Legal

Find Noah's legal documents below

Consent to Electronic Communications and Signatures

As part of your relationship with Noah., we want to ensure you have all the information you need to support your interactions with us and effectively manage your account. Our goal is to communicate with you and process your application in the timeliest manner possible. We are required by law to give you certain information “in writing”, which means you are entitled to receive it on paper. To increase the efficiency and convenience of our interactions with you and our vendors, we use email and provide electronic documentation and disclosures on our website, with your prior consent. In order to continue with the Noah application, you must consent to electronic communications with us and receiving electronic disclosures from us. Your consent applies to this Noah product application and any future Noah applications by you. We also need your general consent to use electronic records and signatures during our relationship with you

Definitions

  • “Noah”, “we”, “us”, and “our” mean Patch Homes Inc., a Delaware corporation d.b.a Noah and all its related, affiliated, or subsidiary companies.
  • “You” and “your” means the person giving this consent who submits an online application for a Noah product (“Application”).
  • “Communication” means any information that we are required by law to provide to you in writing in connection with your Application, any information we may otherwise provide to you relating to any Noah product that you obtain from us, or any information that you sign, submit, or agree to at our request.
  • “Website” means https://www.noah.co and any subdomains thereof.

Method of Electronic Communication

All Communications that we provide to you electronically will be provided either (i) on our Website or (ii) directly to the any email address provided on your Application (or in addition to any email address you provide to us later). Noah may notify you through email when a Communication or updated agreement pertaining to our Website is available. Noah may also use our Website for electronic Communications. It is your responsibility to check our Website for Communications and updates to this policy.

Consent to Electronic Delivery

By checking the box next to “I have read and agree to Noah’s Terms of Service, Privacy Policy, Consent to Electronic Communications and Electronic Signatures, and Noah Instructions”, you specifically agree to provide, receive, and/or obtain any and all Noah related Communications via our Website. This includes electronic communications related to your account from Noah’s third-party servicers. You specifically consent to receive communications and disclosures regarding your account via electronic mail (email) or online, instead of by regular mail. Except as provided below, Communications will not be provided on paper. Your consent applies to all information we send to you, disclose, or communicate to you online relating to your account or any Noah product. Your consent remains in effect until you give us notice you are withdrawing it, as provided for in Item 7, below.

Electronic Signatures

By checking the box next to “I have read and agree to Noah’s Terms of Service, Privacy Policy, Consent to Electronic Communications and Electronic Signatures, and Patch Homes Instructions”, you acknowledge that you have read, understand, and agree to the following:

  • You are voluntarily choosing to sign your Noah documents electronically;
  • You understand that the documents we present on this Website are in place of paper documents;
  • You understand and agree that your electronic signature will bind you to the Terms of Service terms and conditions to the same extent as if you signed your Noah documents on paper with an ink signature;
  • You understand and agree that no certification authority or other third-party verification is necessary to validate your E-Signature and that the lack of such certification or third-party verification will not in any way affect the enforceability of your E-Signature or any resulting contract between you and Noah; and
  • You understand that you have the right to withhold your consent to the use of electronic documents and signatures and to withdraw your consent at any time prior to completing the e-sign process. Please be aware, however, that withdrawal of consent may result in the termination of your access to use Noah products.

Notwithstanding the foregoing, you acknowledge that some documents related to real estate transactions must be signed on paper with an ink signature in front of a notary public. Noah will identify these documents for you, in the event your Application is approved for a Noah product, and Noah will work with you to help arrange for notarization of such documents.

Paper Copies

You may request a paper copy of any Communication by contacting us via e-mail at hello@noah.co You acknowledge Noah reserves the right to charge you a reasonable fee for the production and mailing of paper versions of Communications, unless charging a fee is prohibited by applicable law.

Hardware and Software Requirements

By checking the box next to “I have read and agree to Noah’s Terms of Service, Privacy Policy, Consent to Electronic Communications and Electronic Signatures, and Noah Instructions”, you confirm that you have the following required hardware and software capabilities to access, view, and retain electronic Communications:

  • A valid, working email account.
  • Access to a computer, operating system, and telecommunications connections to the Internet capable of receiving, uploading, accessing, displaying, and either printing or electronically storing Communications.
  • Your Internet browser must meet the following minimum requirements: the current and previous major releases of Chrome, Firefox, Internet Explorer, and Safari, on a rolling basis, and support at least 256-bit encryption.
  • A PDF file reader, like the free Adobe® Acrobat Reader ( http://get.adobe.com/reader/ ).
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit.

We will notify you of any changes to these requirements that create a material risk that you may not be able to access or retain Communications electronically. Continuing to use the Website after receiving notice of the change is reaffirmation of your consent.

Withdrawing Consent

You are free to withdraw your consent to receive Communications electronically at any time by contacting us via e-mail at hello@noah.co. If you withdraw your consent, the legal effectiveness, validity, and/or enforceability of prior Communications will not be affected. Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal. You acknowledge that Noah reserves the right to restrict or terminate your access to our Website if you withdraw your consent to receive electronic Communications.

Updating Your Contact Information

You must promptly inform us of any change in your email address by signing into your online account and updating your email address or contacting us using the "Contact Us" link at https://noah.co/contact-us.

Acknowledging Your Ability to Access, and Consenting to Electronic Communications and Electronic Signatures

  • By checking the box next to “I have read and agree to Noah’s Terms of Service, Privacy Policy, Consent to Electronic Communications and Electronic Signatures, and Patch Homes Instructions”, you acknowledge that you can access Communications that are provided to you by the methods described above and agree to receive Communications electronically. You further confirm:
  • You have the hardware and software described above;
  • You can access and read this Consent to Electronic Communications and Electronic Signatures;
  • You have an active email;
  • You can print this disclosure on paper, or save the disclosure to a place where you can print it, for future reference and access;
  • You consent to use and sign electronically an electronic version of any Noah documents; and
  • You consent to the terms and conditions of this Electronic Communications and Electronic Signatures Policy.

We recommend that you print a copy of this Electronic Communications and Electronic Signatures Policy for your future records.

Last updated: August 17, 2020