E-Sign and Electronic Communications Notice

This Electronic Communications and E-Sign Notice (the “Notice”) is part of the Plaitr Terms of Service and applies to your use of the Plaitr website at plaitr.com, any Plaitr mobile applications, dashboards, APIs, or other online or digital services (collectively, the “Platform”) provided by Plaitr (“Plaitr”, “we”, “us”, or “our”) and all products offered on the Platform, whether directly or in partnership with third-party providers (collectively, the “Plaitr Offerings”). For purposes of this Notice, “you”, “your”, or “user” mean the individual or entity that accesses or uses the Platform or Plaitr Offerings.

This Notice explains how Plaitr provides electronic communications (emails, in-Platform messages, dashboards, push notifications, SMS or WhatsApp, PDFs, web pages, and other digital notices) and how you consent to use electronic records and signatures. It also describes your choices, hardware and software requirements, and how to withdraw consent.

Capitalized terms not defined here have the meanings given in the Terms of Service, the Privacy Policy, or the Prohibited Use Policy.

1. Scope

This Notice governs all electronic communications between you and Plaitr relating to your use of the Platform and any Plaitr Offering. Certain Plaitr Offerings are made available in partnership with third-party providers, such as financial institutions, payment processors, program managers, or other service partners. Those partners may provide their own required notices, disclosures, statements, or other communications directly to you, governed by the partner’s own terms and electronic communications policies.

Plaitr does not control and is not responsible for the content, timing, or legal sufficiency of any third-party communications by Plaitr’s partners under their respective electronic communications policies. Plaitr’s role is limited to Platform-level notices relating to your Plaitr Account and your use of the Plaitr Offerings.

Electronic communications under this Notice may include but are not limited to the Terms of Service, Privacy Policy, Prohibited Use Policy, and any updates to them, confirmations or user restrictions, invoices, receipts or payout notifications, compliance or KYC/KYB requests, Platform security and incident alerts, developer or API credential notices and rate-limit updates, and changes to this Notice.

2. Consent to electronic communications and signatures

2.1 Consent to receive electronic communications

By using the Platform, creating or maintaining a Plaitr Account, or using any Plaitr Offering, you consent to receive all communications from us (including agreements and policies, legally required disclosures, transaction confirmations, and other information) in electronic form. Your consent to electronic delivery is required to create or keep a Plaitr Account and to use the Platform and Plaitr Offerings.

2.2 Forms of electronic communications

Electronic communications from Plaitr may be provided through: (i) email sent to your primary email address associated with your Plaitr Account; (ii) Platform dashboard messages, banners, or alerts displayed when you log in; (iii) in-app or mobile notifications within any Plaitr mobile applications; (iv) push notifications delivered to your registered device where enabled; (v) SMS, WhatsApp, or similar messaging services where you have opted in; (vi) API responses or webhooks if you are a developer or enterprise user; (vii) posting to the Plaitr website at plaitr.com or to a specific webpage we notify you about; or (viii) downloadable or viewable documents (for example, HTML or PDF files made available through the Platform).

A communication will be deemed delivered and received when it is made available by any of the above methods, regardless of whether you actually access or read it. It is your responsibility to regularly check your email, dashboard, and other channels you have enabled, and to maintain accurate contact information in your Plaitr Account.

You are responsible for ensuring you can receive all electronic communications from us, including by configuring your email and messaging settings to accept communications from Plaitr domains. We are not responsible for delivery failures caused by filters, firewalls, or outdated contact details.

2.3 Consent to electronic signatures

You agree that electronic records and electronic signatures satisfy any “in writing” and signature requirements and have the same legal effect as paper records and handwritten signatures, to the maximum extent permitted by applicable law, including the U.S. Electronic Signatures in Global and National Commerce Act (E-Sign Act) and the Uniform Electronic Transactions Act (UETA).

You may be asked to indicate your agreement by clicking “I agree”, checking a box, typing your name, using a designated acceptance mechanism in the Platform, or by continuing to use the Platform or Plaitr Offerings after notice of updated terms. Any such action constitutes your electronic signature and your consent to be legally bound.

2.4 Duration of consent

Your consent remains in effect while you maintain a Plaitr Account, access or use the Platform or any Plaitr Offerings, and thereafter for communications we are required or reasonably elect to provide (including legal, regulatory, tax, compliance, collections, or dispute-related communications), unless and until you withdraw consent as described here. If your Plaitr Account is closed or later re-opened, or if you re-enroll in a Plaitr Offering, your consent will continue or be deemed renewed upon re-enrollment. Consent granted to Plaitr does not extend to third-party partners; their electronic communications policies govern.

2.5 Third-party partner communications

Certain Plaitr Offerings are provided in partnership with third-party providers. Those third parties may send their own legally required notices, disclosures, or statements directly to you, and such communications will be governed by their respective electronic communications policies. Plaitr may, as a convenience, display or relay those communications through the Platform, but Plaitr acts solely as a conduit and is not responsible for the form, content, timing, or sufficiency of such communications.

3. Withdrawing consent and paper copies

You may request paper copies of any communication we provide electronically by emailing support@plaitr.com. We provide paper copies of records we are legally required to deliver without charge. For other requests, we may charge a reasonable fee to cover printing and mailing costs.

You may withdraw your consent to receive electronic communications from Plaitr at any time by emailing support@plaitr.com. We will process your request within a reasonable period after receipt.

Because the Platform and Plaitr Offerings are designed to operate electronically, withdrawal of consent may result in our inability to provide you with some or all services. We may suspend or terminate your Plaitr Account or restrict access to certain Plaitr Offerings if you withdraw consent, except to the extent that applicable law requires us to provide communications in another form.

Withdrawing consent under this Notice applies only to electronic communications from Plaitr. Third-party partners may continue to send their own required notices under their own terms. To withdraw consent from a partner, follow their procedures separately.

4. System requirements

To access and retain electronic communications from Plaitr, you must have the necessary hardware, software, and connectivity. At minimum: a computer, smartphone, or other device with reliable internet access and a current web browser we support, such as the most recent or immediately prior major release of Chrome, Safari, Edge, or Firefox.

You must also maintain a valid email address and, if you choose to receive SMS or push notifications, a mobile device capable of receiving them. To download, view, and keep copies of records, you need adequate storage capacity and the ability to open common formats such as HTML or PDF.

Keep your device updated with the latest security patches and browser versions. If these requirements change in a way that materially affects your ability to receive or retain electronic communications, we will notify you and give you an opportunity to withdraw consent without penalty.

5. SMS, text, and push notifications

If you opt in to receive SMS, text messages, or push notifications, you expressly consent to receive account-related and transactional communications from Plaitr, which may include one-time passcodes (OTPs), multi-factor authentication prompts, security alerts, compliance or verification requests, account status updates, and other operational messages. Message and data rates from your mobile carrier may apply. Message frequency varies with your activity and security settings.

You can opt out of SMS or text messages at any time by following the instructions in the message (for example, by replying “STOP”), or by adjusting your account settings. Opting out may limit features that rely on those communications (for example, two-factor authentication or real-time fraud alerts).

Marketing or promotional text messages will only be sent if you separately provide required consent. Opting out of marketing messages does not affect account-related messages necessary for security and operation. Plaitr is not responsible for delays or failures caused by your mobile carrier or circumstances outside our control.

6. Joint communications

Certain Plaitr Offerings are made available in partnership with third-party partners and providers. Such partners may be legally or contractually required to send notices, disclosures, statements, or other communications directly to you (for example, transaction receipts, billing statements, adverse action letters, or regulatory disclosures).

Plaitr may, as a convenience, display or relay some of these communications within the Platform (for example, in your dashboard or through APIs), but Plaitr acts solely as a conduit and does not control the content, form, timing, or legal sufficiency of any communications originating from third-party partners.

In the event of any inconsistency between a communication provided by Plaitr and a communication provided by a third-party partner regarding the same Plaitr Offering, the third-party partner’s communication and terms will control for matters within that partner’s responsibility. Plaitr remains responsible only for Platform-level notices relating to your Plaitr Account and your use of the Platform.

7. Records and retention

Plaitr maintains electronic records of your communications and activity on the Platform as permitted by applicable law, regulatory obligations, and the requirements of our third-party partners. These records may include agreements you accept electronically, notices we send to you, and confirmations or receipts generated through your use of the Plaitr Offerings. We do not guarantee indefinite access to all historical records. Certain records may be available only for a limited period based on legal, regulatory, or operational requirements, after which they may be archived or deleted.

You are responsible for downloading, saving, or printing copies of important communications for your own files. Plaitr is not obligated to provide historical copies of records beyond the periods required by law or partner requirements, except where we expressly agree or are legally required to do so.

Records remain subject to the Plaitr Privacy Policy. Where communications are provided by our third-party partners, their own retention policies apply.

8. Accessibility

Plaitr is committed to ensuring our electronic communications are accessible to all users. If you are unable to access, view, or retain any communication in the standard electronic format due to a disability, assistive technology requirements, or a local-language obligation, you may request an accessible or alternative format. Contact support@plaitr.com.

We will work with you in good faith to identify a reasonable accommodation consistent with applicable law, regulatory requirements, and the obligations of our third-party partners. This may include large print, alternative text formats, compatible screen-reader versions, or another format that enables effective access. Where local laws require communications in a particular language, we will comply.

Certain communications delivered directly by third-party partners may be subject to their own accessibility or language requirements. In such cases, we may direct you to the appropriate partner to fulfill your request.

9. Changes to this notice

We may update or amend this Notice from time to time to reflect changes in technology, legal or regulatory requirements, our business operations, or the Plaitr Offerings. When we make changes, we will post the revised Notice on the Platform with a new “Last updated” date.

If we make a material change, we will provide advance notice where required by law. Notice may be by email, in-Platform banner or dashboard message, or another reasonable method. Continued use after the effective date constitutes your acceptance. If you do not agree, you may withdraw consent under this Notice and stop using the relevant Plaitr Offerings before the effective date.