E-Sign & Electronic Communications Notice
Last updated: March 18, 2025
Your consent to electronic delivery ("Consent Statement")
You are applying for, accessing, or using products or services offered by Dakota Ridge, Inc. ("Dakota," "we," "us," or "our"), including services provided in partnership with our banking partners. By consenting to this E-Sign & Electronic Communications Notice ("Consent"), you agree that this Consent applies to all Dakota products and services, even if you do not ultimately obtain or are not offered a specific product or service.
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 Dakota Platform (the "Platform"), and allows Dakota and its partners to collect such e-signings. If you do not consent to electronic delivery of Communications, you will not be able to use the Dakota Platform and related Services, including the Dakota Card. By registering for a Dakota Account, applying for a Dakota Card, or accessing any Dakota Services, you agree that such registration constitutes your electronic signature, and you consent to us providing notices to you, your Company Administrators, and Users, including in each case those required by law, and you shall ensure that all Company Administrators and Company Users consent to receiving notifications, electronically. 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 Dakota is required to provide in writing regarding the account.
1. Consent
After you have read this information, if you agree to receive and accept the Covered Items from Dakota electronically, and if you agree to the general use of electronic records and electronic signatures in connection with your account(s) at Dakota, please acknowledge your acceptance of this consent by checking the box before you are able to continue with your application. In doing so, you are providing your affirmative consent to use electronic communications ("Consent"). By checking the box, you are also confirming that you meet the system requirements described below, that you have demonstrated your ability to receive, retain, and view electronic Covered Items on your access device, and that you have a current email address.
You agree to print out or download the Covered Items when we advise you to do so and keep them for your records. If you have any trouble printing or downloading any of the Covered Items, you may contact us by email at hello@dakota.xyz.
If you wish to change your notification email address, please contact us by email at hello@dakota.xyz.
2. Duration of Consent and right to Withdraw
Your Consent will remain effective until: (1) you no longer have a Dakota account or (2) you withdraw your Consent. You may withdraw your consent to receive Covered Items electronically by contacting us at hello@dakota.xyz. If you fail to provide, or if you withdraw your Consent to receive Covered Items electronically, we reserve the right to immediately close your Dakota Account or charge you additional fees for paper copies.
3. Methods of Providing Covered Items
In this Notice, "provide" means to deliver, make available, send, notify or similar term. We may provide the Covered Items electronically through files, including those in PDF format, downloaded from our website. It is your responsibility to review the Covered Items promptly, so you can take appropriate action.
4. System Requirements
In order to access the Covered Items electronically, you must have:
- A compute with an Internet connection
- A current web browser that supports the Web Authentication API and passkeys (e.g. Edge version 108 and above, Firefox version 122 and above, Chrome version 108 and above, or Safari version 16.1 and above) with cookies enabled
- The ability to view and retain Portable Document Format (PDF) files
- An email address
- Either a printer, hard drive or other storage device
You represent that you have the hardware, software, email address and capacities described above, and your ability to read this Consent demonstrates that you have the necessary hardware and software to receive Communications electronically.
5. 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. 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. Save or print copies of Covered Items to ensure you have them when needed.
You may withdraw your consent to receive electronic Communications at any time, without charge. However, withdrawing your consent may limit or prevent your ability to use certain Dakota products or services that require electronic Communications.
You may request a paper copy of any Communication at no cost. If, in the future, Dakota offers optional paper delivery services that involve additional handling or mailing, we will notify you in advance of any applicable fees before such fees are charged.
6. 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 it electronically. For example, but without limitation, we may do this if we have a system outage or if we suspect fraud.
7. Acknowledging Ability to Access and Consenting to Electronic Communications
By confirming that you have read and agreed to these terms, you are confirming that (1) you have access to a computer system that meets the requirements set forth above; (2) you agree to receive Covered Items electronically; and (3) you are able to access and print or store information presented to you.
Important: please print and retain this consent and authorization.