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Electronic Consent & Disclosure

Last Updated: March 13, 2025

NEXTWAVE LOAN PROCESSING LLC ("we," "us," or "our") operates the NextWave: Cash Advance Now website and mobile application. We provide this Electronic Consent and Disclosure ("E-Consent") in compliance with the federal Electronic Signatures in Global and National Commerce Act (ESIGN Act), 15 U.S.C. § 7001 et seq., the Uniform Electronic Transactions Act (UETA) as adopted in applicable states, and other applicable electronic disclosure laws. By using our website, mobile application, or services, you consent to conduct transactions and receive disclosures electronically.

1. Scope of Consent

When you consent to receive electronic communications and disclosures, you agree that we may provide you with the following types of information electronically:

  • Loan application disclosures, terms, and conditions.
  • Privacy policies, terms of use, and other legal notices.
  • Account statements, transaction confirmations, and account-related communications.
  • Notices of changes to our services, terms, or policies.
  • Marketing communications (where you have opted in).
  • Customer service communications and responses to your inquiries.
  • Any other disclosures required by law to be provided in writing.

2. Hardware and Software Requirements

To access and retain electronic communications and disclosures, you must have:

  • Device: A computer, smartphone, tablet, or other device capable of accessing the Internet.
  • Browser: A current web browser (e.g., Chrome, Safari, Firefox, Edge) with JavaScript enabled.
  • Email: A valid email address and the ability to receive and read emails.
  • Storage: Sufficient storage to save or print electronic documents.
  • Software: A PDF reader or equivalent to view documents, if applicable.

We may update these requirements. If we do, we will notify you and provide you with an opportunity to withdraw your consent if the new requirements would impose an undue burden or cost.

3. Withdrawal of Consent

You may withdraw your consent to receive electronic communications at any time. To withdraw:

Withdrawal of consent will not affect the legal validity of electronic communications provided to you before the withdrawal takes effect. After withdrawal, we will provide communications in paper form. Withdrawal may result in your inability to use certain features of our services that require electronic delivery.

4. Requesting Paper Copies

You may request a paper copy of any electronic disclosure we have provided to you. We will provide the paper copy at no charge if the request is made within a reasonable time after the electronic disclosure was provided. To request a paper copy, contact us at [email protected] or (863) 734-6454.

5. Updating Your Contact Information

You must keep your email address and other contact information current so we can deliver electronic communications to you. If your email address or phone number changes, please update your account or contact us immediately. We are not responsible for communications that fail to reach you due to outdated or incorrect contact information.

6. Electronic Signatures

When you electronically sign a document, submit a form, or click "I Agree," "Submit," or similar buttons on our website or application, you are providing your electronic signature. Your electronic signature has the same legal effect as a handwritten signature. You represent that you have the authority to provide such signature and that the information you provide is accurate and complete.

7. Consent to Electronic Delivery of Lender Disclosures

When you submit a loan request through our platform, we share your information with third-party lenders. Those lenders may also provide you with disclosures and communications electronically. By using our services and submitting a loan request, you consent to receive electronic communications from those lenders as well, subject to their respective policies. Each lender is responsible for its own electronic disclosure practices.

8. Consent to Contact

By providing your telephone number(s) and email address, you consent to receive calls, text messages, and emails from us and from our partner lenders at the numbers and addresses you provide. This includes calls and messages made using an automatic telephone dialing system, prerecorded messages, or artificial voice. Message and data rates may apply. You may opt out of marketing communications at any time by following the instructions in those communications or by contacting us. Consent to contact is not required to use our services, but it may be necessary to complete certain transactions.

9. Retention of Electronic Records

You may retain electronic copies of disclosures by saving or printing them. We retain electronic records in accordance with our record retention policies and applicable law. You may request copies of records we maintain about you by contacting us.

10. Legal Effect

Your consent to electronic communications and disclosures is legally binding. Electronic records and signatures are admissible in judicial and administrative proceedings to the same extent as paper records and handwritten signatures, to the extent permitted by applicable law.

11. Changes to This E-Consent

We may update this E-Consent from time to time. We will post the updated version on this page and update the "Last Updated" date. Material changes will be communicated to you electronically or through a prominent notice on our website. Your continued use of our services after such changes constitutes acceptance of the updated E-Consent.

12. Contact Us

If you have questions about this E-Consent or need assistance with electronic communications, please contact us:

NEXTWAVE LOAN PROCESSING LLC
23007 BEECHNUT CT
LUTZ, FL 33549
Email: [email protected]
Phone: (863) 734-6454