1. Consent to Electronic Communications 

You understand that in order to submit information to, and engage with, Lending Hub Network Inc. (“Lending Hub Network,” “we,” “us,” or “our”), our unaffiliated third-party lenders, and our service providers or marketing partners (collectively, “Service Partners”), and to view and retain copies of notices, disclosures, agreements, authorizations, acknowledgements, terms and conditions, and other documents related to our services (collectively, “Electronic Communications”), you must consent to receive Electronic Communications and to conduct business electronically.

Lending Hub Network is not a lender or creditor. We operate as a marketing lead-generation and loan referral platform. Because our services are conducted electronically, your consent to receive Electronic Communications is required in order to use our website and services.

By visiting our website, submitting information, requesting information about loan options, or otherwise engaging with Lending Hub Network or our Service Partners, you agree to receive all documents, disclosures, notices, and communications electronically.

2. Scope of Electronic Communications

Electronic Communications may include, but are not limited to:

• Disclosures and notices relating to our referral services
• Responses to your inquiries 
• Consents and acknowledgements (including this consent)
• Privacy notices and changes to terms
• Communications relating to identity verification or fraud prevention
• Communications from third-party lenders regarding potential loan offers

3. Marketing or informational messages related to loan opportunities 

We may communicate with you by:

• Email
• Text message (SMS)
• Telephone calls, including automated or prerecorded messages
• Website postings or secure portals
• Message and data rates may apply. Your consent is not a condition of obtaining any loan.

All Electronic Communications will be considered provided to you “in writing.” You should print or save copies of any Electronic Communications that are important to you for your records.

4. Delivery of Electronic Communications

Electronic Communications may be delivered through:

• Our website or secure portals 
• Email to the address you provide
• Text messages to the mobile number you provide
• Other electronic means as permitted by law 

This consent applies to all interactions with Lending Hub Network, whether online, by telephone, or through a mobile device (including smartphones and tablets).

Notwithstanding your consent, we may, at our discretion, provide certain communications in paper form.

5. Access to Electronic Communications

To access and retain Electronic Communications, you must have:

• Access to a valid email account
• Internet access
• A compatible device (computer, smartphone, or tablet)
• A supported web browser (such as recent versions of Chrome, Firefox, Safari, or Edge)
• Software capable of opening and saving PDF files
• Sufficient electronic storage or the ability to print documents

By providing consent, you confirm that each device you use meets these requirements. If these requirements change and create a material risk that you may not be able to receive Electronic Communications, we will notify you.

6. Paper Copies

Electronic Communications are generally not available in paper form. If you do not consent to receive Electronic Communications, Lending Hub Network’s services may not be available to you. 

However, we may, at our discretion, provide paper copies of certain Electronic Communications upon request. We may charge a reasonable fee for providing paper copies where permitted by law.

Requests may be made by contacting us at:

• Lending Hub Network Inc.
• Attn: Customer Support
• 19800 MacArthur Boulevard, Suite 300
• Irvine, CA 92612
• Phone: 888-718-6603
• Email: support@lendinghubnetwork.com

7. Withdrawing Your Consent

You may withdraw your consent to receive future Electronic Communications at any time. There is no fee to withdraw consent.

To withdraw consent, contact us using the information above and include:

• The subject line: “Withdraw Electronic Consent”
• Your full name
• Your mailing address 
• Your email address 
• Your telephone number

Withdrawal of consent will not affect the legal validity of Electronic Communications provided to you before your withdrawal becomes effective. Withdrawal may limit or terminate your ability to use our services.

We may treat an invalid or non-functional email address as a withdrawal of consent.

8. Updating Your Contact Information

You are responsible for keeping your contact information current. To ensure timely delivery of Electronic Communications, please notify us promptly of any changes to your email address, phone number, or mailing address.

Updates may be made by contacting us at the information listed above.

9. Federal Law (ESIGN Act)

• All Electronic Communications provided to you are considered “in writing” for purposes of federal and state law.
• This Disclosure and Consent to Electronic Communications is governed by the Electronic Signatures in Global and National Commerce Act (E-SIGN Act). By consenting, you agree that electronic signatures and electronic records may be used in our relationship with you.
• Acknowledgment and Electronic Signature
• By continuing to use our website, submitting information, clicking any checkbox or button, or otherwise indicating your agreement electronically, you:
• Consent to receive Electronic Communications
• Confirm your ability to access, read, download, and retain Electronic Communications
• Confirm that you have provided a valid email address
• Agree to conduct business electronically
• Acknowledge that your electronic actions constitute your electronic signature
• PLEASE PRINT OR SAVE A COPY OF THIS DISCLOSURE AND CONSENT FOR YOUR RECORDS.