E-SIGN Disclosure

1. Scope of Disclosure

This disclosure (“Disclosure”) applies to all notices, disclosures, statements, and other communications that Cobblestone Labs, Inc. or its affiliates (“Cobblestone”) provide to you regarding Cobblestone products and services (“Services”). It also applies to agreements governing your use of the Services, and communications under them. All these communications and agreements are collectively referred to as “Communications.”

By submitting an application or opening an account to use the Services, you agree to this Disclosure and confirm your consent to (a) receive Communications electronically; and (b) the use of electronic signatures. If you choose not to consent to this Disclosure or if you withdraw your consent, you may be unable to use the Services.

2. Communications that are covered

Examples of Communications include:

Any disclosure statement governing your use of the Services;

Any disclosure required by Law;

Billing statements, receipts and account history reports;

Letters, notices and alerts regarding the Services and any changes to the Services; and

Other disclosures, notices and communications in connection with (a) your application for the Services; (b) your Cobblestone Account; (b) account maintenance; or (d) servicing and collection of funds.

This Disclosure applies to all Communications that Cobblestone provides to you on its behalf or on behalf of its service providers, clients, and their affiliates.

3. Methods of Providing Communications

Unless Law otherwise requires, or Cobblestone otherwise agrees, Cobblestone may provide Communications to you by (a) posting them on the Cobblestone Website; (b) notifying you through the Services, your Cobblestone Dashboard or any Cobblestone application; (c) sending a text message to the mobile phone number listed in the applicable Cobblestone Account; (d) sending an email to the email address listed in the applicable Cobblestone Account; or (e) delivering them in another electronic format. Charges may apply to Communications sent by text or other electronic means.

4. Electronic Signatures

Cobblestone may execute Communications electronically. If Cobblestone requests, you will execute Communications electronically. You also agree that Communications you or Cobblestone sign electronically will have the same legal effect as a signed physical document.

5. Hardware and Software Requirements

In order to access, view, sign and retain electronic Communications that Cobblestone provides to you, you must have:

An up-to-date device (e.g., computer, tablet, or mobile phone) which has internet access;

A current, compatible web browser, including the current or immediately preceding version of Chrome, Internet Explorer, Firefox, Safari and Edge;
A valid email account;

An operating system on your device capable of receiving, accessing and displaying Communications in electronic form via text-formatted email or gaining access to the Cobblestone site using a supported browser, including any necessary software (e.g., Adobe to read PDF documents); and

If you wish to store or print any Communications, a device capable of storing and printing Communications.

If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add relevant Cobblestone email accounts to your email address book.

6. Accessibility

If you are having problems viewing or accessing any Communications, please contact Cobblestone at [email protected]

7. How to Withdraw Your Consent

You may withdraw your consent to receive electronic Communications, or to electronic signatures, under this Disclosure by writing to Cobblestone at “ATTN: Cobblestone Consumer Relations, 32 W 28th Street, Floor 5, New York, NY, 10001 ” or by contacting Cobblestone at [email protected]. Your withdrawal of consent to receive electronic Communications will be effective after Cobblestone has had a reasonable period of time to process your withdrawal.

By disabling or withdrawing your consent to electronic Communications, you will no longer receive them from Cobblestone, but you may be disabling important security controls on your Cobblestone Account, you may increase the risk of loss to your business, and your ability to use the Services may be adversely affected or terminated.

8. Requesting Paper Copies

You can request paper copies of electronic Communications from Cobblestone by contacting Cobblestone at getcobblestone.com/contact. In your request, please specify the Communication you would like to receive in paper form, and your current mailing address.

9. Updating Contact Information

It is your responsibility to keep your contact information, including your primary email address, current. You can update your primary email address and other contact information by logging into your Cobblestone Account.

10. U.S. Federal Law

If you are located in the U.S., you acknowledge and agree that the Services are subject to the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”), and that you intend that the E-SIGN Act will apply to validate your ability to engage electronically in transactions related to the Services.