protection and device locks

Notes and tips:

If a document is provided as a PDF, you must be able to open and view PDF files, save them, and print them if you want a paper copy.
If a document is provided as an HTML page or secure portal, you must be able to access the Site with a compatible browser and, in some cases, enable cookies or JavaScript.
Some lenders may require additional software (for example, a mobile app) to view certain documents, those requirements will be communicated by the lender.
If you lack the necessary hardware or software, request a paper copy from the lender. See Requesting Paper Copies above.

How Electronic Signatures Work (E-Sign Act / Electronic Records Agreement)

By consenting electronically, you agree that electronic signatures, checkboxes, typed names, and other electronic actions you take on the Site constitute your signature, authorization, and intent to be legally bound, to the extent permitted by the E-SIGN Act, the Uniform Electronic Transactions Act (UETA), and other applicable law.

Electronic records may be retained in electronic form. You have the right to receive paper copies from the lender; see the section above for how to request them.

Security, Retention & Storage of Electronic Records

We and our partners take commercially reasonable steps to protect electronic records while they are under our control. Typical protections include:

Transmission protections (for example, SSL/TLS).
Secure servers with restricted access.
Authentication and verification for portal access.

Retention:

Electronic records will be retained for the period required by applicable law and in line with lender and service provider document retention policies.
If you would like a copy of your records, request them from the lender or contact email@asbnow.com for assistance in locating the appropriate contact.

ASBNow is not the lender; lenders set their own retention and destruction policies for loan documents.

Updating Your Contact Information

To ensure you receive electronic records and lender communications, keep your contact information current.

How to update:

Update your information on the Site or in your account if such tools are available.
Notify ASBNow at email@asbnow.com with your name, application details, and updated contact info.
Inform any lender that has already received your application directly, changes communicated to ASBNow may not propagate to lenders that already have your record.

We are not responsible for communications sent to contact information you provided before updating it.

Withdrawal & Paper Copy Summary (Quick Reference)

To withdraw consent to ASBNow electronic delivery: email email@asbnow.com. Withdrawal may cancel your application.
To request a paper copy of a lender disclosure: contact the lender who sent the document. We can help identify the lender’s contact if possible.
To update contact information: update on Site (if possible) and notify email@asbnow.com and any lender already handling your application.

Limitations & Additional Considerations

Mobile carriers may charge message or data fees for SMS delivery of links. ASBNow is not responsible for carrier charges.
Electronic delivery does not guarantee the content cannot be intercepted; use secure email and device protections.
If your primary email bounces or SMS fails, lenders may attempt alternative contact methods; failing contact may affect your application.
If you need regulatory or legal advice about electronic signatures or records, please consult an attorney, this Agreement does not provide legal advice.

Contact Us

If you have questions about this E-Consent Agreement, need help withdrawing consent, or want assistance contacting a lender for a paper copy, contact:

Email: email@asbnow.com

When contacting us, include the name and email/phone used on your application to help us locate your request faster.

ASBNow is a loan-service and marketplace platform — not a lender. This website provides a service that connects consumers with third-party lenders and financial partners who may consider your request for credit. We do not underwrite loans, we do not make credit decisions, and we do not guarantee that any visitor who submits an inquiry will receive an offer, be approved, or be funded. Submitting a request through ASBNow is voluntary and does not obligate you or any lender to enter into a loan agreement. We collect and transmit the information you provide to participating lenders and partners so they can review your application. That transmission does not create a contractual obligation on the part of any lender to extend credit, nor does it guarantee that an offer will be made. ASBNow does not endorse or recommend any specific lender or lending product. We do not charge visitors a fee to use this site. All questions about the terms, costs, servicing, or collection of a particular loan should be directed to the lender or loan servicer that issues the offer. If a lender requires additional documentation (for example, identity or income verification), you may be asked to provide it by email, secure upload, fax, or other methods the lender specifies. Timing for funding varies. Even if a lender issues an approval or decision quickly, the time it takes for funds to post to your account depends on the lender’s processes, the funding method, your bank’s posting windows, and the lender’s cutoff times. Weekend and holiday processing can also affect timing. ASBNow is not responsible for delays in disbursement or bank posting. Availability of products and services differs by state due to licensing, regulatory requirements, and lender participation. Not all products are available in every state. Before you submit an application, check whether offers shown to you are available where you live. Credit checks may be performed by lenders as part of their evaluation. These checks may include soft inquiries (which generally do not affect your credit score), hard inquiries (which may affect your credit score), or the use of alternative data sources. Lenders may obtain consumer reports from major consumer reporting agencies (such as Equifax, Experian, and TransUnion) or other sources to verify credit history and identity. By submitting a request, you acknowledge and agree that your personal information may be shared with third-party lenders and partners and that lenders may obtain credit reports or other information necessary to evaluate your application. Be aware of scams: legitimate lenders will not demand payment before disbursing funds and will provide clear disclosures regarding fees and repayment terms. If you are asked to pay an upfront fee to secure a loan, or if a lender pressures you to act immediately without providing written disclosures, pause and verify licensing and identity before sharing additional personal information. This site provides educational information and matchmaking services only; it is not a substitute for independent financial, tax, or legal advice. If you have questions about an offer, a loan’s terms, or your rights, contact the lender directly or consult your own advisor. For details on how we collect, use, and share personal information, please review our Privacy Policy. Your use of this site and submission of a request constitutes your agreement to the foregoing and your acknowledgment that ASBNow is a service that facilitates loan inquiries — not a lender, creditor, or loan servicer.

Electronic Consent (E-Consent) Agreement