Agreement to Receive Electronic Communications
This Electronic Communications Agreement (“Disclosure”) applies to all communications related to the
prepaid card product (“Prepaid Card”) and accompanying services available through
www.brightwellnavigator.com (the “Website”) or mobile application (“Mobile App”). This Disclosure
supplements and is to be construed in accordance with the terms of the cardholder agreement
(“Cardholder Agreement”) you received when you obtained the Prepaid Card account.
“We,” “us,” and “our” refer to Brightwell Payments, Inc. “Bank” means The Bancorp Bank. “Card Account”
refers to the Prepaid Card account issued by the Bank. “You” and “your” refers to the person(s) to whom
the Prepaid Card has been issued. “Communication(s)” means any customer agreement or amendments
thereto; disclosure; notice; response to claims; transaction history; privacy policy; and all other information
related to Prepaid Card, Card Account and related products and services, including but not limited to
information that we are required by law to provide you in writing.
The Prepaid Card is intended for use only by person(s) who are willing and able to receive notices and
communications exclusively through the Website, the Mobile App or via electronic mail (“E-mail”). If you
do not agree to receive the legally-required notices and communications described herein in electronic
and not paper form, then you may not open a Card Account. Similarly, if after providing consent
hereunder, you withdraw it, we reserve the right to close the Card Account and terminate your
participation in the Prepaid Card program.
1. Scope of Communications to Be Provided in Electronic Form. When you use a product or
service to which this Disclosure applies, you agree that any Communications will be provided in
electronic format, to the extent allowed by law, and that paper Communications will not be sent. You
consent to receive electronic Communications and transactions includes, but is not limited to:
• All legal and regulatory disclosures and communications associated with the Prepaid
Card and any related products or services;
• The Cardholder Agreement and any notices about changes in terms;
• Privacy policies and notices;
• Responses to claims filed in connection with the Card Account;
• Notices regarding insufficient funds or negative balances; and
• All other communications between us and Customer concerning the Card Account and
any related transactions, products or services.
2. Method of Providing Communications in Electronic Form. All communications that we
provide in electronic form will be provided either (1) by E-mail or (2) by access to the Website, or
(3) through the Mobile App.
3. How to Withdraw Consent. You may withdraw consent to receive Communications in electronic
form by contacting Brightwell at the number shown on the back of your Card or opening a support
ticket. If you withdraw consent, the Prepaid Card will be closed and a balance refund check may
be issued in accordance with the terms of the Cardholder Agreement. If you withdraw consent,
the legal validity and enforceability of prior Communications delivered in electronic form will not
be affected.
4. How to Update Records. It is your responsibility to provide us with a true, accurate and
complete E-mail address, contact, and other information related to this Disclosure and the
Prepaid Card, and to maintain and update promptly any changes in this information. You can
update information (such as the E-mail address) through www.brightwellnavigator.com or by
contacting us at the number shown on the back of your Card or by opening a support ticket. We
are not responsible for any delay or failure in the receipt of the Communications if we send the
Communications to the last E-mail address you provided to us.
5. Hardware and Software Requirements. In order to access, view, and retain electronic
Communications that we make available, you must have:
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• an Internet browser that supports 128 bit encryption, which requires Windows 2000 or
later version running either Internet Explorer version 6.0 or higher or Firefox version 3.0
or higher, or Macintosh OSX 10.2 or higher running Safari web browser. Your access to
this page verifies that your browser and encryption software/device meets these
requirements;
• sufficient electronic storage capacity on your computer’s hard drive or other data storage
unit;
• an active E-mail account with an Internet service provider and e-mail software;
• a personal computer (for PC’s: Pentium 120 MHz or higher; for Macintosh, Power Mac
9500, Power PC 604 processor: 120-MHz Base or higher), operating system and text-
formatted email or by access to our web site using one of the browsers specified above;
• Adobe Reader version 9.0 or higher
We may update these requirements as necessary to preserve the ability to receive electronic
Communications. If there is a substantial change in these requirements, you will be notified of
the changes accordingly.
6. Requesting Paper Copies. We will not send paper copies of any Communication, however, we
reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any
Communication that you have authorized us to provide electronically. You can obtain a paper
copy of an electronic Communication by printing it or by requesting that we mail a paper copy. To
request a paper copy, call us at the number shown on the back of your Card during normal
business hours. There may be fees associated with any request for the delivery of paper copies
of any Communication provided electronically pursuant to this Disclosure. Please refer to the fee
schedule in your Cardholder Agreement for full details.
7. Communications in Writing. All Communications in either electronic or paper format from us to
you will be considered “in writing.” You should print or download a copy of this Disclosure and any
other Communications.
8. Federal Law. You acknowledge and agree that consent to electronic Communications is being
provided in connection with a transaction affecting interstate commerce that is subject to the
federal Electronic Signatures in Global and National Commerce Act (the “Act”), and that you and
we both intend that the Act apply to the fullest extent possible to validate our mutual ability to
conduct business by electronic means.
9. Termination/Changes. We reserve the right, at our sole discretion, to discontinue the provision
of electronic Communications, or to terminate or change the terms and conditions upon which
electronic Communications are provided. We will provide you with notice of any such termination
or change as required by law.
10. Consent. By checking “I agree,” you adopt the checkmark as your electronic signature and you
give us your affirmative consent to receive electronic Communications as described herein. You
further agree that your computer satisfies the hardware and software requirements specified
above and that you have provided us with your current E-mail address to which we may send you
electronic Communications.
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