Electronic Communications Disclosure Policy
(E-Consent Policy)

Last Update: February 28, 2013

This policy describes how Spark Pay delivers communications and disclosures to you in electronic format only. We may add to, change or delete any of these terms at any time by posting a revised version of the policy on our website (, or sending you a notice by email or in writing. The revised version will be effective immediately as of its posting.

1. Electronic delivery of communications

By agreeing to our E-consent policy, you agree and consent to receive in electronic format all communications, agreements, documents, notices, billing statements and disclosures (collectively, "Communications") that we provide in connection with your Spark Pay account ("Account") and your use of our services. These Communications typically will not be provided in paper.  You also agree that your electronic signature on any agreements or documents on Spark Pay has the same effect as a physical signature.

We will provide these Communications to you by posting them on the Spark Pay website and/or by emailing them to you at the email address listed in your Spark Pay profile. You may obtain paper copies of any Communications by printing them out, or by contacting us and requesting that we mail paper copies to the address listed in your Account profile.

2. Electronic Communications requirements

In order to access and retain electronic Communications, you will need the following computer hardware and software:

We will notify you if there are any changes to the hardware or software needed to receive electronic Communications from Spark Pay. By giving your consent to our policy, you are confirming that you have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for your records. You may print or save a copy of any of these Communications for your records, as they may not be accessible online at a later date.

3. Withdrawal of consent

You may withdraw your consent to receive Communications in electronic format at no cost to you by emailing us at

If you fail to provide, or if you withdraw, your consent to receive Communications in electronic format, Spark Pay reserves the right to deny your application for an Account, restrict or deactivate your Account, or close your Account.

4. Requesting paper copies of electronic Communications

If after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously sent you, you may request a copy within 180 days of the date we provided the Communication to you by contacting us as described above. We will send your paper copy to you by U.S. mail to the street address on file as your "Home Address" in your Account profile. We reserve the right to impose a fee for copies.

5. Updating your contact information

It is your responsibility to keep your email address up-to-date so that Spark Pay can communicate with you electronically. You understand and agree that if Spark Pay makes available or sends you an electronic Communication but you do not receive it because your email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Spark Pay will be deemed to have provided the Communication to you.

Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add Spark Pay to your email address book so that you will be able to receive the Communications we send you.

You can update your email address or street address at any time by logging into the Spark Pay website and visiting the "Account" tab. If your email address becomes invalid such that electronic Communications sent to you by Spark Pay are returned, Spark Pay may deem your Account to be inactive, and you will not be able to transact any activity using your Spark Pay Account until we receive a valid, working email address from you.

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