Electronic Consent (E-Consent)

Last Updated: February 10, 2026

This Electronic Consent ("E-Consent") describes how you may receive information, disclosures, notices, agreements, and communications in electronic form when you access or use DCredit – Cash Advance & Loans (the "App"), which is operated by DISF Credit LLC ("we," "us," or "our").

By accessing, using, or submitting information through the App, you consent to receive electronic records and communications as described in this E-Consent. If you do not agree to this E-Consent, you must not use the App.

1) Scope of Electronic Communications

This E-Consent applies to all communications, disclosures, notices, records, agreements, authorizations, and statements that we provide to you in connection with your use of the App, including but not limited to:

These communications may be provided electronically through the App, via email, SMS/text message, or through other electronic means.

2) Legal Effect of Electronic Records

You understand and agree that all electronic communications provided to you have the same legal effect as written or printed documents. Your electronic consent, acceptance, or signature is legally binding to the same extent as a handwritten signature.

This E-Consent is provided in accordance with the Electronic Signatures in Global and National Commerce Act ("E-SIGN Act") and applicable state laws, including the Uniform Electronic Transactions Act ("UETA").

3) Methods of Electronic Delivery

Electronic communications may be delivered to you by one or more of the following methods:

  • Display within the App
  • Email sent to the address you provide
  • SMS or text messages sent to the phone number you provide
  • Links directing you to online documents

You agree that communications are considered received when they are made available to you electronically, regardless of whether you access or read them.

4) Hardware and Software Requirements

To access and retain electronic communications, you must have:

  • A device capable of accessing the internet (such as a smartphone, tablet, or computer)
  • A supported web browser or mobile operating system
  • A valid email address and/or mobile phone number
  • Sufficient storage or printing capability to retain records for your reference

You are responsible for maintaining the necessary hardware and software to access electronic records.

5) Access to and Retention of Records

You may access electronic records through the App or by contacting us for assistance. We recommend that you download, save, or print copies of important disclosures and agreements for your records.

We may, but are not obligated to, store copies of past disclosures for later access. Availability of records may be limited by applicable law or retention policies.

6) Consent to Electronic Signatures

By using the App, you consent to use electronic signatures, checkboxes, buttons, or similar electronic actions to indicate acceptance of agreements and disclosures. Such actions constitute your legal signature and agreement.

You acknowledge that clicking "I Agree," "Submit," "Continue," or similar actions indicates your intent to be legally bound.

7) Updating Contact Information

You are responsible for keeping your contact information accurate and up to date, including your email address and phone number. Failure to maintain current contact information may result in missed or undelivered communications.

You may update your contact information through the App or by contacting customer support.

8) Withdrawing Consent

You may withdraw your consent to receive electronic communications at any time by contacting us using the information provided below. However, withdrawing consent may:

  • Limit or prevent your ability to use the App
  • Delay or stop processing of requests
  • Require alternative methods of communication that may not be available

Withdrawal of consent does not apply retroactively to communications already provided electronically.

9) Paper Copies

You may request a paper copy of certain electronic records, where permitted by law, by contacting us. We may charge a reasonable fee for providing paper copies, as allowed by applicable regulations.

10) Third-Party Communications

DCredit – Cash Advance & Loans is not a direct lender. When you are connected with third-party lenders or financial partners, those parties may provide disclosures and agreements electronically under their own electronic consent policies. You are responsible for reviewing and agreeing to any such third-party terms.

11) Acknowledgment and Acceptance

By accessing or using the App, submitting information, or indicating acceptance electronically, you acknowledge that you:

  • Have read and understand this Electronic Consent
  • Agree to receive disclosures and communications electronically
  • Understand your rights regarding electronic records and signatures
  • Consent to the use of electronic signatures and records

If you do not consent, you must discontinue use of the App.

12) Changes to This E-Consent

We may update this E-Consent from time to time to reflect changes in law or operational practices. Updates will be indicated by a revised "Last Updated" date. Continued use of the App constitutes acceptance of the updated E-Consent.

13) Contact Information

For questions regarding this Electronic Consent, or to request paper copies or withdraw consent, please contact:

DISF Credit LLC
411 Union St
Marshalltown, IA 50158
Email: support@disfcredit.com
Phone: (970) 423-9218