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E-Consent

Last Updated: January 1, 2026

This E-Consent disclosure explains how THREESTICKS communicates with you electronically. By submitting a loan request through our Site, you consent to receive communications from us and our third-party lending partners in electronic form. This consent applies to all communications related to your loan request and any subsequent transactions.

1. Electronic Communications

By using our Site and submitting a loan request, you agree that we may communicate with you electronically regarding your request, our services, and related matters. Electronic communications may include:

  • Email messages to the email address you provide.
  • SMS text messages to the phone number you provide.
  • Automated phone calls, including pre-recorded messages and calls using artificial or prerecorded voices.
  • Notices posted on our Site.
  • Communications from third-party lending partners.

2. Hardware and Software Requirements

To access and retain electronic communications from us, you will need:

  • A computer or mobile device with internet access.
  • A valid email address and access to an email account.
  • A working telephone number.
  • A current web browser (such as Chrome, Safari, Firefox, or Edge).
  • Sufficient storage capacity to retain electronic communications.

3. Consent to Automated Communications

By providing your phone number, you expressly consent to receive automated telephone calls, SMS text messages, and pre-recorded messages from us and our third-party lending partners at the phone number you provided, including at any wireless number. These communications may be made using an automatic telephone dialing system or an artificial or prerecorded voice. You understand that consent is not a condition of any purchase or transaction. Message and data rates may apply.

4. Withdrawing Your Consent

You may withdraw your consent to electronic communications at any time by contacting us at [email protected] or by replying "STOP" to any SMS message you receive from us. If you withdraw your consent, we may not be able to continue processing your loan request or connecting you with lending partners.

5. Updating Your Contact Information

You are responsible for providing and maintaining accurate contact information. If your email address, phone number, or mailing address changes, you must notify us promptly so we can continue to communicate with you. We are not responsible for communications that are not received due to inaccurate or outdated contact information.

6. Legal Validity of Electronic Communications

Electronic communications and records provided by us or our lending partners will have the same legal validity and enforceability as paper-based records. Your consent to electronic communications satisfies any legal requirement that communications be in writing.

7. Scope of Consent

Your consent to electronic communications applies to all communications related to your use of our Site and the loan request process, including communications from third-party lending partners. This consent remains in effect until you withdraw it or your loan request process is complete.

8. Contact Us

If you have questions about this E-Consent disclosure, please contact us at:

  • Email: [email protected]
  • Address: THREESTICKS, 123 Market Street, Suite 200, San Francisco, CA 94103