The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act ("E-Sign Act"). In order to open a Spentra Mastercard Payroll Card (the "Prepaid Card Account") electronically, you must acknowledge receipt of these disclosures, agree you have read the disclosures, and provide your consent to the electronic delivery of all Communications.
This Electronic Communications Agreement ("E-Sign Agreement") applies to all Communications for those products and services offered or accessible through spentra.com and the mobile application. This E-Sign Agreement supplements and is to be construed in accordance with the terms and conditions contained in the Cardholder Agreement you received when you obtained your Prepaid Card Account.
The Prepaid Card Account is intended for use only by individuals who are willing and able to receive notices and Communications from us exclusively through electronic means. If you do not agree to have us provide you with the legally required notices and Communications described herein in electronic and not paper form, then you may not participate in the Prepaid Card Account program. Similarly, if after providing your consent hereunder, you withdraw such consent, we reserve the right to terminate your Prepaid Card Account and your participation in the Prepaid Card Account program.
"We," "us," "our," and "Issuing Bank" refer to Patriot Bank, N.A. "You" and "your" mean you and the individual(s) identified on the Prepaid Card Account. "Communications" means any customer agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, privacy policies, and all other information in connection with the Prepaid Card Account or related products and services, including but not limited to information we are required by law to provide to you in writing.
"Access Device" means any electronic device you use to access mobile or online services or to view electronic documents. This includes but is not limited to: a traditional computer such as a desktop or laptop computer, or a mobile device such as a tablet or smartphone.
When you use a product or service to which this E-Sign Agreement applies, you agree we may provide you with any Communications in electronic format to the extent allowed by law and we may discontinue sending paper Communications to you. Your consent to receive electronic Communications and transactions includes but is not limited to:
All Communications we provide to you in electronic form will be provided via either (1) posting to our website at spentra.com, or (2) email, or (3) mobile application notification, or (4) Short Message Service (SMS) text message1 if you have provided your consent separately to receive Communications via SMS text message.
You will be notified when a Communication or updated agreement pertaining to the Prepaid Card Account is available. It is your responsibility to check these sources regularly for Communications and to check for any updates to the E-Sign Agreement.
1 Standard message and data rates from your wireless service provider may apply
You may withdraw your consent to receive electronic Communications at any time by contacting us at P.O. Box 530492, Henderson, NV 89053. We reserve the right to restrict or terminate your access to any and all related products if you withdraw your consent to receive electronic Communications. If your Prepaid Card Account is closed as a result, we will mail you a refund check for any amount remaining in your Prepaid Card Account. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.
It is your responsibility to provide us with a true, accurate, and complete email address, contact information, and other information related to this E-Sign Agreement and your Prepaid Card Account, and to maintain and promptly update any changes to this information. You can update information (such as your email address) by contacting us via the mobile application or by calling 888.972.6872. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you have provided to us.
The following explains what you must have in order to access, view, and retain electronic Communications we make available to you
The format of the electronic documents may vary based on your Access Device. For example, documents are typically presented in PDF format on a traditional computer while documents accessed on a mobile device are typically presented natively within the application. By consenting to this E-Sign Agreement, you confirm your Access Device meets the minimum specifications and requirements necessary to view and retain your electronic documents.
To access online services and electronic documents via a mobile device, you will need:
To access online services and electronic documents on a traditional computer, you will need:
Changes to System Requirements:
We will notify you if our hardware or software requirements change and whether that change creates a material risk such that you would not be able to access or retain your electronic documents. Continuing to use our mobile and online services after receiving notice of the change is the reaffirmation of your consent to this E-Sign Agreement.
Generally, we will not send you a paper copy of any electronic Communications, unless requested by you. If you request a paper copy, you acknowledge we reserve the right to charge you a reasonable fee, if applicable, for the production and mailing of paper versions of any
Communications sent in electronic format. To determine if a fee applies, please consult the Fee Schedule. To request a paper copy of an electronic Communication, contact us at 888.972.6872 or log in to your account at spentra.com.
Additionally, we reserve the right but assume no obligation to provide a paper (instead of electronic) copy of any Communications you have authorized us to provide electronically.
You accept electronic Communications provided by us as reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, and agree such electronic form fully satisfies any requirement such Communications be provided to you "in writing" or in a form you can keep. You should print or download for your records a copy of this E-Sign Agreement and any other electronic Communications that are important to you.
You acknowledge and agree your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the "Act"), and that you and we both intend the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
By checking the box corresponding to the Electronic Communications Agreement on the application submission page, you adopt the checkmark as your electronic signature and you acknowledge receipt of the E-Sign Agreement and further acknowledge you have read the E-Sign Agreement.
You also affirmatively consent to the electronic receipt of any and all customer agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, privacy policies, and all other information in connection with the Prepaid Card Account or related products and services, including but not limited to information we are required by law to provide to you in writing.
You further agree your computer satisfies the hardware and software requirements specified above and you have provided us with a current email address at which we may send electronic Communications to you.