Legal Notices

  • Jetty Rent

    ESIGN Consent to Use Electronic Records and Signatures for Jetty Rent Loans

    You have indicated that you wish to receive and sign the documents relating to your transaction with us electronically regarding the Jetty Rent Loan product. We are required by law to give you certain information “in writing” – which means that you are entitled to receive it on paper. We need your consent to provide you with this information electronically, instead. We also need your general consent to use electronic records and signatures in our relationship with you.

    In this Consent, the words “we,” “us,” and “our” means Cross River Bank, an FDIC-insured New Jersey state-chartered bank, Jetty National Credit, Inc., or any agents, affiliates, representatives, successors and assigns, and third-party service providers. The words “you” and “your” means the person giving consent. “Communications” means each application, agreement, disclosure, notice, statement, privacy policy, record, document and other information we provide to you, or that you sign or submit or agree to at our request.

    Your Consent

    You agree that any of the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form. We may also use electronic signatures and obtain them from you on any Communication.

    All Communications that we deliver to you in electronic form will be delivered either (1) by email, (2) by access to a website designated in an email notice from us, (3) through any mobile application we may make available, (4) to the extent permitted by law, by access to a website generally designated in advance for such purpose, or (5) in the manner specified in any other agreement we or our affiliates have with you. To access your online account, go to www.jetty.com and log in to your account with the e-mail address and password you provided when you created or updated your account. Communications will be accessible through your online account.

    We may always, in our sole discretion, provide you with any Communications on paper, even if you have authorized electronic delivery. Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we tell you how to deliver the notice to us electronically.

    How to Withdraw Consent

    You can withdraw your consent to receive Communications electronically at any time by contacting us at 1-855-695-3889 or by email at help@jetty.com with the following subject line: WITHDRAW ELECTRONIC CONSENT. A withdrawal of your consent to receive electronic Communications will be effective only after we have had a reasonable period of time to process your withdrawal. If you withdraw your consent, we may be unable to provide you with the Jetty Rent loan product and may terminate your access to the Jetty Rent loan product. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.  Before you withdraw your consent to electronic transactions, including receiving Communications electronically, please be aware that you can easily download, print, or email any Communications from the Jetty “My Account” website at www.jetty.com.

    How to Update your Contact Information

    It is your responsibility to provide us with an accurate and complete e-mail address and other contact information, and to maintain and update promptly any changes in this information. You can update your contact information at any time by email at help@rent.jetty.com, or by calling 1-855-695-3889, or log in to your account at www.jetty.com. 

    Hardware and Software Requirements

    To receive electronic Communications, you must have access to:

    • A Current Version (defined below) of Internet Explorer, Edge, Chrome, Safari, or Firefox;
    • A connection to the internet;
    • A Current Version of a program that accurately reads and displays PDF files; and
    • A device (e.g., a computer, tablet, mobile phone, etc.) and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

    You must also have an active email address and a cellphone number for SMS messaging.

    By “Current Version,” we mean a version of the software that is currently being supported by its publisher. 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 with our services.

    If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain electronic Communications, we will give you notice of the revised hardware or software requirements. Continuing to use this service after receiving notice of the change is reaffirmation of your consent.

    Requesting Paper Copies

    We will not send you a paper copy of electronic Communications unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of any Communication we provide to you electronically by printing it yourself or by requesting that we mail you a paper copy. Request for paper copies must be made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us at help@jetty.com. We may charge you a reasonable service charge for the delivery of paper copies of any Communication provided to you electronically pursuant to your authorization.

    Retain Copies

    We encourage you to print or download for your records a copy of all electronic Communications, as well as this consent disclosure and any other document that is important to you. To print any of your documents from your online account, click the “print” button located on the page or in your browser frame. To download and save any of your documents to your computer, open the document by clicking on its hyperlink or icon and follow Adobe Reader's directions for downloading and saving documents.

    Termination/Changes

    We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

    By selecting “I have read & agree to the Terms of Service, Privacy Policy, and the Legal Notices, which contains the ESIGN Consent to Use Electronic Records and Signatures,” you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account, and the ability to access and view PDF files. You are also confirming that you are authorized to, and do, consent on behalf of all your co-applicants and/or co-owners of any product or service we provide to you.

     

     

    Notice Regarding Specific Use of Credit and Consumer Information in Jetty Rent

     

    Because Jetty Rent is a loan product, your financial profile and creditworthiness is a factor in determining your eligibility and price.  Jetty does a soft credit check as a service provider for Cross River Bank during the application process to determine your eligibility for the product, and this soft pull will not affect your credit score.  After your loan application is approved and you are enrolled in Jetty Rent, Jetty will perform a hard inquiry as service provider for Cross River Bank which may affect your credit score.  You authorize Jetty to obtain consumer reports about you in this manner.

    In connection with your enrollment and participation in the Jetty Rent loan product, Jetty may report information about your payment history and loan account to credit bureaus.  Late payments, missed payments, or other defaults on your account may be reflected in your credit report.  Under the Fair Credit Reporting Act, you may have the right to receive a copy of your credit report. Each of the nationwide credit reporting companies – Equifax, Experian, and TransUnion – is required to provide you with a free copy of your credit report, at your request, once every twelve months. 

    Jetty generally uses TransUnion as its credit reporting agency. If you obtain a copy of your credit report from TransUnion, and you believe that report is inaccurate, you may contact Transunion to dispute items on the report at:

    TransUnion Consumer Relations
    2 Baldwin Place
    P. O. Box 1000
    Chester, PA 19016

    1-800-888-4213

    TransUnion cannot comment on your Jetty Rent application, however.

    Under federal law, you are also entitled to a free report if any company takes an adverse actions against you (e.g., denying your application for credit) and you ask for your report within 60 days of receiving notice of the action. If any adverse action, as defined by the Fair Credit Reporting Act, is based, at least in part, on information contained in a consumer report, the user of the report must notify you. You may receive such notification in writing, orally, or by electronic means. The notification will include: 

    • The name, address, and telephone number of the consumer reporting agency (including a toll-free number) that provided the report;
    • A statement that the consumer reporting agency did not make the adverse decision and is not able to explain why the decision was made; and
    • A statement setting forth the consumer’s right to obtain a free disclosure of the consumer’s file from the consumer reporting agency if the consumer makes a request.

    Consent to Receive calls (including SMS text messages) from Jetty Rent® in regard to my account (for applicants for Jetty Rent products only) under the Telephone Consumer Protection Act


    You expressly consent and agree to receive communications (including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system) from Cross River Bank, its affiliates, successors and assigns, and third-party service providers acting on their behalf, such as Jetty National Credit, Inc., (together, “we” or “us”) regarding Jetty Rent, at any telephone number that you provide to us, now and in the future, including cellular telephone numbers. You agree to notify us if any telephone number associated with your Jetty Rent account changes or is reassigned to a new subscriber. You certify that you are authorized to provide this consent because you are either the subscriber of the telephone number you provide or a non-subscriber customary user with authority to provide this consent. Standard communication rates, fees, and charges from your telephone service provider may apply. You agree that we may monitor and record any communications between you and us for quality assurance and other permitted business purposes. You understand and agree that we may always communicate with you in any manner allowed by law that does not require your consent. You understand text messages we send and text messages you send to us may be seen by anyone with access to your cell phone. To stop text messages, you can also simply reply “STOP” to any text message we may send you.
     
    Insurance Notices - Jetty Renters Insurance, Jetty Deposit, and Jetty Lease Guaranty
    Insurance Licensing and Carrier Information; Producer Compensation Disclosure

    Licensing Information

    People who sell, solicit or negotiate insurance transactions are generally required to be licensed by every state in which they operate and are known as insurance producers. The list below summarizes our licensure status on a state-by-state basis.

    All solicitations to apply for insurance and applications for insurance are made through Jetty Insurance Agency LLC via Luke Cohler, its Manager and Designated Responsible Licensed Producer, whose licensure status is also summarized below.

    This website is not a solicitation to sell insurance in any jurisdiction in which we are not licensed.

    • Alabama
      • Agent: Property, Casualty, Personal Lines Producer, 0757515
      • Business Entity: P&C Producer, 0791760
    • Alaska
      • Agent: 0757515
      • Business Entity, P&C Producer, 0791760
    • Arizona
      • Agent: Property and Casualty (“P&C”) Producer, 1145633
      • Business Entity: Insurance Producer, 3000092201
    • Arkansas
      • Agent: Property and Casualty (“P&C”) Producer, 17884540
      • Business Entity: Insurance Producer, 3000110164
    • California
      • Agent: Property and Casualty (“P&C”) Producer, 0K94226
      • Business Entity: P&C Producer, 0L38063
    • Colorado
      • Agent: Non-Resident Producer, 506771
      • Business Entity: Non-Resident Producer, 535338
    • Connecticut
      • Agent, P&C Producer, 2522650
      • Business Entity: P&C Producer, 2561620
    • Delaware
      • Agent: Producer, 1406412
      • Business Entity: 3000134497
    • District of Columbia
      • Agent: Producer, 3091811
      • Business Entity: 3000092219
    • Florida
      • Agent: P&C Agent, W323779
      • Business Entity: P&C Producer, L098594
    • Georgia
      • Agent: P&C Agent, 3076919
      • Business Entity: P&C Producer, 192253
    • Idaho
      • Agent: Non Resident Producer, 571022
      • Business Entity: Non-Resident Producer, 628527
    • Illinois
      • Agent: P&C Producer, 17884540
      • Business Entity: Producer, 100787570
    • Hawaii
      • Agent: Non Resident Producer, 439494
      • Business Entity: 458269
    • Iowa
      • Agent: Property and Casualty (“P&C”) Producer, 17884540
      • Business Entity: Insurance Producer, 1002293398
    • Kansas
      • Agent, Producer: 17884540
      • Business Entity, Producer: 812457791-000
    • Kentucky
      • Agent: P&C Agent, 914155
      • Business Entity: P&C Producer, 957465
    • Louisiana
      • Agent: Non-Resident Producer, 692355
      • Business Entity: Producer, 742562
    • Maine
      • Agent: P&C Agent, PRN267700
      • Business Entity: P&C Producer, AGN291890
    • Maryland
      • Agent: Producer, 3000004064
      • Business Entity: 3000097887
    • Massachusetts
      • Agent: P&C Producer, 2002343
      • Business Entity: P&C Producer, 2016298
    • Michigan
      • Agent: P&C Agent, 0766876
      • Business Entity: Non-Resident Producer, 0112969
    • Minnesota
      • Agent: Non-Resident Insurance Producer, 40474362
      • Business Entity: 40524460
    • Mississippi
      • Agent: P&C Agent, 8375780
      • Business Entity: P&C Producer, 15032120
    • Missouri
      • Agent: Property, Casualty, Personal Lines Producer, 8375780
      • Business Entity: Producer, 8408874
    • Montana
      • Agent: Non-Resident Producer, 100152020
      • Business Entity: 3000134493
    • Nebraska
      • Agent: P&C Producer, 17884540
      • Business Entity: P&C Agency, 100273356
    • Nevada
      • Agent: Non-Resident Producer, 3155255
      • Business Entity: 3242400
    • New Hampshire
      • Agent: Producer, 2341562
      • Business Entity: Producer, 2377610
    • New Jersey
      • Agent: P&C Producer, 1610052
      • Business Entity: P&C Producer, 1627189
    • New Mexico
      • Agent: P&C Producer, 419848
      • Business Entity: P&C Producer, 1800009903
    • New York
      • Agent: P&C Agent, PC-1416583
      • Business Entity: P&C Agency, PC-1425560
    • North Carolina
      • Agent: Producer, 17884540
      • Business Entity: 1000524114
    • North Dakota
      • Agent: Producer, 17884540
      • Business Entity: Non Resident Producer, 3000134489
    • Ohio
      • Agent: P&C Producer, 1104542
      • Business Entity: P&C Agency, 1150997
    • Oklahoma
      • Agent: Property and Casualty (“P&C”) Producer, 100257352
      • Business Entity: Producer, 100297722
    • Oregon
      • Agent: Producer, 17884540
      • Business Entity: 3000095551
    • Pennsylvania
      • Agent: P&C Producer, 774022
      • Business Entity: P&C Producer, 795642
    • Rhode Island
      • Agent: Non-Resident Producer, 2332282
      • Business Entity: Producer, 3000134495
    • South Carolina
      • Agent: Producer, 814497
      • Business Entity: 212465
    • South Dakota
      • Agent: Non-Resident Producer, 40418052
      • Business Entity: 10019782
    • Tennessee
      • Agent: Property and Casualty (“P&C”) Producer, 2333395
      • Business Entity: Producer, 2368170
    • Texas
      • Agent: P&C Agent, 2108989
      • Business Entity: P&C Managing General Agency, 2170721
    • Utah
      • Agent, Property and Casualty (“P&C”) Producer, 570902
      • Business Entity: P&C Producer, 620170
    • Vermont
      • Agent: Non Resident Producer, 3155340
      • Business Entity: Non Resident Producer, 3264839
    • Virginia
      • Agent: Producer, 990610
      • Business Entity: 141823
    • Washington
      • Agent: Insurance Producer, 918396
      • Business Entity: 948111
    • West Virginia
      • Agent: Producer, 17884540
      • Business Entity: 100249975
    • Wisconsin
      • Agent: Property, Casualty, Personal Lines P&C Intermediary, 17884540
      • Business Entity: Intermediary, 3000110215
    • Wyoming
      • Agent: Non-Resident Producer, 311529
      • Business Entity: P&C Producer, 346130

    Carrier Information

    Your insurance policy may be underwritten by one of the following insurance companies of the State National Group, which all carry an A.M. Best rating of A (Excellent) or better:

    • State National Insurance Company, Inc. (NAIC No. 12831): Licensed in all states except FL
    • National Specialty Insurance Company (NAIC No. 22608): Licensed in FL

    Producer Compensation Disclosure

    Jetty Insurance Agency LLC receives compensation from insurance carriers based on the type and amount of insurance coverage sold and the amount of premium dollars paid.

    At your request, we will provide further information about the compensation we expect to receive for your purchase of a specific insurance policy from us.

    Tenant Notices

    • Maryland
      • A tenant who purchases a surety bond has the right to have the dwelling unit inspected by the landlord in the tenant’s presence for the purpose of making a written list of the damages that exist at the commencement of the tenancy, if the tenant requests an inspection by certified mail within 15 days of the tenant’s occupancy.
      • The tenant has the right to be present when the landlord or the landlord’s agent inspects the premises in order to determine if any damage was done to the premises, if the tenant notifies the landlord by certified mail of the tenant’s intention to move, the date of moving, and the tenant’s new address.
      • The notice to be furnished by the tenant to the landlord shall be mailed at least 15 days prior to the date of moving.
      • Upon receipt of the notice, the landlord shall notify the tenant by certified mail of the time and date when the premises are to be inspected.
      • The date of inspection shall occur within five days before or five days after the date of moving as designated in the tenant’s notice.

    New York Notice of Protection for Victims of Domestic Violence

    New York Insurance Law Section 2612 affords important protections for victims of domestic violence. This Law prohibits an individual, insurer or entity supervised by the New York Department of Financial Services, from undertaking any of the following actions solely because a person is or has been a victim of domestic violence: (i) refuse to issue or renew, deny or cancel any insurance policy or contract; (ii) demand or require a greater premium or payment from any person; (iii) designate domestic violence as a preexisting condition, for which coverage will be denied or reduced; or (iv) fix any lower rate or discriminate in the fees or commissions of agents or brokers for writing or renewing such a policy. Under no circumstances may the fact that has a person is or has been a victim of domestic violence serve as an underwriting criterion.

    Procedure for Providing Us an Alternative Address

    If you are covered by one of our policies and have an order of protection against a policyholder or other person covered by a Jetty policy, you may send us a copy of the order of protection and any alternative address, telephone number, or other method of contact that you would like us to use, to:

    Jetty Insurance Agency LLC
    ATTN: Legal
    217 Centre Street Mailbox 118
    New York, NY 10013

    Additional Information

    The description of New York Insurance Law Section 2612 provided above is only a summary of the law. The complete text is available on the New York State Legislature’s website.

    The New York State Office for the Prevention of Domestic Violence’s website has additional information and resources. To contact the New York State Domestic and Sexual Violence Hotline, please call (800) 942-6906.

    Insurance Fraud Warning

    General Notice

    Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.

    The specific fraud warnings listed below are applicable in the following states: AL, AK, AZ, AR, CA, CO, DE, DC, FL, IN, KY, LA, ME, MD, MN, NH, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA and WV. If you are located in one of these states, please take time to review the appropriate warning prior to submitting your application or claim.

    ALABAMA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

    ALASKA: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

    ARIZONA: For your protection, Arizona law requires the following statement: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

    ARKANSAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

    CALIFORNIA: For your protection, California law requires the following statement: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

    COLORADO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

    DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

    DISTRICT OF COLUMBIA: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

    FLORIDA: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

    INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

    KENTUCKY: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

    LOUISIANA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

    MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

    MARYLAND: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

    MINNESOTA: A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

    NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

    NEW JERSEY: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

    NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

    NEW YORK: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

    OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

    OKLAHOMA: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

    OREGON: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

    PENNSYLVANIA: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and a fine of up to $15,000.

    RHODE ISLAND: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

    TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

    TEXAS: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

    VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

    WASHINGTON: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.

    WEST VIRGINIA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

    General Notice of Insurance Practices and Use of Consumer Reports

    In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we may order one or more reports provided by independent consumer reporting agencies.

    These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, a credit score or an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score.

    All reports are kept strictly confidential. Where scores are used, they are masked and processed automatically in Jetty’s electronic underwriting algorithm to determine a risk tier used in calculating your premium. The information we obtain will be used only for underwriting purposes. We may access future reports in connection with an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Inquiries related to insurance products (not Lease Guaranty or Security Deposit Bonds) will not affect your credit score, as they are considered a “soft hit”.

    Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report. These consumer reporting agency scores do not take into account income, race, gender, religion, marital status, national origin or geographic location.

    We will review your credit history when we are legally required to do so, or you may request a review once for every six-month policy term. Any adjustment in premium made pursuant to a change in your credit history will be reflected on your next renewal offer.

    Specific Use of Credit and Consumer Information in:

    Lease Guaranty and Security Deposit Bond

    Lease Guaranty and Security Deposit products are Surety Bonds. They are supplemental guarantees that you are able to meet your obligations to the landlord or property owner of your leased unit and therefore have elements of a credit product based on your financial profile. For these reasons, additional information about your income, employment history, personal assets, and citizenship/visa status may be collected. The information we are collecting is necessary to verify information about you, and determine your eligibility and the correct premium to charge you for these products.

    Because Lease Guaranty and Security Deposit Bonds are a type of contingent credit, your financial profile and creditworthiness are the primary factors in determining eligibility. The inquiry used for these products is a standard credit inquiry (not an insurance score inquiry), and may affect your credit score.

    No information related to race, color, religion, national origin, actual or perceived gender (including gender identity), marital status, sexual orientation, disability, age, lawful occupation, presence of children, lawful source of income (including public assistance), or any other aspect of a protected Federal, state or locally protected class is used to determine eligibility or calculation of premiums.

    Extraordinary Circumstances

    If your credit information has been adversely impacted by an extraordinary life circumstance that has occurred within the last 3 years, certain states permit you to request in writing that we consider this when using your credit information. These extraordinary life circumstances include:

    CONNECTICUT: catastrophic illness or injury; divorce; the death of a spouse, child or parent; the involuntary loss of employment for more than three consecutive months; identity theft; or total or other loss that makes a home uninhabitable;

    DELAWARE: serious illness or injury; involuntary unemployment; divorce; identity theft; or involuntary interruption of alimony or support payments;

    INDIANA: divorce; serious illness; job loss; or death of an immediate family member;

    IOWA, KANSAS, KENTUCKY & NEW HAMPSHIRE: catastrophic event, as declared by the federal or any state government; serious illness or injury to you or an immediate family member; the death of your spouse, child or parent; divorce or involuntary interruption of legally-owed alimony or support payments; identity theft; temporary loss of employment for a period of three months or more, if it results from involuntary termination; or overseas military deployment; and

    NEW MEXICO: an acute or chronic medical condition, illness, injury or disease; divorce; death of a spouse, child or parent; involuntary loss of employment for more than three consecutive months; identity theft; or total or other loss that makes a home uninhabitable.

    If you believe any of these apply to you and have impacted your credit, you may request in writing that this be taken into consideration. We will require you to provide specific documentation of this circumstance and demonstrate how it has negatively affected your credit. The request must be made no more than 60 days from the date of the application for insurance or the policy renewal. Please submit your written request and all supporting documentation to Jetty Insurance Agency LLC, ATTN: Underwriting, 524 Broadway, 9th Floor, New York, NY 10012.

    Insurance Credit Score

    All states (excluding California and Maryland)

    We obtain information from Trans Union Corporation to determine your insurance credit score. This inquiry will not affect your credit score. Trans Union can provide a free copy of your credit report, and if you believe that report is inaccurate, they can respond to disputed items, but TransUnion cannot comment on your insurance application.

    TransUnion Consumer Relations
    2 Baldwin Place
    P. O. Box 1000
    Chester, PA 19016

    1-800-888-4213  

    Standard Credit Score

    For Lease Guaranty and Security Deposit Bonds

    We obtain your credit score from TransUnion Corporation. This inquiry may affect your credit score. Trans Union can provide a free copy of your credit report, and if you believe that report is inaccurate, they can respond to disputed items, but TransUnion cannot comment on your Lease Guaranty or Security Deposit Bond application.

    TransUnion Consumer Relations
    2 Baldwin Place
    P. O. Box 1000
    Chester, PA 19016
    1-800-888-4213  

    Prior Claims History

    We may obtain information from Verisk Analytics' A-PLUS database to determine your prior claims history during your insurance application . This inquiry will not affect your claims history. Verisk Analytics can provide a free copy of your A-PLUS claims history report, and if you believe that report is inaccurate, they can respond to disputed items, but Verisk Analytics cannot comment on your insurance application.

    Consumer Inquiry Center
    Verisk Analytics
    545 Washington Blvd 18 FL
    Jersey City, NJ 07310

    1-800-709-8842

    Other Laws (Applicable to all Jetty Products & Services)

    Fair Housing Act

    The Fair Housing Act prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status, and disability.

    Americans with Disabilities Act

    The Americans with Disabilities Act prohibits discrimination and ensures equal opportunity for persons with disabilities in employment, state and local government services, public accommodations, commercial facilities, and transportation.

    Equal Credit Opportunity Act

    The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

    State and Local Laws

    State and local laws often provide broader coverage and prohibit discrimination based on additional classes not covered by Federal law.



    Consent to Electronic Communications and Signatures

     

    Under the terms of The Electronic Signatures in Global and National Commerce Act of 2000, you are providing consent to electronic transactions, including providing you with insurance policy documents electronically by submission of an application and payment of premium. You will receive all of your insurance policy documents from us electronically, as permitted by law. Insurance policy documents in electronic format will have the same contractual force and effect as insurance policy documents in paper format.

    The Scope of Communications to Be Provided in Electronic Form (Jetty Insurance Products):

    • Declarations Page
    • Policy documents, including any applicable endorsements
    • Renewal Notice
    • Cancellation Notice
    • Non-Renewal Notice
    • Claim Notices
    • Other Important Notices
    • Other state-specific notices

    Where any policy document or notice is required to be mailed by state law, you may also receive an electronic copy as a courtesy

    Method of Providing Communications to You in Electronic Form

    At any time, you may access insurance policy documents electronically. In order to access documents electronically, you must have: (i) a computer or smart device capable of connecting to the internet; (ii) internet service; (iii) a browser capable of viewing our website or the Jetty app; (iv) an e-mail service account that allows you to read, write, and send e-mail; and (v) the ability to use hyperlinks to access other websites (collectively referred to as the “Technical Requirements”). You must have the Technical Requirements to download, display, print, and retain insurance policy documents in Adobe Portable Display Format. Once you purchase your policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view insurance policy documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive insurance policy documents electronically.

    To access your online account, go to www.jetty.com and log in to your account with the e-mail address and password you provided when you created or updated your account. Your insurance policy documents will be accessible through your online account. To print any of your insurance policy documents from your online account, click the “print” button located on the page or in your browser frame. To download and save any of your insurance policy documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader's directions for downloading and saving documents.

     

    How to Withdraw Consent

    To withdraw your consent, please contact us call us at 1-855-695-3889 or by email at help@jetty.com with the following subject line: WITHDRAW ELECTRONIC CONSENT. The body of your e-mail must contain your name, policy number, the effective date of your withdrawal and whether you want (a) all communications to be in paper form and (b) your documents to be sent to you in paper form.

     We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however, if you withdraw your consent, may terminate your access to the Services. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.  Before you withdraw your consent to electronic transactions, including receiving documents electronically, please be aware that you can easily download, print, or email your documents from the Jetty “My Account” website at www.jetty.com

    How to Update Your Records

    To update information needed to contact you electronically (your email address), simply email us at help@jetty.com, or call 1-855-695-3889, or log in to your account at www.jetty.com.It is your responsibility to provide us with true, accurate and complete email address, contact, and other information related to your Inquiry or use of the Services and to maintain and update promptly any changes in this information. 

    Hardware and Software Requirements

    To receive electronic Communications, you must have access to:

    • A Current Version (defined below) of Internet Explorer, Edge, Chrome, Safari, or Firefox;
    • A connection to the internet;
    • A Current Version of a program that accurately reads and displays PDF files; and
    • A device (e.g., a computer, tablet, mobile phone, etc.) and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

    You must also have an active email address and a cellphone number for SMS messaging.

    By “Current Version,” we mean a version of the software that is currently being supported by its publisher. 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 with our services.

    If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain electronic Communications, we will give you notice of the revised hardware or software requirements. Continuing to use this service after receiving notice of the change is reaffirmation of your consent.

     

    Requesting Paper Copies

    You can obtain a paper copy of a Communication by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy, contact us at help@jetty.com. We may charge you a reasonable service charge for the delivery of paper copies of any Communication provided to you electronically pursuant to your authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

    Communications in Writing

    You agree that all electronic Communications shall be considered “in writing” and have the same meaning and effect as if provided in paper form, unless you have withdrawn your consent to receive Communications electronically and we have a reasonable period of time to process your withdrawal (as set forth herein).  You should print or download for your records a copy of this Disclosure, and any other Communication that is important to you.

    Federal Law

    You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal E-Sign Act, and that you and we both intend that the E-Sign Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

    Termination/Changes

    We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

    Consent

    By clicking the “Sign and Continue” button or similar button or by applying for or using a Service or submitting an Inquiry, you give us, including, but not limited to, Lenders, affirmative consent to provide you with electronic Communications as described herein and agree to the terms of this Disclosure.  You agree that clicking the “Sign and Continue” button or similar button or by applying for or using a Service or submitting an Inquiry is the legal equivalent of your physical signature on this Disclosure. No certification authority or other third party verification is necessary to validate your signature, and the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract. By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic Communications, and that you have an active email account. You also confirm that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your Service or Inquiry. 

    Jetty Claims Paperless (applicable to applicants for Jetty Insurance Products Only)

    Jetty is pleased to offer electronic delivery (“Claims Paperless”) of claims related documents as described below. Please read these Terms and Conditions carefully. By consenting to Claims Paperless, you accept and agree to the following:

          I agree to receive my claims related documents in electronic form from Jetty or its third-party claims administrator. I will receive documents related to the processing of my claim including, but not limited to, estimates, correspondence, claims forms, and information about related services (collectively, “Documents”) by electronic delivery. There may be some Documents that cannot be delivered electronically due to legal and/or technological constraints. These Documents will be delivered to me via United States Postal Service (USPS) to my postal address.

          My consent to enrollment in Claims Paperless will remain in effect for the life of this claim, or until I unenroll as explained below. I understand the minimum hardware and software requirements for Claims Paperless. Documents will be delivered in PDF or HTML format. I understand that I must have an email account, access to an Internet browser, and Adobe® Reader® software (this software is available for download free of charge at https://get.adobe.com/reader/). If I wish to print Documents, I must also have access to a printer. I will be informed of any changes to the hardware and software requirements for electronic delivery such that I will no longer be capable of accessing, viewing or retaining my Documents. I will then be requested to review the updated Terms and Conditions and my continued enrollment will serve as my consent to my ongoing participation in the Electronic Delivery option and agreement to the updated Terms and Conditions, including the new requirements. I understand that I must provide Jetty with a working email address. I understand that I will need to maintain a current email address with Jetty and ensure that it is active and capable of receiving new emails. To do this, I will ensure that my email account has sufficient space for new emails and that my email server and spam-blocking software do not block Jetty emails. I understand that Jetty is not responsible for problems arising from emails sent to an inactive or out-of-date email address, unless Jetty is solely negligent for using an incorrect address. If an email is returned to Jetty as undeliverable, Jetty will notify me to update my email address. If I do not update my email address, I will be unenrolled in Claims Paperless, and all Documents will be sent to me via the USPS to my postal address. I understand that I can unenroll from Claims Paperless at any time. If I withdraw my consent for Jetty to provide me with Documents in electronic form, Jetty will, from that point forward, provide me with Documents in paper form. To withdraw my consent, I understand that I must call Jetty at 1-855-695-3889 or by email at help@jetty.com with the following subject line: WITHDRAW ELECTRONIC CONSENT. The body of your e-mail must contain your name, claim number, the effective date of your withdrawal and whether you want (a) all communications to be in paper form or (b) only documents related to this claim to be sent to you in paper form. Upon unenrolling, I understand that all subsequent Documents will be mailed to my postal address via USPS (please allow up to 24 hours to process your unenrollment). Revocation of consent will not affect the legal enforceability of Documents provided to me through the Claims Paperless process before the effective date of unenrollment.