Electronic Communications Policy

Last updated: June 11, 2024

Please read this information carefully.


Definitions

  • “We,” “us,” “our” and “Milo Credit” means Milo Holdings, Inc. and its subsidiaries including Milo Credit, LLC and Milo Payments, 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 Milo Credit Product that you obtain from us. This includes, but is not limited to, all communications, agreements, policies, documents, notices and disclosures.
  • “Milo Credit 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, including but is not limited to, emails, instant messaging, and text messages (SMS/MMS). 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 and/or phone number on file, on our website, or on your online account.

Your consent covers all Communications relating to any Milo Credit and/or Milo Payments 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;
  • a valid email address and phone number (on file with Milo Credit).

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@milo.io. 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, Milo Credit reserves the right to either deny your application for a Milo Credit 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 Milo Credit online account. Milo Credit 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 Milo Credit can communicate with you electronically. You may do so by calling us at 1-(888) 433-6456.

You understand and agree that if Milo Credit 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, Milo Credit will be deemed to have provided the Communication to you.

1-888-433-6456 (MILO)

545 NW 26th Street, Suite 200
Miami, FL 33127

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Milo Credit, LLC is a direct lender and licensed under NMLS #1811449.
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EQUAL CREDIT OPPORTUNITY ACT NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers Milo Credit’s compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.