GCMI E-Disclosure Statement

Last updated: August 29, 2024

Welcome to the Greater Cincinnati Microenterprise Initiative (GCMI). As part of our digital onboarding process, we require your consent to use electronic records and signatures for all interactions and transactions. This E-Disclosure Statement explains your rights, responsibilities, and options under the Electronic Signatures in Global and National Commerce Act (E-Sign Act) and applicable state laws. By proceeding with the onboarding process, you agree to the following terms.

1. Use of Electronic Records and Signatures

By consenting to this statement:

• You agree to receive, review, and sign all records and documents electronically, including but not limited to applications, agreements, disclosures, and notices.
• Your electronic signature is legally binding, as permitted under the E-Sign Act.
• You consent to receive all future communications and records in electronic form, unless you withdraw your consent (as described below).

2. Consumer Rights

You have the right to:

• Receive paper copies: At any time, you may request a paper copy of any electronic record by contacting us (see Section 6 for details). A nominal fee may apply for this service.
• Withdraw consent: You may withdraw your consent to use electronic records and signatures at any time. This withdrawal will not affect the validity of any previous transactions conducted electronically.

3. Requirements for Access and Retention

To ensure that you can fully participate in the digital onboarding process, you must have:

• A device with internet access and a compatible browser (for example Chrome, Firefox, or Safari).
• A valid email account to receive notifications and documents.
• Software capable of opening PDF documents, such as Adobe Acrobat Reader.
• The ability to print or save electronic records for future reference.

By continuing, you confirm that you meet these requirements.

4. Scope of Consent

Your consent applies to all records, communications, and transactions associated with your relationship with GCMI, including:

• Onboarding documents, agreements, and applications.
• Disclosures required by law, such as privacy notices and consent forms.
• Updates, amendments, or notifications provided electronically.

5. Exceptions to Electronic Processes

Certain documents, such as wills, family law documents, and others as specified by state or federal law, may not be eligible for electronic signatures. GCMI will notify you if a specific document requires a physical signature or paper processing.

6. How to Withdraw Consent or Request Paper Copies

To withdraw consent or request a paper copy of any electronic record, contact us:

If you choose to withdraw consent, GCMI will provide alternative methods for completing your transactions. Please note that certain delays may occur due to paper-based processing.

7. Acknowledgment of Consent and Proceeding with Onboarding

By clicking “Agree” or “Continue,” or by signing electronically, you confirm the following:

• You have read and understood this E-Disclosure Statement.
• You consent to the use of electronic records and signatures for all transactions with GCMI.
• You have the necessary hardware and software to access, view, and retain electronic records.
• You are aware of your right to withdraw consent or request paper copies.

If you do not agree to these terms, please stop the onboarding process and contact GCMI to arrange for alternative methods of communication.

Contact Information for Assistance

If you have any questions about this E-Disclosure Statement or your rights, please contact us: