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Bank","slug":"ridgewoodbank","loanLabel":"Ridgewood Savings Bank","hostDomain":"ridgewoodbank.upstart.com","internal":false,"phoneNumber":"(833) 568-7838","supportEmail":"ridgewoodbank.support@upstart.com","servicingPhoneNumber":"(833) 568-7899","servicingSupportEmail":"ridgewoodbank.servicing@upstart.com","signupFlowEnabled":true,"referralFlowEnabled":true,"pbuProgramId":12},"trackLegalConsentPath":"/legal_consents/track?application_uuid=80ddf49e-0ecb-4826-b8f1-06b67085a11d","legalDocuments":{"en":{"esignConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"\u003cp class=\"center h4\"\u003e Electronic Communications Policy and Consent\u003c/p\u003e\r\n\r\nIn connection with your loan inquiry and any loan transaction, you are entitled by law to receive certain information on paper.  By providing this consent, you agree to receive them electronically instead.  You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, \"**Communications**\") that we, Upstart Network, Inc. (“**Upstart**”) and/or Ridgewood Savings Bank including our affiliates and subsidiaries or our agents, successors and assigns, or service providers, provide in connection with any loan inquiry, loan offer, loan, or any other products or service you receive  from Ridgewood Savings Bank on Ridgewood Savings Bank’s website and/or on www.upstart.com or any of its subdomains, and the servicing of any loan you receive from Ridgewood Savings Bank your consent gives permission to communicate with you electronically in regard to any activity related to the Ridgewood Savings Bank product and services accessed through the website(s), and is not specific to any loan, inquiry, product, service, or transaction.\r\n\r\nCommunications include, as applicable:\r\n- Any information provided to you about any loan inquiry or loan offers, including your interest rate, finance charges and APR, and the final terms of your loan;\r\n- Any information provided to you about  any product, service, or transaction you receive;\r\n- Any terms and conditions and policies you agree to, including updates to these agreements or policies, and other authorizations you provide;\r\n- Any documents or disclosures provided to you, including payment receipts, notices of default, and federal and state tax statements; and\r\n- Any other information relating to your relationship to Upstart and Ridgewood Savings Bank.  \r\n\r\n\u003cp\u003eWe will provide these Communications to you by posting them on the \u003ca href=\"https://www.ridgewoodbank.upstart.com/\"\u003eRidgewood Bank\u003c/a\u003e website after you log-in, and/or by emailing them to you at your registered email address.  \u003cu\u003e\u2028\u2028It is your responsibility to keep your registered email address up to date so that we can communicate with you electronically.\u003c/u\u003e  You have the right to request paper copies of any communication.  Paper copies can be requested by calling (833) 568-7838 during our operating hours 9:00 AM EST to 5:00 PM EST, each Monday through Friday that are Business Days.\r\n\r\nIn order to access and retain electronic Communications, you will need: a computer with an Internet connection; a current web browser that includes 128-bit encryption and with cookies enabled (e.g. Microsoft Edge version 9.0 and above, Firefox version 87.0 and above, Chrome version 89.0 and above, or Safari 13.0 and above); a valid email address; and sufficient storage space to save past Communications or an installed printer to print them.  You confirm that you have access to the necessary equipment and software to receive and save/print our Communications to you.\r\n\r\nYou have the right to withdraw consent and may withdraw your consent to receive Communications electronically or update information needed to contact you electronically by emailing us at ridgewoodbank.support@upstart.com; by calling us at (833) 568-7838 during our operating hours 9:00 AM EST to 5:00 PM EST, each Monday through Friday that are Business Days; or by writing to us via regular mail at Ridgewood Savings Bank Operations, P.O. Box 1503, San Carlos, CA 94070.  If you withdraw your consent prior to completing your application, you will not be able to complete the application process and therefore will not be issued a loan. If you withdraw your consent to receive Communications electronically, we reserve the right to charge you additional fees for paper copies - up to $10. \r\n\r\nYou acknowledge that we may amend this policy at any time by posting a revised version on our website. If we make a material change to this policy we will also send a notice to your registered email address.\r\n\r\n\r\nLast Update: October 20, 2021\r\n\r\n\u003c/p\u003e","version":"20211004_11:48:04","category":"esign_consent","documentId":975,"legalDocumentUuid":"b0ae79c7-ca65-4612-b6eb-f99d07f0395c","path":"/esign_consent?legal_document_id=975","referral":false,"issuingBankName":"Ridgewood Savings Bank","substitutionProps":{"mailingAddressOneLine":"P.O. Box 1503, San Carlos, CA 94070"}},"creditConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"\u003cp class=\"center h4\"\u003eCredit Report and Information Verification Consent\u003c/p\u003e\u003cp\u003e\r\n\r\n##### Credit Report\r\n\r\n* * *\r\n\r\nYou acknowledge that you have requested your rates for a loan from Ridgewood Savings Bank. For a period of up to 12 months following your initial request, you authorize Ridgewood Savings Bank, to obtain your consumer report and related information about you from one or more consumer reporting agencies. Ridgewood Savings Bank may use your consumer report for any legal purpose, including authenticating your identity, making decisions related to your loan, sending you invitations to apply or making follow-up loan offers, and servicing or collecting any loan that you receive.\r\n\r\nFor New York, Rhode Island and Vermont Residents: A consumer report may be obtained from a consumer-reporting agency in connection with your application. Upon your request (i) you will be informed whether or not consumer reports were obtained and (ii) if reports were obtained, you will be informed of the names and addresses of the credit reporting agencies that furnished the reports. A consumer report may also be requested or used in connection with any renewals or extensions, reviews or collection actions, or other legitimate purpose associated with any loan we may grant you.\r\n\r\n##### Identity Verification\r\n\r\n* * *\r\n\r\nTo 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. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you.\r\n\r\n##### Application Verification\r\n\r\n* * *\r\n\r\nYou authorize Ridgewood Savings Bank to verify any information in your online application through third party databases or by contacting third parties, including your college and any prior employers. Further, you acknowledge Ridgewood Savings Bank may also ask to see your driver’s license, your college transcripts or other identifying or supporting documents at any time.\r\n\r\nPlease note Ridgewood Savings Bank may terminate consideration of, or decline, your application at any time for any reason. If Ridgewood Savings Bank elects to do this, and you have not withdrawn your consent to electronic communication, Ridgewood Savings Bank will provide a notice to you in the Ridgewood Personal Loan website message box (a link on the website toolbar after you log-in), and by sending it to you at the email address you registered with on the Ridgewood Personal Loan website. In the event that electronic communication consent has been withdrawn, the notice will be mailed to the address provided in your application.\r\n\r\nLast Modified: February 16, 2023\r\n\u003c/p\u003e","version":"20230216_13:14:58","category":"credit_consent","documentId":2273,"legalDocumentUuid":"fb1fd76c-fdde-4ba1-8e1c-c5be49d46c53","path":"/credit_consent?legal_document_id=2273","referral":false,"issuingBankName":"Ridgewood Savings Bank"},"privacyPolicy":{"trackLegalConsentPath":"/legal_consents/track","documentText":"## Ridgewood Savings Bank Privacy Policy\r\n\r\nClick [here] (https://www.ridgewoodbank.com/home/disclosure/privacy) for Ridgewood Savings Bank's privacy notice. The privacy policy of our service provider Upstart is below. \r\n\r\n***\r\n## Upstart Privacy Policy\u003cp class=\"center h3\"\u003e\r\n\r\nClick [here] (https://www.upstart.com/privacy_policy) for Upstart Privacy Policy, our service provider for Ridgewood Savings Bank, and who also\r\nreceives your information. \u003c/p\u003e","version":"20251222_12:14:19","category":"privacy_policy","documentId":3999,"legalDocumentUuid":"b46aa1ce-7250-4e8a-9dd2-3d750cbfbf72","path":"/privacy_policy?legal_document_id=3999","referral":false,"issuingBankName":"Ridgewood Savings Bank"},"applicationTermsAndConditions":{"trackLegalConsentPath":"/legal_consents/track","documentText":"## Ridgewood Savings Bank Terms and Conditions\r\n\r\nThese Ridgewood Savings Bank Terms and Conditions (\"**Terms**\") are made and entered into between you and Ridgewood Savings Bank (\"**Ridgewood Savings Bank**\") and governs your use of the website operated by Upstart Network, Inc. (\"**Upstart**\") to (i) request loan offers and (ii) apply for and, if approved, obtain a loan from Ridgewood Savings Bank. All loans are installment loans made by Ridgewood Savings Bank, a state-chartered savings bank located in Ridgewood, New York at https://ridgewoodbank.upstart.com and any subdomains (the \"**Website**\").\r\n\r\n\u003cp\u003e\u003cb\u003e\u003cu\u003eThis is an important document. You must read it carefully and accept all of its terms and conditions before choosing to proceed. You should save/print a copy of these Terms for your records. By clicking \"I agree\" you are electronically agreeing to these Terms. NOTE, THESE TERMS CONTAIN AN AGREEMENT TO ARBITRATE ALL CLAIMS (see Section 13).\u003c/u\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n1.  **Loan Offers.** By submitting information on the Website, you are requesting loan offers from Ridgewood Savings Bank. Any loan offer request you submit is not an application for credit, rather it is a request to receive a conditional loan offer from Ridgewood Savings Bank. Loan offers are made to eligible individuals who satisfy Ridgewood Savings Bank's credit policy. You understand you must meet certain basic credit criteria established by Ridgewood Savings Bank in order to be eligible to receive a loan. Ridgewood Savings Bank does not guarantee that you will be presented with loan offers or that you will meet the approval criteria for any particular offer. In order to proceed with a loan offer you must submit a loan application to Ridgewood Savings Bank via the Website. It is always your choice whether to apply for a loan and Ridgewood Savings Bank will never submit an application on your behalf without your consent. Ridgewood Savings Bank may withdraw a loan offer, terminate consideration of any application you submit, or withdraw approval of your loan at any time in its sole discretion. If for any reason you do not qualify, or you later cease to qualify, for a loan offered to you, (if, for example, your credit score from any consumer reporting agency falls significantly or your debt to income ratio changes), Ridgewood Savings Bank may withdraw its approval of your loan.\r\n\r\n2.  **Credit Report.** You have authorized Ridgewood Savings Bank to obtain your credit report from one or more consumer reporting agencies. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after your information has been obtained. If you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the inaccuracy with the reporting agency. Please note, the reporting agency plays no part in any lending decision and, if you were declined, will be unable to supply specific reasons why you didn't receive a loan offer.\r\n\r\n3.  **Loan Application, Verification, and Loan Closing.**\r\n\r\n    1.  To receive a loan, you must select a loan offer and, after proceeding, submit a loan application through the Website. After you choose to proceed with loan offer, Upstart acts as the agent and provides services to Ridgewood Savings Bank, or its successors or assigns, in connection with your loan application, the loan origination, and the servicing of your loan on the Website. Upstart will verify any information you submit, including additional information you submit after choosing to proceed with your loan offer, by calling you, requiring you to produce appropriate documentation or other proof, and/or to conduct such verification through a third party. This includes all information you provided when you requested a loan offer, such as information about your education, employment and your annual income, among other things. You authorize Upstart to request and obtain data from a third party to verify any information that you provide in connection with your loan application. Your completed loan application must be approved by Ridgewood Savings Bank. After approval, you will be presented your final loan terms and related Truth-in-Lending disclosures, which you must accept, by digitally signing your promissory note (the \"**Note**\") within the time periods disclosed to you in the loan application flow.\r\n        \r\n        If your loan application is approved then, subject to clause (b), your loan, as evidenced by the Note will be submitted for origination by Ridgewood Savings Bank. Your loan will be on the terms set forth in the Note.\r\n        \r\n    2.  Ridgewood Savings Bank may withdraw its approval of your loan application at any time prior to origination: (i) in the event of any inaccuracy or omission in your loan application,; (ii) if you committed fraud or made a misrepresentation in connection with your application,; or (iii) any other disqualifying event occurs. Ridgewood Savings Bank may withdraw its approval of your loan even after you have signed your Note. In the event that your loan application is declined or withdrawn, Ridgewood Savings Bank will retain a record of your loan application for a period of at least 25 months in accordance with federal law.\r\n\r\n4.  **Loan Servicing.** If your loan application results in an originated loan, you acknowledge and agree that Upstart may serve as the loan servicer on behalf of Ridgewood Savings Bank and its successors and assigns. As loan servicer, Upstart will administer your loan, and may collect on your loan, on behalf of Ridgewood Savings Bank and any of its successors and assigns. If Upstart is servicing your loan, a copy of your Note(s) representing your loan(s) will be maintained in electronic form on the Website and made available to you for review on the Website, subject to site availability. You will also be able to manage your loan repayments via the Website.\r\n\r\n5.  **Other Products and Services.** Any products and services you use through the Website shall be governed by these Terms and any additional terms and conditions you agree to when signing up for a particular product or service. You agree to comply with such terms and conditions, which may be found on the Legal Agreements page after you log-in to the Website, and that such agreements are incorporated herein by reference.\r\n\r\n6.  **Representations, Warranties and Covenants.** You represent and warrant that (i) you are 18 years old, (ii) you are currently residing in the US; (iii) you are applying for a loan in good faith and with the intention to repay it when due; and (iv) all the information you provided in connection with your loan offer inquiry and any subsequent loan application to Ridgewood Savings Bank is true and accurate and you have not provided any false, misleading or deceptive statements or omissions of fact in your application. You acknowledge and agree that Ridgewood Savings Bank may rely, without independent verification, on the accuracy, authenticity and completeness of all information you provide. You certify that you will not use any loan proceeds to fund any illegal activity or that is prohibited by the [Acceptable Use Policy](https://www.upstart.com/acceptable_use_policy).\r\n\r\n7.  **Financial Account.** In connection with any loan application you make on the Website, you represent and warrant that you are the owner of the deposit account(s) that you designate for electronic transfers of funds and have authority to direct that loan payments be made from such account. You acknowledge your designated account(s) will be the account(s) into which loan proceeds will be deposited and from which monthly loan payments will be made.\r\n\r\n8.  **Termination.** Ridgewood Savings Bank may terminate these Terms and your access to the Website at any time (i) in the event of any breach of any of your representations, warranties and covenants in these Terms, or (ii) you otherwise fail to abide by the terms of these Terms. In such event, Ridgewood Savings Bank has all remedies authorized or permitted by these Terms and applicable law. Ridgewood Savings Bank may in its sole discretion, with or without cause and with or without notice, restrict your access to the Website.\r\n\r\n9.  **NO WARRANTIES.** THE WEBSITE AND THE PRODUCTS AND SERVICES PROVIDED IN CONNECTION THEREWITH ARE PROVIDED \"AS IS\" AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. UPSTART, EACH CREDITOR, AND EACH OF RIDGEWOOD SAVINGS BANK, UPSTART AND EACH OF OUR AND THEIR OFFICERS, TRUSTEES, DIRECTORS, AGENTS, EMPLOYEES AND SUPPLIERS, SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Ridgewood Savings Bank nor Upstart guarantees continuous, uninterrupted or secure access to the Website or any of the services provided on the Website, and the operation of the Website may be interfered with by numerous factors outside of Ridgewood Savings Bank's control. Ridgewood Savings Bank and Upstart, on behalf of Ridgewood Savings Bank, shall make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts are processed in a timely manner but it makes no representation or warranty regarding the amount of time needed because these services are dependent upon many factors outside of its control, such as delays in the banking system or the U.S. mail service. Ridgewood Savings Bank reserves the right to make changes to the products and services offered to future customers, including changes to the terms and conditions associated with these products and services.\r\n\r\n10. **LIMITATION ON LIABILITY.** IN NO EVENT WILL Ridgewood Savings Bank, UPSTART OR EACH OF OUR AND THEIR OFFICERS, TRUSTEES, DIRECTORS, AGENTS, EMPLOYEES OR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE WEBSITE OR THE SERVICES (HOWEVER ARISING, INCLUDING NEGLIGENCE). Some states do not allow the exclusion or limitation of incidental or consequential damages so the above limitation or exclusion may not apply to you. RIDGEWOOD SAVINGS BANK'S AND UPSTART'S LIABILITY, AND THE LIABILITY OF EACH OF RIDGEWOOD SAVINGS BANK'S OFFICERS, TRUSTEES, DIRECTORS, AGENTS, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES.\r\n\r\n11. \u003cp\u003e\u003cb\u003eCommunications.\u003c/b\u003e You confirm you have agreed to the \"\u003ca href=\"%%esign_consent_path%%\"\u003eElectronic Communications Policy\u003c/a\u003e,\" and Consent and you have agreed to receive electronically all communications, agreements, documents, notices and disclosures (collectively, \"\u003cb\u003eCommunications\u003c/b\u003e\") that are provided in connection with these Terms, your loan, and the servicing of your loan. \u003cu\u003eYou agree that Upstart (on its own behalf, or on behalf of Ridgewood Savings Bank or any successor creditor) and, if your loan application results in an originated loan, a collection agency engaged on behalf of Ridgewood Savings Bank or its successors or assigns, may contact you at any of the telephone numbers and email addresses you provide, subject to applicable law.\u003c/u\u003e\u003c/p\u003e\r\n\r\n12. \u003cp\u003e\u003cb\u003eNotices.\u003c/b\u003e You may contact Ridgewood Savings Bank by emailing \u003cu\u003eridgewoodbank.support@upstart.com\u003c/u\u003e, by calling (833) 568-7838 during the operating hours of 9:00 AM EST to 8:00 PM EST, each Monday through Friday that are business days, or by writing via regular mail to Ridgewood Savings Bank Operations, P.O. Box 1503 San Carlos, CA 94070. All Communications given to you by email to your registered email address, or posted on the Website will be deemed to have been duly given and effective upon transmission or when they were posted. You acknowledge that communications from Ridgewood Savings Bank may contain sensitive, confidential, and collections-related communications. If your information changes, such as your email address, your mailing address or your telephone number, you agree to notify Ridgewood Savings Bank promptly of the change by logging into the Website and updating this information in your account profile, or by contacting Ridgewood Savings Bank as described above.\u003c/p\u003e\r\n\r\n13. **Disputes; Arbitration.**  \r\n    \r\n    (A) Mandatory Arbitration of Disputes: The \"**Arbitration Contract**\" means the provisions of this Section 13. In the Arbitration Contract, a \"**Party**\" means you or Ridgewood Savings Bank and the \"**Parties** includes you and Ridgewood Savings Bank. Any Dispute must, at the election of either Party, be resolved by a neutral, binding arbitration and not by a court of law. A \"**Dispute**\" means any action, dispute, claim or controversy of any kind that is in any way related to: (i) the marketing, origination, servicing, collecting, or reporting of the loan; (ii) any part or all of these Terms, including the Arbitration Contract and the arbitrability of any issue, except that only an appropriate court is allowed, if necessary, to determine whether you waived any right to bring or participate in a class action under paragraph (E); or (iii) any other aspect of your past, present, or future relationship or conduct or use of the Website.\r\n    \r\n    (B) Facts About Arbitration: Arbitration is a process in which a neutral arbitrator decides a dispute, instead of a judge or jury. Arbitration proceedings are private and less formal than court trials. Each side has an opportunity to present some evidence to the arbitrator. A Party's ability to discover details may be limited. Other rights that the Parties might have in court may not be available in arbitration. An arbitrator issues an award. A court may then enforce the arbitrator's award like a court judgment. A court rarely overturns an arbitrator’s decision.\r\n    \r\n    (C) Rules: A Party must give every other Party written notice of any Dispute. Notice of a Dispute must be sent to you by first class mail at your address provided to the other Party. Notice of a Dispute must be sent to Ridgewood Savings Bank by first class mail at the most recent mailing address you maintain for Ridgewood Savings Bank in your business records. If a Party elects to have a Dispute resolved by arbitration, that Party's notice to the other Party must describe the nature and factual basis of the Dispute, the names and addresses of all other Parties, the amount involved, and the specific relief requested. The Party that responds to such a notice may answer and set forth any counterclaims. The arbitration will be conducted by one neutral and impartial arbitrator mutually agreed upon by the Parties. The arbitrator must be an attorney or a retired judge. If the Parties cannot agree on an arbitrator, the Parties agree that a court may appoint an arbitrator in accordance with the Federal Arbitration Act (9 U.S.C. §1 et seq.; the “**FAA**”). The arbitration must be conducted in the federal judicial district where Ridgewood Savings Bank is located at the time of the arbitration, unless the Parties agree to have the arbitration conducted in another location. The arbitrator may conduct all necessary preliminary proceedings, provide for the exchange of information and/or discovery, and set the time, date and place of any hearing, after reasonable notice to and consultation with the Parties. The award shall be issued without a written opinion no later than 30 days from the date any hearing is completed.\r\n    \r\n    (D) Standards and Law: The Parties agree that the Terms and the loan involve interstate commerce and that this Arbitration Contract is governed by the FAA. The arbitrator shall apply applicable substantive law, statutes of limitation, and honor claims of privilege that are recognized by law. Judgment based on any arbitrator's award may be entered by any court with competent jurisdiction.\r\n    \r\n    (E) Class Action Waiver: The Parties agree to give up: (i) any right they may have to bring a class action lawsuit or class arbitration, or to participate in a class action lawsuit or class arbitration as a claimant; (ii) any right to consolidate or join any arbitration proceeding with the arbitration of others; and (iii) any right to serve as a private attorney general. If a court of competent jurisdiction determines that this paragraph (E) is illegal, invalid, or unenforceable, the Parties agree that this Arbitration Contract shall be void in its entirety.\r\n    \r\n    (F) Jury Trial Waiver: If either Party chooses to have a Dispute resolved by arbitration, the Parties agree that there will be no right have that Dispute tried in any court and there will be no right to have a jury trial of that Dispute.\r\n    \r\n    (G) Fees and Costs: If Ridgewood Savings Banks files for arbitration first, it will pay the first $250 of the arbitrator’s fees and expenses and you will pay any additional fees or expenses of the arbitrator. You will pay all of the arbitrator's fees and expenses if you file arbitration first. The Parties shall be responsible for paying their own attorneys' fees in connection with any arbitration, unless otherwise allowed for under applicable substantive law and awarded by the arbitrator.\r\n    \r\n    (H) Survival of Arbitration Contract: This Arbitration Contract will survive and continue in full force and effect, notwithstanding any cancellation, termination, amendment, payment in full, discharge in bankruptcy, or other expiration or conclusion of these Terms, unless otherwise agreed in writing. In addition, you understand and agree that the rights and responsibilities afforded to you under this Arbitration Contract survive any assignment of these Terms by you and that you can enforce this Arbitration Contract in the event a Dispute arises after the assignment of the Agreement.\r\n    \r\n    (I) Severability: If it is determined that any paragraph or provision in this Arbitration Contract is illegal, invalid, or unenforceable, such illegality, invalidity or unenforceability shall not affect the other paragraphs and provisions of this Arbitration Contract. The remainder of this Arbitration Contract shall continue in full force and effect as if the severed paragraph or provision had not been included. Notwithstanding this severability provision, if a court of competent jurisdiction determines paragraph (E) to be illegal, invalid, or unenforceable, the Parties agree that such waiver shall not be severed and that this Arbitration Contract shall be void in its entirety.\r\n    \r\n    (J) Right to Reject Arbitration: If you do not want this Arbitration Contract to apply, you may reject it by mailing you a written notice to Ridgewood Savings Bank Operations, P.O. Box 1503, San Carlos, CA 94070, that identifies these Terms and states that you are rejecting the Arbitration Contract. A rejection notice is effective only if it is signed by you. Even if you reject this Arbitration Contract, paragraphs (E) and (F) of the Arbitration Contract shall remain valid and effective and will be incorporated into the Agreement. If you reject this Arbitration Contract, it will not affect any other provisions of the Terms or your obligations under the Agreement. If you do not properly reject this Arbitration Contract, it will be effective as of the date of you use the Website.\r\n    \r\n    THE PARTIES HAVE AGREED TO WAIVE THEIR RIGHT TO A TRIAL BY JURY AND THEIR RIGHT TO PARTICIPATE IN CLASS ACTIONS. THE TERMS OF THIS ARBITRATION CONTRACT AFFECT YOUR LEGAL RIGHTS. IF YOU DO NOT UNDERSTAND ANY TERMS OF THIS PROVISION, YOU WILL SEEK INDEPENDENT ADVICE BEFORE USING THE WEBSITE. BY SIGNING USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY EACH OF THE PROVISIONS, COVENANTS, STIPULATIONS AND CONTRACTS SET FORTH ABOVE.\r\n    \r\n14. **Amendments.** Ridgewood Savings Bank may amend these Terms and will provide you with at least 30 days written notice of any material changes.\r\n\r\n15. **Assignment.** You hereby agree that Ridgewood Savings Bank may, without notice to you, assign all of Ridgewood Savings Bank's rights, title and interest in these Terms to a third party. To the extent provided therein, any such assignment will release Ridgewood Savings Bank from all of Ridgewood Savings Bank's obligations and duties under these Terms and the assignee will be solely responsible for the performance of such obligations and duties. You may not assign, transfer, sublicense or otherwise delegate your rights or obligations under these Terms to another person without Ridgewood Savings Bank's prior written consent. Any such assignment, transfer, sublicense or delegation in violation of this Section 15 will be null and void.\r\n\r\n16. **Processing Errors.** You agree that Ridgewood Savings Bank and/or Upstart, on behalf of Ridgewood Savings Bank, and any of its successors or assigns, may promptly correct any transaction processing error that is discovered. If the error results in your receipt of less than the correct amount to which you are entitled, you will be credited the difference. If the error results in your receipt of more than the correct amount to which you are entitled, you agree that Ridgewood Savings Bank and/or Upstart, on behalf of Ridgewood Savings Bank, may debit the extra funds. You agree to promptly provide any additional consents necessary to correct any errors that occur.\r\n\r\n17. \u003cp\u003e\u003cb\u003eMiscellaneous.\u003c/b\u003e These Terms, along with the Ridgewood Savings Bank \u003ca href=\"%%privacy_policy_path%%\"\u003ePrivacy Policy\u003c/a\u003e, the \u003cu\u003eWebsite Terms of Use\u003c/u\u003e, and any other agreements you enter into with Ridgewood Savings Bank or Upstart on the Website in connection with your use of additional products or services, represent the entire agreement between you and Ridgewood Savings Bank regarding the subject matter of these Terms and supersede all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between Ridgewood Savings Bank with respect to your use of the Website. Upstart, including its successors and assigns, is a third-party beneficiary and is entitled to rely on the provisions of these Terms, including your representations, covenants and agreements herein. There are no third party beneficiaries to these Terms other than Upstart. You acknowledge and agree that Upstart and Ridgewood Savings Bank are separate legal entities and neither has guaranteed the performance of the respective obligations of any other entity than itself. Any waiver of a breach of a provision of these Terms will not be a waiver of any other subsequent breach. Failure or delay by either party to enforce any term or condition of these Terms will not constitute a waiver of such term or condition. If at any time after the date of these Terms, any of the provisions of these Terms is held by any court of competent jurisdiction to be illegal, void or unenforceable, such provision will be of no force and effect, but the illegality and unenforceability of such provision will have no effect upon and will not impair the enforceability of any other provisions of these Terms. The headings in these Terms are for reference purposes only and will not affect the interpretation of these Terms in any way.\u003c/p\u003e\r\n\r\nLast Updated: September 21, 2022\r\n","version":"20240311_08:03:03","category":"application_terms_and_conditions","documentId":3012,"legalDocumentUuid":"537b16df-9d09-44c3-bb5b-6bfd89a9bbf5","path":"/application_terms_and_conditions?legal_document_id=3012","referral":false,"issuingBankName":"Ridgewood Savings Bank","substitutionVariables":{"creditConsentPath":"/credit_consent","esignConsentPath":"/esign_consent","privacyPolicyPath":"/privacy_policy"},"substitutionProps":{"creditConsentPath":"/credit_consent?legal_document_id=2273","esignConsentPath":"/esign_consent?legal_document_id=975","privacyPolicyPath":"/privacy_policy?legal_document_id=3999"}},"privacyDisclosure":{"trackLegalConsentPath":"/legal_consents/track","documentText":"","version":"20180401","category":"privacy_disclosure","documentId":563,"legalDocumentUuid":"0e271eb4-651d-4a33-a5ca-4a41009692d0","path":"/privacy_disclosure_pdf?legal_document_id=563","referral":false,"issuingBankName":"Ridgewood Savings Bank"},"externalPrivacyPolicy":{"trackLegalConsentPath":"/legal_consents/track","documentText":"","version":"20220509_12:47:20","category":"external_privacy_policy","documentId":1326,"legalDocumentUuid":"745d179f-4e48-40fc-9738-c1fdf065f9b1","path":"/external_privacy_policy?legal_document_id=1326","referral":false,"issuingBankName":"Ridgewood Savings Bank"},"smsConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"I authorize Ridgewood Savings Bank to send me account notifications via text message to the number I provided in this application","version":"ridgewoodbank_20191216","category":"sms_consent","documentId":379,"legalDocumentUuid":"99c14a18-a0d5-4589-ac5d-6024f728d144","path":"/legal_consents?legal_document_id=379","referral":false,"issuingBankName":"Ridgewood Savings Bank"},"regBIncomeDisclosure":{"trackLegalConsentPath":"/legal_consents/track","documentText":"Alimony, child support, or separate maintenance income need not be disclosed if you do not  wish to have it considered as a basis for repaying this obligation.\n","version":"20191001","category":"reg_b_income_disclosure","documentId":417,"legalDocumentUuid":"ef6d12c5-4cee-4be3-9b82-ac423905b5b2","path":"/legal_consents?legal_document_id=417","referral":false,"issuingBankName":"Ridgewood Savings Bank"}}},"legalLightBoxParams":{"legalDocuments":{"esignConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"\u003cp class=\"center h4\"\u003e Electronic Communications Policy and Consent\u003c/p\u003e\r\n\r\nIn connection with your loan inquiry and any loan transaction, you are entitled by law to receive certain information on paper.  By providing this consent, you agree to receive them electronically instead.  You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, \"**Communications**\") that we, Upstart Network, Inc. (“**Upstart**”) and/or Ridgewood Savings Bank including our affiliates and subsidiaries or our agents, successors and assigns, or service providers, provide in connection with any loan inquiry, loan offer, loan, or any other products or service you receive  from Ridgewood Savings Bank on Ridgewood Savings Bank’s website and/or on www.upstart.com or any of its subdomains, and the servicing of any loan you receive from Ridgewood Savings Bank your consent gives permission to communicate with you electronically in regard to any activity related to the Ridgewood Savings Bank product and services accessed through the website(s), and is not specific to any loan, inquiry, product, service, or transaction.\r\n\r\nCommunications include, as applicable:\r\n- Any information provided to you about any loan inquiry or loan offers, including your interest rate, finance charges and APR, and the final terms of your loan;\r\n- Any information provided to you about  any product, service, or transaction you receive;\r\n- Any terms and conditions and policies you agree to, including updates to these agreements or policies, and other authorizations you provide;\r\n- Any documents or disclosures provided to you, including payment receipts, notices of default, and federal and state tax statements; and\r\n- Any other information relating to your relationship to Upstart and Ridgewood Savings Bank.  \r\n\r\n\u003cp\u003eWe will provide these Communications to you by posting them on the \u003ca href=\"https://www.ridgewoodbank.upstart.com/\"\u003eRidgewood Bank\u003c/a\u003e website after you log-in, and/or by emailing them to you at your registered email address.  \u003cu\u003e\u2028\u2028It is your responsibility to keep your registered email address up to date so that we can communicate with you electronically.\u003c/u\u003e  You have the right to request paper copies of any communication.  Paper copies can be requested by calling (833) 568-7838 during our operating hours 9:00 AM EST to 5:00 PM EST, each Monday through Friday that are Business Days.\r\n\r\nIn order to access and retain electronic Communications, you will need: a computer with an Internet connection; a current web browser that includes 128-bit encryption and with cookies enabled (e.g. Microsoft Edge version 9.0 and above, Firefox version 87.0 and above, Chrome version 89.0 and above, or Safari 13.0 and above); a valid email address; and sufficient storage space to save past Communications or an installed printer to print them.  You confirm that you have access to the necessary equipment and software to receive and save/print our Communications to you.\r\n\r\nYou have the right to withdraw consent and may withdraw your consent to receive Communications electronically or update information needed to contact you electronically by emailing us at ridgewoodbank.support@upstart.com; by calling us at (833) 568-7838 during our operating hours 9:00 AM EST to 5:00 PM EST, each Monday through Friday that are Business Days; or by writing to us via regular mail at Ridgewood Savings Bank Operations, P.O. Box 1503, San Carlos, CA 94070.  If you withdraw your consent prior to completing your application, you will not be able to complete the application process and therefore will not be issued a loan. If you withdraw your consent to receive Communications electronically, we reserve the right to charge you additional fees for paper copies - up to $10. \r\n\r\nYou acknowledge that we may amend this policy at any time by posting a revised version on our website. If we make a material change to this policy we will also send a notice to your registered email address.\r\n\r\n\r\nLast Update: October 20, 2021\r\n\r\n\u003c/p\u003e","version":"20211004_11:48:04","category":"esign_consent","documentId":975,"legalDocumentUuid":"b0ae79c7-ca65-4612-b6eb-f99d07f0395c","path":"/esign_consent?legal_document_id=975","referral":false,"issuingBankName":"Ridgewood Savings Bank","substitutionProps":{"mailingAddressOneLine":"P.O. Box 1503, San Carlos, CA 94070"}},"creditConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"\u003cp class=\"center h4\"\u003eCredit Report and Information Verification Consent\u003c/p\u003e\u003cp\u003e\r\n\r\n##### Credit Report\r\n\r\n* * *\r\n\r\nYou acknowledge that you have requested your rates for a loan from Ridgewood Savings Bank. For a period of up to 12 months following your initial request, you authorize Ridgewood Savings Bank, to obtain your consumer report and related information about you from one or more consumer reporting agencies. Ridgewood Savings Bank may use your consumer report for any legal purpose, including authenticating your identity, making decisions related to your loan, sending you invitations to apply or making follow-up loan offers, and servicing or collecting any loan that you receive.\r\n\r\nFor New York, Rhode Island and Vermont Residents: A consumer report may be obtained from a consumer-reporting agency in connection with your application. Upon your request (i) you will be informed whether or not consumer reports were obtained and (ii) if reports were obtained, you will be informed of the names and addresses of the credit reporting agencies that furnished the reports. A consumer report may also be requested or used in connection with any renewals or extensions, reviews or collection actions, or other legitimate purpose associated with any loan we may grant you.\r\n\r\n##### Identity Verification\r\n\r\n* * *\r\n\r\nTo 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. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you.\r\n\r\n##### Application Verification\r\n\r\n* * *\r\n\r\nYou authorize Ridgewood Savings Bank to verify any information in your online application through third party databases or by contacting third parties, including your college and any prior employers. Further, you acknowledge Ridgewood Savings Bank may also ask to see your driver’s license, your college transcripts or other identifying or supporting documents at any time.\r\n\r\nPlease note Ridgewood Savings Bank may terminate consideration of, or decline, your application at any time for any reason. If Ridgewood Savings Bank elects to do this, and you have not withdrawn your consent to electronic communication, Ridgewood Savings Bank will provide a notice to you in the Ridgewood Personal Loan website message box (a link on the website toolbar after you log-in), and by sending it to you at the email address you registered with on the Ridgewood Personal Loan website. In the event that electronic communication consent has been withdrawn, the notice will be mailed to the address provided in your application.\r\n\r\nLast Modified: February 16, 2023\r\n\u003c/p\u003e","version":"20230216_13:14:58","category":"credit_consent","documentId":2273,"legalDocumentUuid":"fb1fd76c-fdde-4ba1-8e1c-c5be49d46c53","path":"/credit_consent?legal_document_id=2273","referral":false,"issuingBankName":"Ridgewood Savings Bank"},"privacyPolicy":{"trackLegalConsentPath":"/legal_consents/track","documentText":"## Ridgewood Savings Bank Privacy Policy\r\n\r\nClick [here] (https://www.ridgewoodbank.com/home/disclosure/privacy) for Ridgewood Savings Bank's privacy notice. The privacy policy of our service provider Upstart is below. \r\n\r\n***\r\n## Upstart Privacy Policy\u003cp class=\"center h3\"\u003e\r\n\r\nClick [here] (https://www.upstart.com/privacy_policy) for Upstart Privacy Policy, our service provider for Ridgewood Savings Bank, and who also\r\nreceives your information. \u003c/p\u003e","version":"20251222_12:14:19","category":"privacy_policy","documentId":3999,"legalDocumentUuid":"b46aa1ce-7250-4e8a-9dd2-3d750cbfbf72","path":"/privacy_policy?legal_document_id=3999","referral":false,"issuingBankName":"Ridgewood Savings Bank"}}},"issuingBank":{"name":"Ridgewood Savings Bank","slug":"ridgewoodbank","bankLogo":"https://lending-partner-theme.aws.upstart.com/production/primary_logos/ridgewoodbank-1661272140.png"},"currentDate":"2026-06-08","complexIncomeDocWarningEnabled":false,"inDevelopmentEnvironment":false,"fffastEnabled":false,"autoSecuredPersonalLoanIneligibleStates":["Armed Forces Africa/Canada/Europe/Middle East","Armed Forces Americas","Armed Forces Pacific","Colorado","Connecticut","District of Columbia","Iowa","Maine","Maryland","Nevada","New York","Vermont","West Virginia","American Samoa","Guam","Northern Mariana Islands","Puerto Rico","U.S. Virgin Islands","Nevada","Connecticut","Colorado","Iowa","Maine","Maryland","Northern Mariana Islands","Puerto Rico","U.S. Virgin Islands","District of Columbia","American Samoa","Guam","New York","Vermont","West Virginia"],"experiments":{"defaultSmsOptInEnabled":false,"turndownPlaidAssetsEnabled":true,"reviewRedesignExperiment":false,"incomeStepOptimizationEnabled":false,"helocQuestionAndConsentEnabled":false,"autoSecuredPersonalLoanFundingFormQuestionEnabled":false,"inUofOtherTreatment":false,"fundingFormLoanAmountDisclaimer":null,"skipNameStep":false,"eligibleForPrefill":false,"nonAffiliateConsentEnabled":false,"incomeModalIaEnabled":true,"removeSSNBeforeGR":false,"inAddressVerification":false,"inProgressTracker":false,"inAdvancedPhoneValidation":false,"inPartnerApiTrafficFFStepsTreatment":false,"inNoCreditImpactTreatment":false,"fastTrackVariant":"control","mintRedesignVariant":"control","progressBarImprovementVariant":"control","inLoginRedirect":false,"neuroIdEnabled":true,"inSweepstakes":false},"maxedOutStatesProp":[],"helpCenterLink":"https://upstarthelp.upstart.com/en_US/borrower-verification/soft-vs-hard-credit-inquiries-what-you-need-to-know","isEmailCaptureFlow":true,"deviceFingerprintEnabled":true,"maxedOutStatesUrl":"/funding_form/get_maxed_out_states_for_pl","hideExperimentForm":false,"chatbotExperimentEnabled":false,"submitPath":"/create_from_upstart_basic_signup","pqs_lead_uuid":null,"affiliateDataSharingOptIn":true,"helocMinLoanAmount":10000,"helocCrossSellStates":["Alabama","Alaska","Arizona","Arkansas","California","Colorado","Connecticut","Delaware","District of Columbia","Florida","Georgia","Idaho","Illinois","Indiana","Iowa","Kansas","Kentucky","Louisiana","Maine","Michigan","Mississippi","Montana","Nebraska","New Hampshire","New Jersey","New Mexico","North Carolina","North Dakota","Ohio","Oklahoma","Oregon","Pennsylvania","South Carolina","South Dakota","Tennessee","Utah","Virginia","Washington","West Virginia","Wisconsin","Wyoming"],"loanType":"initial","webClientUuid":"a46e1120-458a-013f-ed05-0a18326cdfec","signupPrefiller":{},"inSweepstakes":false}