E-SIGN Consent

The federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. §§ 7001–7006) and parallel state Uniform Electronic Transactions Act (UETA) statutes allow businesses and consumers to use electronic signatures and records in place of paper, provided the consumer receives certain disclosures and affirmatively consents.

When you submit an online application, sign a loan agreement in our portal, or check a box indicating your agreement to receive records electronically, you are giving that consent with respect to your relationship with ICG Funding and any affiliate of Infinite Capital Group that services your account.

Your consent applies to all records we provide in connection with your application, funding, and servicing relationship, including but not limited to:

• Online application submissions, supporting documentation uploads, and related acknowledgments.
• Loan agreements, factoring agreements, purchase and sale agreements, personal guaranties, and any amendments.
• Federal and state disclosures required at application, approval, or funding (including any commercial-financing disclosure required by state law).
• Truth in Lending, privacy, adverse-action, and similar consumer-facing notices where applicable.
• Account statements, payment receipts, payoff letters, change-in-terms notices, and servicing correspondence.
• Tax documents we are permitted to deliver electronically.
• Any other notice or document relating to your application or account.

To receive and retain records electronically, you need:

• A current version of a modern web browser (Chrome, Safari, Edge, or Firefox released within the past 24 months) with JavaScript and cookies enabled.
• A device with internet access and enough storage to save PDF files locally, and a working printer if you wish to print records.
• Software capable of viewing and printing PDF files (for example, Adobe Acrobat Reader or the built-in PDF viewer in your browser or operating system).
• A valid email address that you check regularly and where you can receive and retain messages from hello@icg-funding.com and related ICG Funding domains.
• If, and only if, you have separately opted in to SMS delivery of short-form transactional notices (for example, authentication codes or funding confirmations), a mobile number and carrier that can receive messages from short-code or 10DLC senders. ICG Funding does not send marketing SMS. Message and data rates may apply; reply STOP to opt out at any time.

If our system requirements change in a way that creates a material risk you will not be able to receive records electronically, we will notify you and give you the option to withdraw your consent without charge.

You can request a paper copy of any record we have provided to you electronically for as long as we are required to retain that record. To request a paper copy:

• Email hello@icg-funding.com with the subject “Paper copy request” and a description of the record you need.
• Call (646) 813-4633 Monday–Friday 9 AM – 6 PM EST.
• Mail: Infinite Capital Group, Attn: Servicing, 1315 Ave J, Brooklyn, NY 11230.

We do not charge for providing a paper copy of a record we are required to give you.

You may withdraw your consent to receive records electronically at any time. Withdrawal applies prospectively and does not affect the validity or enforceability of electronic records or signatures delivered before the withdrawal takes effect.

To withdraw consent:

• Email hello@icg-funding.com with the subject “E-SIGN withdrawal”.
• Call (646) 813-4633.
• Mail: Infinite Capital Group, Attn: Servicing, 1315 Ave J, Brooklyn, NY 11230.

After we process a withdrawal, we will deliver required disclosures on paper at the most recent mailing address we have on file. Withdrawing consent may limit the products and services available to you and may slow the application or servicing process.

It is your responsibility to keep your email address, phone number, and mailing address current with us so we can deliver records to you reliably. To update your contact information, sign in to your account portal or email hello@icg-funding.com.

We retain electronic records for the longer of (i) the period required by applicable federal and state record-keeping laws (which for loan files is often seven years or longer after an account is closed) and (ii) any additional period needed to resolve disputes, enforce our agreements, or comply with our audit and regulatory obligations. Records are stored in encrypted systems with access restricted on a need-to-know basis. See our Privacy Policy for the full retention framework.

You agree that your electronic signature, whether applied by typing your name, clicking to accept, or drawing a signature, has the same legal effect as a handwritten signature and that records delivered electronically satisfy any legal requirement that such records be in writing.

Nothing in this consent waives any right you have under applicable consumer-protection law, and some records (for example, court orders and certain notices of cancellation) cannot be delivered electronically under federal or state law; those records will be delivered on paper as required.

Questions about this consent?

• Email: hello@icg-funding.com
• Phone: (646) 813-4633 (Monday–Friday, 9 AM – 6 PM EST)
• Mail: Infinite Capital Group, Attn: Servicing, 1315 Ave J, Brooklyn, NY 11230