Fast
Reliable
Transparent
Our advanced automated system lets you request up to $5,000 by filling out a simple, clear-cut form directly from your computer, tablet, or mobile phone
We don’t focus solely on your credit score. We focus on helping you and providing you with loan offers! So don’t let your credit determine your future and stop you from submitting a request with us!
The online form usually takes less than 10 minutes to complete. So before you even finish your cup of tea, you’ll already have your request submitted
Short-term loans such as personal loans or cash advances require no guaranty and provide you with emergency cash for unexpected circumstances. These types of loans are intended to be used only in extraordinary circumstances as repayment periods, rates, and fees tend to differ from more traditional financial products. Those who wish to accept a short-term loan from a lender they may connect with on this website should be responsible in repaying the loan on time. Loan amounts will vary but are typically between $500 and $5,000.
Our website works with an extensive network of state licensed lenders, tribal lenders, and reputable financial service providers nationwide who may help you secure a loan. Our job is to connect you with these lenders so that you may potentially secure funding. Once connected, lenders will typically reach out to you within minutes to discuss lending options. It is important to remember that this website is not a lender nor do we provide short-term loans but instead pass your information to lenders in our network so that you may be connected to loans and financial products.
Upon completing our website’s loan request form and hitting submit, we will pass your information to our network of lenders in an attempt to connect you. If a lender chooses to offer you a loan, they may contact you typically within minutes via email, phone, or text, and present you with the next steps to accept their offer and complete their loan application. At this time, you are encouraged to carefully review all terms of the loan and ask any clarifying questions. You are under no obligation during the process to accept any loan offered and may choose to end the process at your discretion. In the event you are not able to connect with a lender, this website may pass the information you submitted to third-parties who may offer you related financial products.
Using our website’s services to connect with lenders is completely free. You may use this website as often as needed, free of any charges. However, if you are successfully connected with a lender through this site, you may be responsible to the lender for the costs associated with the loan you may potentially receive and those costs and fees are determined solely by the lender. It is important to remember that short-term loans are intended for emergency cash circumstances and often more expensive than more traditional financial products.
To submit a request on this website to be connected with lenders for short-term loans, you must meet some basic requirements and provide certain information. The lenders in our network seek to view this information so that they may determine your creditworthiness and whether to offer you a loan. We will only pass the sensitive information you provide to us on the loan request form to lenders and financial service providers who offer loans. In order to be eligible to submit a loan request form, you must ensure you are: (i) 18 years or older; (ii) Have a valid social security number; (iii) Be a U.S. citizen or permanent resident; (iv) Have a consistent monthly income source; (v) Own a valid bank account for deposits and repayment; and (vi) Own a valid telephone number and email address. Notwithstanding, each lender in our network may have different rules and regulations to decide if a borrower is eligible for a loan and thus, any final decision pertaining to lending or loans belongs to the lender alone and not us. This website is not a lender and does not make credit decisions or review your information for creditworthiness.
This website does not perform credit checks or pull credit to determine creditworthiness. We are not a lender and do not make any financial decisions. However, the lenders who receive the information you affirmatively provide to us on this website may use your information to verify consumer identity and perform credit checks which may impact your credit score. Lenders in our network may perform a credit checks or secure your credit score before making their decision to offer you a loan by using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. By submitting your loan request on this website, you are providing express written consent and authorization under the Fair Credit Reporting Act to allow such lenders to use your information in this manner (to obtain credit reports, credit scores, or other information from any consumer reporting agency).
It is important to remember that our website is not a lender but instead passes consumer’s information from those who submit loan requests on this website to our network of lenders who may provide such loans. Therefore, we are unable to provide you with exact APR (Annual Percentage Rate) that you will be charged for a loan since this is determined solely by the lender you connect with and will vary among different lenders. The loan interest rates are determined only and solely by your lender, with specific amounts determined based upon the information you submitted to the lender. Your lender is required to provide you with the APR, loan fees, and other information.
This website does not determine loan repayment terms. Loan repayment terms are determined solely by the lender you connect with and are usually scheduled to be made once or twice a month, depending on the terms and conditions of your loan agreement. Understanding the repayment terms of your loan is very important. Each offer has different factors affecting the terms, such as your state of residence, the length of repayment time, or your total amount of the loan. Please reach your lender for further information about your repayment terms and review all repayment information prior to accepting a loan offer.
As mentioned previously, this website is not a lender and therefore cannot provide any specific information regarding late payment or non-payment. In the case that you are unable to make a payment on time to your lender, you are encouraged to contact your lender immediately. Late payment may result in additional fees depending on your lender’s terms and conditions and your state’s regulations. Reviewing your agreement with the lender to acknowledge the consequences of late payment is highly recommended. Failing to repay your loan can lead to several penalties imposed by lenders, including but not limited to, charges for late payment, forwarding your account to a collection agency, or reporting your lack of payment to a credit bureau which can negatively impact your credit score. It is important to remember that non-payment of loans may impact your credit score negatively if your credit provider chooses to report delinquencies. This website is not a debt collector nor do we engage in any collections. You are encouraged to contact your lender directly in the event of nonpayment.
Lenders in our network will ultimately determine whether you will be offered a loan or are eligible for certain loan products. Our website is not a lender and does not make financial determinations. If you are unable to connect with a lender for a loan on this website, we may offer you the opportunity get connected with other lender networks which provide smaller amounts of up to $1,500.
(ExpressPersonalLoans) ("We," or "our," or “Company”) is committed to transparency and advising you of the right to your privacy. This Policy describes how we collect, store, and use the personal information provided by you on our Website. By accessing and using our Website, you unequivocally accept, without limitation or qualification, the collection, use and transfer of the personal information provided by you in the manner detailed and set forth in this Privacy Policy. You are encouraged to read this Policy carefully, as it affects your rights and our liabilities under the law. If you disagree with the way we collect and process personal information, or don’t with your information to be used as set forth herein, please refrain from using our Website.
INFORMATION THE WEBSITE COLLECTS.
Company collects general types of information about you when you access and use the Website. These examples include: personal information, demographic information, behavioral information, and indirect information. At times, we collect combinations of these types of information:
Personal Information-Information that can be used to identify you or any other individual to whom the information may relate. This is information which you are prompted to provide to us and do affirmatively provide to us though the Website. Such information may include, but not limited to, your name, address, telephone number(s), mobile numbers and email address, if applicable, credit card number(s), bank account(s), employment status or self-employment, or other unique information about you which you provide to us during the request process, or through the course of communicating with us about the products and services provided on our Website. We may collect this same information about all other persons when you provide it to us.
Behavioral Information-Information which is automatically collected when you use our Website. This information includes the areas of our Website that you visit, what services you access or ordered, information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other websites you have visited. When we can identify you personally through the use of this information, it becomes Personal Information.
Demographic Information-Information that may or may not be unique to you in the sense that it refers to selected population characteristics. Such information may include, but not limited to, zip code, mobile phone carrier, age, gender, salary range, education, marital status, occupation, military service, industry of employment, personal and online interests. When we can identify you personally through the use of this information, it becomes Personal Information.
Web Technology Information-Information we automatically collect from you when you visit our Website. This includes internet protocol (“IP”) addresses, browser type, internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is collected from the use of cookies, Web beacons or JavaScript.
Third-Party Information-Information about you that we acquire from a third-party which may include personal, demographic, behavioral and indirect information. This collection may also include, but not limited to, first party cookies, third-party cookies, anonymous cookies, persistent identifiers, email opt-in records and search engine keywords. We may also receive information third-parties derive from government entities which publicly post your information, such as your DMV records. We have no access or control over these cookies and other tracking devices used by third-parties including advertisers and networks, internet service providers, data analytics providers or social networks and platforms and thus, we have no responsibility or liability for the policies and practices of these parties since they are unrelated or not in our control. When we can identify you personally through the use of this information, it becomes Personal Information.
Credit Card Information and Bank Account Information. If applicable, we may, in certain instances, collect credit card number(s), bank account information and related information. When the credit card or bank account information is submitted to us, such information is encrypted and is protected with SSL encryption software. We will use the credit card information or bank account information for purposes of processing your request to be connected with third-party Lenders. As such, information will be disclosed to third-parties as necessary to complete the requested transaction.
No Information Collected from Children. We will never knowingly collect any Personal Information from children under the age of 18. If we obtain actual knowledge that we have collected Personal Information of a child under the age of 18, the information will be immediately erased from its database.
COLLECTION THROUGH COOKIES, JAVASCRIPT, WEB BEACONS.
Normally, We, as well as third-party vendors, networks, ISP(s), and supporting Advertisers, use technologies such as cookies, web beacons, session capture analytic tools, and java scripts. These technologies may collect internet protocol (“IP”) addresses, browser type, internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is used to analyze trends, administer our Website, track users’ movements through our Website, and gather demographic information about our user base as a whole. User’s movements through our Website are tracked for data privacy and compliance purposes. We may receive reports based on these technologies on an individual or aggregated basis. California residents have the right to know if we respond to do not track signals or cookies. We do not respond to such signals or cookies. Please review the following information below on such technologies:
Social Media Cookies. Our Website includes third-party social media features. These features may collect your IP address, which page you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third-party or hosted directly on our Website. Your interactions with these features are governed by the Privacy Policy of the company providing it.
JavaScript. We may also use JavaScript. JavaScript is a computer language that enhances the functionality of websites, particularly with respect to pictures. We use it to analyze and improve our Website’s functions. You may deactivate JavaScript through your browser settings or activate it the same way. However, if you disable JavaScript, you will not be able to use some of the functions of our Website properly.
Session Capture Analytics. We use third-party session capturing and replay analytic tools on this Website to enhance data privacy, user experience, and safeguard compliance. These technologies log user interactions across this Website, such as user text inputs, page visits, mouse movements, clicks, and scrolls. Our session capturing technologies do not actually screen record, but instead record the changes in a web browsers' Document Object Model as a way to further safeguard consumer privacy protection. These session records redact all HTML text nodes, user keypresses, and images before leaving a browser and during their playback, redacted text nodes and images are clearly denoted using asterisks and static gray boxes, respectively.
Web Beacons. We use electronic images known as Web Beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to our Website, measure and improve the effectiveness of advertisements and track delivery of advertising. Web Beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email message. Because Web beacons are the same as any other content request, you cannot opt-out or refuse them. However, they can be rendered ineffective by either opting-out of cookies or changing the setup in your browser.
Cookies. “Cookies” are a feature in your browser software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of our Website. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. When you visit this website again, cookies allow us to remember your settings and may be used for authentication. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to our Website, and deliver specific content to you based on your past viewing history. You can disable cookies, although our Website may not function properly for you. Your browser preferences can be modified to accept or reject all cookies or request a notification when a cookie is set. You may read more about cookies at http://cookiecentral.com/faq/.
Third-Party Cookies. We allow third-party vendors and advertisers to set their own cookies on and through our Website. We have no control over the practices of those third-parties and thus, are not responsible for their technology or tracking. We encourage you to read and review the policies of such persons or entities on their websites, which may differ substantially from ours. We use various ad services provided by Google that connect the activity on our Website with their advertising network and they may use cookies that collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please see https://support.google.com/ads/answer/2662922?hl=en. We also participate in all of Google’s Analytics Advertising. This includes: (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) Google controlled Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see https://tools.google.com/dlpage/gaoptout/. We also use Google Analytics which is an analysis service. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service using Google’s Browser Add-on here https://tools.google.com/dlpage/gaoptout/.
USE OF INFORMATION COLLECTED ON THE WEBSITE.
Communications with You. We also use the information we collect to promote our and third-party services and products to you that might be of interest to you. We also use the information we have gathered to respond to your inquiries, concerns or requests. If your request is made through a third-party, we may use the information to respond to their requests.
Providing Services and Products. We utilize the information collected on our Website to provide you with the services and or products you have requested through our forms. This may include passing your information on to a third-party service provider or marketing partner, such as a Lender to provide such services or products, or marketing partners, such as Integrated Delivery Solutions (SMS Code #21347), to present you with related offers that you have requested. Although our contractual arrangement limits how these third- parties can use your information, we do not control the privacy practices, data usage practices, and security measures of third-parties. If you have any questions or wish to remove your information from the third-party databases, you will need to contact that party directly.
Improving Our Website. We utilize the information collected to respond to any inquiries you make, operate and improve the functionality of our Website, and deliver the products and services advertised on our Website. We use the same for testing, research, analysis and product or marketing development. Our services include the display of personalized products, content, and advertising, relating to your experience and interests. This includes maintaining and improving the safety, security and integrity of our Website, databases and technology assets.
DISCLOSURE OF INFORMATION TO OTHER PARTIES.
Our Website will share the Personal Information that you affirmatively provide with third-parties and service providers as described throughout this Privacy Policy.
Product and Service Delivery. We share all categories of information set out in this policy with third-parties who help us in the delivery of the products and services you have requested from these third-parties.
Website Functionality. We share all categories of information set out in this policy with third-parties we employ to perform technical functions on our behalf. Examples may include: third-parties who host our Website, analyze our data, provide marketing assistance, and provide customer service as set forth above.
Third-Party Products and Services. We share all categories of information set out in this policy with third parties, including but not limited to, affiliated entities, service providers, such as Integrated Delivery Solutions (SMS Code #21347) and data aggregators, with your information, as these third parties may provide you with their opportunities, products, or services. Again, this includes your personal and non-personal information, and includes your interests and preferences, so they may determine whether you might be interested in their products or services.
Anonymized information. We share aggregated anonymous information about you, combined with other persons using our Website with third-parties, so that they can understand the kinds of visitors that come to our Website, and how those visitors use our Website and promotion of our marketing. This includes demographic information and behavioral information.
Acquisition or Merger. We may disclose and transfer your information to a third-party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.
Legal Process. If necessary, we disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
THIRD-PARTY COLLECTION AND USE OF INFORMATION.
Generally, third-parties collect and use information about you on or through our Website in the following way:
Advertisers. Advertising agencies, advertising networks, and other companies who place ads on our Website, may use their own cookies, Web beacons, and other technology, to collect information about you. Since we are not related or control these third-parties, we do not control the use of such technology and have no responsibility for the use of such technology to gather information about you.
Hyperlinks. Our Website and email messages sometimes contain hypertext links to websites owned by third-parties. We are not responsible for the privacy practices or the content of such other websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services, available on these third-party websites. The inclusion of a link on our Website does not imply any endorsement of the services, products or website, or its sponsoring organization. We have no control or operation over the content which may appear when being redirected to a different website.
Analytics. As described above, we use third-parties to monitor, analyze and report on the traffic to, from and within our Website and email messages.
REVISIONS TO THIS PRIVACY POLICY.
We reserve the right to make material revisions and additions to the substance of this Privacy Policy at any time and for any reason. We will post those revisions and additions through a conspicuous notice on the website so that you will be aware of our information collection and sharing practices.
DATA SECURITY MEASURES.
We strive to safeguard and protect your information with the utmost care. When you affirmatively submit information on our Website, such information is protected both online and offline. We maintain robust security measures in place to protect against the loss, misuse, and alteration of personal information under our control. The servers in which we hold your information are kept in a secure physical environment and have industry standard firewalls. Access to such servers is restricted via password protection and access by our people is limited. Currently, we use Secure Socket Layer software ("SSL") to protect data. SSL encrypts information including account number(s), and names and addresses, as they are transmitted over the Internet. It is notable that although we take commercially reasonable security precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure and thus, we can’t and don’t warrant that your information will be absolutely secure. Any transmission of data through our Website is at your own risk.
CALIFORNIA RESIDENTS STATUORY RIGHTS.
The California Consumer Protection Act (“CCPA”) provides California residents with specific rights regarding their personal information. Please click here. for a description of those rights and how to exercise those rights, including the do not sell my personal information right afforded you. Additionally, California’s Shine the Light Law provides California residents with the right to receive, once a year, information about third-parties by category with whom we have shared information about you or your family for their marketing purposes during the previous calendar year, and a description of the categories of personal information shared. California residents also have the right to know if we respond to do not track signals or cookies. We do not respond to such signals or cookies. As stated in this Policy, you have agreed to allow us to share information with third parties for their direct marketing purposes until you remove your information; and thus, you have agreed to this disclosure. California customers may request further information about our compliance with this law by sending us an email at the contact information set forth below. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.
UNSUBSCRIBE.
If you wish to unsubscribe from receiving future marketing messages from this website any time after you provide your request on this website, please visit our unsubscribe page.
CONTACT US.
If you have any questions regarding this policy, please contact: contact@expresspersonalloans.co
These Terms of Service (“Terms”) are provided on behalf of (ExpressPersonalLoans) (“We,” or “Site,” or "Website"). Please carefully review these Terms each time you use the site and if you do not agree to these Terms, you are not authorized to access or use the website and you shall not access or otherwise use the website. We reserve the right to modify these Terms at any time and for any reason in our sole discretion without notice to you except posting on these Terms and your continued use of the site thereafter constitutes your acknowledgement and consent to any and all modifications.
WEBSITE’S SERVICES.
The operators of this website offer a free infomediary service that passes the information you affirmatively provide to Lenders, advertisers, networks, and other financial service providers who may secure a loan, financial product, or service for you. When you submit a loan request on our site, we will pass your information to Lenders who may offer you a short-term loan. Although always varying, the typical short-term loans offered by lenders which you may connect with on this site are intended to provide temporary financing to resolve immediate financial needs and should not be considered long-term solutions. Providing your information on this site does not guarantee that you will be connected with a Lender or financial service provider or approved for a loan for a specific amount and we make no guarantees. The operators of this website are not an agents, brokers, or representatives for any Lender or financial service provider and therefore, we do not endorse, recommend, or warrant service or loan product and do not control the rates and fees that third-parties may charge. We highly encourage you to carefully review all terms, conditions, and repayment schedules of any loan offer issued to you by a Lender prior to accepting or declining a loan and understand that you are never obligated to accept an offer from a Lender. You may end your participation at any time during the process and are never obligated to accept a loan. Since we are not a lender or make credit decisions, this site has no accountability or knowledge of any loan terms and details you may be presented or agree to with Lenders you may connect with on this site. For information about loan specifics, contact your Lender directly. This site receives compensation from the Lenders and financial service providers whose products appear on the site or whose products may be offered to you in the form of a payment for each consumer request (“referral”) we pass to them. This compensation may impact what offers you receive from Lenders and how or where products appear on this site. This site does not include all Lenders available in the marketplace and you are encouraged to conduct due diligence prior to acceptance of any short-term loan.
It is important to for you to consider that in some cases, you may be given the option of securing a loan from a Tribal Lender. Lenders that are an extension of a federally recognized Indian Tribe are owned by independent sovereign nations and in many instances may not be required to follow local or state laws regarding finances, rates, fees and other loan terms. If you are connected to a Tribal Lender, please understand that the Tribal Lender’s rates and fees or loan terms may be higher than state-licensed lenders. Additionally, Tribal Lenders may require you to agree to resolve any disputes in a tribal jurisdiction which may affect your statutory rights.
SHARING INFORMATION WITH LENDERS AND FINANCIAL SERVICE PROVIDERS.
When You submit a loan request on this site, you acknowledge and agree that we are passing (or “sharing”) your information to Lenders and Financial Service Providers within our network in order to connect you with the services and goods you are requesting. These third-party Lenders and Financial Service Providers may store and access this information to process your loan request and potentially offer you a loan. By providing your information and allowing us to share that information, you are expressly requesting to be contacted by our site and lenders and financial service providers in our network via electronic mail (e-mail), telephone (phone call or text), and/or direct mail to assist with your loan request or present you additional related offers which may be of interest. Since we are not Lenders, after passing your information our services for you end.
CONSENT FOR LENDERS TO VERIFY INFORMATION AND OBTAIN CREDIT SCORES AND REPORTS.
This site is not a lender nor do we perform credit checks or secure credit reports since we do not make credit decisions or offer loans. However, the Lenders who receive the information you affirmatively provide on this site may use your information to verify consumer identity and perform credit checks which may impact your credit score. Lenders in our network may perform a credit checks or secure your credit score before making their decision to offer you a loan by using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. By submitting your loan request on this site, you are providing express written consent and authorization under the Fair Credit Reporting Act to allow such Lenders and third-parties to use your information in this manner (to obtain credit reports, credit scores, or other information from any consumer reporting agency) It is important to remember that non-payment of loans may impact your credit score negatively if your credit provider chooses to report delinquencies.
CONSENT TO RECEIVE ELECTRONIC MAIL, TELEPHONE CALLS, AND SMS COMMUNICATIONS.
By submitting a loan request through this site, You are providing express written consent to be contacted by this website, Integrated Delivery Solutions (SMS Code #21347), Third-party Lenders and financial service providers, and marketing partners who we pass your information to, by: (1) Telephone, at the number you have provided, whether landline or cellular, even if your telephone phone number is on any Federal or State “Do Not Call” list at the time of submission; You also expressly consent and agree pursuant to the Telephone Consumer Protection Act (“TCPA”) to receive pre-recorded calls, ringless voicemail messages, and/or calls made with an automatic dialing system; (2) Electronic Email (e-mail) at the email address you provide; and (3) SMS messaging to the mobile phone number that you provide, in which case data and messaging rates may apply. Your consent to receive marketing telephone calls and SMS is not required to use the site’s services.
LINKS TO THIRD PARTY WEBSITES.
The operators of this site are not responsible for the information practices employed and privacy practices maintained by websites linked to or from our site. Generally, links to third-party websites will have information, privacy, and security practices which differ substantially from our site and therefore you are advised to thoroughly review the privacy policies and terms of services of these sites prior to providing any of your information. The existence of such links to third-party websites should in no circumstance be considered an endorsement or recommendation of those websites or any services offered through those websites.
INTELLECTUAL PROPERTY RIGHTS, COPYRIGHTS, AND TRADEMARKS.
All software, design, text, information, content, data, databases, images, photographs, illustrations, audio and video clips, artwork, graphic material, or other copyrightable elements (collectively, “Content”) are the property our site and/or our subsidiaries, affiliates, assigns, licensors, vendors, partners, or other respective owners and are fully protected, without limitation, pursuant to copyright laws. No Content on this site may be reproduced, modified, used to create derivative works, displayed, performed, published, distributed, disseminated, broadcast, or circulated without our express prior written consent of this site. (WEBSITE) and all it’s related logos (collectively, “the Trademarks”) constitute our trademarks and service marks. Other company, product, and service names and logos used and displayed on this site may be trademarks or service marks owned other third-parties. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks found on this site without our express prior written consent. Any unauthorized use of content or trademarks constitutes a breach of these Terms. The use of any of the Trademarks as part of a link to or from any site is prohibited unless advance written approval is provided by our site. All right, title and interest in and to the Website, any content thereon, our Services, the technology related to our Services, and any and all technology and any content created or derived from any of the foregoing is our exclusive property and nothing on this site or these Terms is intended to provide any authorization or consent to its such use.
INDEMNITY
You agree to indemnify, defend, and hold this site and its operators harmless from and against any and all third party actions, suits, claims and/or demands and any associated losses, expenses, damages, costs, and other liabilities (including reasonable attorneys’ fees), arising out of or relating to your request or submission of information, use or misuse of any aspect of the Services or Site, or your violation of these Terms. You are required to reasonably cooperate in the defense of any such claim or demand. We and any third party involved in creating, producing or delivering the Site or Services reserves the right, at our sole discretion, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, at your expense, and you will not in any event settle any such matter without our prior written consent and any such third party.
DISCLAIMER OF WARRANTIES.
THIS SITE, OUR SERVICES, AND ALL ASPECTS PROVIDED ARE PROVIDED “AS IS” “WITH ALL FAULTS”, “AS AVAILABLE,” AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER IMPLIED OR STAUTORY. WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AND THIRD PARTY AFFILIATES (COLLECTIVELY, THE “PARTIES”) DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES OR GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, TO THE SITE, SERVICES, ANY DOCUMENTATION PROVIDED OR MADE AVAILABLE TO YOU, AND ANY OTHER SERVICES AND RELATED MATERIALS AND SERVICES PROVIDED TO YOU BY ANY OF THE PARTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES: (1) AS TO TITLE, MERCHANTABILITY, FITNESS FOR ORDINARY PURPOSES, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, AND WORKMANLIKE EFFORT; (2) THE QUALITY, ACCURACY, TIMELINESS, OR COMPLETENESS OF THE SITE OR SERVICES OR ANY ASPECT THEREOF; (3) THOSE ARISING THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE; (4) THE SITE OR SERVICES CONFORMING TO ANY FUNCTION, DEMONSTRATION OR PROMISE BY ANY PARTY; AND (5) THAT ACCESS TO OR USE OF THE SITE OR SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE. ANY RELIANCE UPON THE SITE OR SERVICES IS AT YOUR OWN RISK AND THE PARTIES MAKE NO WARRANTIES.
LIMITATION OF LIABILITY.
YOU ACKNOWLEDGE AND AGREE THAT ACCESSING AND USING THIS SITE AND ITS SERVICES IS AT YOUR OWN RISK. UNDER NO CIRCUMSTANCES WILL THIS SITE AND ITS OPERATORS BE HELD LIABLE FOR ANY DEFECTS, FAULTS, INTERRUPTIONS, OR DELAYS IN THE OPERATION OR TRANSMISSIONOF SERVICES, OR ANY INACCURACIES, ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED IN THE SITE OR SERVICES. UNDER NO CIRCUMSTANCES WILL THIS SITE, AND ITS OWNERS, DIRECTORS, OFFICERS, OPERATORS, AND EMPLOYEES, BE HELD LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR ANY OTHER DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, ARISING OUT OF, BASED ON, RESULTING FROM, OR IN CONNECTION WITH THE SITE OR SERVICES, THESE TERMS, OR YOUR USE OR INABILITY TO USE ANY OF THE FOREGOING, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ALL OF THESE LIMITATIONS APPLY REGARDLESS OF THE CAUSE OR FORM OF ACTION, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, TORT OR OTHERWISE, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
PRIVACY PRACTICES.
Our Privacy Policy is incorporated into, subject to, and made part of these Terms and can be viewed by clicking the following Privacy Policy
SEVERANCE.
These Terms operate to the fullest extent permissible by law and if any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of these Terms shall remain in full force and effect. The headings used in the Terms are intended for convenience only, and shall not affect the drafting or interpretation hereof or thereof.
NO WAIVER OF TERMS.
Our failure to enforce any provision of these Terms shall in no way be construed as a waiver of such or any future provision.
CHOICE OF LAW.
These Terms and their interpretation, performance, and enforcement shall be construed in accordance with the laws of the State of Nevada, except for any conflict or choice of law principle thereof that would lead to the application of another jurisdiction's laws to the rights and duties of the parties. You and this site intend for the laws of the State of Nevada to apply in any dispute or legal proceeding. Any claim you may have against the site must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred and waived.
CLASS ACTION WAIVER.
TO THE EXTENT PERMISSIBLE BY LAW, YOU AND WE (COLLECTIVELY, THE “PARTIES”) AGREE TO WAIVE ANY RIGHT TO PURSUE DISPUTES OR LEGAL CLAIMS ON A CONSOLIDATED OR CLASS-WIDE BASIS; THAT IS, TO EITHER JOIN A CLAIM WITH THE CLAIM OF ANY OTHER PERSON OR ENTITY OR ASSERT A CLAIM IN A REPRESENTATIVE CAPACITY ON BEHALF OF ANYONE ELSE IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING. YOU HEREBY ACKNOWLEDGE THAT BY AGREEING TO THIS CLASS ACTION WAIVER, YOU MAY ONLY BRING CLAIMS AGAINST THIS SITE IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.
ARBITRATION.
YOU AND WE (COLLECTIVELY, THE "PARTIES") AGREE TO SUBMIT ANY DISPUTE OR LEGAL ACTION ARISING OUT OF OR IN ANY WAY RELATING TO THIS SITE TO BINDING ARBITRATION CONDUCTED BY A SINGLE ARBITRATOR UNDER THE COMMERCIAL RULES OF THE AMERICAN ARBITRATION ASSOCIATION ("AAA") IN LAS VEGAS, NEVADA, RATHER THAN A PROCEEDING IN A COURT OF LAW. ANY AND ALL DISCOVERY SHALL BE COMPLETED WITHIN ONE-HUNDRED AND TWENTY (120) CALENDAR DAYS FOLLOWING THE APPOINTMENT OF AN ARBITRATOR. THE PARTIES SHALL BE ENTITLED TO REPRESENTATION BY COUNSEL, TO APPEAR AND PRESENT WRITTEN AND ORAL EVIDENCE AND ARGUMENT AND TO CROSS-EXAMINE WITNESSES PRESENTED BY THE OTHER PARTY, PROVIDED THAT, WHERE APPROPRIATE, THE ARBITRATOR MAY RECEIVE TESTIMONY VIA TELEPHONE, VIDEO, OR OTHER ELECTRONIC MEDIUMS OF COMMUNICATION. THE ARBITRATION AWARD SHALL BE ISSUED IN WRITING AND THE ARBITRATOR SHALL PROVIDE WRITTEN REASONS AND JUSTIFICATIONS FOR THE AWARD. THE ARBITRATION SHALL BE BINDING, MEANING THAT THE AWARD OF THE ARBITRATOR SHALL BE FINAL AND BINDING ON THE PARTIES HERETO AND MAY BE ENFORCED IN ANY COURT OF COMPETENT JURISDICTION. THE PREVAILING PARTY IN ANY ARBITRATION PROCEEDING TO ENFORCE ITS RIGHTS HEREUNDER SHALL BE ENTITLED TO RECOVER REASONABLE ATTORNEYS' FEES AND OTHER REASONABLE COSTS, INCLUDING FEES OF THE ARBITRATOR AND THE AAA, INCURRED IN THE ACTION OR PROCEEDINGS, NOT TO EXCEED TWO-HUNDRED AND FIFTY THOUSAND DOLLARS ($250,000.00). IN NO EVENT SHALL THE ARBITER AWARD PUNITIVE OR EXEMPLARY DAMAGES. THE PARTIES SHALL WAIVE ANY RIGHT THEY MAY HAVE TO AN APPEAL OF THE ARBITRATOR'S DECISION AND/OR AWARD. EACH PARTY RETAINS THE RIGHT TO SEEK JUDICIAL ASSISTANCE: (A) TO COMPEL ARBITRATION, (B) TO OBTAIN INTERIM MEASURES OF PROTECTION PRIOR TO OR PENDING ARBITRATION, (C) TO SEEK INJUNCTIVE RELIEF IN THE COURTS OF ANY JURISDICTION AS MAY BE NECESSARY AND APPROPRIATE TO PROTECT THE UNAUTHORIZED DISCLOSURE OF ITS PROPRIETARY OR CONFIDENTIAL INFORMATION; (D) FOR ANY CLAIMS OF INFRINGEMENT OR MISAPPROPRIATION OF THIS SITE'S COPYRIGHT, TRADEMARK, OR TRADE SECRETS; AND (E) TO ENFORCE ANY DECISION OF THE ARBITRATOR, INCLUDING THE FINAL, BINDING AWARD. IF ANY AAA RULE CONFLICTS WITH THESE TERMS OR THIS SECTION, THESE TERMS AND THIS SECTION SHALL CONTROL. BY AGREEING TO BINDING ARBITRATION, YOU AGREE THAT THE PARTIES ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT AND THE RIGHT TO A TRIAL BY JURY IN ANY ACTION IN ANY WAY ARISING OUT OF OR RELATED TO THIS AGREEMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, ANY PARTY TO THE ARBITRATION MAY AT ANY TIME SEEK INJUNCTIONS OR OTHER FORMS OF EQUITABLE RELIEF FROM ANY COURT OF COMPETENT JURISDICTION.
MODIFICATIONS TO THESE TERMS.
We reserve the right, in our sole discretion, to modify these Terms at any time. Changes to these Terms will become effective immediately upon the posting thereof. Please review these Terms often to keep yourself apprised of any changes. Your continued use of the Site following the posting of changes will constitute your acceptance of the revised Terms.
USE OF THE WEBSITE.
By accessing and using this site, you acknowledge and represent that you are over the age of eighteen (18) and that you are able to form a binding, legal contract as this site is not intended for use by consumers under this specified age. You further acknowledge, represent, and warrant that all information you provide through the site and its forms are accurate and your own. You agree not to use the site for any unlawful or prohibited purposes and in accordance with these Terms. We reserve the right, in our sole and absolute discretion to restrict, in whole or in part, your use of the site at any time, with or without notice for any or no reason. We reserve the right and may, in our sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities. Lastly, this site is not intended for use outside of the United States and is controlled and operated from the United States and is not intended to subject foreign jurisdiction or foreign laws.
CONTACT INFORMATION.
For questions and concerns, please contact us here: contact@expresspersonalloans.co
IF YOU ARE NOT A RESIDENT OF CALIFORNIA, THIS POLICY DOES NOT APPLY TO YOU AND PLEASE DO NOT CONTINUE.
This privacy notice is supplemental to the information contained in ExpressPersonalLoans’s (“site,” “we,” “us,” or “our”) Privacy Policy and applies solely to Residents of California (“Consumers” or “you”) who access and use, provide their information, or interact with our infomediary services and the site. This privacy notice is in full compliance with the California Consumer Privacy Act of 2018 (“CCPA”) and other applicable privacy laws of California. The terminology defined in CCPA shall have the same meaning when used herein. As part of site’s commitment to full transparency with its consumers, this privacy notice contains information regarding our practices for the collection, use, transfer, disclosure and sale of Personal Information from consumers who submit their information on this site and also provides instructions on how to exercise your statutory rights under CCPA. Statutory rights under CCPA only exist for California residents.
CALIFORNIA RESIDENT PRIVACY RIGHTS.
Only California residents, or their authorized registered designated agents, can submit a CCPA request pertaining to their Personal Information for verification and processing.
REQUEST TO KNOW HOW PERSONAL INFORMATION IS COLLECTED, DISCLOSED, OR SOLD.
California consumers have the right to request that we inform them on what Personal Information is collect, used, disclosed, and sold by this site that belongs to them. Consumers can submit their CCPA requests to be verified by this site and request to obtain the specific Personal Information we have collected about them by emailing us directly at contact@expresspersonalloans.co . Upon receipt of a consumers CCPA request, we are required by statute to verify that the requester is the same consumer with whom we have the information in our databases. To verify a consumer’s identify, we will ask the consumer’s to provide limited types of information to us for the sole purpose of verifying, which will include, but not limited to: full name, address, email address, and the last four digits of a social security number. Once we verify your CCPA request, we will disclose to you the following: (a) the categories of Personal Information we collected about you; (b) the categories of sources for the Personal Information we collected about you; (c) our business and/or commercial purpose for collecting or selling the Personal Information; and (d) the categories of third-parties with whom we passed and shared that Personal Information. To summarize, our privacy practices, as set forth in our Privacy Policy, we collect several types of information about consumers, either individually or in combinations, when they access and utilize the site, including Personal Information, demographic information, behavioral information, and indirect information. Personal Information is collected directly and indirectly from your use of this site and your interactions or communications with the site, such as your loan request to connect with third-party lenders or financial service providers. Further, this site has received monetary compensation for its disclosure or sharing of consumer’s Personal Information with: (a) affiliated entities; (b) service providers; (c) information aggregators; (d) lenders, including tribal lenders; (e) advertisers; and (f) third-parties who you have authorized disclosure to in order to be connected with services or goods. The sharing or disclosure of Personal Information was made for the following business and commercial purposes: (a) to obtain the financial services or short-term loan products you have requested on this Website; (b) to allow third-parties to market goods and services to you; (c) to resolve consumer inquiries or marketing opt-out requests; (d) to enhance this site and its user experience; (e) to preserve the security of the site and its services; or (f) to respond to any regulatory body or government requests which we are required by law to respond to. For the avoidance of doubt, Personal Information under CCPA does not include:(a) publicly available information from public or government records; (b) de-identified consumer information; (c) Information not included in the scope of CCPA; or (d) Personal Information covered by certain industry specific privacy laws, including the Fair Credit Reporting Act (“FRCA”), the Gramm-Leach-Bliley Act (“GLBA”), or California Financial Information Privacy Act (“FIPA”).
REQUEST FOR DELETION OF PERSONAL INFORMATION.
You have a statutory right under CCPA to request the deletion of your Personal Information if we have collected or maintained it in the past twelve (12) months. You can request deletion of your Personal Information from this site by directly contacting us at ccpa@expresspersonalloans.co with the Subject Line “CCPA Right to Delete”. Once we are able to verify you and process your CCPA request, we will archive your Information in a secure and encrypted, separate database scheduled for destruction in three (3) years from the date you provided the said information to the site. At this time, Your Information will be protected and no longer utilized. We are precluded from processing deletion immediately by contractual and statutory prohibitions set forth in the Telephone Consumer Protection Act, CANSPAM Act of 2003, and California Business and Professions Code Section 17529.5.
OPT-OUT OF THE SALE OF PERSONAL INFORMATION.
Consumers have the right to opt-out of any sale of their personal information by a business. If a consumer is initially requesting a product or service, such as on this site, this is an exemption from this right, and we will process your request. However, thereafter, consumers have the right to cease all further sharing of information.
NON-DISCRIMINATION.
Consumers have a right not to receive discriminatory treatment by this site for the exercise of these privacy rights conferred by the CCPA. This site will not deny you services and if applicable, will not charge you different price points or rates for services or provide you a different quality of service. However, if you exercise your statutory rights under CCPA to opt-out of the sharing or selling of your information pursuant to the practices herein, this site will not be able to provide you its services, such as passing your information to third-party Lenders or financial service providers who may secure you a short-term loan or other financial products. This is because you are requesting to opt-out of sharing of your Personal Information and not due to discriminatory reasons.
LIMITATIONS.
Consumers may only submit a CCPA request to be verified by this site twice within a twelve month period. The verifiable consumer request must: (a) provide sufficient information that enables this site to reasonably verify you are the individual about whom site collected Personal Information; (b) describe the request with adequate detail that allows this site to properly understand, evaluate, and respond to you, specifically whether you are requesting to know, requesting not to sell, or requesting to delete. Unfortunately, for security and privacy reasons, this site cannot respond to your CCPA request or provide you with Personal Information if we cannot verify your identity or confirm the Personal Information relates to you; The Personal Information you provide in a CCPA request to be verified will only be used to verify the requestor’s identity or authority.
RESPONSE TIME.
This site reasonably endeavors to respond and process verified consumer request within the statutory proscribed time of forty-five (45) days of its receipt. Should our site require more time to process your request, we will provide you written notice and further information about the disposition and extension. This notice will be provided by electronic mail to the contact you provide. Further, any disclosures this site provides will only cover the twelve (12) month period preceding a verifiable consumer request’s receipt by the site.
MODIFICATIONS.
This site reserves the right to modify, replace, and amend this privacy notice at any time and for any reason and when modifications are implemented, they will take into effect immediately upon publication and shall replace and supersede any previous policy. Your continued use of the site after such modifications shall constitute your acceptance and thus, you are encouraged to review this page each time you access or use the site.
CONTACT.
If you have any questions about this privacy notice, please contact us at: ccpa@expresspersonalloans.co
By providing your information on this site through our forms, you are requesting to be connected with third party Lenders and financial service providers who may secure you a loan or financial service or product. To pass your information to these third-parties or fulfil your loan request, ExpressPersonalLoans and these third parties may potentially be required by law to provide you with specific communications, notices, disclosures, terms, and other materials ("Communications"). Prior to, third party Lenders and financial service providers must first obtain your consent to receive these Communications electronically or in electronic form.
USER CONSENT AND SCOPE OF CONSENT.
By submitting your loan request to be connected with third-party Lenders and financial service providers, you consent and agree to receive all Communications required under law to be disclosed electronically. These Communications may be delivered to you via electronic mail (email) or online at a website designated by a Lender or financial service provider. Further, you acknowledge, agree, and consent that your electronic signature on material documents and agreements has the same effect as if you executed them in ink. The affirmative consent You are providing and set forth herein to receive Communications and conduct business electronically shall apply to the loan request submitted on this site that was intended for the purpose of being connected with third party Lenders and financial service providers who may secure loans or financial products for you. Your consent will also apply to any and all online interactions between You and any third-party Lenders or financial service providers, including but not limited to, interactions conducted via mobile device. To apply for a loan from one of the lenders you may connect with, you agree to receive all information and disclosures regarding your loan electronically. By checking the box below (the “Consent”), you agree that: (1) Any information provided to you in connection with your loan transaction, including, but not limited to, your loan agreement and legally required notices, disclosures and information, will be provided by electronic communication; (2) You may contact the lender directly to: (i) obtain a paper copy of any communication at no charge; (ii) withdraw your Consent to receive information electronically; or (iii) change the e-mail address for receiving electronic communications. There are no conditions, consequences, or fees associated with withdrawing your consent (3) To receive electronic communications in connection with this transaction, you will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protection, which provides a secure Internet connection. Netscape 4.7 and above and Microsoft Internet Explorer 5.0 and above support this feature. You will also need either a printer connected to your computer to print electronic communications or sufficient hard drive space available to save the information (e.g., 1 megabyte or more).
USER HARDWARE AND SOFTWARE REQUIREMENTS.
To access, review, and retain Communications electronically from third-party Lenders or financial service providers, you may need the following: (1) A computer with internet access; (2) An email address; (3) A printer or the ability to print the Communications; or (4) A Long term storage device (such as an external hard drive or your computer’s hard drive) to retain a copy of the Communications.
REQUESTING PAPER RECORDS.
You may, at any time, request paper copies of any Communications by contacting the third party Lender or financial service provider you are connected with directly. Since our site is not a lender, credit provider, or engaged in the lending process, we do not have access to Communications between you and your Lender. In most cases, your Lender or financial service provider may provide additional paper copies to you by request, however some Lenders or financial service providers may require a charge for these copies.
WITHDRAWING YOUR CONSENT.
Since your consent is required in order for this site to process your loan request and pass your information to third-party Lenders and financial service providers, your consent may not be withdrawn during the connecting process. Once you have connected with a Lender or financial service provider, you may withdraw your consent to do business electronically directly with those third parties directly.
CONTACT INFORMATION.
It is important to ensure you keep any third party Lender financial service provider you may connect with informed of any changes to your contact information and update them once any changes may occur. To do this, we recommend you reach out to them directly.
LEGAL EFFECT.
BY SUBMITTING YOUR INFORMATION ON THIS SITE, YOU UNEQUIVOCALLY ACKNOWLEDGE, AGREE, AND CONSENT TO THESE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY AND UNDERSTAND THE PROVISIONS WITHIN THESE TERMS. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE THIRD-PARTY LENDER OR FINANCIAL SERVICE PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST PAPER COPIES OF THE ELECTRONIC RECORDS AND DISCLOSURES. IF YOU REFRAIN FROM USING THIS SITE, THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. LASTLY, YOU ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE THIS SITE’S SERVICES AND POTENTIAL SERVICES FROM THIRD PARTY LENDER OR FINANCIAL SERVICE PROVIDERS OVER THE INTERNET.
This site is not a lender and we do not perform credit checks or secure credit reports since we do not make credit decisions or offer loans. The operators of this site offer a free infomediary service that simply passes the information you affirmatively provide to Lenders, advertisers, and other financial service providers who may secure a loan, financial product, or service for you. However, the Lenders who receive the information you affirmatively provide on this site may use your information to verify consumer identity and perform credit checks which may impact your credit score. Lenders in our network may perform a credit checks or secure your credit score before making their decision to offer you a loan by using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. By submitting your loan request on this site, you are providing express written consent and authorization under the Fair Credit Reporting Act to allow such Lenders and third-parties to use your information in this manner (to obtain credit reports, credit scores, or other information from any consumer reporting agency). It is important to remember that non-payment of loans may impact your credit score negatively if your Lender or credit provider chooses to report delinquencies.
If you wish to unsubscribe from receiving future marketing messages from our website, please complete the form below or contact us at contact@expresspersonalloans.co so that we may assist you in answering any questions you may have.
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