Electronic Communications Policy

1. Introduction

JHD Investment Group LLC (d/b/a "eWallet," "we," "us," or "our") uses electronic communications to deliver important information about your account, transactions, security, and services. This Electronic Communications Policy describes the types of communications you may receive and how you can manage your preferences.

By creating an eWallet account, you consent to receive electronic communications from us as described in this policy and our E-Sign Disclosure.

2. Types of Communications

We send various types of communications to keep you informed about your account and our services:

Transactional Communications

These are messages related to your specific transactions and account activity:

• Payment confirmations: Receipts for completed payments and transfers
• Transaction alerts: Notifications of incoming and outgoing funds
• Account statements: Periodic summaries of your account activity
• Dispute updates: Status updates on filed disputes or chargebacks
• Refund notifications: Confirmation of refunded amounts

Security Communications

Critical messages to protect your account and identity:

• Login alerts: Notifications of sign-ins from new devices or locations
• Password changes: Confirmation of password updates
• Suspicious activity: Alerts about potentially fraudulent transactions
• Two-factor authentication: Verification codes for secure login
• Account lockouts: Notifications when access is restricted

Account Communications

Information about your account status and required actions:

• KYC verification: Requests for identity verification documents
• Account updates: Changes to account status or limits
• Payment reminders: Notifications about scheduled payments
• Low balance alerts: Warnings when your balance is low
• Card notifications: Updates about your eWallet debit card

Legal and Regulatory Communications

Required notices and disclosures:

• Policy updates: Changes to Terms of Service, Privacy Policy, etc.
• Tax documents: 1099 forms and other tax-related documents
• Regulatory notices: Required disclosures from financial regulators
• Fee changes: Notice of changes to our fee schedule

3. Delivery Methods

We use multiple channels to communicate with you:

Email

Our primary communication method. Emails are sent from @ewallet.app and @notifications.ewallet.app domains. Please add these to your safe sender list.

• Transaction receipts and confirmations
• Account statements (monthly/quarterly)
• Policy and legal updates
• Marketing communications (with consent)

SMS Text Messages

Short text messages for time-sensitive information:

• Two-factor authentication codes
• Security alerts and suspicious activity warnings
• Transaction confirmations (optional)
• Payment reminders

Note: Standard message and data rates may apply from your mobile carrier.

Push Notifications

In-app notifications on your mobile device (when enabled):

• Real-time transaction alerts
• Payment requests received
• Balance updates
• Security alerts

You can manage push notification settings in your device's settings menu or within the eWallet app.

In-App Messages

Notifications displayed within the eWallet application:

• Account alerts and announcements
• Feature updates and tips
• Required actions (verify identity, update info)
• Promotional offers

4. Required Communications

Certain communications are essential for the operation of your account and security. These cannot be disabled:

Cannot Be Disabled

• Security alerts: Notifications about suspicious activity, login attempts, and fraud
• Legal notices: Changes to terms, policies, and regulatory disclosures
• Account status: Notifications about account restrictions, closures, or required actions
• Tax documents: Annual tax forms (1099) and related communications
• Dispute communications: Updates about disputes, chargebacks, and resolutions

Frequency of Required Communications

• Security alerts: As needed, based on account activity
• Legal notices: When policies change (typically 30 days advance notice)
• Account statements: Monthly (if account is active)
• Tax documents: Annually (January-February)

5. Marketing Communications

With your consent, we may send marketing communications about:

• New features and product updates
• Promotional offers and discounts
• Partner offers and rewards
• Tips and educational content
• Surveys and feedback requests

Opting Out of Marketing

You can opt out of marketing communications at any time:

• Email: Click the "Unsubscribe" link in any marketing email
• SMS: Reply STOP to any marketing text message
• In-App: Go to Settings → Notifications → Marketing
• Contact Support: Email support@ewallet.app with your request

Note: Opting out of marketing does not affect transactional or security communications.

Marketing Opt-Out Timing

We will process your opt-out request within 10 business days. You may receive previously scheduled messages during this period.

6. Managing Your Preferences

You have control over many of your communication preferences:

In the eWallet App

• Go to Settings → Notifications
• Toggle individual notification types on or off
• Choose your preferred methods (email, SMS, push)
• Set quiet hours for non-urgent notifications

On the Website

• Log in at app.ewallet.app
• Navigate to Settings → Communication Preferences
• Select your preferred options and save

Available Preferences

• Transaction alerts: Choose email, SMS, push, or combination
• Marketing communications: Opt in or out completely
• Payment reminders: Enable or disable scheduled payment alerts
• Balance alerts: Set low balance threshold notifications
• Weekly digest: Receive a weekly summary instead of individual alerts

7. Keeping Your Information Updated

To ensure you receive important communications, please keep your contact information current:

What to Keep Updated

• Email address: Primary method for most communications
• Phone number: Required for SMS and two-factor authentication
• Mailing address: Used for paper communications and regulatory mailings

How to Update

• In the app: Settings → Profile → Contact Information
• Online: Log in and go to Account Settings
• Contact support: Email or call to request changes

Verification Required

For security, changes to your email or phone number require verification:

• A verification code will be sent to your new contact method
• You must confirm the change within 24 hours
• Both old and new contact methods receive notification of the change

8. Contact Us

If you have questions about electronic communications or need help managing your preferences, contact us:

• Email:support@ewallet.app
• Phone: 1-877-827-0995
• Mail: JHD Investment Group LLC (d/b/a eWallet), 830 Julie Rivers Dr, Suite 203, Sugar Land, TX 77478

To opt out of marketing communications, email unsubscribe@ewallet.app or use the unsubscribe link in any marketing message.