E-Sign & Electronic Communications Notice

Peanut Card Program

Last updated: June 9, 2026

Your Consent to Electronic Delivery

You are applying for the Peanut Card. If you consent to this E-Sign & Electronic Communications Notice ("Notice"), it applies even if you do not obtain access to (or are not approved for) the Peanut Card.

Your affirmative consent to this Notice ("Your Consent") permits us to provide you with Communications electronically, enables you to sign and authorize Communications electronically through the Peanut application and related interfaces (the "Platform"), and allows us and our service providers to collect such electronic signatures and authorizations. If you do not consent to electronic delivery of Communications, you will not be able to use the Platform or access the Peanut Card. By using the Platform, registering for a Peanut account, or accessing the Peanut Card, you agree that such actions constitute Your Consent to us providing notices to you, including those required by law. You understand that Your Consent has the same legal effect as a physical signature.

You have the right to receive legal disclosures, notices, and communications (together, the "Covered Items") in paper form by mail, including, without limitation, servicing and collection Communications on your account, and legal disclosures, notices, and communications that we are required to provide in writing regarding your account. We may instead provide these Covered Items to you electronically if you: (1) give us Your Consent to do so, and (2) satisfy the System Requirements (as defined below).

In this Notice:

  • "Communications" means all disclosures, notices, agreements, amendments, statements, correspondence, and other information or documents that we are required or choose to provide to you in connection with the Peanut Card, whether required by law or otherwise, including without limitation account opening disclosures, periodic statements, privacy notices, fee disclosures, and any other records relating to the servicing, collection, or administration of your account;
  • "Peanut," "we," "us," and "our" refer to Squirrel Labs Ltd. (operating as Peanut) and our service providers, including the issuer of your card and its affiliates, successors, and assigns; and
  • "Peanut Card" means the Peanut card program and related services we make available to you, including any associated accounts.

Duration of Consent

Your Consent will remain effective until:

  1. you or we have terminated your access to the Peanut Card you are applying for; or
  2. you opt out of electronic communications.

If you terminate the Peanut Card, your Consent will still continue with respect to our pre-termination rights (including rights created by Your Consent to this Notice). See your applicable user agreement for information on how to terminate the Peanut Card.

Methods of Providing Covered Items

In this document, "provide" means to deliver, give, make available, send, notify of, present, or similar terms. We may provide the Covered Items electronically through files, including those in PDF format, downloaded from our website or made available through the Platform. It is your responsibility to review the Covered Items promptly, so you can take appropriate action.

Access to Paper Copies

You may make copies of the Covered Items by using the "print" or "save" functionality of the application in which you are viewing the Covered Items (e.g., web browser, Adobe Reader software). We retain copies of the Covered Items for the time periods required by law and will provide you with copies upon request within those time periods. We do not necessarily retain copies for longer than is required by law. Save or print copies of Covered Items to ensure you have them when needed.

You may request a paper copy at no cost of any Covered Item by emailing us at support@peanut.me.

Updating Your Contact Information

You agree to keep your electronic contact information current so that we can communicate with you electronically. If your email address or other electronic contact information changes, you must promptly update it by emailing us at support@peanut.me. If we send a Communication to the email address or other electronic contact information you have provided and it is returned as undeliverable, you may not receive future Communications until you update your contact information. We are not responsible for any Communications you fail to receive because your contact information is outdated or inaccurate.

Our Right to Send Paper

We reserve the right to provide the Covered Items in paper form at all times at our discretion, even if you have given us Consent to provide them electronically. For example, but without limitation, we may do this if we have a system outage or if we suspect fraud.

Hardware and Software Requirements

To access and retain the Covered Items, you must have a computing or communications device with all of the following (the "System Requirements"):

  • working Internet access;
  • a web browser that supports 128-bit encryption (we support the latest version of Chrome, Firefox, Microsoft Edge, or Safari);
  • 16 MB of available memory (32 MB of available memory recommended); and
  • a program that can view, save, and print PDF files (such as Adobe Reader 4.0 or higher).

By providing us your Consent, you confirm you meet the System Requirements.

If we change the hardware or software requirements needed to access or retain Covered Items in a way that creates a material risk you will be unable to access or retain subsequent electronic Communications, we will notify you of the revised requirements and your right to withdraw Your Consent at no cost. We will not send you further electronic Communications subject to the revised requirements until you have provided a new affirmative consent.

Withdrawing Your Consent

You are free to withdraw Your Consent at any time and at no charge to you. If you withdraw Your Consent ("Your Withdrawal") before you obtain access to or are approved for the Peanut Card, Your Withdrawal will prevent you from receiving any of the benefits of the Peanut Card. If, at any time, you wish to withdraw Your Consent, you may do so by emailing us at support@peanut.me. Your Withdrawal will be deemed received and effective when we receive your email stating that you wish to withdraw Your Consent. Your Withdrawal will have no effect on the validity or enforceability of any prior electronic Communications.

Acknowledging Your Ability to Access and Consenting to Receive Electronic Communications

By providing Your Consent:

  1. you confirm that you have read and agreed to the terms of this Notice;
  2. you confirm that you have access to hardware and software that meets the System Requirements;
  3. you agree to receive Covered Items electronically; and
  4. you confirm that you are able to access, print, or store Covered Items provided to you.