Last Update: March 11, 2022

Consent Agreement for Electronic Disclosures and Communications from Ruffo

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to submit a Loan Inquiry or a Loan Application through the Site. The Company will provide you with competitive loan offers from Providers and/or transmit your loan application to Providers. The Company’s Loan services are free to the consumer and are wholly completed online. Please see the Terms of Use, incorporated herein by reference, for additional information, definitions and terms. TheCompany can only provide you the benefits of its services by conducting its business electronically. In order to do this, we need your consent to provide you with certain disclosures, notices and other communications (“Disclosures and Communications”) in connection with your loan inquiry (“Loan Inquiry”) and/or loan application (“Loan Application”).

Electronic Disclosures and Communications. Disclosures and Communications will be provided to you (and on behalf of any individual designated by you) electronically either via your designated email address and/or posted to your Account established through www.ruffo.io. However, if you wish to obtain a paper copy of any legally required disclosure, you may write to Ruffo, Disclosure Request, 2261 Market Street #4498, San Francisco, CA 94114 with the details of your request. Paper copies will be provided to you at no charge.

Scope of Consent. Your consent to receive Disclosures and Communications and to do business electronically, and our agreement to do so, applies to any Loan Inquiry or Loan Application with the Company and its participating network of lenders.

Consenting to Do Business Electronically. Before you decide to do business electronically with the Company, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures and Communications electronically, you will need to use the following computer software and hardware:

• Internet access with 128-bit encryption
• Adobe Acrobat Reader 6 or higher
• Ability to Print
• Internet Explorer 8 or higher
• Email Access
• Firefox version 3.6 or higher

Withdrawing Consent. Because the Company will provide the Disclosures and Communications to you instantaneously, you will not be able to withdraw your consent to do business electronically with the Company during the Loan Inquiry or Loan Application process. However, after your Loan Inquiry or Loan Application is submitted, you may withdraw your consent to do business electronically in connection with your Loan Inquiry or Loan Application with the Company. If you choose to withdraw your consent in connection with your Loan Inquiry or Loan Application, you can receive future Disclosures and Communications in paper form, by U.S. mail at no charge to you by contacting the Company in writing at the address provided above. If you decide to withdraw your consent, the legal validity and enforceability of electronic Disclosures and Communications previously provided to you will not be affected.

Changes to Your Contact Information. You should keep us informed of any change in your email or U.S. postal mailing address.

PLEASE PRINT AND RETAIN A COPY OF THIS CONSENT AGREEMENT FOR YOUR RECORDS.