Félix Technologies Inc. – Electronic Signature Consent Agreement
Definitions
In this ESIGN Consent:
“We,” “us,” “our,” and “Félix” means Félix Technologies Inc. and Félix Credit Inc. (together, the “Company”), and each of their affiliates.
“You” and “your” means the person giving this ESIGN Consent, and each additional account owner, co-borrower, guarantor, authorized user, or representative named on any Félix Product that you apply for, use, or access.
“Communications” means each disclosure, legal notice, agreement, adverse action notice, fee schedule, statement, record, receipt, document, and other information we provide to you, or that you sign, submit, or agree to at our request — including, without limitation, the Terms of Use and amendments to them, loan agreements and related credit disclosures, remittance and money-transfer receipts and confirmations, account statements, error resolution communications, privacy notices, and applicable regulatory notices.
“Félix Product" means each account, product, or service we offer — including remittance/money-transfer services and loan products — that you apply for, own, use, administer, or access through the internet, a website, a mobile application, WhatsApp or other messaging services (including text messaging), email, software applications, or other electronic means, either now or in the future.
“Services” means, collectively, the Félix Products and the website, mobile application, and other platforms through which you apply for, use, or access them.
The words “include” and “including” introduce examples; no list in this Consent is exhaustive.
1. Your Consent to Use Electronic Records and Signatures; Digital-Only Delivery
Before you apply for or use a Félix Product, we will ask you to expressly consent to receive Communications electronically, through a standalone affirmative action (for example, a checkbox or explicit confirmation within the application or enrollment flow) that is separate from your acceptance of the Terms of Use.
By giving this consent, you confirm that: (i) you can access, receive, and retain Communications in the electronic format described in Section 6; (ii) you understand that Félix provides Communications only in electronic form, so there is no paper alternative for continued use of the Services; and (iii) your consent applies to your relationship with Félix as a whole and to all Félix Products — including remittance/money-transfer services and loan products — and not only to a specific transaction, unless a particular Félix Product — such as a loan agreement — separately asks you to give a transaction-specific consent at the time of that transaction.
By checking a box, selecting a confirmation, typing your name, replying through WhatsApp, or taking any other action we identify to you as a signature — that action is your electronic signature, and you intend it to sign that record. Your electronic signature has the same legal effect as a handwritten signature on paper, and an electronic record of your agreement has the same legal effect as a paper record.
2. Your Option to Receive Paper Copies
If we provide a Communication electronically and you want a paper copy, you may request one by contacting us at ayuda@felixpago.com. A fee may apply unless prohibited by applicable law; any fee will be disclosed at the time of your request.
3. New Félix Products; Privacy Policy
Your consent covers all Communications relating to any Félix Product — including remittance/money-transfer services and loan products — and remains in effect until you withdraw it as described in Section 4. When you apply for a new Félix Product, we may remind you that you have already given this consent; if you decide not to receive electronic Communications for that new product, that decision alone does not withdraw your consent for any other Félix Product. We may satisfy any obligation to make our Privacy Policy available by keeping it posted at Félixpago.com/legal/politicas-de-privacidad.
4. You May Withdraw Your Consent at Any Time
You may withdraw your consent to receive electronic Communications at any time by contacting us at ayuda@felixpago.com. There is no fee to withdraw your consent. Because Félix provides its Products and Services only in electronic form, withdrawing may result in cancellation of your Félix account, denial or discontinuation of a loan application, or a limit on your ability to use the product or the Service. Your withdrawal takes effect after we have had a reasonable opportunity to act on it.
5. Keep Your Email and WhatsApp Number Current
You must promptly tell us if your email address or WhatsApp number changes — at the same contact email above or through any update feature in the Services. If you do not keep this information current, you may not receive important communications about your account, a transaction, or a loan, and Félix will not be responsible for any resulting consequences or losses.
6. Hardware and Software You Will Need
To receive and retain electronic Communications, you need: (1) a smartphone, tablet, or computer with an internet connection; (2) an active WhatsApp account, for Communications delivered by WhatsApp; (3) a valid email address; (4) a current version of a web browser and of software that displays PDF files; and (5) the ability to print Communications or store them electronically. “Current version” means a version the publisher still supports.
7. Changes to Hardware or Software Requirements
If these requirements change in a way that creates a material risk that you could not access or retain your electronic Communications, we will notify you of the revised requirements. Continuing to use the Services or a Félix Product after that notice reaffirms your consent.
If you are unable or unwilling to meet the revised requirements, you may withdraw your consent as described in Section 4, without any fee for that withdrawal and without any condition or consequence other than those already disclosed in this ESIGN Consent.
8. Enrollment With Our Assistance or Equipment
If you apply for a Félix Product through a Félix representative or using Félix-provided equipment, your enrollment or application may not be complete until you take an additional action we describe at that time. That action confirms your consent to use electronic records and signatures under this ESIGN Consent.
9. Communications in Languages Other Than English
We may be unable to fulfill and service Félix Products in a language other than English or Spanish. Future Communications may be provided in English or Spanish. The Spanish-language version of this ESIGN Consent and the Terms of Use is intended to be an accurate translation of the English version. In the event of any conflict or discrepancy between the English and Spanish versions, the English version will control.
10. Consent
By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review Electronic Records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all other account owners, authorized signers, authorized representatives, delegates, product owners, and/or service users identified with your Félix Products.
