✅ Application Flow Summary

 1. Terms of Use

By using the lender to submit an application through website, mobile app, or services—even if you don’t take a loan—you agree to the website and mobile application Terms of Use, which include standard terms on service access, arbitration, account rules, and limitations of liability

2. Privacy Notice (Privacy Policy)

the lender's Program Privacy Policy explains:

• What personal data we collect (e.g. SSN, income, credit history)
• How they use and share your data (including third parties and affiliates)
• Your rights under California’s CCPA/CPRA (e.g. opt-outs, data deletion)
• Retention and data security practices
  It’s effective as of June 18, 2025 and applies across their websites, mobile apps, and communication channels

3. Consent to Electronic Records & Communication

Borrowers affirm that they:

• Can receive loan agreements, disclosures, account updates, statements, and notices electronically instead of on paper 
• Accept using electronic signatures, which hold the same legal weight as physical ones 
• Meet technical requirements (e.g. valid email, PDF reader, supported browser/device) 
• Understand they can withdraw consent at any time without cost—but doing so may prevent loan approval or account access
  Borrowers can still request paper versions at no cost
• links to terms & policies:  https://www.greensky.com/privacy-policy/ |  https://www.greensky.com/terms/website_terms_of_use/  |  https://www.greensky.com/information.pdf