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Electronic Communications

Please read this Electronic Communications Disclosure ("E-Sign Disclosure") thoroughly. It contains important information about your legal rights.

This Electronic Communications Agreement (“Disclosure”) applies to all communications related to the Canopy Cards’ wallet and services available at www.canopycards.com (the “Website”) and mobile Web access. This Disclosure supplements and is to be construed in accordance with the terms contained in the wallet agreement (“Deposit wallet Agreement”) you received when you obtained the Canopy Cards wallet(s).

“We”, “us”, “our”, refer to Canopy Cards “You” and “your” mean the person or persons identified on the Canopy Cards wallet(s). “Communication” means any customer agreements or amendments thereto, disclosures, notices, responses to claims, transaction histories, privacy policies, and all other information in connection with the Canopy Cards wallet(s) or related products and services, including but not limited to information that we are required by law to provide you in writing. “We”, “us”, “our”, refer to Canopy Cards.
The Canopy Cards wallet(s) is intended for use only by the person(s) who are willing and able to receive notices and Communications exclusively through the Website, the Mobile Web Access, or via electronic mail (“E-mail”). If you do not agree to the legally required notices and communications described herein in electronic and not paper form, you may not open a Canopy Cards wallet(s). Similarly, if after providing your consent hereunder, you withdraw such consent, your Canopy Cards wallet(s) will be closed.
This e-Sign Disclosure covers all your accounts, products, and services with Canopy Cards that are accessible, either currently or in the future, through our website, or other electronic means.

Your Legal Rights
Certain laws and regulations require us to provide specific information to you in writing, which means you have a right to receive that information on paper. CANOPY CARDS may provide such information to you electronically if we first present this E-Sign Disclosure and obtain your consent to receive the information electronically. Your consent will also apply to any other person named on your wallet, product, or service, subject to applicable laws and regulations. Since certain of our accounts, products or services are provided online and use electronic means to deliver some of this information, you must first give prior consent to this e-Sign Disclosure to use these services. Although some situations may result in CANOPY CARDS sending your paper Communications, as a basic proposition, CANOPY CARDS needs to confirm your consent and willingness to receive Communications electronically, which CANOPY CARDS may otherwise be required to provide on paper. In Section 5, below, CANOPY CARDS provides a detailed description of the minimum hardware and software required to access the electronic information that will be provided. Section 3 will also explain how you may be able to obtain selected disclosures or other information on paper, even after you have consented to this E-Sign Disclosure, and the fees, if any, associated with the delivery of the information on paper.

Types of Electronic Communications You Will Receive
You understand and agree that CANOPY CARDS may provide to you in electronic format only, such as by posting the information on the website where you access your accounts, products, or services, through e-mail (if applicable and if you have provided a valid e-mail address), or through other electronic means, agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of our websites or our other electronic services, your relationship with CANOPY CARDS, and/or other programs, products or services that are or might be in the future made available to you (collectively, "Communications").
As applicable with the products and/or services offered by CANOPY CARDS such Communications may include but are not limited to:
a) This e-Sign Disclosure and any subsequent updates.
b) The Online Service Agreement, other service or user agreements for access to our websites or other electronic services, all updates to these agreements, and all disclosures, notices, and other communications regarding transactions you make through websites or our other electronic services.

  1. c) Periodic, annual, monthly, or other statements, disclosures, and notices relating to the maintenance or operation of a wallet, product or service including, but not limited to wallet information, wallet activity, wallet inactivity, payments made or due, or other statements, disclosures or notices that may be required.
    d) Any notice or disclosure regarding a wallet, product, or service fees.
    e) Any notice of the addition of new terms and conditions or amendment of existing terms and conditions applicable to accounts, products, or services you obtain from us.
    f) Our Privacy Notice and other privacy statements or notices (by posting such notices on our website).
  2. Setting Your Electronic Communications Preferences:
  3. After you consent to this e-Sign Disclosure, you will receive all categories of Communications in electronic format only. However, you may request Communications in paper format by emailing CANOPY CARDS at the following email address: support@canopycards.com. All requests for paper communications will have a fee, with a minimum fee that applies for delivery (for more details please refer to the schedule fee according to your wallet). The Communications that you receive electronically will be governed by this e-Sign Disclosure.
    Types of Communications You Will Receive in Paper: This e-Sign Disclosure does not apply to any Communications that Canopy Cards., determines, in our sole discretion, CANOPY CARDS is required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form. Such communications shall be mailed to the primary address CANOPY CARDS shows in your Customer Information File available in our records or otherwise delivered as required by law or the governing agreement.
  4. Hardware and Software Requirements
  5. a) For online and mobile access: You will need a computer or mobile device with internet access and browser, a compatible operating system, and/or access to canopycards.com. While you may be able to access and retain the Communications using other hardware and software, we recommend that you use the latest version of the supported browsers or mobile devices. Please refer to the browser and operating system requirements for a current list of browsers and operating systems compatible with CANOPY CARDS for the banking website. The latest operating systems and browsers we currently support are the following: OS - Windows 7 or 10 Mozilla Firefox Google Chrome Internet Explorer 11 Mac OS 10.X Safari Google Chrome IOs 13.X Safari Google Chrome Mozilla Firefox Android 4.0 or higher Google Chrome Mozilla Firefox Mobil Phone: I. iOS 13 o Version Posterior; o II. Android 4 o Version Posterior. b) Most Communications provided within our websites are provided either in HTML and/or PDF format. For Communications provided in PDF format, Adobe Reader 6.0 or later versions are required – A free copy of Adobe Reader may be obtained from the Adobe website at www.adobe.com.
  6. c) In certain circumstances, some communications may be provided by e-mail. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. At our option, we may also post the emailed Communications within our websites. In this situation, you agree that once we email the Communications to you and post them within our websites, that we have delivered the Communications to you in a form that you can retain.
  7. d) To print or download Communications you must have a printer connected to your device or enough hard drive or other storage space to store the Communications.

Effect of Withdrawal of Your Consent to this e-Sign Disclosure:
Withdrawal from receiving electronic disclosures will not be permissible. As such, your continued consent is needed to both open a wallet with CANOPY CARDS as well as to maintain the wallet and/or receive future services.

Consent Coverage, Certain Notices from You Are Not Covered:
Applicable law or contracts sometimes require you to give CANOPY CARDS “written" notices. You must still provide these notices to CANOPY CARDS on paper. Your consent here does not relate to those notices where applicable law or regulation explicitly requires notices or Communication exchanges on paper.

Obtaining Copies of Electronic Communications
You may print or make a copy of Communications by using the "Print" button (or otherwise using your printing functionality) or saving a copy – do this when you first review the Communications because, after submission, CANOPY CARDS does not necessarily keep them all in a place that you can access.
For certain products, accounts, or services, CANOPY CARDS will, upon request and subject to Section 3 of this e-Sign Disclosure, provide you with a paper copy of any Communications provided electronically by us to you pursuant to this e-Sign Disclosure, provided CANOPY CARDS receives your request within 12 months after the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by emailing CANOPY CARDS at the address notified in this e-Sign Disclosure. Be sure to specify your wallet, service, or product identification number, as applicable, the specific communication for which you are requesting a paper copy, and the address to which it should be mailed. CANOPY CARDS may charge fees for paper copies of the Communications, pursuant to that which is established in Section 3 of this e-Sign Disclosure.

Updating Your Contact Information
If your e-mail address or other contact information is changed, you must notify CANOPY CARDS of such changes by sending an e-mail to support@canopycards.com. If you fail to update or change an incorrect or invalid e-mail address or other contact information, you understand and agree that any communications shall nevertheless be deemed to have been provided to you, as if they were made available to you in electronic form on our websites, e-mailed to the e-mail address CANOPY CARDS has in the Customer Information File for you in CANOPY CARDS’ records or delivered through other electronic means.

Retain Copies for Your Records
We recommend that you print or download a copy of this e-Sign Disclosure, the applicable service or wallet agreement, and all other Communications to retain for your permanent records; if you have not already placed a copy of CANOPY CARDS’ Privacy Policy in your records, you can obtain another copy of our privacy notice by visiting the following link: https://www.canopycards.com/privacy-policy

Updated September 15, 2020.

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