Consent to Electronic Communications

EFFECTIVE DATE: Mar 28th, 2024

By clicking the “Create account” or "Login with existing account" button on our website when a prospective user registers for the service and begins their application for financing, each user (“User”) agrees to receive Communications from Fortify in electronic form, and pursuant to the conditions outlined in this disclosure. “Communications” include account notifications, disclosures relating to loans, job offers, exam preparation services, notices, documents, policies, statements, and all other information and communications originating from Fortify. Users may choose not to consent by withdrawing their consent, but they may not be able to receive all notifications relevant to their loan application.  If a User consents, Fortify will send Communications electronically where possible. The word “User” means each person receiving these disclosures. The word "Fortify" means Fortify Education, Inc.

REQUIREMENTS

To receive Communications electronically and participate in the Fortify services, User will need:

• A functioning personal computer, laptop, smart phone, tablet, or other electronic device with an Internet connection (“Device”). The Device must run one of the following operating systems:  Windows 7 (NT 6.1) or higher; Apple macOS X 10.13 (High Sierra) or higher; iOS 13.5.1 or higher; Android 8.0 (Oreo) or higher; or Linux Ubuntu 16.04 LTS or higher.

• An e-mail account with at least 500 MB of available (unused) storage space and the ability to display HTML content, to which Fortify will send communications.

• A current web browser that supports 128-bit encryption (e.g. Microsoft Edge 44.19041, Microsoft Edge 83.0.478.54, Mozilla Firefox 76.0 and above, Google Chrome 90.0.4430 and above, or Safari 13 and above) with cookies and JavaScript enabled.

• Capability to view SMS messages. In order to access, view, and retain SMS Notifications that Fortify makes available to a User, the User must have: (i) a SMS-capable mobile phone, (ii) an active mobile phone account with a communication service provider; and (iii) sufficient storage capacity on User's mobile phone.

• User is responsible for messaging Costs. FORTIFY MAY USE ANY MEANS OF COMMUNICATION DESCRIBED IN THIS SECTION TO CONTACT USER, EVEN IF USER WILL INCUR COSTS TO RECEIVE SUCH PHONE MESSAGES, TEXT MESSAGES, E-MAILS OR OTHER MEANS. User is responsible for any and all charges, including but not limited to, fees associated with text messaging, imposed by User's communications service provider. Please consult User's mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on User's phone bill. Message frequency depends on account status or settings. Fortify may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to User.

• If User does not consent to receiving Communications electronically, User may not be able to fully utilize Fortify's advertised services. User may withdraw User's consent to receiving Communications electronically by emailing Fortify at help@fortifyedu.com. If User withdraws such consent, to the extent allowed by applicable law, Fortify may provide User with notice and terminate User's relationship with Fortify.

• In order to retain and/or print electronic Communications, User's Device will need to be able to save and store Communications and/or User will need a working printer connected to their device.  If the hardware and software required to receive Communications ever changes, Fortify will provide User notice of any change as required by law.

• User agrees to notify Fortify immediately of any change in the e-mail address User provided to Fortify by emailing Fortify at help@fortifyedu.com.

PERMISSIONS

User expressly gives permission to Fortify to provide electronic and other Communications to User according to the following terms:

• Registration & Accounts. User agrees that Fortify may contact User about any matter relating to User's registration with Fortify, User's submission of an inquiry for any Fortify product or service, User's active loan agreements with Fortify, and for any purpose arising out of or in connection with any account User may obtain from Fortify. Fortify may contact User for any purpose related to any account User has, such as reminders or suspicious activity.

• Agents. User agrees that Fortify may use agents or representatives to contact User on our behalf.

• Phone, SMS, Autodialers. User agrees that Fortify may contact User through any means, including emails, telephone, SMS messages (including text messages), calls using pre-recorded messages or artificial voice, and calls and messages delivered using automatic telephone dialing systems (auto-dialer) or an automatic texting system. Automated messages may be played when the telephone is answered, whether by User or someone else. Fortify and its agent or representative may leave messages on User's answering machine, voice mail, or send messages via text.

• Recorded lines. User agrees that Fortify and our agents, representatives, affiliates or anyone calling on our behalf may contact User on a recorded line.

• Accurate numbers. User certifies that telephone numbers that User has provided to Fortify are User's contact numbers, and that User is permitted to receive calls at each of the telephone numbers User has provided to Fortify. User agrees to promptly alert Fortify or opt-out of communications whenever User stops using a particular telephone number. Fortify may contact User using any information User has provided to Fortify or any of its affiliates, at any telephone number, or any physical, email, or electronic address User provides or at which User may be reached.

• SMS Notifications. All SMS Notifications in electronic format from Fortify to the User will be considered to be in writing.

UNSUBSCRIBING

To unsubscribe from any marketing emails sent by Fortify, simply click the unsubscribe link in the email footer, where you'll be able to log into your Fortify account and select the email notifications you'd like to receive. You may still receive transactional email messages critical to your account or an active loan agreement that you may have with Fortify.

To unsubscribe from any SMS messages sent by Fortify, simply reply with STOP.

CONTACT US

If you have any questions about this Consent to Electronic Communications, or otherwise need to contact us for any reason, you can reach us at help@fortifyedu.com.