In connection with my application for credit with JH Capital (“Company”), I understand that the Company may obtain a consumer report about me from one or more consumer reporting agencies for the purpose of evaluating my application for credit and, as permitted by applicable law, reviewing or servicing any resulting account.

A consumer report may contain information regarding my credit history, credit accounts, payment history, outstanding obligations, public-record information, inquiries, and other information maintained by the consumer reporting agency and permitted by applicable law.

Authorization
By signing below, I authorize JH Capital  and its authorized service providers to obtain and use consumer report information about me for the purpose of evaluating my application for credit and for other purposes permitted by applicable law in connection with any resulting credit relationship.

I understand that this authorization does not guarantee that my application will be approved or that I will qualify for the amount of credit requested.

I acknowledge that I have read and understand this Consumer Report Disclosure and Authorization.

Approved Privacy Notice

Prime Pockets (“Prime Pockets,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, submit an inquiry or application, purchase services, or otherwise interact with us.

Information We Collect
We may collect personal information that you voluntarily provide to us, including:

Name
Mailing or business address
Email address
Telephone number
Business information
Information submitted through forms or applications
Billing and payment information
Transaction information
Communications with our company
Other information necessary to provide requested services
Depending on the product or service requested, we may also collect additional information necessary to verify identity, evaluate eligibility, process transactions, or comply with applicable legal and regulatory requirements.

We may automatically collect certain technical information when you use our website, including IP address, browser type, device information, pages visited, referring website, and other website usage information.

How We Use Your Information
We may use information collected through our website to:

Provide and administer our products and services
Respond to inquiries and customer service requests
Process authorized payments and transactions
Verify customer information
Review applications or service requests
Communicate regarding your account, transaction, or requested service
Send service-related notices and updates
Prevent fraud and unauthorized activity
Maintain and improve our website and services
Maintain business and transaction records
Comply with legal, regulatory, and contractual obligations
Payment and ACH Information
When you authorize an ACH or other electronic payment, payment information may be collected or processed by our authorized payment processing partners.

We use payment information only for authorized transactions, payment administration, recordkeeping, fraud prevention, and related business purposes.

We do not request or require customers to provide their online banking username or password directly to Prime Pockets.

How We Share Information
We do not sell your personal information.

We may disclose information to third-party service providers that assist us with services such as payment processing, website hosting, technology, customer management, identity verification, professional services, fraud prevention, and other legitimate business operations.

We may also disclose information when required by law, regulation, court order, governmental request, or when reasonably necessary to protect our company, customers, or others against fraud, security threats, or unlawful activity.

Service providers are provided information only as reasonably necessary to perform services on our behalf or as otherwise permitted by law.

Approved Electronic Communications Consent

This Electronic Communications and E-SIGN Consent (“Consent”) describes how Prime Pockets (“Prime Pockets,” “we,” “us,” or “our”) may provide communications, agreements, notices, disclosures, records, and other documents to you electronically.

Please read this Consent carefully before agreeing.

Consent to Electronic Communications
By selecting the applicable checkbox, clicking an acceptance button, providing an electronic signature, or otherwise affirmatively consenting, you agree that Prime Pockets may provide communications and records to you electronically in connection with the products or services you request.

Electronic communications may include, as applicable:

Applications and application-related communications
Service agreements and contracts
Payment authorizations and payment confirmations
Transaction receipts
Account or service notices
Requests for additional information or documentation
Disclosures and notices
Electronic signature requests
Changes to agreements or policies
Customer service communications
Other records relating to your relationship with Prime Pockets
Electronic communications may be delivered through our website, secure electronic forms, electronic signature platforms, customer portals, email, or other electronic methods permitted by applicable law.

Electronic Signatures
You agree that your electronic signature has the same intent and effect as your handwritten signature to the extent permitted by applicable law.

Your electronic acceptance of an agreement, authorization, disclosure, or other record constitutes your agreement to the terms contained in that electronic record.