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Electronic Signatures and Electronic Communications Consent
Electronic Signatures and Electronic Communications Consent
Last Updated: January 22, 2026
This Electronic Signatures and Electronic Communications Consent ("E-Sign Consent") applies to you and, if applicable, the business entity you represent (collectively, "you"), and governs your use of electronic records, electronic signatures, and electronic communications in connection with the websites, applications, products, and services provided by Xoan Technology Inc. and Xoan Capital LLC and their affiliates (collectively, "Xoan," "we," "us," or "our").
This E-Sign Consent is entered into pursuant to the U.S. Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.) ("E-SIGN") and applicable state laws.
By accessing or using the Xoan Services, signing electronically, clicking to accept, or otherwise indicating assent, you consent to the use of electronic records, electronic signatures, and electronic communications as described below.
Scope of Consent
You consent to Xoan providing, and you receiving, all agreements, disclosures, notices, statements, policies, tax documents, amendments, communications, and other information related to your relationship with Xoan and your use of the Xoan Services (collectively, "Records") in electronic form.
This includes, without limitation:
Terms of Service and amendments
Privacy Policy and updates
Lending, financing, and repayment disclosures
Account agreements, authorizations, and acknowledgments
Transaction confirmations, statements, and notices
Regulatory disclosures and legally required notices
Communications related to customer support, compliance, fraud prevention, and account activity
Electronic Signatures
You agree that any electronic signature, assent, acknowledgment, acceptance, or agreement you provide through the Xoan Services, including by clicking an acceptance box, typing your name, using a digital signature, or similar method, constitutes your legal signature and has the same legal effect as a handwritten signature.
Electronic signatures may be used to execute any Records, including binding contracts, applications, authorizations, and consents.
Method of Electronic Delivery
Records may be provided electronically through one or more of the following methods:
Posting within the Xoan platform or dashboard
Email to the address associated with your Account
In-app notifications
Hyperlinks directing you to Records
You agree that Records are considered received when made available through any of the above methods.
Hardware and Software Requirements
To access and retain electronic Records, you must have:
A device capable of accessing the internet
A current version of a web browser
An active email address
Sufficient storage capacity or access to a printer to retain Records
You are responsible for maintaining the required hardware and software. Xoan is not responsible for any inability to access Records due to equipment, software, or connectivity issues.
Paper Copies
You may request a paper copy of a Record by contacting Xoan at support@xoancapital.com. Xoan may charge a reasonable fee where permitted by law.
Xoan may, but is not required to, provide paper copies of Records.
Withdrawal of Consent
You may withdraw your consent to receive electronic Records at any time by providing written notice to Xoan. However, withdrawal of consent:
Will not apply retroactively to Records previously provided electronically
May result in suspension or termination of your access to the Xoan Services
Does not relieve you of any obligations incurred prior to withdrawal
Certain Records may still be provided electronically where required or permitted by law.
Updating Contact Information
You are responsible for keeping your email address and contact information current. Failure to maintain accurate contact information may result in missed communications for which Xoan is not responsible.
Relationship to Other Agreements
This E-Sign Consent is incorporated by reference into, and forms part of, Xoan’s Terms of Service and Privacy Policy.
In the event of a conflict between this E-Sign Consent and the Terms of Service, the Terms of Service control.
Governing Law
This E-Sign Consent is governed by the laws specified in the Terms of Service, without regard to conflict of laws principles.
Acknowledgment
By using the Xoan Services, you acknowledge that:
You can access and retain electronic Records
You consent to electronic delivery and electronic signatures
You have read and understand this E-Sign Consent
You agree to be bound by its terms
If you do not consent, do not use the Xoan Services.