E-Sign & Electronic Communications Notice

Last Updated: September 1, 2025

YOUR CONSENT TO ELECTRONIC DELIVERY ("Consent Statement")

You are applying for a Standard Economics Card. If you consent to this Consent Statement for this Program, it applies even if you do not obtain (or are not offered) a Standard Economics Card.

Your affirmative consent to this E-Sign & Electronic Communications Notice ("Consent") permits us to provide you such communications electronically, enables you to sign and authorize communications electronically through the use of the Standard Economics app (and, in the future, our website, if available), and allows Standard Economics and our card issuing partner, Standard Economics, to collect such e-signatures. If you do not consent to electronic delivery of communications, you will not be able to use the Service. By registering for a Standard Economics account, applying for a Standard Economics Card, or accessing the Standard Economics app, you agree that such registration constitutes your electronic signature, and you consent to us providing notices to you and any authorized users, including all notices required by law. You understand that this consent has the same legal effect as a physical signature.

You have the right to receive legal disclosures, notices, and communications (together, the "Covered Items") in paper form by mail. We may instead provide these Covered Items to you electronically if you give us your Consent to do so and satisfy the System Requirements below. For purposes of this Consent Statement, the Covered Items include all servicing and collection communications on your account, as well as all legal disclosures, notices, and communications that Standard Economics and our partner Standard Economics are required to provide in writing regarding your account.

In this Consent Statement, "we," "us," and "our" refer to: Standard Economics Corp. and our service providers.

Duration of Consent

Your Consent will remain effective until:

  • You or we have terminated the Program or your Standard Economics Card; or
  • You opt out of electronic communications.

If you terminate your Standard Economics Card, your Consent will still continue with respect to the pre-termination rights of Standard Economics and our partner Standard Economics (including rights created by your Consent to this Consent Statement). Please refer to your cardholder agreement for information on how to terminate your Standard Economics Card.

Methods of Providing Covered Items

In this document, "provide" means to deliver, make available, send, notify, or a similar term. We may provide the Covered Items electronically through files—including those in PDF format—downloadable from the Standard Economics App (or, in the future, our website). It is your responsibility to review the Covered Items promptly so you can take appropriate action.

Access to Paper Copies

You may make copies of the Covered Items by using the "print" or "save" functionality of the application in which you are viewing the Covered Items (e.g., your iPhone's app, a web browser, Adobe® Reader® software). We retain copies of the Covered Items for the time periods required by law and will provide you with copies upon request within those time periods. We do not necessarily retain copies for longer than is required by law. Please save or print copies of the Covered Items to ensure you have them when needed.

You may request a paper copy at no cost of any Covered Item by calling us at +1 (908) 303-0777 or emailing us at support@standardeconomics.com.

Our Right to Send Paper

We reserve the right to provide the Covered Items in paper form at all times at our discretion, even if you have given us Consent to provide them electronically. For example, we may do this in the event of a system outage or if we suspect fraud.

Hardware and Software Requirements

To access and retain the Covered Items, you must have a computing or communications device with:

  • Working Internet access
  • If accessing via our website (in the future), a web browser that supports 128-bit encryption (we support the latest versions of Chrome®, Firefox®, Microsoft Edge®, or Safari®); if accessing via the Standard Economics App, a compatible, up-to-date iOS device
  • At least 16 MB of available memory (32 MB of RAM recommended)
  • A program that can view, save, and print PDF files (such as Adobe® Reader® 4.0 or higher)

You can download Adobe® Reader® by following the instructions on Adobe's website (a new browser window will open when you select the download link). By providing your Consent, you confirm that you meet all of the above System Requirements.

Withdrawing Consent

You are free to withdraw your Consent at any time and at no charge to you. If you withdraw your Consent prior to the approval of your application, this will prevent you from receiving credit from us over the Internet. To withdraw your Consent at any time, please email us at support@standardeconomics.com. Please note that if you decide to withdraw your Consent, the legal effectiveness, validity, and/or enforceability of any prior electronic disclosures will not be affected.

Acknowledging Ability to Access and Consenting to Electronic Communications

By confirming that you have read and agreed to these terms, you are acknowledging that:

  • You have access to a device that meets the requirements set forth above;
  • You agree to receive Covered Items electronically; and
  • You are able to access and print or store the information presented to you.