Electronic Communications

+ Electronic Communications Agreement

LAST UPDATED: SEPTEMBER, 2020

Please read this information carefully and print or download a copy for your files.

This Electronic Communications Agreement (“ECA”) applies to all communications related to the transaction account (“BrightFi Account”) and accompanying services available through www.mybrightfi.com (the “Website”) and the BrightFi mobile application (“Mobile App”). This ECA supplements and is to be construed in accordance with the terms contained in the BrightFi Account Agreement (“Account Agreement”), the BrightFi User Agreement (“User Agreement”), and Privacy Policy that you received when you opened your BrightFi Account.

“We”, “us”,“our”, refers to Karrikin, Inc. d/b/a Karrikin Technologies and its affiliates (“Karrikin”), the provider of the BrightFi Account. “Communication(s)” means any customer agreements, including but not limited to this ECA, the Account Agreement, User Agreement and Privacy Policy or amendments thereto, disclosures, notices, responses to claims, transaction histories, and all other information communicated to you in connection with the BrightFi Account(s) or related products and services, including but not limited to information that we are required by law to provide you “in writing.”

The BrightFi Account is intended for use only by persons who are willing and able to receive notices and communications exclusively through the Website, the Mobile App or via electronic means (i.e., E-mail, Chat, SMS). Subject to applicable law, if you do not agree receive all notices,including but not limited to notices that are required by law, in electronic and not paper form, you may not open a BrightFi Account. Similarly, if after providing your consent hereunder, you withdraw such consent, your BrightFi Account will be closed.

+ Scope

When you use a product or service to which this ECA applies, you agree that we may provide you with any Communication in electronic format, to the extent allowed by law,and that we may discontinue sending paper Communications to you. Your consent to receive electronic communications and transactions includes, but is not limited to:·

(i) All legal and regulatory disclosures and communications associated with your BrightFi Account;·
(ii) Agreements related to your BrightFi Account (including the BrightFi Account Agreement, User Agreement, or any other applicable agreement), and all amendments thereto;·
(iii) Privacy policies and notices;·
(iv) Responses to claims filed in connection with your BrightFi Account;·
(v) Notices of resolution of any claimed error in connection with an electronic transfer;·
(vi) Notices regarding insufficient funds or negative balances; and·
(vii) All other communications between us and you concerning your BrightFi Account and any related transactions, products or services.

+ Methods of Electronic Communication

Communications that we provide to you in electronic form will be provided either (1) via email,if you elect to receive communications via e-mail from us (2) SMS where available or (3) by notifications delivered through the Mobile App.

+ How to Withdraw Consent

You may exercise your right to withdraw your consent to receive Communications in electronic form by writing us at 4250 N Drinkwater Blvd, Scottsdale AZ 85251-3981 or by e-mailing us at service@mybrightfi.com. If you withdraw your consent, we will close your BrightFi Account and mail you a check in the amount of funds remaining in your BrightFi Account at the time of closure, in accordance with the terms of your Account Agreement.Withdrawal of your consent shall not affect the legal validity and enforceability of prior Communications delivered in electronic form.

+ How to Update Your Records

It is your responsibility to provide us with a true, accurate and complete email address, cellular phone number, other contact information related to this ECA and your BrightFi Account, and to maintain the information and keep it current. You must promptly update your profile if there are any changes to this information. You can update information (such as your email address) by emailing service@mybrightfi.com, or by contacting us at +1 (888) 627-5407. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address or mobile number you have provided to us.

+ Hardware and Software Requirements

In order to access, view, and retain electronic Communications that we make available to you, you must have:

For the mobile application:
1. An Apple iPhone running a current version of iOS
2. Access to a cellular carrier
3. Native browser that supports the iOS operating system that is on most recent version

On desktop computers:
1. Windows (7 or higher) or Mac OS X
2. Microsoft Edge, Internet Explorer 11, Safari 9 (or higher), or the latest available version of Mozilla, Firefox or Google Chrome

+ Requesting Paper Copies

‍We will not send you a paper copy of any Communication, however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy, contact us at +1(888) 627-5407 during normal business hours. We may charge you a reasonable service charge for the delivery of paper copies of any Communication that would otherwise be provided to you electronically pursuant to this authorization.

+ Communications in Writing

All Communications in either electronic or paper format from us to you will be considered “in writing”. You should print or download for your records a copy of this ECA and any other Communication that is important to you.

+ Federal Law

You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to federal Electronic Signatures in Global and National Commerce Act (the “Act”), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

+ Termination or Changes

We reserve the right, at our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

+ Consent

By indicating“I agree”, you are providing consent to Karrikin to use this agreement as your electronic signature and you give your affirmative consent to provide electronic Communications to you as described herein. You further represent and warrant that your computer and mobile phone satisfy the hardware and software requirements specified above. If you elect to receive communications from us via e-mail, you further represent and warrant that that you have provided us with a current e-mail address at which we may send electronic Communications to you.