ESIGN Consent to Use Electronic Records and Signatures

1. Your consent to use electronic records and signatures; Choosing to receive Communications electronically or in writing; Certain information must still be provided in writing.

In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form (“Electronic Records”). We may also use electronic signatures and obtain them from you as part of our transactions with you.

Additional examples of electronic records covered by your consent include:

  • This ESIGN Consent Disclosure and any amendments;
  • Our service or user agreements for online access to our Electronic Services, and all amendments to any of these agreements;
  • All of the Communications related to any Curacao Product, except for those excluded by the terms of this ESIGN Consent Disclosure;
  • All of the periodic account and activity statements, disclosures and notices we provide to you concerning your Curacao Products;
  • Financial product disclosures, agreements, statements, product exchange confirmations, service notices regarding accounts, products and services offered by or through Curacao ancillary services including Adir Global Protection;
  • Any notice or disclosure regarding fees or assessments of any kind, including late fees, overlimit fees, accrued interest charges and returned item fees;
  • Notices of amendments to any of your agreements with us; and
  • Other disclosures and notices that we are legally required to provide to you, or choose to provide to you in our discretion.

Electronic Records may be delivered to you in a variety of ways. These various delivery methods are described in our service and user agreements for online access and in other agreements we may have with you from time to time. In some cases, you will be able to choose whether to receive certain Communications electronically, or on paper, or both.  We will provide you with instructions on how to make those choices when they are available.

We may always, in our sole discretion, provide you with any Communication in writing, even if you have chosen to receive it electronically.


Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we specifically tell you in another Communication how you may deliver that notice to us electronically.

There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those Communications to you in writing. However, if the law changes in the future and permits any of those Communications to be delivered as Electronic Records, this consent will automatically cover those Communications as well.

2. Your option to receive paper copies.

If we provide Electronic Records to you, and you want a paper copy, you may contact the appropriate customer service unit and request a paper version. You will find the appropriate contact information in the account statement or agreement for the Curacao Product related to the Electronic Record. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law. Please refer to the applicable agreement for any fee that may apply for paper copies.

3. Your consent covers all Curacao Products; Privacy Policies.

Your consent covers all Communications relating to any Curacao Product. Your consent remains in effect until you give us notice that you are withdrawing it.

From time to time, you may seek to obtain a new Curacao Product from us. When you do, we may remind you that you have already given us your consent to use Electronic Records and signatures. If you decide not to use Electronic Records and signatures in connection with the new product or service, your decision does not mean you have withdrawn this consent for any other Curacao Product or service.

4. You may withdraw your consent at any time; Consequences of withdrawing consent; How to give notice of withdrawal.

You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent may result in the termination of:

  • your access to our Electronic Services, including online account information, and
  • your ability to use certain Curacao Products.

Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.  If you are receiving online account statements, the termination will cause paper statements to be mailed to you via the U.S. Postal Service or other courier.  Depending on the specific Curacao Product, if you withdraw consent we may charge higher or additional fees for that product or for services related to it.  Please refer to the applicable agreement for any fee that may apply.

To withdraw your consent you must:

  • Contact Customer Service at 1-877-287-2226.
  • Mail notification to:  1605 W. Olympic Blvd., Suite 700 Attn Customer Service Dept., Los Angeles, CA 90015.
  • Email notification to: [email protected]

5. You must keep your email, electronic address and mobile telephone number current with us.

You must promptly notify us of any change in your email, mobile telephone number, or other electronic address. You may change the email address or mobile telephone number on record for you by going to the Curacao Finance page (Settings, My Profile menu options) within your online service and updating your contact information. There may be other, special Curacao Products for which we provide separate instructions to update your email, mobile telephone number or other electronic address.

6. Hardware and software you will need.

To receive Electronic Records, you must have access to:

  • a Current Version of an Internet browser we support,
  • a connection to the Internet,
  • a Current Version of a program that accurately reads and displays PDF files (such as free versions of Adobe Acrobat Reader or Foxit Reader), and
  • a computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form. 

You must also have an active email address and/or functioning mobile phone number.  In some cases, you may also need a specific brand or type of device that can support a particular software application, including an application intended for particular mobile or handheld devices. 

By “Current Version,” we mean a version of the software that is currently being supported by its publisher. The following link includes more information on the browsers we currently support and related system requirements: Technical Requirements . (Note: If you click on the Technical Requirements link, be sure to come back to this page to finish reading this ESIGN Consent.) 

You should check the Technical Requirements page occasionally for updates on supported software. From time to time, we may offer services or features that require that your Internet browser be configured in a particular way, such as permitting the use of JavaScript or cookies. If we detect that your Internet browser is not properly configured, we will provide you with a notice on how to update your configuration.

We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with online account management.

7. Changes to hardware or software requirements.

If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your Electronic Records, we will give you notice of the revised hardware or software requirements. Continuing to use Electronic Services after receiving notice of the change is reaffirmation of your consent.

8. Your enrollment in Electronic Services using our equipment.

If you enroll for an Electronic Service through one of our customer service representatives or using our equipment, your enrollment may not be complete until you take additional action. We will advise you, at the time of your enrollment, of any additional action you must take. If you take the required action, it is an affirmation of your consent to use electronic records and signatures under the terms of this ESIGN Consent.

9. Communications in languages other than English.

Please note, we may be unable to fulfill and service Curacao Products in a language other than English. Future Communications may be in English only. If you are not fluent in English, you may contact Curacao Customer Service to request Future Communications in Spanish or taking other steps to ensure you understand the transaction before entering into it.