Consent to Electronic Communications
Last modified: October 21, 2020
This Consent to Electronic Communications (the “Consent”) contains important information about your legal rights – please read it carefully and print or save a copy. As used in this consent, «Account» means any account, product or service that you have with us. The words » we «, » us «, » our » and » Pangea » refer to Pangea Universal Holdings, Inc. (» PUH «), Pangea USA, LLC (» PUSA «) and any of our subsidiaries or affiliates, and the words » I «, » you » and » your”Refer to each Account holder with us. This disclosure covers all of your Accounts with us.
1. Legally Required Communications and Disclosures. We must provide you with certain communications and disclosures in writing (that is, you have the right to receive such communications on paper) in accordance with applicable laws and regulations. This information may be provided to you electronically if you agree to this Consent.Because all of our Accounts are provided through an online or mobile application and use electronic means to deliver information, you must accept this Consent to obtain and use an Account. If you do not accept this Consent, we will not be able to provide you with an Account or access to the Services, and if you accept the Consent but later withdraw it, we will have to close your Account.
2. Required Consent; Communications Categories.By accepting this Consent, you agree that we may provide you with all Communications described below electronically. This means that we may deliver these Communications to you electronically on our website when you access your Account, by delivering the Communication through our mobile application, by SMS text message or by email. The » Communications » that we will deliver to you electronically include all agreements, disclosures, notifications, and other information and communications related to your Accounts, the use of our websites, our relationship with you, and other products, services, or programs that may be made available to you. . These communications include, but are not limited to, the following:
to. This Consent and any updates to this Consent;
b. Disclosures, agreements, notices, statements and other information related to the opening or initiation or operation or maintenance of your Account. This will include, but will not be limited to, account contracts, account information, account activity, rate addendums or other disclosures, notices or information that may be required by the Electronic Funds Transfer Act, the Equality Act. Credit Opportunities, the Fair Credit Reporting Act, the Telephone Consumer Protection Act, consumer privacy rules, and other applicable federal or state laws and regulations;
c.Any notification of the addition of new terms and conditions or the deletion or modification of the existing terms and conditions applicable to the Accounts;
d. Our Privacy Notice and other privacy statements or notices;
and. Certain information or forms that we request from you and ask you to submit to us electronically.
We reserve the right, but do not undertake any obligation, to provide you with a paper copy of any communication that you have authorized us to provide you electronically. All Communications sent to you in electronic or paper format will be considered «in writing» for legal purposes.
3. How to Withdraw Consent; Effect of Withdrawal.You can withdraw this Consent at any time by contacting us at help@gopangea.com . If you withdraw this Consent: (i) we will immediately suspend or terminate any Account you have with us;(ii) you will continue to be responsible for any amount that may become due under any such Account; and (iii) any other obligation that you have under any contract that governs such Accounts will remain in full force and effect. The withdrawal will not affect any of the Communications that we have provided to you prior to your withdrawal, and we will send you any other required Communication in hard copy. We will not impose any charges in connection with the withdrawal of this Consent or any Communication provided on paper. Any withdrawal of this Consent will be effective only after we have a reasonable period of time to process your withdrawal request.
4. Retention of Electronic Communications.You should print or make a copy of any Communication you receive by emailing it to yourself, using the «Print» button to print a copy, or saving a copy by downloading it to your computer or mobile phone.
5. Obtaining Paper Copies of Communications. Upon request, we will provide you with a paper copy of any Communication that we have provided to you electronically. If you would like a paper copy of any Communication, please make the request to help@gopangea.com . There will be no charge for a paper copy of any Communication that we have sent to you electronically.
6. Hardware and Software Requirements.To receive and electronically view and / or electronically save or print Communications, you must have:
a. a personal computer with Internet access;
b. a new-generation and widely used web browser (for example, Internet Explorer, Safari, or Firefox);
c. a widely used new-generation portable document file reader (eg Adobe Reader);
d. an e-mail address;
and. a printer, hard drive, or other storage device; and
f. a recent device operating system and carrier plan that supports text messaging.
By providing this Consent, you are representing to us that you have the hardware, software, email address, and email capabilities described above, and your ability to read this Consent demonstrates that you have the necessary hardware and software to receive Communications electronically.
7. Updating your Records. You must notify us immediately of any changes to your email address, contact information, and other information related to this Consent and your Account (s). You can update this information by emailing us at help@gopangea.com. You represent and agree that you have provided us with a current email address to which we can send you Electronic Communications.
8. Federal Law. You acknowledge and agree that this Consent is granted in connection with an operation that involves interstate commerce and that it is subject to the Federal Law on Electronic Signatures in Global and National Commerce (the “ E-SIGN Law ”), and that both you like us we intend the E-SIGN Act to be applied to the fullest extent possible to validate our ability to conduct business with you electronically.
9. Reservation of Rights.This Consent applies to any Communication that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you are required to receive on paper rather than electronically. We reserve the right, in our sole discretion, to discontinue delivery of your Electronic Communications, or to terminate or change the terms and conditions under which we provide Electronic Communications. We will notify you of such termination or change as required by law.
10. Consent. By registering for a Pangea Account or continuing to access your Pangea Account, you hereby (a) agree to contract electronically with us in connection with this Consent, (b) give your affirmative consent for us to provide you with electronic Communications as per described above, and (c) acknowledge receipt of electronic Communications provided to you in relation to your Account and operations prior to the date of this Consent.
© Pangea Universal Holdings, Inc. 2020
© Pangea USA, LLC 2020
© Pangea Latin America, SA de CV 2020
