Last Updated: February 21, 2026

This Electronic Communications Disclosure and Consent, referred to as the “E Sign Consent,” applies to all communications, disclosures, agreements, notices, and records related to your use of the Services provided by Arorix Financial, Inc., a Delaware corporation with its principal place of business in the Commonwealth of Kentucky, referred to as “Arorix,” “we,” “us,” or “our.”

Please read this document carefully.

By creating an account, clicking to accept, or otherwise using the Services, you agree to receive communications electronically as described below.

1. Scope of Electronic Communications

You agree that we may provide you with any disclosures, agreements, notices, statements, tax documents, account information, fee schedules, amendments, and other communications relating to the Services in electronic form.

These communications may include, but are not limited to:

Account agreements
Privacy notices
Terms of Service
Banking Partner disclosures
Periodic statements
Transaction confirmations
Regulatory notices
Adverse action notices
Tax forms
Customer service communications

Electronic communications may be provided through:

The Arorix website
The Arorix mobile application
Email
In app notifications
Other electronic means permitted by law

2. Consent to Use Electronic Signatures

You agree that electronic signatures, including clicking a button, checking a box, or taking similar affirmative action, have the same legal effect as handwritten signatures.

You agree that your use of the Services constitutes your electronic signature and acceptance of agreements and disclosures.

3. Hardware and Software Requirements

To access and retain electronic communications, you must have:

A device with internet access
A current version of a web browser or mobile operating system that supports secure connections
A valid email address
The ability to view and save or print PDF documents

You are responsible for maintaining the equipment and software necessary to access electronic communications.

4. Paper Copies

You may request a paper copy of any electronic communication by contacting us at support@arorix.com.

We may charge a reasonable fee for paper copies to the extent permitted by law.

5. Withdrawing Consent

You may withdraw your consent to receive electronic communications at any time by contacting support@arorix.com.

Withdrawal of consent may result in termination or restriction of your access to the Services if electronic delivery is required to provide the Services.

Your withdrawal will not affect the legal validity of communications provided electronically prior to withdrawal.

6. Updating Contact Information

You are responsible for keeping your email address and other contact information current.

Failure to update your contact information may result in missed communications.

7. Federal Law Compliance

This consent is provided in accordance with the federal Electronic Signatures in Global and National Commerce Act and other applicable laws governing electronic records and signatures.

8. Retention of Records

We recommend that you print or download and retain copies of electronic communications for your records.

9. Termination

This consent applies throughout your relationship with Arorix unless withdrawn in accordance with this document.

Contact Information

Arorix Financial, Inc.
Email: support@arorix.com