Clav Consent to Electronic Communications

Last Modified: February 3, 2024
In this agreement, "we," "us," "our," and "Clav" refer to Clav and its associated entities. "You" and "your" refer to the business entities or individuals registering for a Clav account or utilizing a Clav product. "Communications" encompasses all forms of disclosures, notices, agreements, fee schedules, privacy policies, statements, records, documents, and any other information we provide to you, or that you sign, submit, or agree to at our request.Clav is committed to delivering an exceptional online banking and financial services experience, which includes providing you with information electronically. By accepting this agreement, you acknowledge your willingness and capability to receive Communications electronically, constituting your consent to such electronic delivery. Should you decline to consent to receive Communications electronically, you will be unable to open a Clav account. Furthermore, withdrawing your consent to electronic Communications after giving it may result in the termination of your Account.
Delivery Methods
Communications will be delivered to you electronically through one or more of the following methods:
- The Clav website ( ("Website");
- The Clav mobile application ("App");
- Text or SMS messages ("Text Messages");
- Electronic mail ("E-mail").
Should we opt for delivery methods other than those listed above, we will inform you of where to access such Communications. Please note, certain Communications may still be delivered in paper form, as required by law, despite your consent to receive electronic Communications.
Hardware and Software Requirements
To effectively receive and retain electronic Communications from Clav, you must have:
- A computer or mobile device with an operating system capable of supporting the requirements listed below;
- An active internet connection;
- A recent version of a supported web browser, such as Edge (version 42 or higher), Firefox (version 62 or higher), Safari (version 12 or higher), or Chrome (version 69 or higher);
- A means to store data, such as a hard drive;A valid, active email address;
- A current version of software capable of displaying PDF files.
We reserve the right to update these requirements as necessary to continue offering electronic Communications. Should there be a significant change in these requirements, we will provide you with updated information.
Updating Contact Information
Maintaining accurate and current contact information is your responsibility to ensure the successful delivery of electronic Communications. You can update your email address and other relevant contact details by logging into your online account on the Clav website, within the "Settings" section, or by contacting us directly at
Requesting Paper Copies
Upon request, we may, at our discretion, provide paper copies of certain electronic Communications, though we are under no obligation to do so. To request a paper copy, you may print the electronic Communication yourself or ask us to mail you a paper copy by contacting
Communications in Writing
By law, we are obligated to provide certain information to you "in writing." Thus, all Communications sent to you, whether in electronic or paper format, will be considered delivered "in writing."
Withdrawing Consent
You have the right to withdraw your consent to this agreement at any time. Doing so will result in the termination of your Clav account, including access to our Website and App. In accordance with this Agreement, a refund check for any remaining balance may be issued upon account termination. Withdraw your consent by emailing us at