Last Revised: June 5, 2018

Electronic Communications Policy

Please read this information carefully.

Definitions

  • “We,” “us,” “our” and “Figure” means Figure Technologies Inc. and its affiliates, including Figure Lending LLC.
  • “Communication” means any information that we are required by law to provide to you in writing in connection with your application or any information we may otherwise provide to you relating to any Figure Product that you obtain from us. This includes, but is not limited to, all communications, agreements, policies, documents, notices and disclosures.
  • “Figure Product” means each and every account, product or service we offer that you apply for, own, use, administer or access, either now or in the future, including electronic services.

Electronic delivery of communications

By consenting to this Electronic Communications Policy, any Communications we provide to you may be provided in electronic form. We may also use electronic signatures and obtain them from you as part of our transactions with you. All communications that we provide to you electronically will be provided either directly to your email address on file in your online account, on our website, or on your online account.

Your consent covers all Communications relating to any Figure product. Your consent remains in effect until you give us notice that you are withdrawing it.

Hardware and software requirements

Before you consent, you should consider whether you have the following required hardware and software capabilities to access, view and retain Communications:

  • access to a computer, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying and either printing or storing Communications electronically. Your Internet browser must meet the following minimum requirements: the current and previous major releases of Chrome, Firefox, Edge, or Safari on a rolling basis. Also, the specific Internet Browser must support at least 256-bit encryption; and
  • a valid email address (your email address on file with Figure).

We will notify you of any changes to these requirements that create a risk that you may not be able to receive Communications electronically.

By giving your consent you are confirming that you have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for your records.

Withdrawing your consent

You may withdraw your consent to receive Communications electronically by contacting us at help@figure.com. Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.

If you fail to provide consent, or if you withdraw your consent to receive Communications electronically, Figure reserves the right to either deny your application for a Figure Product, restrict or deactivate your online account, close your account, or charge additional fees for paper copies.

Requesting paper copies of electronic Communications

If, after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously sent you, you may request a copy within 180 days of the date we provided the Communication to you by contacting us as described above. In order for us to send you paper copies, you must have a current street address on file as your “Current Address” in your Figure online account. Figure may charge you a record request fee for paper copies of each Communication.

Updating your contact information

You must promptly notify us of any change to your email address so that Figure can communicate with you electronically. You may do so by calling us at 1-(888) 819-6388.

You understand and agree that if Figure sends you an electronic Communication but you do not receive it because your email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Figure will be deemed to have provided the Communication to you.

© 2019 Figure Technologies, Inc.

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Figure Lending LLCNMLS #1717824 - NMLSCONSUMERACCESS.ORG

Figure Home Equity Loan PLUS is available in CA with more states to come.

Equal Housing Opportunity Equal Housing Opportunity

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

1 Our APRs range from 4.99% to 12.75%. The lowest APR is only available to consumers with excellent credit. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Loan Plus with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-3% of your initial draw depending on the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status.

2 Approval in 5 minutes and funding in 5 days is based on a typical customer experience for properties located in counties that permit e-signatures and e-recording. Actual funding times may vary. Due to state law, funding in 5 days is not applicable to first lien loans secured by owner-occupied properties in Vermont.

3 Home values and price appreciation are estimates based on our assessment of independent data sources and automated valuation models (AVMs).
4 https://www.hsh.com/first-time-homebuyer/cost-of-owning-a-house.html
5 You should consult a tax advisor regarding the deductibility of interest and charges to your Home Equity Loan Plus.
6 Sources: Credit card, Personal loan, Traditional Home Equity

*State and city home valuation appreciation rates are based on Zillow home value estimates ( https://www.zillow.com/home-values/), https://www.zillow.com/san-jose-ca/home-values/)

One click to find your rate - it won’t affect your credit score.

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