E-Sign Consent

Last updated: November 2026

This consent explains how Challenge Associates provides disclosures, notices and records to you electronically, as required by the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

1. Your consent

By checking the box to agree when you submit a request, you consent to receive electronically all disclosures, notices, agreements and other communications related to our service (“Communications”), and to sign documents electronically. Your electronic signature has the same effect as a handwritten signature.

2. How we provide Communications

We provide Communications by displaying them on our website or in our app, or by sending them to the email address you give us.

3. Hardware and software you need

• A device with internet access and a current version of a major web browser, or the Challenge Associates app
• A valid email address
• Software that can open PDF files
• Enough storage to save Communications, or a printer

4. Paper copies

You may request a paper copy of any Communication at no charge by contacting us.

5. Withdrawing consent

You may withdraw your consent at any time by contacting us. Withdrawing consent may prevent us from providing our service to you. Withdrawal does not affect Communications already provided. Lenders may have their own e-sign consent; contact them to withdraw it.

6. Updating your contact information

Please tell us if your email address changes.

7. Contact us