Little Lake Lending

Legal

E-Consent

This Electronic Communications Consent ("E-Consent") explains how Layma, LLC, doing business as Little Lake Lending ("Little Lake Lending," "we," "us," or "our"), delivers disclosures, agreements, and other communications in electronic form, and what you must have and do in order to receive them.

Please read this notice before you agree. If you do not want to receive records electronically, you should not continue with an online application.

Consent to Electronic Communications

By checking the consent box, clicking "I agree," or otherwise indicating acceptance during our online process, you consent to receive records in electronic form rather than on paper, and you consent to the use of electronic signatures.

You agree that:

  • Electronic records satisfy any legal requirement that we provide information in writing
  • Electronic signatures on applications, disclosures, and loan agreements are as effective as ink signatures
  • We may send records to the email address you provide, post them in your online account, or both
  • You will keep a valid email address on file and tell us promptly if it changes
  • You can access, review, download, and print electronic records using the hardware and software described below

Your consent does not mean you must take a loan. It means that, if we communicate with you about an application or an account, we may do so electronically. You may still call or write us as described on our Contact Us page.

Scope

This consent covers records related to your use of the Site and, if you apply or obtain a loan, records related to that application and account. Examples include:

  • This E-Consent, our Terms of Use, Privacy Policy, and Data Collection Practices notice
  • Loan applications, adverse-action or other decision notices, and requests for more information
  • Truth-in-lending and other consumer disclosures, your loan agreement, payment authorizations, and amendments
  • Billing statements, payment confirmations, past-due notices, and payoff statements
  • Tax-related statements if we are required to provide them
  • Big Fish Rewards terms, if you participate
  • Customer-service messages about your account

We may still send paper mail when we choose to, or when a particular notice is not well suited to email (for example, certain legal process). Electronic delivery is the default while this consent is in effect.

Marketing messages, if any, are handled under your privacy choices and are not the same as required account notices. Opting out of promotional email does not withdraw this E-Consent.

Hardware and Software Requirements

To receive and retain electronic records, you need:

  • A device with internet access (computer, tablet, or smartphone)
  • A current web browser that supports TLS-encrypted connections (for example, a recent version of Chrome, Edge, Firefox, or Safari)
  • A valid email account you control and check regularly
  • Sufficient storage to download and save PDF or HTML files, or a printer to print them
  • Software that can display PDF files (most browsers can, or you may use a PDF reader)
  • A working printer if you want paper copies you produce yourself
  • Cookies and JavaScript enabled to the extent required to complete our application and portal flows

If we change these requirements in a way that creates a material risk that you will not be able to access records, we will notify you of the new requirements and of your right to withdraw consent without a fee for that withdrawal. If you cannot meet the new requirements, withdraw consent as described below.

Before you consent, confirm that you can open and read a PDF on your device and that you can access the email address you intend to use.

How to Withdraw Consent

You may withdraw your consent to electronic communications by contacting Customer Service and stating that you withdraw E-Consent:

Identify yourself clearly (name, email, and application or loan number if you have one) so we can match the request to your file.

Withdrawal is effective after we have had a reasonable opportunity to process it. It does not reverse electronic records or signatures that were already validly provided. Legal notices we already sent electronically remain effective.

If you withdraw consent, we may:

  • Switch future required notices to paper mailed to the address on file, or
  • Close online access and, if we cannot lawfully or practically continue the relationship on paper only, decline to complete a pending application or, where permitted, take other steps described in your loan agreement

We will tell you what will happen in your situation when we process the withdrawal. Withdrawing E-Consent does not, by itself, cancel an outstanding loan or erase amounts you owe.

How to Update Contact Information

You are responsible for keeping your email address, mailing address, and phone number current.

You may update contact information:

We may need to verify your identity before we change an address. If email to you is returned as undeliverable, we may suspend electronic delivery and use another method on file until you provide a working address. Notices sent to the last email or postal address you provided are considered delivered if they were properly addressed.

How to Request Paper Copies

You may request a paper copy of a record we provided electronically. Contact Customer Service by phone, email, or mail and identify the document you need (for example, your loan agreement or a particular statement).

We will explain how the copy will be delivered and any conditions that apply. A paper-copy request is not the same as withdrawing E-Consent. If you want all future records on paper, say that you are withdrawing electronic consent as well.

We may provide copies by mail to the address on file. We do not email attachments that contain full account numbers unless we have a secure method in place for that delivery.

Federal E-SIGN Act Disclosure

The federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq., allows consumer records to be provided electronically if you consent after receiving certain disclosures. This notice is intended to satisfy those requirements.

In plain terms, the E-SIGN Act provides that:

  • A record or signature may not be denied legal effect solely because it is in electronic form
  • If a law requires a record to be in writing, an electronic record can satisfy that requirement when the consumer has consented in the manner the Act describes
  • If a law requires a signature, an electronic signature can satisfy that requirement under the same conditions
  • You must be told whether consent applies only to a particular transaction or to a category of records (our consent applies to the category described in Scope above)
  • You must be told how to withdraw consent, how to update the information we use to contact you electronically, and how to obtain a paper copy
  • You must be told the hardware and software needed to access and retain electronic records
  • After consent, if we change hardware or software requirements in a material way, we must notify you and allow you to withdraw consent without a fee for that withdrawal

By consenting, you confirm that you have read this disclosure, that you can access records in the formats we use (HTML and PDF), and that you have provided an email address you control.

This E-Consent is governed by the same tribal and federal law framework described in our Terms of Use. It does not waive sovereign immunity of the Big Valley Band of Pomo Indians of the Big Valley Rancheria or of Layma, LLC.

If you have questions about this notice before you apply, call 844-600-9939 or email CustomerService@GetLittleLakeLending.com.

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