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Electronic Disclosure and Consent

In this agreement (“Agreement”), “we,” “us,” “our,” and “ORM” mean One Real Mortgage Corp. and its affiliates.  “You” and “your” refer to you and/or the business entity signing up for ORM services or use of ORM products.  “Communications” means disclosures, notices, loan applications, fee schedules, privacy policies, statements, records, documents, and other information we provide to you, or that you sign and submit or agree to at our request. It includes any agreement, authorization, or related agreement or disclosure we may provide to you in connection with any service offered by ORM.

ORM is dedicated to providing the best online mortgage experience possible, including providing information to you electronically. By accepting this Agreement, you agree that you are willing and able to receive Communications in electronic form, and consent to receive Communications in electronic form. If you do not give your consent to receive Communications in electronic and not paper form, you may not open an account. If you withdraw your consent to electronic Communications at any point after providing consent hereunder, we reserve the right to terminate your account.

Delivery Methods

We will deliver Communications to you electronically, either through ORM’s Mortgage Central or other mortgage application program (“Website”); text or SMS messages (“Text Messages”); or through electronic mail (“E-mail”). If we do not deliver Communications to you through the above manners, we will tell you where you can go to receive such Communications.

We may be required by law to deliver certain Communications to you on paper even though you have consented to receive it electronically.

Hardware and Software Requirements

To receive and retain electronic Communications from ORM, you will need the following:

  • A computer or mobile device with an operating system that supports everything below;
  • An internet connection;
  • A current version of a web browser that we support, including: Edge version 42 or higher, Firefox version 62 or higher, Safari version 12 or higher, or Chrome version 69 or higher;
  • A hard drive or other method of storing data;
  • A valid, active email address; and
  • A current version of a program that displays PDF files.

We may update these requirements periodically in order to maintain our ability to provide electronic Communications. If these requirements change in a substantial way, we will notify you of the changes.

Updating Contact Information

It is your responsibility to maintain accurate and current contact information so that we may send you electronic Communications. You can update your email address and other contact information by emailing support@onerealmortgage.com.

Requesting Paper Copies

If we choose to make paper copies of certain electronic Communications available, we do not create any obligation to do so at other times. With respect to Communications concerning any personal (non-business) transactions or transactions involving any personal, family, or household purpose accounts that we may permit from time to time, you may obtain a paper copy of an electronic Communication by printing it or by requesting we mail a paper copy. You may make requests for paper copies by emailing us at support@onerealmortgage.com.

Communications in Writing

We are required by law to give you certain information in writing. All Communications delivered to you in either electronic or paper format will be taken as information delivered “in writing.”

Withdrawing Consent

You have the right to withdraw your consent to this Agreement at any time. Withdrawing consent will terminate your ORM account, including access to the services through the ORM Website. You may withdraw consent by emailing us at support@onerealmortgage.com.