ImportantLast updated: 4/02/2024

ImportantConfirmation:

You are agreeing to these terms (“E-Sign Consent”) by checking a box or selecting a button to:

• Submit an application or accept an offer for a credit card account ("Account") from Comenity Bank or Comenity Capital Bank ("Bank," "we," "us" or "our");
• Register or update your consent to online or mobile services for your Account;
• Use a service provided to you through your Account.

You are also agreeing to using electronic records and signatures generally in your transactions with us.

This E-Sign Consent includes your certification that you have the hardware, software, and system requirements and the ability to access and retain information provided electronically as detailed in this agreement. Please read this carefully and keep a copy for your future reference.

ImportantYou must agree to this E-Sign Consent to access our Account Center portal or mobile application to service your Account, make payments, update your contact information, take advantage of promotional offers, and more. You may opt out of electronic billing statements without revoking your E-Sign Consent. If you opt out of electronic billing statements, you may be charged a paper statement fee.

ImportantCovered Communications: You have the right to receive certain legal disclosures and communications relating to your Account in writing ("Covered Communications"). When you agree to this E-Sign Consent and confirm that you meet the hardware, software, and system requirements, we may provide the Covered Communications to you electronically. Covered Communications include, but are not limited to:

• Billing statements;
• Applications or solicitations;
• Adverse action notices;
• Agreements governing your Account (including amendments and addenda);
• Electronic fund transfer authorizations;
• Legal disclosures or notices;
• Payment due notices, disputes, and billing inquiry communications;
• Balance transfer, promotional offers, and promotional plan disclosures;
• Annual privacy notices;
• Updates to this E-Sign Consent;
• Any other information of any kind we may provide to you, or that you may sign or submit or agree to at our request, as well as other communication about your Account or any substitute credit card account we may issue to you to replace the Account. 

Covered Communications also includes required disclosures related to attempts to collect any debt arising from your Account.

We may provide Covered Communications in paper form and we may stop providing such paper communications at our option. Unless you have withdrawn your E-Sign Consent, if we have been providing disclosures required to be in writing in paper form (including billing statements) and we switch to providing them electronically we will give you advanced notice and the right to disagree.

ImportantRequesting Paper Copies: You have the right to request paper copies of any and all Covered Communications.  You may request a paper copy of any Covered Communication by:

• Writing us at: Comenity Bank PO Box 182273 Columbus, OH 43218;  
• Sending us a message through Secure Message Center on Account Center; or
• Calling us at the number on the back of your credit card or listed in Account Center.

ImportantRequesting Paper Billing Statements: You may elect to receive paper billing statements without withdrawing your E-Sign Consent. This allows you to still access your Account through Account Center or the mobile application. You may continue to pay your bill, accept offers, and use the services provided through Account Center or the mobile application, if you choose. If you choose to receive paper billing statements we may, at our option, send you other Covered Communications in paper as well. A withdrawal of your consent to receive billing statements electronically will be effective only after we have had a reasonable period of time to process your withdrawal.

You may elect to receive billing statements in paper format at any time by:

• Signing into your Account through Account Center or the mobile application and changing your account preferences to unenroll from paperless.
• Writing us at: Comenity Bank PO Box 182273 Columbus, OH 43218; or
• Calling us at the number on the back of your credit card or on your billing statement.

ImportantIf you elect to receive paper billing statements, you may be charged a paper statement fee.

ImportantWithdrawing E-Sign Consent: Your consent shall remain in force until withdrawn in the manner provided in this section. You may withdraw your E-Sign Consent at any time. Withdrawing your consent may delay your transactions with us, will eliminate your ability to use our Account Center portal, Bread Pay Member portal, or mobile application, and eliminate your ability to make electronic payments (including AutoPay) through Account Center, Bread Pay Member portal, and the mobile application. You may withdraw your consent at any time by:

• Sending us a message through Secure Message Center on Account Center
• Writing us at: Comenity Bank PO Box 182273 Columbus, OH 43218; or
• Calling us at the number on the back of your credit card or on your billing statement.

A withdrawal of your E-Sign Consent will be effective only after we have had a reasonable period of time to process your withdrawal. ImportantIf you revoke your E-Sign consent, you may be charged a fee to receive some Covered Communications.

ImportantKeep Email Updated: You agree to notify us immediately if your email address changes by signing into Account Center, the mobile application, or calling us at the phone number listed on the back of your credit card or on your billing statement. If a Covered Communication comes back to us as undeliverable, we may send you a paper version of that communication but assume no obligation to do so. Your failure to update your email address may result in missed communications which could relate to changes in Account terms, increased fees or other important disclosures and notices.

ImportantHardware, Software, and System Requirements: To receive Covered Communications electronically, you must have a valid email address, and have access to:

• A Current Version of Microsoft Edge, Chrome, or Safari;
• A connection to the Internet;
• A Current Version of a program that accurately reads and displays PDF files;
• A device and an operating system capable of supporting all of the above; and
• A printer if you wish to print out and retain records on paper or sufficient electronic storage capacity if you wish to retain records in electronic form.

By "Current Version," we mean the two most recent versions of the software that is currently being supported by its publisher. From time to time, we may offer services or features that require that your Internet browser be configured in a particular way, such as permitting the use of JavaScript or cookies. We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use.

ImportantModification of Terms:  We may modify the terms of this E-Sign Consent at our discretion.  We will provide you with notice of such modification electronically.