Privacy Policy

Privacy Policy

Please carefully review the following rules that govern your use of our site. These Terms and Conditions of Use (“Terms of Use”) apply to the World Wide Web site owned, operated, licensed, and controlled by Pokea.Money, Inc. (“Pokea.Money”), including its related, affiliated, or subsidiary companies (collectively, the “Site”). This Site is the property of Pokea.Money. By using this Site, you agree to these Terms of Use; if you do not agree, do not use this Site.

Pokea.Money reserves the right at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

As long as you comply with these Terms of Use, Pokea.Money grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site and access its services and products.

Pokea.Money provides an application for managing cash flow and other financial data. All information is provided for educational use only. The Service is not intended provide any legal, tax or financial advice. You acknowledge that your personal financial circumstances are unique, and that before any information you obtain through the Service is acted upon, you should obtain the advice of a financial advisor or other financial planning professional who is aware of your personal financial circumstances.

Privacy

Please review our Privacy Notice (which also governs your visit to our Site) to understand our practices. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure.

Intellectual Property

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by Pokea.Money or third parties and all right, title and interest therein shall remain the property of Pokea.Money and/or such third parties (collectively, the “Content”).

Electronic Communications

When you visit www.Pokea.Money or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law.

You agree that we may send emails to you for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law. Please make sure to review the Electronic Transactions and Consent clause on your loan agreement for further information about e-sign of loan document consents.

Accounts

In order to access or use some of the features on the Services, you will be required to log-in to your Pokea Money dashboard. The Services’ practices governing any resulting collection and use of your personal information are disclosed in its Privacy Notice. If you register for any feature on the loan dashboard including free-credit-score, personal financial management, rewards, endorsements or any other service that requires a password and/or username, then you will select your own password at the time of registration (or we may send you an e-mail notification with a randomly generated initial password) and you agree that:

  • You are eighteen years of age and hold a valid ID documnet;
  • You will not use a username (or e-mail address) that is already being used by someone else, the intellectual property or other right of any person or entity, or is offensive;
  • You will provide true, accurate, current, and complete registration information about yourself in connection with the registration process;
  • You are solely responsible for all activities that occur under your account, password, and username;
  • You are solely responsible for maintaining the confidentiality of your password and for restricting access to your Device so that others may not access any password protected portion of the Services using your name, username, or password;
  • You will immediately notify us of any unauthorized use of your account, password, or username, or any other breach of security;
  • You will not sell, transfer, or assign your account or any account rights.

If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates these Terms, any Additional Terms, or any applicable law, then we may suspend or terminate your account. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits – all in our sole discretion, for any reason, with or without advance notice and without liability. This Agreement and all terms and conditions will continue to apply until terminated by either you or Pokea.Money.  If you choose to terminate your use of the Services, you may do so by contacting support@Pokea.Money.  Once your use of the Services is terminated, your ability to log in will be immediately deactivated.  If you terminate your use of the Services, you will remain obligated to pay all outstanding fees, if any, relating to your use of the Services or a result of any other agreements that you may have with Pokea.Money or its affiliates. If you have any questions or trouble terminating the use of the Services, you can contact support@Pokea.Money for assistance.  Pokea.Money may continue to maintain information about a customer after their use of the Services is terminated only to the extent necessary to comply with applicable laws and to further legitimate business needs.

Links to Other Web Sites and Services

This Site contains links to outside services and resources (“Third Party Content”), the availability and content of which Pokea.Money does not control. Some Third Party Content may be custom matched based on information provided by you to Pokea.Money. We are not responsible for examining or evaluating, and we do not warrant the offering of these businesses or individuals or the content of their web sites. Pokea.Money does not assume any responsibility or liability for the actions, products, and content of these and any other third parties. Pokea.Money does not guarantee that any service offered by Third Party Content will be offered to you. Pokea.Money may receive compensation from third parties for referring you to the third party or to their website. Any services that you obtain through Third Party Content will be subject to the terms and conditions and Privacy Notice of the Third Party Content. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource.

Customer Data Usage

Pokea.Money may use Customer data for (i) improvement of services; (ii) to the extent permitted by law to use, distribute, and disclose Aggregated Data; and (iii) for fraud screening, identity verification, and account information verification Pokea.Money will also disclose customer data to third parties as outlined in these Terms and Conditions.

User Generated Content

You hereby grant Pokea.Money a non-exclusive, transferable, unlimited, worldwide, irrevocable, sub-licensable and royalty-free license to publish, host, copy, distribute, modify, create derivative works from, reproduce, display, perform, transmit, process or otherwise use in any manner whatsoever and in all formats or distribution methods now known or developed hereafter, all or any portion of your User Content for the purposes of providing, optimizing, improving and promoting our Services. You agree this license includes the right to use your name, persona and likeness included in any User Content in connection with delivering the Services, without any obligation or compensation to you.

  • You agree this license includes the right for Pokea.Money to publish your User Content in a searchable format that may be accessed by other users of the Services.
  • You further agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Services any of the following:
  • User Content that is libellous, defamatory, profane, obscene, pornographic, sexually explicit, indecent, lewd, vulgar, suggestive, violent, harassing, hateful, threatening, offensive, discriminatory, bigoted, abusive, inflammatory, invasive of privacy or publicity rights, fraudulent, deceptive or otherwise objectionable;
  • User Content that is illegal or unlawful, that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or otherwise create liability or violate any local, state, national or international law;
  • User Content that may infringe or violate any patent, trademark, trade secret, copyright, or other intellectual or other right of any party;
  • User Content that contains or depicts any statements, remarks or claims that do not reflect your honest views and experiences;
  • Private information of any third-party including, but not limited to, addresses, phone numbers, email addresses, Social Security numbers or credit card numbers;
  • Unsolicited promotions, political campaigning, or commercial messages (SPAM) or any chain messages;
  • User Content designed to deceive or trick the user of the Services;
  • Viruses, corrupted data or other harmful, disruptive or destructive files or code, script or other software designed to automate any functionality on the Services; or
  • User Content that, in the sole judgment of Pokea.Money, is objectionable.

Please carefully review the following rules that govern your use of our Site and also read our Privacy Notice regarding the information that you provide to us. These Terms and Conditions of Use (“Terms of Use”) apply to the World Wide Web site owned, operated, licensed, and controlled by Pokea.Money, Inc. (“Pokea.Money”), including its related, affiliated, or subsidiary companies (collectively, the “Site”). This Site is the property of Pokea.Money. By using this Site, you agree to these Terms of Use; if you do not agree, do not use this Site.

Pokea.Money reserves the right at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

As long as you comply with these Terms of Use, Pokea.Money grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site and access its services including the opportunity to apply for a personal loan, access free credit scores, access free personal financial management tools, participate in the Pokea.Money Financial Network, and redeem points for cash and/or gift cards (the “Services”).

Pokea.Money provides an application for managing cash flow and other financial data. Please note that Pokea.Money is not a credit repair company. We do not provide credit repair services to repair your credit profile or score. Our Services are meant only as an aid to assist you in organizing and managing your finances. All information is provided for educational use only. The Service is not intended provide any legal, tax or financial advice. You acknowledge that your personal financial circumstances are unique, and that before any information you obtain through the Service is acted upon, you should obtain the advice of a financial advisor or other financial planning professional who is aware of your personal financial circumstances.

Privacy

Please review our Privacy Notice (which also governs your visit to our Site) to understand our practices. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure.

Intellectual Property

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by Pokea.Money or third parties and all right, title and interest therein shall remain the property of Pokea.Money and/or such third parties (collectively, the “Content”).

Electronic Communications

When you visit www.Pokea.Money or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law.

You agree that we may send emails to you for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law. Please make sure to review the Electronic Transactions and Consent clause on your loan agreement for further information about e-sign of loan document consents.

Accounts

In order to access or use some of the features on the Services, you will be required to log-in to your loan dashboard. The Services’ practices governing any resulting collection and use of your personal information are disclosed in its Privacy Notice. If you register for any feature on the loan dashboard including free-credit-score, personal financial management, rewards, endorsements or any other service that requires a password and/or username, then you will select your own password at the time of registration (or we may send you an e-mail notification with a randomly generated initial password) and you agree that:

  • You are eighteen years of age and hold a valid U.S. Social Security Number;
  • You will not use a username (or e-mail address) that is already being used by someone else, the intellectual property or other right of any person or entity, or is offensive;
  • You will provide true, accurate, current, and complete registration information about yourself in connection with the registration process;
  • You are solely responsible for all activities that occur under your account, password, and username;
  • You are solely responsible for maintaining the confidentiality of your password and for restricting access to your Device so that others may not access any password protected portion of the Services using your name, username, or password;
  • You will immediately notify us of any unauthorized use of your account, password, or username, or any other breach of security;
  • You will not sell, transfer, or assign your account or any account rights.

If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates these Terms, any Additional Terms, or any applicable law, then we may suspend or terminate your account. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits – all in our sole discretion, for any reason, with or without advance notice and without liability. This Agreement and all terms and conditions will continue to apply until terminated by either you or Pokea.Money.  If you choose to terminate your use of the Services, you may do so by contacting support@Pokea.Money.  Once your use of the Services is terminated, your ability to log in will be immediately deactivated.  If you terminate your use of the Services, you will remain obligated to pay all outstanding fees, if any, relating to your use of the Services or a result of any other agreements that you may have with Pokea.Money or its affiliates. If you have any questions or trouble terminating the use of the Services, you can contact support@Pokea.Money for assistance.  Pokea.Money may continue to maintain information about a customer after their use of the Services is terminated only to the extent necessary to comply with applicable laws and to further legitimate business needs.

Links to Other Web Sites and Services

This Site contains links to outside services and resources (“Third Party Content”), the availability and content of which Pokea.Money does not control. Some Third Party Content may be custom matched based on information provided by you to Pokea.Money. We are not responsible for examining or evaluating, and we do not warrant the offering of these businesses or individuals or the content of their web sites. Pokea.Money does not assume any responsibility or liability for the actions, products, and content of these and any other third parties. Pokea.Money does not guarantee that any service offered by Third Party Content will be offered to you. Pokea.Money may receive compensation from third parties for referring you to the third party or to their website. Any services that you obtain through Third Party Content will be subject to the terms and conditions and Privacy Notice of the Third Party Content. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource.

User Generated Content

You hereby grant Pokea.Money a non-exclusive, transferable, unlimited, worldwide, irrevocable, sub-licensable and royalty-free license to publish, host, copy, distribute, modify, create derivative works from, reproduce, display, perform, transmit, process or otherwise use in any manner whatsoever and in all formats or distribution methods now known or developed hereafter, all or any portion of your User Content for the purposes of providing, optimizing, improving and promoting our Services. You agree this license includes the right to use your name, persona and likeness included in any User Content in connection with delivering the Services, without any obligation or compensation to you.

  • You agree this license includes the right for Pokea.Money to publish your User Content in a searchable format that may be accessed by other users of the Services.
  • You further agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Services any of the following:
  • User Content that is libelous, defamatory, profane, obscene, pornographic, sexually explicit, indecent, lewd, vulgar, suggestive, violent, harassing, hateful, threatening, offensive, discriminatory, bigoted, abusive, inflammatory, invasive of privacy or publicity rights, fraudulent, deceptive or otherwise objectionable;
  • User Content that is illegal or unlawful, that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or otherwise create liability or violate any local, state, national or international law;
  • User Content that may infringe or violate any patent, trademark, trade secret, copyright, or other intellectual or other right of any party;
  • User Content that contains or depicts any statements, remarks or claims that do not reflect your honest views and experiences;
  • Private information of any third-party including, but not limited to, addresses, phone numbers, email addresses, Social Security numbers or credit card numbers;
  • Unsolicited promotions, political campaigning, or commercial messages (SPAM) or any chain messages;
  • User Content designed to deceive or trick the user of the Services;
  • Viruses, corrupted data or other harmful, disruptive or destructive files or code, script or other software designed to automate any functionality on the Services; or
  • User Content that, in the sole judgment of Pokea.Money, is objectionable.

Collection of Information

If credit is extended to you, Pokea.Money may consider the bank account information provided by the consumer as eligible to process payments against if customer permits Pokea.Money to do so. As part of Pokea.Money‘s information collection process, we may detect additional bank accounts under the ownership of the consumer. Pokea.Money may consider these additional accounts to be part of the application process.

Identity Verification

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Mobile Features

The Services may offer features and services that are available to you via our mobile applications or mobile websites. Standard messaging, data and other fees may be charged by your carrier. By using the mobile features, you agree that we may send communications to your mobile device and collect information from your device, as described in our Privacy Notice.

Site Security

As a condition of your use of this Site, you agree that you will not, and you will not take any action intended to: (i) access data that is not intended for you or attempt to reverse engineer the Site; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or the Pokea.Money network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus, worm, Trojan Horse, or other destructive feature to this Site, overloading, “flooding,” “spamming,” “mail bombing” or “crashing;” (v) send unsolicited mail, including promotions and/or advertising of products and services; or (vi) attempt to use robots, spiders, intelligent agents, software, tools, engines, or other means to navigate or search the Site other than those generally available through third-party web browsers such as Microsoft Explorer or Google Chrome. Violations of system or network security may result in termination of account and civil or criminal liability.

Limitation of Liability

EXCEPT WHERE PROHIBITED BY LAW, NEITHER POKEA.MONEY, NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OF EACH, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF POKEA.MONEY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, POKEA.MONEY‘S MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS SITE, OR ITS CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS THIS SITE.

Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you.

Indemnity

By using the Site, you agree to indemnify and hold Pokea.Money, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) arising out of or in any way connected with (i) your access to and use of the Service; (ii) your violation of any of the Terms and Conditions referenced herein, or any applicable law or regulation; (iii) your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. Pokea.Money reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.

Inactive Applications

Personal Loan applications are cancelled after 7 days of inactivity. Inactivity is defined as any application that is incomplete and cannot be processed, and has seen no follow up activity from the customer.

Severability

Any failure by Pokea.Money to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms If any provision of these Terms of Use or their application in a particular circumstance shall be held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law. The remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and Pokea.Money with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and Pokea.Money with respect to such use are hereby superseded and cancelled.

Assignment

Neither party may assign or delegate this Agreement or any of the terms or conditions hereunder, directly, indirectly, or otherwise without the written consent of the other, and any such purported assignment or delegation shall be void. Notwithstanding the foregoing, Pokea.Money may assign this Agreement in connection with the sale or other transfer of substantially all of Pokea.Money’s equity or assets to which this Agreement relates.

Law and Venue

This Site is located in the Cape Town, South Africa. These Terms of Use and the relationship between you and Pokea.Money shall be governed by the laws of the South Africa without regard to its conflicts of law provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in Utah, and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of this Site or the Content must be filed within one year after such claim or cause of action arose or be forever barred.

COOKIES

“Cookies” are small data files transferred by a website to your computer’s hard drive. Pokea.Money or its service providers send cookies when you surf our site or sites where Pokea.Money ads appear, make purchases, request or personalize information, or register yourself for certain services. Accepting the cookies used on our site, sites that are “powered by” another company on Pokea.Money’s behalf, or sites where our ads appear may give us access to information about your browsing preferences, which we may use to personalize and enhance your experience. Cookies are typically classified as either “session” cookies or “persistent” cookies.

Session cookies do not stay on your computer after you close your browser.

Persistent cookies remain on your computer until you delete them or they expire.

Generally speaking, web browsers automatically accept cookies by default. That being said, you can typically prevent cookies or selectively accept cookies by adjusting the preferences in your browser. If cookies are not accepted, there may be some features of our site that will not be available and some Websites may not display properly. In most instances, however, a customer may refuse a cookie and still be able to navigate our website without issue.

A web browser is usually set to accept cookies automatically but can be changed to decline them. Information on how to adjust cookie preferences (e.g., preventing your browser from accepting new cookies, etc.) are located in the help and support section of your browser. In most cases, a visitor may refuse a cookie and still fully navigate our Website.

Pokea.Money does not store passwords or any other information about a visitor in a cookie that would identify them, locate them, and determine their preferences or their financial activity. Aggregated customer information may help Pokea.Money assess the performance of its website and develop strategies to maximize utility. This information may be provided to other companies, including but not limited to third party advertisers. This information does NOT include any personal details that can be used to identify individuals.

How long does Pokea.Money keep personal information?

Pokea.Money will maintain the information that is necessary to enable Pokea.Money to provide the requested service and only for as long as it takes Pokea.Money to provide any such requested service.

Pokea.Money may still need to keep personal details of customers to ensure that systems reflect your preferences even if a customer has chosen to opt out of allowing Pokea.Money to use that customer’s personal details for marketing purposes.

Pokea.Money may keep records of any transactions a customer enters into on the Pokea.Money Website for a minimum of six years from the end of Pokea.Money’s relationship with the customer.

Pokea.Money may keep other information about a customer only to the extent necessary to comply with applicable laws and to further legitimate business needs.

Disclaimers

POKEA.MONEY DOES NOT WARRANT THAT ANY CONTENT ON THE SITE, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS.

THE CONTENT IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. POKEA.MONEY CANNOT ENSURE THAT ANY FILES, DOCUMENTS OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES.

POKEA.MONEY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. POKEA.MONEY DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. POKEA.MONEY DOES NOT VERIFY FOR ACCURACY ANY FINANCIAL INFORMATION PROVIDED TO US FROM THIRD PARTIES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM USED IN CONNECTION WITH THE SERVICE) OR LOSS OF DATA THAT RESULTS FROM THE USE OF THE SERVICE OR THE DOWNLOAD OR USE OF SUCH MATERIALS OR CONTENT. SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND THEREFORE THIS DISCLAIMER WOULD NOT BE IN APPLICABLE IN THOSE JURISDICTIONS. YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.YOUR SOLE REMEDY AGAINST POKEA.MONEY FOR DISSATISFACTION, IS TO STOP USING THE SITE OR ANY SUCH CONTENT.

Effective Date: September 16, 2016. If you have any comments, concerns or questions regarding our terms and conditions, please contact us at support@Pokea.Money.

Electronic Transactions and Consent

This Electronic Signature (“ E-Sign Consent”) constitutes your consent to receive disclosures and other information in electronic form. Pokea.Money is required by law to provide you with certain disclosures. Pokea.Money is not permitted to provide those disclosures to you online without your consent.

We will provide these Communications to you by posting them on our Website after you log-in, and/or by emailing them to you at your registered email address. It is your responsibility to keep your registered email address up to date so that we can communicate with you electronically.

By consenting to E-Sign Consent, you agree that Pokea.Money may provide electronically any and all communications concerning its decisions on your Consumer Application (the “Application”), the terms of any loan that may be provided to you and the privacy notice (the “Disclosures”). The Disclosures may include, in addition to other things, disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act; and (6) any other applicable federal, state or local law or regulation. Your consent applies not only to the Application and any resulting loan but also to any application for future credit services from Pokea.Money.

Consumer Consent:

Before completing any transaction with Pokea.Money, you will be asked to consent to the Terms and Conditions, which constitutes your agreement to the following terms below:

  • Money may provide disclosures required by law and any other information concerning your legal rights and duties and your account to you electronically.
  • Money can send any communications, billing statements, or required disclosures, such as initial and annual privacy notices (together, “Disclosures”) to you electronically via our website or to the email address that you have provided to us.
  • Money will notify you via e-mail when the Disclosures are available. The Disclosures will be available for at least 30 days and will be provided to you in a format that can either be printed or downloaded for your records. Pokea.Money will send an email or text message to you that will contain instructions regarding how to view the Disclosures.
  • Your electronic signature on agreements and documents has the same effect as if you physically signed the document with a pen.
  • This consent applies to any transaction undertaken through Pokea.Money in the past, to all future disclosures and communications on your account, to all future transactions, at any time, to any transaction with us, and to other Disclosures that we provide to you by email.

Minimum Requirements

To electronically receive, view and save or print the Disclosures, you must have a personal computer equipped with:

  • Microsoft Internet Explorer 10.0, Google Chrome 10, Firefox 3.6, Safari 10.8.4 or any later version of these programs,
  • Adobe Reader 6 or later version;
  • and either a printer, a hard drive or other storage device.

Prior to submission of your Application, you may withdraw your consent to electronic disclosures by exiting this website. You agree that any email address you provide with your Application may be used to provide you with Disclosures, and you agree to notify Pokea.Money of any changes in your email address by notifying Pokea.Money either in writing or via email at least five (5) days before the change.

Withdrawing Consent: You are free to withdraw Your Consent at any time if you choose to. If at any time you wish to withdraw Your Consent, you can do so by submitting a request through the website at www.Pokea.Money, emailing support@Pokea.Money or writing to us at the address below. If you decide to withdraw Your Consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures will not be affected and your account will be closed.

In the event that there is a change in the hardware or software requirements for viewing documents that requires your consent (which would include, but not limited to your application, loan agreement and other related documents) and you can not access these records as a result in this change:

You have the right to withdraw your consent to this policy without the imposition of any condition, consequence, or fee for such withdrawal; and we would then request a new affirmative consent, either by mail or email.

Legal Effect

Your consent to this E-Sign Consent means that Disclosures Pokea.Money provides to you electronically shall have the same effect as if provided in paper form. A text message or email alerting you that Disclosures are available electronically, provided that the Disclosures are made available online shall have the same meaning as if Pokea.Money had provided them to you in paper form, regardless of whether you actually view them, unless you have withdrawn your consent pursuant to Section 3 above, prior to receiving such Disclosures.

Miscellaneous

You agree that Pokea.Money may modify or change the methods of disclosure described herein, and that Pokea.Money may send you Disclosures in paper form at its option. You may obtain a paper copy of an electronic Disclosure free of charge, provided that such request is made within a reasonable period of time after you first received the electronic Disclosure.

You have the option to receive any information that Pokea.Money has provided electronically in paper form at no cost to you by contacting Pokea.Money at P.O. Box 1547 Sandy, UT 84091. You may also withdraw your consent to electronic disclosures by contacting Pokea.Money in the same manner. If you withdraw your consent to electronic disclosures, Pokea.Money may elect to terminate its relationship with you. You also agree that Pokea.Money is not responsible for any delay or failure in your receipt of any text message or email notice that is not caused by Pokea.Money’s failure to send such a notice to the phone number or email address you have provided for that purpose.