You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, "Communications") that we provide in connection with your Chipper Cash account ("Account") and your use of our services. You should read this consent and policy carefully and print them for future reference.

From time to time, Voyse Technologies US, Inc. (we, us, our, or Chipper Cash) and its affiliates and subsidiaries may be required by law to provide to you certain written notices or disclosures (“Communications”). Described below are the terms and conditions for providing to you such communications electronically through your email. Your agreement to this E-Sign Policy and Consent validates your ability and consent to receive these Communications electronically rather than in paper form. If you withdraw your consent later or do not agree to this Consent, you may be restricted from using Our services.

We may always, in our sole discretion, provide you with any Communication in writing, even if you have chosen to receive it electronically. Certain Communications may be required by law to be provided on paper. Please note that sometimes you may be required to provide us with a Communication through a paper writing.

Definitions

“We,” “us,” “our,” “Company,” “Chipper Cash” means Voyse Technologies US, Inc. and/or each of its current and future affiliates.

“You” and “your” means the person giving this consent, and also each additional account owner, authorized signer, authorized representative, and/or service user identified on any Company account, product or service that you apply for, administer, use or access.

“Transaction” means each and every account, product or service we offer that you apply for, own, use, administer or access, either now or in the future.

“Electronic Records” means all documents, contracts or other records created, generated, sent, communicated, received, or stored by electronic means, whether via the internet, this website, email, messaging services, including text messaging and/or software applications, related to any product, service, or account you obtain, apply for, use, administer, or access through us, either now or in the future, including but not limited to: (i) government agency forms and disclosures, consumer disclosures, payment authorizations, account or billing statements, and privacy policies, (ii) certain written notices, disclosures agreements, fee schedules, statements, records, documents, and other information we provide to you, or that you sign or submit or agree to at our request, and (iii) any other information, records, and/or Communications regarding your transactions with us.

“Electronic Signature” means an electronic process or symbol, attached to or implemented in a document, contract or other Electronic Record or Communication and executed or adopted by a person with the intent to sign the record.

“Communications” means each notice, disclosure, agreement, acknowledgment, consent, statement, record, document, and other information we provide to you, or that you sign or submit or agree to at our request.

Methods Used to Send Communications & Scope of Electronic Communications

Under this Consent, Chipper Cash reserves the right to provide all Communications electronically via email, text message, through our website or as a Push Notification via our mobile application. Communications include but are not limited to the following:

All Notices and Disclosures Will Be Sent to You Electronically

You agree to receive all Communications electronically and conduct all Transactions with us through the use of Electronic Signatures, which may consist of clicking through buttons, checking boxes or other industry accepted practices and processes implemented by us or our third-party vendor. You further acknowledge that you can access and read this Electronic Records Consent and Policy. You can print on paper the disclosure or save or send the disclosure to a place where you can print it, for future reference and access. In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request as part of our Transactions with you may be in electronic form, and you may be required to use Electronic Signatures for us to obtain Communications from you. You agree to the use of such Electronic Signatures and Electronic Records. We may provide Electronic Records to you via posting them online on this website, email attachments, embedded links, messaging services, including text messaging and/or push notifications via our applications. You agree that your consents will remain in effect until you give us notice that you are withdrawing it.

Withdrawing Your Consent

You may withdraw your consent to the use of Electronic Records and Electronic Signatures at any time by emailing us at [email protected] or sending a written request to Critical Ideas, Inc. 180 Montgomery Street, Suite 1860, San Francisco, CA, 94104, ATTN: Customer Support - Legal. You will not be charged any fees for withdrawing your consent. Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.

Consequences of Changing Your Mind

If you fail to provide or if you withdraw your consent to receive Communications electronically, Chipper Cash reserves the right to either deny your application for an Account, restrict or deactivate your Account, close your Account, or charge you additional fees for paper copies.To indicate to us that you are changing your mind, you must withdraw your consent by following the steps mentioned above.

Updating Your Contact Information

To let us know of a change in your e-mail address where we should send notices and disclosures electronically to you, you must send an email message to us at [email protected] and in the body of such request you must state: your birthdate, your previous e-mail address, and your new e-mail address.

Requesting Paper Copies

If we provide to you Electronic Records, you have the option to receive paper copies. To obtain a paper copy, you can print out a copy from your computer, or you may request a paper version by emailing us at [email protected]. or sending a written request to Critical Ideas, Inc. 180 Montgomery Street, Suite 1860, San Francisco, CA, 94104, ATTN: Customer Support - Legal. We may charge, and you may have to pay, a reasonable service fee for the paper copy except as prohibited by applicable law. Requesting a paper copy in itself will not be a withdrawal of your consent. Your consent will remain in effect until you give us notice that you are withdrawing it.

Required Hardware and Software

To receive Electronic Records and use Electronic Signatures, you must have access to: a computer with internet access, email capability, an operating system with 128-bit security encryption (e.g., Windows2000 or Windows XP, or an equivalent), and sufficient storage capacity if you wish to retain Electronic Records in electronic form; an active and valid email account; a current version of an Internet browser we support (Internet Explorer 7.0 or higher, Mozilla FireFox 4.0 or higher, or an equivalent); and a current version of software that allows you to view PDF documents. To print a hard copy of any Electronic Records you receive, you will need a printer. These minimum requirements are subject to change. If these requirements change, we will provide you with an email message at the email address we have on file for you at that time providing you with the revised hardware and software requirements, at which time you will have the right to withdraw your consent. We reserve the right to discontinue support of any software if we determine in our discretion that such software contains a security flaw that makes it unsuitable for use. We will notify you of any revised hardware or software requirements that would create a material risk that you would not be able to access or retain your Electronic Records.