Electronic Communications Agreement for Providers

Consent for Electronic Signatures, Records, and Disclosures (“E-Consent”)

Last updated: April 2024

Scratch Financial, Inc. and its affiliates and third-party service providers (collectively, “Scratchpay,” "Scratch," “we” and “us”) may need to provide you with certain communications, notices, agreements, billing statements, or disclosures in writing (“Communications”) regarding our products or services (“Services”). Your agreement to this E-Consent confirms your ability and consent to receive Communications electronically, rather than in paper form, and to the use of electronic signatures in our relationship with you (“Consent”). If you choose not to agree to this Consent or you withdraw your consent, you may be restricted from using the Services.

ELECTRONIC DELIVERY OF COMMUNICATIONS AND USE OF ELECTRONIC SIGNATURES

• Under this Consent, Scratchpay may provide all Communications electronically by email, by text message, or by making them accessible via Scratchpay websites or applications. Communications include, but are not limited to, (1) agreements and policies required to use the Services (e.g. this Consent, the Scratchpay Privacy Policy for Providers and the Scratchpay Program Agreement for Providers), (2) payment authorizations and transaction receipts or confirmations, (3) account statements and history, (4) and all federal and state tax statements and documents. We may also use electronic signatures and obtain them from you.

SYSTEM REQUIREMENTS

To access and retain the electronic Communications, you will need the following:

• A computer or mobile device with Internet or mobile connectivity.
• For website-based Communications, a current web browser that supports TLS 1.2 or higher. The browser must have cookies enabled.
• Access to the email address used to establish your Scratchpay Program.
• Sufficient storage space to save Communications and/or a printer to print them.
• If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add [email protected] to your email address book.
• To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader Xpdf® or Foxit® and hardware capable of running this software.

PAPER DELIVERY OF COMMUNICATIONS

• You have the right to receive Communications in paper form. To request a paper copy of any Communication please write to Scratch Financial, Inc., (“Scratchpay”) 225 S. Lake Ave. Suite 250, Pasadena, CA 91101 Attn: Servicing - Clinic Support (“Scratchpay Address” or [email protected]) within 180 days of the date of the Disclosure, specifying in detail the Communication you would like to receive.

WITHDRAWAL OF CONSENT TO ELECTRONIC COMMUNICATIONS

• You may withdraw your consent to receive electronic Communications at any time, by writing to the Scratchpay Address. However, withdrawal of your consent to receive electronic Communications may result in termination of your access to Services. Any withdrawal of your consent will be effective after a reasonable period of time for processing your request.

UPDATING YOUR EMAIL ADDRESS

• You can change your email address by writing to Scratch Financial, Inc. 225 S. Lake Ave. Suite 250, Pasadena, CA 91101 and/or [email protected]