Last modified: July 2025
Please review the terms of this Electronic Consent Policy (“Policy”) carefully and retain a copy for your records.
You consent and agree to receive disclosures from Perpay, Inc. and our successors, assigns, agents, affiliates, bank partners, and service providers, including but not limited to Celtic Bank, the issuer of your Credit Card Account (“Perpay,” “we,” “us,” “our”), electronically for products and services offered or accessible through the Perpay website or mobile application (the “Services”). The Services include but are not limited to a Perpay Mastercard credit card account with Celtic Bank (“Credit Card Account”). By consenting to the electronic delivery of disclosures, you agree that we may provide electronically any and all communications regarding the Services, including but not limited to:
• any communications relating to your application for and/or use of a Credit Card Account, including notices of adverse action;
• customer agreements or amendments thereto;
• statements;
• consents;
• policies;
• payment authorizations and receipts;
• privacy policies and notices; and
• any other disclosures or notifications required by applicable laws or regulations (collectively, “Communications”).
By applying for and/or using a Service to which this Policy applies, you represent that: (1) you have read and understand this consent to use electronic signatures and to receive Communications electronically; (2) you satisfy the minimum hardware and software requirements specified below; (3) you meet, and during the time this consent is in effect, you will continue to meet, the Servicing Email Address requirements specified below; and (4) your consent will remain in effect until you withdraw your consent as specified below.
The Services are intended for use only by persons who are willing and able to receive Communications exclusively by electronic means. In order to proceed with an application or a Credit Card Account, you must consent to electronic delivery of Communications. If you do not provide this consent, you will not be able to proceed with the application process. We reserve the right, in our sole discretion, to send Communications to you in paper form, but doing so will not negate your consent herein or require us to send paper documents at any other time in the future.
1. Method of Providing Communications Electronically
You agree that we may contact you using any technology and methods of our choice, including through the Perpay website or mobile application or by email. This includes using an automated system to contact you by email, device-level notification, or other electronic notification method supported by the software you use to access the Services. We may use any email addresses that you give to us. You understand and agree that anyone with access to your email account, device, or computer may read the messages that we send you. You agree that we will not be liable for any charges that you incur in connection with emails, device-level notifications or other Communications that we send to you.
2. Requesting Paper Copies
You may request a paper copy of any Communications that we have provided electronically at no cost to you. To request a paper copy, email us at hello@perpay.com.
3. Updating Your Contact Information; Servicing Email Address
To ensure that you receive and have access to electronic information, you must keep your contact information (email address, phone number, physical address, and any other information necessary to contact you) current with us. You are responsible for notifying us of any change in your contact information by emailing us at hello@perpay.com. If you do not update/maintain your contact information, thus possibly precluding Perpay from communicating with you, you agree not to hold Perpay liable for any loss or damage that may result.
In order to consent to receive Communications electronically, you must provide and maintain with us with a valid and working email address for yourself. This email address is referred to as the “Servicing Email Address.” You agree that we may use the email address you have provided us for use with your Credit Card Account as the Servicing Email Address for that Credit Card Account. You agree that the email address we use as the Servicing Email Address will at all times be a valid and working address, and that you will provide us with a new email address to use as the Servicing Email Address if you cease using the email address previously designated as the Servicing Email Address or if you learn it no longer properly operates or if you can no longer access it. You agree that if we send any Communications by email to the Servicing Email Address you have provided us and such email message is returned as undeliverable, we will be deemed to have provided such Communications to you. Additionally, you agree that if the Servicing Email Address you have provided us does not appear to be valid or working, we may contact you via legally permissible means (including via mail to the physical address and phone call to the telephone number(s) you have provided to us) to request update of the Servicing Email Address. If at any time the Servicing Email Address is an address shared with another person or entity, you agree that we may attribute to you receipt of any Communications sent to that email address even if another person receives them, does not provide you with notice about them, or deletes them. You agree to instruct any person who shares or has access to the Servicing Email Address to promptly show you Communications sent to that email address.
4. Withdrawal of Consent
You may withdraw your consent to receipt of electronic disclosures at any time by emailing us at hello@perpay.com. You will need to provide your full name, resident address, email address, and phone number associated with your application for a Credit Card Account or your Credit Card Account. Any withdrawal of your consent to receive electronic communications will be effective only after we have had a reasonable period of time in which to process your withdrawal request. If you withdraw your consent, you will no longer be able to do business with us electronically, but this will not affect the legal effectiveness, validity or enforceability of any Communications provided to you electronically before your withdrawal became effective. If you withdraw your consent, you will no longer be able to use or access certain Services. If you choose to withdraw your consent, the option to electronically download documents and records from the website in addition to receiving statements and notice via postal mail shall remain.
5. Amendments
We reserve the right, in our sole discretion, to amend this Policy at any time without notice to you, to the extent permitted by applicable law.
6. Hardware and Software System Requirements
To electronically receive and view and electronically save or print the Communications, you
must have the following:
• A computing device such as a desktop, laptop, tablet, mobile phone or similar computing device;
• A connection to the internet with a modem or other method of access (e.g., public access);
• A contract with an Internet Service Provider (“ISP”) in order to connect to the internet; and
• Internet browser software such as Mozilla Firefox, Google Chrome, or Apple Safari to access the Communications.
Your internet browser software must be able to use 256-bit encryption to enable Secure Sockets Layer (SSL). Adobe® Acrobat Reader® 4.0 or higher (or another program providing similar functionality) is required to open and/or save a portable document format (PDF). To confirm that you can access a document in a PDF format, please click here.
If you cannot access the document, you need to obtain the necessary Adobe software that can be downloaded at no cost on Adobe’s website at this link. If you click on this link, another browser window will open and you will be directed to Adobe’s website. If you ever have trouble accessing, receiving, or retaining electronic communications, check the systems requirements above or contact us at hello@perpay.com
© Perpay Inc., 2026
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