Consent and Communication Terms

1. The consent disclosure in full

This is the language presented at the point of submission on our application forms. Submitting a form means you agree to it.

2. Electronic signature

Under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state Uniform Electronic Transactions Acts, clicking "Submit", "Continue", "Get My Offers", "I Agree" or a similar button, or checking a consent box, constitutes your electronic signature. It carries the same legal weight as a signature written by hand on paper.

We retain a record of each consent, including the date and time, the IP address, the page URL, the form fields submitted, and the exact disclosure text displayed to you at that moment. We keep these records for at least five years. You may request a copy of your own consent record at any time through Your Privacy Choices.

For the full E-SIGN disclosure — including the hardware and software you need, how to withdraw consent to electronic records, and how to obtain a free paper copy — see Terms of Use, section 8.

3. Permission to share your information

By submitting a financing request you authorise us to transmit the information you provided — your name, business name, telephone number, email address, and the business and financial details on the form — to independent financing providers so they can evaluate your request and contact you about it.

• Only selected providers receive it. We route based on the product requested, your state, your industry, your revenue, your time in business and each provider's stated criteria.
• Up to 50 providers may receive any single submission. That is the maximum. Most requests go to considerably fewer.
• They are independent companies. They are not our agents or affiliates. Once your information reaches them, their own privacy policies and communication practices govern. See Participating Financing Providers.

4. Calls, texts, prerecorded messages and email

Your consent covers contact by:

• Telephone calls, including calls made by a live agent and calls placed by automated dialling equipment.
• Text messages (SMS and MMS), including messages sent by an automated platform.
• Prerecorded and artificial-voice messages, including voicemail drops.
• Email, including marketing email.

Calls may be monitored or recorded for quality, training and compliance. Where the law of your state requires the consent of all parties to a recording, you will be told at the start of the call and may object.

Message frequency varies based on your activity and the stage of your request. Message and data rates may apply under your plan with your mobile carrier. We do not charge you for messages.

5. Automated technology and prerecorded voices

You expressly consent to being contacted using an automatic telephone dialling system (ATDS), a predictive or preview dialler, an automated text platform, an artificial or prerecorded voice, and any comparable technology, at the telephone number you supplied — including a wireless or mobile number, and including where you are charged for the call or message.

This consent is given knowingly and voluntarily, and is separate from any agreement to purchase. It is the "prior express written consent" required by the federal Telephone Consumer Protection Act (TCPA) and its implementing regulations.

6. The number you supply

• Your consent applies to the specific telephone number you entered on the form, and to any number you later give us for the same purpose.
• You represent that the number is your own, or that you are authorised to provide it. Do not enter someone else's number.
• Tell us if your number changes or is reassigned. If you give up a number, notify us at optout@bidmycapital.com so we stop contacting it. We also check numbers against reassignment databases where available, but we rely on you telling us.
• If you receive a message from us intended for someone else, reply STOP or contact us and we will suppress the number immediately.

7. Consent is not required to purchase

8. How to revoke consent

You may revoke your consent at any time, for any or all channels. You do not have to use any particular method or wording. Any reasonable method works, including:

• Reply STOP to any text message. Also recognised: STOPALL, UNSUBSCRIBE, END, CANCEL, QUIT and REVOKE. You will receive one final confirmation message and then no more.
• Click the unsubscribe link at the bottom of any marketing email.
• Tell any caller that you want to be put on our do-not-call list, or that you withdraw consent. The agent must action it.
• Call us on (814) 637-3076.
• Email optout@bidmycapital.com.
• Use our online form at bidmycapital.com/opt-out, which also lets you stop further sharing with providers.
• Write to us — we operate a contact-on-request postal line. Email optout@bidmycapital.com or call us and we will supply the postal address.
• Reply to any email or text in your own words — for example "stop calling me" or "take me off your list". We honour it.

9. Do-Not-Call treatment

• We maintain an internal do-not-call list. A request to be added is honoured within 10 business days and kept indefinitely. We keep your number on the suppression list precisely so we can keep honouring the request — asking us to delete your data does not remove you from suppression.
• Our internal do-not-call policy is available free on request from optout@bidmycapital.com.
• We scrub against the National Do Not Call Registry and applicable state do-not-call lists. Note that where you have given us prior express written consent, or we have an established business relationship with you, registry listing does not by itself prevent contact — which is why you should revoke directly with us.
• You can register your number free at donotcall.gov or by calling 1-888-382-1222 from the number you want registered.
• Calling hours. We do not place marketing calls before 8:00 a.m. or after 9:00 p.m. in the recipient's local time, and we apply stricter limits where a state requires them — see section 12.
• On request we will identify the caller, the company on whose behalf the call is made, and a telephone number or address at which that company can be reached.

10. Communications from participating providers

The providers we transmit your request to will contact you directly and independently, using their own systems, their own scripts and their own schedules. BidMyCapital does not control the timing, frequency, content or channel of their communications.

• Because a request may go to as many as 50 providers, you should expect that you may hear from several different companies, and that they may each attempt contact more than once.
• Each provider is responsible for its own compliance with the TCPA, state telemarketing law and its own privacy policy.
• To stop a specific provider, tell that provider directly — reply STOP to their texts, tell their caller to add you to their do-not-call list, or use the contact details on their website, linked from Participating Financing Providers.
• If a provider will not stop after you have asked, tell us at optout@bidmycapital.com. We will pass on the suppression request and, where a provider repeatedly ignores revocations, remove them from our network.

11. Financing-information requests

You may ask us for information about financing without consenting to marketing calls or texts. Email legal@bidmycapital.com or call (814) 637-3076 and say that you want information only. We will respond by your preferred channel and will not enrol you in marketing or share your details with providers unless you separately ask us to.

Nothing we send in response is an offer of credit, a pre-approval or a commitment to lend. See Terms of Use, section 3.

12. State-specific telephone and texting notices

Several states impose requirements stricter than federal law. Where you live in one of these states, the stricter rule applies to you and overrides anything more permissive elsewhere in this page.

Florida

Under the Florida Telephone Solicitation Act, we obtain your prior express written consent before making any telephonic sales call to a Florida number using an automated system for the selection or dialling of telephone numbers, or a prerecorded or artificial voice. Florida limits solicitation calls to 8:00 a.m. to 8:00 p.m. local time and restricts the number of commercial solicitation calls to the same person on the same subject to no more than three in a 24-hour period.

Oklahoma

Under the Oklahoma Telephone Solicitation Act, telephone solicitations to Oklahoma numbers are restricted to 8:00 a.m. to 8:00 p.m. local time, prior express written consent is required for automated and prerecorded solicitation calls, and the number of commercial solicitation calls on the same subject is limited to no more than three in a 24-hour period.

Washington

Under Washington's Commercial Electronic Mail Act and telephone solicitation statutes, commercial solicitation calls to Washington numbers are restricted to 8:00 a.m. to 8:00 p.m. local time. Callers must identify themselves and the company at the start of the call, state the purpose of the call, and end the call within 10 seconds if you say you are not interested. Washington also restricts commercial text messages sent to a Washington number without consent.

Other states

• California — calls may be monitored or recorded only with the consent of all parties; you will be notified at the start of any recorded call. California residents also have the privacy rights described in our Privacy Policy.
• New York, New Jersey, Connecticut, Louisiana, Mississippi, Arkansas, Wyoming and others maintain their own telemarketing registration, calling-hour, disclosure or consent requirements. We apply the stricter of the federal and applicable state rule in every case.
• Several states prohibit solicitation calls on legal holidays or during a declared state of emergency. We suppress calling in those windows.

13. Text messaging programme terms

• Programme: BidMyCapital financing alerts and servicing messages.
• How to join: by submitting a financing request and agreeing to the consent disclosure in section 1.
• Message frequency: varies with your activity and the stage of your request.
• Cost: we do not charge for messages. Message and data rates may apply under your plan.
• To stop: reply STOP to any message. You will get one confirmation and then no further messages.
• For help: reply HELP, email optout@bidmycapital.com, or call (814) 637-3076.
• Carriers: supported on major US carriers. Carriers are not liable for delayed or undelivered messages. Delivery is not guaranteed.
• Privacy: governed by our Privacy Policy.

14. Contact