E-sign disclosure.

Last Updated: October 2, 2026

Electronic Signature Disclosure and Consent

This Electronic Signature Disclosure ("Disclosure") explains how Zero Processing Fees LLC, doing business as Keep The Fees ("KTF," "we," "us") provides electronic records and obtains electronic signatures. It applies to Shops, Individual Users, and other people when KTF presents it for an electronic transaction. Capitalised terms have the meanings given in the Terms of Service. An Individual User's platform access depends on an active, authorised Shop relationship.

Consent to Use Electronic Signatures and Records

After reviewing this Disclosure and confirming that you can access and retain records in the formats described below, you consent by checking the relevant box or taking another action expressly identified as consent. You agree to receive the following categories of records electronically and to use electronic signatures for transactions you choose to enter:

• Account registration, onboarding, and service agreements;
• Terms, privacy and data policies, related disclosures, and notices of changes;
• Tax documentation, artist agreements, commission terms, and payment-related records presented through the Services, subject to any separate requirements that apply to them;
• Forms, acknowledgments, account notices, and transaction records presented for your review or signature through the Services.

Your consent applies to those categories during the relevant service relationship unless withdrawn. You confirm that you can access, save, or print the electronic records and intend an electronic signature you adopt to have the same effect as a handwritten signature to the extent permitted by law. Consent to electronic delivery is separate from accepting the contents of any document, a future amendment, or a particular use of personal information. A Shop representative consents for the Shop only within their authority; that consent does not replace an individual's required personal consent.

Delivery and Copies

KTF may provide records through the Services or by email, subject to any delivery method or timing required by law. Records presented for electronic acceptance will be available in a form you can save or print. You should retain copies for your own records. A separate acceptance confirmation email is not required by this Disclosure.

While KTF retains a record, you may request an electronic copy at [email protected] or use any copy or download controls available in the Services. KTF may verify your identity and authority before releasing records. An individual's request does not grant access to another person's information or a Shop's records without authority.

Requesting Paper Copies

Records are provided electronically in a form you can save or print. KTF provides paper copies where required by applicable law. To request a legally required paper copy, contact [email protected]. Any permitted fee will be disclosed in advance. You may decline electronic delivery before consenting; services or transactions requiring electronic records may then be unavailable, subject to applicable law.

Withdrawing Your Consent

You may withdraw consent to electronic delivery by contacting [email protected]. KTF does not charge a withdrawal fee. Withdrawal takes effect within a reasonable processing period after receipt and does not invalidate records already delivered or signatures already given. Features or transactions requiring electronic records may become unavailable, and the relevant account or service relationship may need to end, subject to applicable law and the Terms. Your withdrawal does not withdraw another person's consent or cancel a Shop's agreement unless you act with the necessary authority.

Updating Your Contact Information

Keep your account contact details current using the available account settings or by contacting [email protected]. Notices for your personal account are directed to you; notices for a Shop are directed to its authorised representative.

Record Retention

KTF retains electronic agreements and the supporting acceptance, signature, consent, or audit information actually logged by the Services for the duration of the relevant service relationship. For a document held for a Shop, that relationship is the Shop's use of the Services; an individual leaving the Shop does not require deletion of the Shop's record. For records KTF maintains for an Individual User's account, retention follows the account and its active, authorised Shop relationships as described in Section 10 of the Privacy Policy.

After the relevant relationship ends, the export and deletion provisions in Section 43 of the Terms and the Privacy and Data Policies apply. Records may be retained for longer where required by law, tax, or regulation, reasonably necessary for a pending or reasonably anticipated legal claim of which KTF has notice, or needed to honour an opt-out or consent withdrawal as described in the Privacy Policy. Records subject to a legal retention requirement remain accessible and reproducible for the required period to persons legally entitled to them.

Shops and individuals should download the records they need while available. A Shop remains responsible for its own professional, client-record, tax, and other retention duties; KTF's service is not a promise to retain every Shop document for the full period of the Shop's independent obligations.

Audit Trail and Authenticity

KTF retains the acceptance or signature information captured for the relevant transaction, which may include the document version or copy, accepting user, capacity, Shop, timestamp, IP address, and other supporting information actually logged. These records help evidence the action taken and are retained with the relevant record under the rules above. An audit entry does not by itself establish authority to bind a Shop or prove that a separate consent legally required for another purpose was obtained.

Hardware and Software Requirements

To access and retain electronic records, you need:

• An internet-connected computer, tablet, or smartphone;
• A current browser or supported KTF application able to display the records;
• An email account capable of receiving links and attachments;
• Software capable of displaying HTML and opening PDF documents;
• Sufficient storage to save records or access to a printer.

If changed hardware or software requirements create a material risk that you cannot access or retain electronic records, KTF will notify you of the revised requirements and your right to withdraw without a fee or a previously undisclosed consequence. Where required by law, KTF will obtain renewed electronic consent in a manner demonstrating access to the revised format before relying on it for further delivery.

Legal Framework and Separate Agreements

Electronic records and signatures are subject to the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), applicable state electronic transaction laws, and other applicable law. This Disclosure does not replace legally required notices, consents, retention periods, or delivery methods. Payment, banking, and other Connected Service providers may require their own electronic-delivery consent, which remains separate.

Changes to This Disclosure

KTF will notify each affected recipient of material changes through the Services or by email. For Shops and Individual Users, Section 47 of the Terms applies. A revision replaces earlier KTF electronic-signature disclosures for that relationship. Where applicable law requires renewed consent before KTF relies on a changed disclosure, KTF will obtain it. The hardware and software requirements above continue to apply.