Terms and Conditions

Electronic Records Usage Statement

You agree (1) to receive all loan agreements, disclosures, notices, and other information (collectively, the “Electronic Records”) electronically and (2) to utilize “Electronic Signatures” when entering into any loan agreement with ForwardRefi or its assignees.

You may obtain paper copies of any Electronic Records maintained by ForwardRefi by printing or downloading such Electronic Records directly to your device, or by email request with specific details of the Electronic Records you want to: info@forwardrefi.com. Please include your name, the home address we have on file for you, and your mailing address if different. Paper copies of the requested Electronic Records will be provided at no charge. To obtain paper copies from ForwardRefi’s assignees, please contact those assignees directly.

Your consent covers all Electronic Records related to this loan request and transaction and all Electronic Records related to loan servicing, including but not limited to privacy and collection notices. You may withdraw your consent to receive Electronic Records or update your contact information by calling or emailing your loan officer, or by calling emailing ForwardRefi at info@forwardrefi.com. If you withdraw your consent to receive Electronic Records, ForwardRefi will send paper copies of all agreements, disclosures, etc. to you, which may impact your transaction speed.

Hardware and Software Requirements

Electronic Records may be accessed using the most recent versions of most web browsers. If you experience difficulty obtaining your Electronic Records online, please try a different browser, or contact us for assistance. To retain your Electronic Records, you must have computer hardware and software capable of saving Electronic Records viewed by your web browser. Additionally, to download, save, and view a copy of your loan agreement in PDF format, you will need a PDF file format appropriate ible software. You may also print Electronic Records if you have a printer and appropriate computer hardware and software for printing pages viewed by your web browser.

Additional Terms

By prequalifying or applying for a loan with ForwardRefi, you:

Understand that you are applying for credit,
Certify that all information contained within it is true, complete, and correct.
Understand that Bayside Credit d/b/a ForwardRefi.com and ForwardRefi (“ForwardRefi”) will underwrite your pre-qualification application.
Acknowledge that ForwardRefi may require verification of certain application information, at their sole discretion.
By submitting a Pre-Qualification or Application containing your electronic consent through the ForwardRefi Website, and separately for each such request you submit, you are indicating that you desire to be contacted by ForwardRefi, and you are providing express written consent that ForwardRefi may deliver calls or text messages to you, including for marketing purposes.
Consent to ForwardRefi agents contacting you by any method, including automated dialing equipment or prerecorded messages, at each respective phone number by calling, texting, or other electronic communication,
Authorize ForwardRefi to make whatever credit inquiries it deems necessary,
Authorize and instruct any person, including but not limited to, all local, state or federal government agencies or consumer reporting agencies, to complete and furnish ForwardRefi or its assignees with any information it may have and agree that such information, along with this application, shall remain ForwardRefi’s property whether or not credit is extended,
Authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details to allow verification of your identity and to compare information you have provided to ForwardRefi with your wireless operator account profile information, and
Acknowledge that you can receive messages and documents via the email address provided in your application and can access and retain those documents, and that you can access information provided electronically at our website and other websites related to your application. You agree to receive documents electronically and to store or print those documents for your records, and that the actions described here or on the documents will serve as your electronic signature on any such documents. You consent to receive electronic communications from us under the Electronic Signatures in Global and National Commerce Act.

Married applicants may apply for a separate account.

SMS / Text Messaging Terms

Bayside Credit d/b/a ForwardRefi.com and ForwardRefi (“ForwardRefi”) offers customers the option to engage in conversations with loan officers to discuss auto loan refinancing options. By entering your number, you agree to receive mobile messages at the number provided. Message frequency varies. Message and data rates may apply. Reply STOP to cancel. Carriers are not liable for any delays or undelivered messages.

The Phone Numbers obtained as part of the SMS consent process may be shared with third parties for marketing purposes.

Types of SMS Communications

If you have consented to receive text messages from ForwardRefi, you may receive text messages related to, but not limited to: Customer care, appointment reminders, application notifications, and loan status.

Message Frequency

Our SMS message frequency may vary.

Potential Fees for SMS Messaging

Many carriers charge a fee for each message sent or received. This can vary depending on the carrier’s pricing structure and whether the message is sent domestically or internationally. Messaging and data rates may apply.

Information We Disclose

As permitted by law: We may disclose Information as permitted or required by law. For example, Information may be disclosed in connection with a subpoena or similar legal process or to credit bureaus. In addition, we may disclose Information to companies that perform support or other services for us. Except as set out above, we do not, nor will we ever, sell, share, trade, or rent names or other information about our customers to third parties for marketing purposes.

Opt-In Method

Customer will Opt-In for SMS messaging from ForwardRefi through intake forms on the website.

Opt-out

Customer will be able to Opt-out of SMS messaging from ForwardRefi by replying/texting STOP at any time to any received SMS message, or you can choose not to check the SMS consent box on our forms.

For Assistance

Visit our Privacy Policy page and Terms and Conditions page.

By providing ForwardRefi with your mobile number, and checking the opt in consent box, you agree to receive mobile messages to that number.

Federal Notices

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

If applicable to your credit transaction, to help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, you will be asked for your name, address, date of birth, and other information to identify you. You may also be asked to see your driver’s license or other identifying documents.

State Notices

California Residents: An applicant, if married, may apply for a separate account.

Maine and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. For a lease, you must also have the liability insurance as described in the lease. You may purchase required insurance through any insurance agent or broker and from any insurance company that is reasonably acceptable to us. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular insurance agent, broker or insurer will not affect our credit decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements.

New Hampshire Residents: If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor’s existing refinance programs. You would be entitled to receive the estimate before you enter into a balloon payment contract. A balloon contract is an installment sales contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.

New York Residents: In connection with your application for credit, a consumer report may be obtained from a consumer reporting agency (credit bureau). If credit is extended, the party or parties extending credit or holding such credit may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask, you will be told whether a consumer report was requested and, if so, the name and address of any consumer reporting agency (credit bureau) from which such credit report was obtained.

Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Rhode Island Residents: Consumer reports may be requested in connection with this application. Buyer has the right of free choice in selecting an insurer to provide insurance required in connection with this transaction subject to our reasonable approval in accordance with applicable law.

Vermont Residents: You authorize us and any financial institution with which this credit application is shared, and each of their respective employees or agents, to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that they may deem necessary or appropriate in evaluating your credit application. If your credit application is approved and credit is granted, you also authorize the parties granting credit or holding your account, and their respective employees and agents, to obtain additional credit reports and other information about you in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.

Married Wisconsin Residents: No provision of any marital property agreement, any unilateral statement under Wis. Stat § 766.59 or any court decree under § 766.70 applied to marital property adversely affects our interest unless you furnish a copy of the agreement, statement, or court decree or we have actual knowledge of such adverse provision before credit is granted. If you are making this credit application individually and not jointly with your spouse, complete Section A about yourself and Section B about your non-applicant spouse. Your non-applicant spouse should not sign the credit application if you are applying for individual credit.

USA Patriot Act Disclosure

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who applies for a loan. When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

What this means to you: When you apply for a loan, we will ask for your name, date of birth, and other information that will allow our assignees to identify you. We may ask you to provide a copy of your driver’s license and other identifying documents. By submitting this application, you authorize the assignee(s) to obtain information necessary to verify your identity. This may include information obtained from a consumer reporting agency, public data bases, or other sources. If the assignee(s) is/are unable to verify information necessary to confirm your identity, a loan may not be funded. The assignee(s) reserves the right to cancel your loan if it determines at a later date that we/they do not know your identity.

In accordance with Section 326 of the USA PATRIOT Act, signed October 26, 2001, Bayside Credit d/b/a ForwardRefi.com and ForwardRefi (ForwardRefi) is required to obtain a copy of the documents used in identifying customer(s) applying for a loan.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

For questions or concerns, please contact us at info@forwardrefi.com