Terms for Electronic Transactions and Records

Please read this carefully and retain a copy for your reference.

1. Definitions.

“We,” “us,” and “our” means Shogun Enterprise Inc, doing business as Hearth or Hearth Brokerage (“Hearth”), its successors, and assigns.

“You” and “your” means the person giving this consent.

“Records” means all documents related to using our personal loan and other products and services request services offered on the Websites, including any communications made between you and us and between you and the Lender or Provider related to your request for the loan or other products and services, disclosures, information about action taken on your request, privacy policies, and all other communication or information related to the loan or other product or service you obtain through us, including any records we are required by law to provide to you in writing.

2. Scope of Consent.

By accepting these Terms for Electronic Transactions and Records, you consent to conduct transactions with us and Hearth's lending partners electronically, use electronic signatures and Records, and receive electronic mail (email) and electronic communication with respect to any and all transactions and Records regarding your account, instead of receiving them in paper or by regular mail. Your consent will be effective unless you withdraw it in the manner provided below.

We may provide Records to you electronically by posting them online or by email, which may include attachments or embedded links.

3. How to Update Your Contact Information.

You agree to provide us with your accurate email address and personal contact information and to promptly notify us of any changes. You can update your information (including your email address) by contacting Hearth Customer Service at 855-997-7550 or by emailing support@gethearth.com. If email is undeliverable to your email address for three consecutive months, your consent will be considered withdrawn and we will send you future Records in writing.

4. Obtaining Paper Copies.

You may obtain a paper copy of a Record by printing it from your computer or contacting Hearth Customer Service at 855-997-7550 or by emailing support@gethearth.com. We may charge you a reasonable service charge for providing you with a paper copy of any Record if permitted by state law. The request for a paper copy of a Record will not by itself constitute a withdrawal of your consent to receive Records electronically. We reserve the right, but are not required, to send a paper copy of any Record you authorize us to provide electronically.

5. Failing to Provide Consent and Withdrawing Consent.

If you do not consent to the use of electronic signatures and Records, you will not be able to complete the transactions for the loan requests or requests for other products or services.

You may at any time withdraw your consent to receive Records electronically, and instead elect at any time to use the U.S. Postal Service to obtain Records, by contacting Hearth Customer Service at 1-800-555-8733 or by emailing customercare@shoguninc.com.

We will not impose any fee if you withdraw your consent to receive Records electronically, but communications between you and us will be slower. If you withdraw your consent to receive Records electronically, such withdrawal will not apply to Records that were furnished by us to you electronically before the date on which the withdrawal of your consent takes effect.

6. Hardware and Software Requirements.

In order to use Electronic Transactions and Records you need to have an electronic device that satisfies the following:

Save and print a copy of this document to make sure that you have the necessary hardware and software. If we ever change the hardware or software requirements in a way that creates a material risk that you will not be able to access or retain a Record that we previously sent you, we will send you notice of the revised requirements. Please save and print a copy of these Terms for Electronic Transactions and Records to confirm that you have the required hardware and software to conduct electronic transactions with us.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (“next”) you agree that: