Electronic Signature Disclosure

This Electronic Signature Disclosure ("Disclosure") applies to all electronic documents, signatures, and communications between you and Mighty Clover LLC ("we," "our," or "us").

1. Scope of Electronic Communications

This disclosure applies to all communications and documents related to our services, including but not limited to:

• Service agreements and contract modifications
• Terms and conditions, privacy policies, and legal notices
• Account statements, invoices, and billing notifications
• Service updates, policy changes, and regulatory disclosures
• Compliance documentation and audit reports

2. Electronic Signature Validity

Electronic signatures provided through our platform have the same legal effect as handwritten signatures under applicable electronic signature laws, including:

• The Electronic Signatures in Global and National Commerce Act (E-SIGN)
• The Uniform Electronic Transactions Act (UETA)
• Similar applicable state and federal laws

Your electronic signature indicates your agreement to be bound by the terms of the document being signed.

3. System Requirements

To access and sign electronic documents, you must have:

• A computer, tablet, or mobile device with internet access
• A supported web browser (Chrome, Firefox, Safari, Edge - current or previous version)
• Enabled JavaScript and cookies
• A valid email address for receiving notifications
• Adobe PDF Reader or equivalent for viewing PDF documents

We will notify you if system requirements change and may require you to update your software or hardware.

4. Accessing Electronic Records

Electronic documents will be provided to you through:

• Email notifications with secure access links
• Your account dashboard or portal
• Direct download options where available

You are responsible for maintaining access to the email address and login credentials associated with your account.

5. Document Retention

We will retain electronic records for the periods required by law or as specified in our service agreements. You should:

• Download and save copies of important documents
• Print physical copies if required for your records
• Ensure you can access documents throughout any applicable retention period
• Update your contact information to receive important notices

6. Electronic Delivery

By consenting to electronic communications, you agree that:

• Electronic delivery satisfies any legal requirement for written notice
• You will regularly check your email and account for important communications
• You will promptly update your contact information if it changes
• Delivery is considered complete when we send the electronic communication

We may also provide courtesy paper copies at our discretion, but electronic delivery remains our primary communication method.

7. Authentication and Security

Our electronic signature process includes security measures to verify your identity and protect document integrity:

• Email verification for signature requests
• Secure access codes or login requirements
• IP address and timestamp logging
• Digital certificates and audit trails
• Tamper-evident sealing of completed documents

8. Withdrawal of Consent

You may withdraw your consent to electronic communications at any time by:

• Contacting us at info@flowbackpay.com
• Updating your preferences in your account settings
• Providing written notice to our business address

Withdrawal of consent may affect our ability to provide certain services and may result in service termination if electronic communications are essential to our service delivery.

9. Paper Copy Requests

You may request paper copies of electronic documents by contacting us. We may charge a reasonable fee for paper copies, which will be disclosed before processing your request.

Paper copy requests should be made within a reasonable time after the electronic document was provided.

10. Contact Information Updates

You must promptly notify us of any changes to:

• Your email address
• Your mailing address
• Your phone number
• Your authorized representatives or contacts

11. Mobile Device Considerations

When using mobile devices for electronic signatures:

• Ensure you have adequate screen size to review documents
• Use a reliable internet connection
• Be aware that data charges may apply
• Consider the security of your device and network

12. Technical Support

If you experience technical difficulties with electronic documents or signatures, please contact our support team at info@flowbackpay.com. We will provide reasonable assistance to help you access and complete electronic transactions.

13. Legal Effect

This disclosure supplements and does not replace any other agreements between you and us. Electronic signatures and communications have the same legal effect as their paper-based equivalents and are admissible in legal proceedings to the same extent as paper documents.