E-Sign Consent

‍Last Updated: June 15, 2023

Fold, Inc. and its affiliates and third party service providers (“Fold”) may need to provide you with certain communications, notices, agreements, or disclosures in writing (“Communications”) regarding our website, mobile app, products, and services (“Services”). Your agreement to this E-sign Consent confirms your ability and consent to receive Communications electronically from Fold, its affiliates, and its third party service providers, 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, Fold may provide all Communications electronically by email, by text message, or by making them accessible via Fold websites or applications. Communications include, but are not limited to, (1) agreements and policies required to use the Services (e.g. this Consent, the Fold Privacy Policy, the Fold App Terms and Conditions, Spinwheel Official Rules, Fold Exchange Services and the Fold Cardholder Agreement), (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.
• Access to the email address used to create an account for Fold Services.
• 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 noreply@messaging.Foldup.com to your email address book.

For desktop website-based Communications:

• Recent web browser that includes 256-bit encryption;
• The browser must have cookies enabled. Use of browser extensions may impair full website functionality; and
• Minimum recommended browser standards are the most recent versions of Mozilla Firefox (see http://www.mozilla.com for latest version), Apple Safari (see http://www.apple.com/safari for latest version), or Google Chrome (see http://www.google.com/chrome for latest version).

For application-based Communications:

• A recent device operating system that supports text messaging, downloading, and applications from the Apple App Store or Google Play store; and
• The most recent versions of Apple Safari or Google Chrome on iOS or Google Chrome for Android OS.

Paper Delivery of Communications

You have the right to receive Communications in paper form. To request a paper copy of any Communication at no charge, please write to Fold, Inc., 11201 N Tatum Blvd, Ste 300 #42035 Phoenix, AZ 85028, Attn: Customer Support (“Fold Address”) within 180 days of the date of the Disclosure, specifying in detail the Communication you would like to receive. For the avoidance of doubt, requesting a paper copy of any Communication, in and of itself, will not be treated as withdrawal of consent to receive electronic Communications.

Withdrawal of Consent to Electronic Communications

You may withdraw your consent to receive electronic Communications at any time, by writing to the Fold Address. However, withdrawal of your consent to receive electronic Communications will 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, and Fold will confirm your withdrawal of consent and its effective date in writing (either electronically or in paper form).

Updating Your Email Address

You can change your email address by writing to the Fold Address. You may also be able to change your email address yourself through the Services.