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E-Sign Disclosure and Consent Notice

This E-Sign Disclosure and Consent Notice (this “Notice”) describes how Mezu (NA), Inc. dba Alviere and Community Federal Savings Bank (collectively, “Alviere”, “we,” “us,” and “our”) delivers Communications to you electronically. This Notice applies to all Communications relating to all Services offered to you by Community Federal Savings Bank and provided by Alviere as agent and service provider. We may amend this notice at any time by posting a revised version and notifying you of the update as required by Applicable Law.

Your Consent

By accepting our terms and conditions and/or by using our Services, you consent to use electronic signatures and to electronically receive all records, notices, statements, communications, and other items relating to (a) any Terms and Conditions, including but not limited to, the Financial Services Agreement, the Privacy Notice, and this E-Sign Disclosure and Consent Notice agreed to by you, (b) any period statements associated with your Account, (c) any disclosures or receipts required by Applicable Law or (c) in connection with your relationship with us (collectively, “Communications”.  Further examples of Communications are set forth in the next section titled “Electronic Delivery of Communications”) that we may otherwise be required to send or provide you in paper form (e.g., by mail). You also agree that we do not need to provide you with additional paper (non-electronic) copies of the disclosures, agreements, change notices, terms and conditions and any other documents, unless specifically requested. By accepting and agreeing to this Consent electronically, you represent that: (1) you have read and understand this consent to use electronic signatures and to receive Communications electronically; (2) you satisfy the minimum hardware and software requirements specified below; and (3) your consent will remain in effect until you withdraw your consent as specified below. Your consent to receive notices and communications in electronic form does not mean we will only communicate with you electronically. We reserve the right to use all lawful methods of communication and provide legal notices and other communications and documents in paper form from time to time when legally required to do so or when we in our sole discretion elect to do so.

Electronic Delivery of Communications

You agree and consent to receive electronic Communications that we provide in connection with your Account and your use of our services. 

Such Communications may include, but may not be limited to:

  • Terms and Conditions, such as agreements and policies that you agree to when requesting your account and periodically. Examples of such agreements and policies include, but are not limited to, the Financial Services Agreement, the Privacy Notice, this E-Sign Disclosure and Consent Notice, including any updates to these agreements or policies; 
  • Periodic statements associated with your account as required by Applicable Law;
  • Transaction disclosures and receipts as required by Applicable Law;
  • Periodic disclosures and notices as required by Applicable Law; and
  • Any other information we may need to provide you in relation to your Account or Transactions.

We will provide these Communications to you by emailing them to you at the email address you have provided us.

Hardware and software requirements

In order to access and retain electronic Communications, you may need one or a combination of the following computer or mobile device hardware and software components:

  • A computer or smart mobile device with Internet or Data Services connection;
  • A current web browser that includes 128-bit encryption with cookies enabled;
  • Adobe Acrobat Reader version 8.0 and above to open documents in .pdf format;
  • Microsoft Excel or a similar program to open files in csv, xlsx or similar format;
  • A valid and accessible email address that you have provided us or will provide us; and
  • Sufficient storage space to save past Communications or an installed printer to print them.

Alviere reserves the right to change the requirements set forth in this Notice at any time. We will notify you if the changes to the hardware or software needed to receive electronic Communications from us create a material risk in your ability to access subsequent records subject to your consent and you have the right to withdraw your consent as indicated in the “How to withdraw your consent section below.

By giving your consent you are confirming that you have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for your records. You may print or save a copy of these Communications for your records as they may not be accessible online at a later date.

Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add us to your email address book so that you will be able to properly receive the Communications we send to you via e-mail.

How to withdraw your consent

You may withdraw your consent to receive Communications electronically by sending us written notice titled “Withdrawing E-Sign Consent” at 101 Avenue of the Americas, 9th Floor, New York, NY 10013, or by contacting our support team at support@alviere.com.  

If you fail to provide consent or if you withdraw your consent to receive Communications electronically, we reserve the right to either: (i) deny your request of an Account; or (ii) close your Account and return your remaining Account balance as set forth in the Bank Services Agreement and / or the Cardholder Agreement (in which case you will no longer be able to use your Account and / or Card, except as expressly provided in the Bank Services Agreement and the Cardholder Agreement respectively). Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal. Please note that your withdrawal of consent to receive Communications electronically will not apply to Communications electronically provided by us to you before the withdrawal of your consent becomes effective.

Requesting paper copies of electronic Communications

If, after you consent to receive Communications electronically, you would like a paper copy of a certain Communication we previously sent you, you may request a copy within 180 days of the date we provided the Communication to you by contacting us as described above. If available, we will send your paper copy to you by U.S. mail.

In order for us to send you paper copies, you must have your current street address linked to your Account. If you request paper copies, you understand and agree that we reserve the right to charge you fee for each paper copy communication.

Certain Communications, such as a Transaction disclosure that may have been provided to you through a mobile application on a smart mobile device or a web portal prior to a Transaction, may not be available in paper form. 

Updating your contact information

It is your responsibility to keep your hardware, software and/or primary email address and up to date in order to access Communications that we send you electronically. You understand and agree that if Alviere sends you electronic communications, but you do not receive them because your information on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Alviere will be deemed to have provided the Communication to you and will assume no liability for non-receipt of Communications.

If your email address becomes invalid such that electronic Communications sent to you by us are returned, we may may deem your Account to be inactive, and you may not be able to initiate a Transaction using your Account until we receive a valid, working primary email address from you.

You may update your email address to receive Communications electronically by sending us written notice titled “Updating email address” at 101 Avenue of the Americas, 9th Floor, New York, NY 10013, or by contacting our support team at support@alviere.com.

Definitions

Account” means the account provided to you in accordance with the Bank Services Agreement and/or the Cardholder Agreement provided to you together with this Notice.

Applicable Law” means any Federal, State, Municipal or other local law, rule or regulation that applies to your Account or Transactions.

Communications” means electronic communications set to you by us in accordance with Applicable Law and any Terms and Conditions, including any agreements, between you and us.

Services” means any services provided to you by Community Federal Savings Bank via Alviere, its agent, including without limitation, services relating to the Account and any Transactions, all as described in the Bank Services Agreement and / or the Cardholder Agreement.

Transaction” means any financial transaction initiated by you through your Account.

This Policy was last modified on: January 25, 2021

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