Electronic Documents and Signatures Consent

OwnIt Holdings, Inc., its servicers, service providers, and agents, including (collectively, “we”, “us” or the “duckscore”) is required to provide you with certain written disclosures, documents, and information related to your transactions with duckscore (“Required Information”). Under the federal E-SIGN Act and related state laws, with your consent, we can deliver and provide you with this Required Information to you electronically and can use electronic signatures in connection with your transactions with duckscore. This Electronic Documents and Signatures Consent (this “Consent”) relates to your use of duckscore’s services and products, including in connection with your duckscore. Please read the terms of this Consent prior to giving your consent and please maintain a copy of this Consent for your records. 

By electronically agreeing to and signing this Consent below, you consent and agree to proceed with the review and execution of all agreements, disclosures, statements, and documents related to your relationship with duckscore and the services provided to you by duckscore in electronic format. This includes the use of electronic communications, electronic disclosures, electronic statements, electronic contracts, and electronic signatures (including “check box” style acknowledgements).

If you do not agree to proceed with: (a) the signing of the agreements electronically, (b) the review of disclosures and statements in electronic format, and (c) the receipt of electronic communications from duckscore please decline to execute this Consent. If you want to proceed with your relationship with duckscore, you must consent to receiving the Required Information electronically before duckscore can provide it to you. Your consent will apply to your entire relationship with duckscore including obtaining your duckscore and all other transactions with us. Your consent permits the general use of electronic records and electronic signatures in connection with all your transactions with duckscore.

Agreement to Conduct Business Electronically

By executing this Agreement, you are agreeing: (a) to the presentation of electronic documents, agreements, and disclosures, (b) that such documents are binding contracts, and (c) that you will accept and execute the applicable documents electronically.  You acknowledge that all disclosures required by applicable law are being provided to you and may be provided electronically. You may also access and review electronic copies of all electronic documents on our website.

You further agree as follows:

• Your execution of this Agreement signifies your intent to enter into a binding legal agreement, and that your consent to conduct business electronically applies to all documents that duckscore will provide to you or agreements that you will execute with duckscore.
• All documents, including any modifications to such documents, signed using electronic means are as valid and enforceable as if you executed a paper copy using a “wet ink” handwritten signature.
• The authoritative copy of the electronically executed documents (the “Authoritative Copy”) shall be the electronic copy that resides in duckscore’s document management system or that of its agents, servicers, and service providers.  If a paper version of the Authoritative Copy is created, then both the electronic version and paper version shall be considered originals and shall both be an Authoritative Copy.

If you consent to receive the Required Information electronically, we will contact you at the email address you have provided to duckscore. If you change your email address, you must provide us with your new email address either by logging into your account and updating your email address or by contacting us by email at privacy@duckscore.com.

To access the Required Information being provided to your electronically, you must have the following, which may be updated from time to time:

• A personal computer with internet access and one of the following operating system web browser combinations, or a more recent version of these operating system web browser combinations, installed: (A) Microsoft Windows 7 with: (i) Microsoft Internet Explorer 10 or 11, (ii) Mozilla Firefox 70, or (iii) Google Chrome 70; or (B) Apple Mac OS 10.14 (Mojave) or Mac OS 10.15 (Catalina) with: (i) Apple Safari 5, (ii) Mozilla Firefox 70, or (c) Google Chrome 70.
• The ability to receive e-mail that contains hyperlinks to websites in order for us to deliver information to you.
• Software which permits you to receive, print and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader®. If you do not have such software, click here to download a free version of Adobe Acrobat Reader®.
• Sufficient electronic storage capacity on your computer's hard drive or other data storage unit or the ability to print PDF files from your computer or tablet device.
• During the enrollment process, you will be sent a test email that contains your log-in credentials.  You will be required to access and open this email in order to demonstrate your ability to receive and retain electronic records using the email address that you have provided.

By checking the box and proceeding, you are electronically signing this Agreement. You agree to the terms of this Agreement, effective as of today’s date, and confirm that you have computer software and hardware that meets the requirements above. YOU CONSENT TO (I) RECEIVING REQUIRED INFORMATION ELECTRONICALLY, AND (II) THE USE OF ELECTRONIC RECORDS AND SIGNATURES IN CONNECTION WITH YOUR RELATIONSHIP WITH AND RECEIPT OF SERVICES FROM DUCKSCORE AND ALL OTHER TRANSACTION(S) WITH DUCKSCORE AND ITS AGENTS, SERVICERS, SERVICE PROVIDERS, AND AFFILIATES, IN PLACE OF WRITTEN DOCUMENTS AND HANDWRITTEN SIGNATURES. Once you give your consent, you can view your documents online or by reviewing your emails. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM DUCKSCORE OVER THE INTERNET.