This Consumer Disclosure & Communication Agreement ("Agreement") explains how Take Off Credit Inc. ("Take Off Credit," "we," "our," or "us") provides important information to you electronically and how we communicate with you as part of your use of our services.

By creating an account, enrolling in a Booster Plan, or otherwise using our services, you acknowledge that you have read, understood, and agree to this Agreement.

1. Scope of Communications

This Agreement applies to all communications, disclosures, agreements, notices, statements, and other documents (collectively, "Communications") that Take Off Credit provides in connection with your use of our website, mobile application, and services (collectively, the "Services").

These Communications include, but are not limited to:

• Terms and Conditions, Privacy Policy, and updates
• Account statements, payment summaries, and receipts
• Credit reporting updates and notices
• Legal and regulatory disclosures
• Affiliate program information
• Customer service communications

2. Method of Delivery

We will deliver all Communications to you electronically by:

• Email (to the address you provide during account registration or updates);
• In-app messages or notifications; or
• Through our website or secure account dashboard.

You agree that all electronic Communications from Take Off Credit satisfy any legal requirement that such Communications be in writing.

3. Maintaining Accurate Contact Information

You are responsible for keeping your contact information up to date. This includes maintaining an active and accessible:

• Email address, and
• Mobile phone number (if SMS notifications are enabled).

If your contact information changes, update it through your account settings or by emailing support@takeoffcredit.com.

4. Paper Copies

You may request a paper copy of any legally required disclosure or Communication at no additional cost by contacting us at support@takeoffcredit.com. Please include your full name, mailing address, and the specific document you are requesting.

We may charge a reasonable fee for excessive or repeated requests, as permitted by law.

5. Withdrawing Consent

You may withdraw your consent to receive electronic Communications at any time by contacting us at support@takeoffcredit.com. If you withdraw consent:

• We may close or suspend your account, since most Communications are provided electronically;
• You will remain responsible for any outstanding obligations under your Booster Plan(s).

6. Technical Requirements

To receive and retain electronic Communications, you must have:

• A device capable of accessing the internet;
• A current web browser (e.g., Chrome, Safari, or Edge);
• A valid email account; and
• Software capable of viewing PDF documents.

It is your responsibility to ensure these requirements are met and maintained.

7. System Downtime and Notifications

While we strive for uninterrupted service, Take Off Credit is not responsible for delays or failures in electronic delivery due to:

• Internet service interruptions,
• Device malfunctions, or
• Email filtering or spam blocking.

If you believe you did not receive a required Communication, please contact support@takeoffcredit.com immediately.

8. Acknowledgment and Consent

By creating an account, using our app, or continuing to use the Services, you acknowledge that you:

• Have read and understood this Consumer Disclosure & Communication Agreement;
• Consent to receive all Communications electronically; and
• Understand that your continued use of Take Off Credit constitutes acceptance of this Agreement.

No physical or electronic signature is required for this consent to be valid.

9. Contact Information