Legal Disclaimer

Updated: 2/15/2026

The financing providers offering services through Express Tech-Financing, LLC dba Currency have represented and warranted that each application is evaluated based on its own merits and without regard to the applicant’s race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a legal binding contract), because all or part of the applicant’s income is derived from any public assistance program, or because the applicant has in good faith exercised any right under the Equal Credit Opportunity Act. The federal agency which administers compliance with the Equal Credit Opportunity Act is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20123. Please direct any communication to:

Express Tech-Financing, LLC dba Currency
8930 East Raintree Drive
Scottsdale, AZ 85260

California

Licensed by the Department of Financial Protection and Innovation under the California Finance Lender Law License No. 60DBO54873. Issued 06/22/2016

Maine

Maine Loan Broker License #1857954 issued 11/05/2019

Maine Loan Broker License #1857954 issued 11/05/2019

Maine law requires that the disclosures below be provided to consumers before any contract is signed with, and before any money is paid to, a credit services organization or third parties.

Written Agreement or Contract

Please print out this information and save it for your records. You consent, acknowledge and agree that you have read and received a copy of this Disclosure to Consumer.

Express Tech-Financing, LLC will not act as your lender or credit provider. Express Tech-Financing, LLC provides your loan request to our lenders and our lenders will contact you with their conditional loan offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market.

Express Tech-Financing, LLC provides loan information at no cost to you. Express Tech-Financing, LLC will not charge or seek fees of any kind from you. Express Tech-Financing, LLC receives fees from lenders and may be paid by the lender based on services, goods or facilities performed or provided by us to the Lender.

This agreement remains in effect only as long as you seek to use the services offered by Express Tech-Financing, LLC. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

It is important that you read and understand all contracts related to any credit services you obtain. It is also important for you to retain a copy for your records.

Escrowing of Consumer Funds

Express Tech-Financing, LLC does not accept any fees from the consumer, including third-party fees.

Consumer Protection Bond

A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine, 04333-0035.

Maryland

Licensed by the Maryland Office of Financial Regulation, Installment Loan License Number 1857954 issued 7/30/2025. Express Tech-Financing, LLC maintains a bond with the State of Maryland, and you may have the right to proceed against the bond under any circumstances and in the manner set forth in Md. Code Ann., Com. Law, Title 12, Subtitle 1, 3, 9, or 10,

Licensed by the Maryland Office of the Commissioner of Financial Regulation, Credit Services Business License #28-125, now 1857954 issued 12/05/2019

For Maryland Consumers:

(1) As a consumer, you have the right to review any file on the consumer maintained by any consumer reporting agency, and the right of the consumer to receive a copy of a consumer report containing all information in that file as provided under the federal Fair Credit Reporting Act (15 U.S.C. § 1681g) and under § 14-1209 of this title;

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374
(866) 349-5191
www.equifax.com

(2) A copy of the consumer report containing all information in the consumer’s file will be furnished free of charge by the consumer reporting agency if requested by the consumer within 30 days of receiving a notice of a denial of credit as provided under the federal Fair Credit Reporting Act (15 U.S.C. § 1681j) and under § 14-1209 of this title;

(3) A nominal charge not to exceed $5 may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all the information in the consumer’s file, if the consumer has not been denied credit within 30 days from receipt of the consumers request;

(4) As a consumer, you have the right to dispute the completeness or accuracy of any item on the consumer contained in any file that is maintained by any consumer reporting agency, as provided under the federal Fair Credit Reporting Act ( 15 U.S.C. § 1681i) and under § 14-1208 of this title;

(5) Services provided by Express Tech-Financing, LLC is facilitating the consumer’s application for credit by arranging the consumer application to consumer lenders. This service is provided at no cost to the consumer.

(6) Accurately reported information may not be permanently removed from your file maintained by a consumer reporting agency.

(7) You have the right to file a complaint pursuant to §14-1911 of this subtitle;

Office of the Commissioner of Financial Regulation
500 N. Calvert St., Suite 402
Baltimore, MD 21202
https://www.dllr.state.md.us/finance/

Express Tech-Financing, LLC maintains a bond with the State of Maryland, and you may have the right to proceed against the bond under the circumstances and in the manner set forth in § 14-1910 of the Maryland Credit Services Businesses Act. Md. Code Ann., Com Law § 14-1905(b).

Minnesota

Licensed by the State of Minnesota, Department of Commerce, Regulated Lender License No. MN-RL-1857954 issued 09/11/2025.

Nevada

Licensed by the Nevada Department of Business and Industry - Financial Institutions Division, Installment Loan License Number IL11202 Issued 04/19/2024

New Jersey

Licensed by the Department of Banking and Insurance, Licensing Services Bureau – Banks, Consumer Lender License Number L072282. Originally issued 9/23/2019.

New Mexico: Licensed by New Mexico Financial Institutions Division. Small Loan Company License Number: 02462 Issued 11/14/2024

New York

Notice for New York Residents: A consumer report may be requested in connection with the processing of your application for credit. Upon request, you will be informed whether or not a consumer report was requested and, if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. Subsequent consumer reports may be requested or utilized in connection with an update, renewal, or extension of the credit.

North Dakota

Licensed by the North Dakota Department of Financial Institutions under Money Broker License Number MB103911 Issued 12/02/2021

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER'S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS. IF NO LOAN IS CLOSED, APPLICANT WILL NOT BE CHARGED ANY FEES OR COSTS.

Oklahoma

Oklahoma Credit Services Organization License #CSO00554. Original license issued 11/12/2019

Under the CSO Act, a credit services organization must provide the buyer with a written statement containing certain information before the execution of a contract or agreement between the buyer and credit services organization or before the credit services organization receives any money or other valuable consideration, whichever occurs first. See 24 Okla. Stat. §§ 135, 136.

Oregon

License numbers 0495-001-C and 1857954, Original license issue date of 10/16/2019

Pennsylvania

Licensed by the Pennsylvania Department of Banking & Securities Credit Services Loan Broker License Number 71603 issued 8/27/2019

South Dakota

Licensed by the South Dakota Division of Banking. South Dakota Money Lender License Number 1857954.MYL issued 08/15/2023

Tennessee

Industrial Loan and Thrift Company Registration license number 1857954 NMLS ID: 1857954. Visit nmlsconsumeraccess.org to verify license status. Issued 08/16/2022

Texas

Licensed by the Office of Consumer Credit Commissioner, Regulated Lender License Number 1800061052-162771, issued 3/23/20.

Utah

Commercial Financing Registration issued 12/28/2022. NMLS ID 1857954

Vermont

Commercial Lender license No. CLL-1857954 issued 05/10/2023
Commercial Lender License Other Trade Name #2 CurencyAir No. CLL-1857954-2 issued 05/10/2023
Commercial Lender License Other Trade Name #2 CurencyFinance No. CLL-1857954-3 issued 05/10/2023
Vermont Loan Solicitation License No. LSO-1857954 issued 05/10/2023

West Virginia: Credit Service Registration Organization License 482936 registered 10/2/2019

Wisconsin: Consumer Act Registration Number E068821, registered 05/14/2025