Authorization to Run Credit Report, Confirm Identity

Important Information about Procedures for Opening a New Account.

In this Authorization:

“We,” “us,” “our” and “emBorrow” means emBorrow LLC, and each and every current and future affiliate of emBorrow LLC. “You” and “your” means the person giving this authorization, and also each additional account owner, co-signer, authorized signer, authorized representative, and/or service user identified on any emBorrow Product that you apply for, use or access.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask you for your name, address, date of birth, social security number, and other information that will allow us to identify you.
We may also ask to see your driver’s license and other identifying documents.
By selecting the check box of this Authorization Agreement and continuing with the application process, you authorize us today for purposes of this product application, and from time to time if and when we approve you for a product or service, to carry out the following:

Investigate your credit worthiness, and to obtain credit information, including a consumer credit report, verification of income, and other information about you from others, such as credit reporting agencies, other creditors. We may furnish information about your emBorrow product(s) to consumer credit reporting agencies, or to other persons who may legally receive this information.
To obtain one or more credit reports (also known as consumer reports) and other information about you from consumer reporting agencies and/or other third party sources for use (1) in identifying available product options; (2) in evaluating any application; (3) in servicing or monitoring any product you may obtain from us and/or collecting or enforcing any loan that you may receive from us; (4) in providing your credit data to you; (5) in offering you financial products and services; and/or (6) for other related purposes.
You agree to provide us with authorization to obtain your federal and state tax returns, if we need to ask for those to verify your credit worthiness.
We may report information about your account to credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you ask us, we will tell you if we have requested information about you (or about your spouse, if applicable) from a consumer reporting agency and provide you with the name and address of any agency that furnished us with a report.
You understand that, after evaluating your complete application and checking your report, we may decide not to offer credit or products to you.

*It is recommended that you print a copy of this Agreement for future reference.

emBorrow

2100 Sanders Road – Suite 200
Northbrook, IL 60062
1-866-3-EMBRYO (36-2796)

Terms and Conditions Apply. emBorrow provides installment financing only to residents of states where the company has a lending license. In order to apply for financing, you must submit your application online and have, among other things, verifiable income. You may also need to be a patient of a fertility clinic. The actual amount and terms of financing that a customer qualifies for may vary based on credit determination and state law. In some instances, we might not manage to check your application information completely and may request some additional documentation. Please thoroughly review our Consents, Disclosures, Rates, and Terms & Conditions for further information. Complete disclosures of APR, details and payment terms are included in the Financing Agreement.

Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday.

emBorrow reserves the right to modify or discontinue products and benefits at any time without notice.
Important disclosures and consumer notice: Financing from emBorrow is designed to help you meet your fertility related borrowing needs. This service is not intended to provide a solution for all credit or other financial needs. We will never charge you any “hidden fees” that are not fully disclosed in the Financing Agreement. Since we may report your payment history to one or more credit bureaus, late or non-payment of your account may negatively impact your credit rating. If you don’t make a payment in accordance with your financing terms, we will attempt to contact you via one or more authorized methods. Our company’s methods are in accordance with the guidelines of the Federal Debt Collections Practices Act (FDCPA). Be sure you thoroughly understand the terms and conditions of your financing before signing your agreement. We are here to serve our customers and their financial needs if possible.

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