TCPA & E-Sign Consent

1. TCPA Consent to Contact

1.1 Your Express Written Consent

By submitting your information on UtahLoanRelief.com, you expressly consent and agree to receive communications from us, our Partners, and our service providers at the telephone number(s) and email address(es) you provide. This consent includes communications for the following purposes:

• Marketing and promotional offers related to debt relief, refinancing, and related financial services
• Service-related communications about your inquiry or application
• Follow-up communications regarding products and services you may be interested in
• Market research and customer satisfaction surveys

1.2 Methods of Contact

You agree that we, our Partners, and our service providers may contact you using any of the following methods:

• Telephone Calls: Including calls made using an automatic telephone dialing system (ATDS or "autodialer")
• Text Messages (SMS/MMS): Including automated text messages sent to your mobile phone or wireless device
• Emails: To the email address(es) you provide
• Prerecorded or Artificial Voice Messages: Including voice messages delivered by automated systems

1.3 Who May Contact You

Your consent applies to communications from:

• UtahLoanRelief.com and our affiliated companies
• Our Partners, including lenders, debt relief companies, credit counseling organizations, and other financial service providers to whom we may refer your information
• Service providers acting on behalf of us or our Partners (such as marketing companies, call centers, and technology providers)

We may share your information with multiple Partners, and each Partner may contact you independently. You may receive communications from more than one company.

1.4 Calls and Messages to Mobile/Wireless Numbers

If you provide a mobile phone or wireless telephone number, you consent to receive calls and text messages at that number, including those made using automated dialing systems or prerecorded/artificial voices. You are not required to consent to receive autodialed or prerecorded calls or texts as a condition of purchasing any goods or services.

1.5 Standard Message and Data Rates

Standard message and data rates from your wireless carrier may apply to any text messages you receive. You are responsible for any charges imposed by your wireless carrier for such messages. Message frequency varies depending on your activity and engagement with us and our Partners.

1.6 Consent Applies to Do Not Call Registry

Your consent applies even if your telephone number is registered on any state or federal Do Not Call list. By providing your telephone number, you are establishing a business relationship with us and our Partners, which permits contact for purposes related to that relationship.

1.7 Consent Is Not Required for Purchase

You are not required to provide this consent as a condition of purchasing any property, goods, or services. However, if you do not consent, we and our Partners will not be able to contact you about refinancing options, debt relief services, or other financial products that may be of interest to you.

2. Revoking or Modifying Your Consent

2.1 Your Right to Revoke

You have the right to revoke or modify your consent at any time. Revocation will be effective for future communications after we process your request.

2.2 How to Revoke or Opt Out

To revoke your consent or opt out of communications, you may:

• Email us at: optout@utahloanrelief.com
• Reply "STOP" to any text message to opt out of SMS communications from that sender
• Click "Unsubscribe" in any marketing email to opt out of email communications from that sender
• Tell the caller during any phone call that you wish to be placed on that company's do-not-call list
• Submit a request through our website contact form

2.3 Important Notes About Opt-Out

Please be aware:

• If you opt out of communications from one Partner, you may still receive communications from other Partners to whom your information was previously shared
• You must separately opt out of communications from each company that contacts you
• Opt-out requests may take up to 10 business days to process
• Even after opting out of marketing communications, you may still receive important service-related messages (such as confirmations, security alerts, or legal notices)

3. E-Sign Consent (Electronic Signatures and Records)

3.1 Consent to Electronic Disclosures

By submitting your information and using our services, you consent to receive all disclosures, notices, agreements, documents, receipts, and other communications (collectively, "Communications") in electronic form. This includes:

• This TCPA & E-Sign Consent
• Our Privacy Policy and Terms of Service
• Any loan agreements, credit applications, or debt relief program agreements
• Disclosures required by federal or state law
• Account statements, payment confirmations, and transaction records
• Amendments or updates to any agreements or policies

3.2 Electronic Signatures

You agree that:

• Your submission of information through our online forms constitutes your electronic signature
• Electronic signatures have the same legal force and effect as handwritten signatures
• You consent to be bound by electronic signatures, contracts, and records
• We and our Partners may rely on your electronic signature as evidence of your agreement

3.3 Hardware and Software Requirements

To access and retain electronic Communications, you must have:

• A device with internet access (computer, smartphone, or tablet)
• A current web browser that supports 128-bit encryption (such as Chrome, Firefox, Safari, or Edge)
• An active email address
• Sufficient storage space to save records or a printer to print them
• Software capable of reading PDF files (such as Adobe Acrobat Reader)

You are responsible for ensuring you have the necessary equipment and software to receive electronic Communications. If your hardware or software changes, you must notify us if you can no longer access electronic Communications.

3.4 How We Deliver Electronic Communications

We may provide electronic Communications to you by:

• Posting the Communication on our website or a secure portal
• Sending the Communication to the email address you provided
• Sending you a notification that a Communication is available for viewing

You agree to promptly check your email (including spam/junk folders) and any secure portals for Communications from us or our Partners.

3.5 Your Right to Receive Paper Copies

You have the right to receive a paper copy of any electronic Communication. To request a paper copy, contact us at:

We will provide paper copies at no charge, unless otherwise specified in any applicable agreement with a Partner.

3.6 Updating Your Contact Information

You must promptly notify us if your email address or other contact information changes. If you do not keep your email address current, you may not receive important Communications. To update your contact information, email us at support@utahloanrelief.com.

3.7 Withdrawing Your E-Sign Consent

You have the right to withdraw your consent to receive electronic Communications and to receive paper copies instead. To withdraw consent, contact us using the information in Section 3.5.

Important: If you withdraw your E-Sign consent:

• Your withdrawal will be effective after we have a reasonable time to process it
• You may be charged fees for paper copies (if permitted by applicable agreements)
• We or our Partners may terminate your access to electronic services
• You may not be able to complete certain transactions electronically

3.8 Retaining Electronic Records

We recommend that you download and save or print all electronic Communications for your records. While we will maintain records as required by law, you are responsible for retaining your own copies of important documents.

4. Scope and Duration of Consent

4.1 Ongoing Consent

Your consent to be contacted and to receive electronic Communications remains in effect until you revoke it, even if:

• You do not proceed with a loan or debt relief program
• Your application is denied
• You obtain services from a Partner
• You complete a debt relief program

4.2 Consent Covers Subsequent Inquiries

If you submit multiple inquiries or requests through our Site (even at different times), this consent applies to all such submissions unless you specifically revoke consent.

5. Federal Law Compliance

This consent is provided in compliance with:

• The Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227
• The Electronic Signatures in Global and National Commerce Act (E-Sign Act), 15 U.S.C. § 7001 et seq.
• The Uniform Electronic Transactions Act (UETA)
• Federal Communications Commission (FCC) regulations

6. Questions or Concerns

If you have questions about this TCPA & E-Sign Consent, please contact us: