Terms of Use

Updated: 3/05/2026

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

1. TERMS OF USE AGREEMENT FOR ALL SERVICES AND THE WEBSITES

Express Tech-Financing, LLC dba Currency, requires that you carefully read, understand and agree to the following Terms and Conditions contained in this Terms of Use Agreement ("Agreement"). By accessing, browsing, or using this website, and the websites of the divisions, or service groups, or any page thereof, through any direct or indirect means (individually or collectively, "Websites" or "Website"), or by using the goods, facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail, text, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms "Website" and "Websites" include use through these alternative methods).

THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (please see sections 13 and 6). These provisions form an essential basis of our bargain. If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites. For purposes of this Agreement, "You" or "Your" means the person(s) using the Websites, and/or the goods, facilities, or services of Express Tech-Financing, LLC (Site and/or Services) and its companies offered through alternative methods, including persons that allow others to provide information about themselves to Express Tech-Financing (as defined below), the banks, lenders, financial institutions, providers, and brokers on Express Tech-Financing's network ("Lenders"), Providers (as defined in section 3). "Express Tech-Financing", "us" or "we" means, but is not limited to the following entities: Express Tech-Financing, LLC dba Currency, their affiliates, parents, subsidiaries, successors or assigns, and their collective members, managers, directors, employees, contractors, agents, and service providers.

THE DISCLOSURES AND CONSENT REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED, AND AGREED TO BY THE USE OF THE WEBSITES. Express Tech-Financing, operates the Websites and shall have the right at any time to change or discontinue any aspect or feature of the Websites and the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, or any part hereof. Such changes, modifications, additions, or deletions shall be effective immediately upon posting on the Websites. Any use by you of the Websites or the goods, facilities, or services offered in or through the Websites shall be deemed to constitute acceptance of such changes. By accessing our Sites you agree to be bound by these Terms of Use. The Sites are intended for individuals at least 18 years of age who reside in the United States and the District of Columbia. If you are under 18 years of age or reside outside of the United States or the District of Columbia, or Canada you should not be visiting this Site or utilizing Express Tech-Financing Services. If you reside in Canada, please review the terms set out at the end of clause C below. Express Tech-Financing, LLC licenses can be found on our Legal Disclosure here, and such licenses managed on the NMLS can be verified on the NMLS consumer access portal, Express Tech-Financing, LLC NMLS ID: 1857954

2. LOAN REQUEST SERVICES

Express Tech-Financing offers loan and lease request services, explained in more detail below. NOTE: Pursuant to the contracts between Express Tech-Financing and the Lenders on its network, Express Tech-Financing may also receive information from your Lender regarding the status of your application including, but not limited to, the amount or disposition of your loan. Information specific to your Lenders use of your information will be found in your Lender’s specific Privacy Policy. NOTE: You are providing express written consent for Express Tech- Financing and the selected Lender to share this private personally identifiable information for these purposes, litigation, regulatory request(s), law enforcement requests, internal analytics, and/or for marketing purposes.

A. Terms Applicable to Loan Request Services

You should rely on your own judgment in deciding which available loan product, terms, or Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that Express Tech-Financing shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by Express Tech-Financing or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any Lender directly if you no longer want to receive communications from them.

The Websites and the services provided by Express Tech-Financing are available in connection with non-mortgage loans unless otherwise specified. Loans may only be made to residents of states where Lenders are licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states or country by participating in and offering their products on the Websites. Express Tech-Financing and Lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the Websites at any time, without prior notice.

Express Tech-Financing does not guarantee acceptance into any loan program or specific loan terms or conditions with itself or any other Lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, Express Tech-Financing does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market or that they will not change before a loan agreement is signed. A Lender's conditional loan offer may be subject to market conditions, approval, and qualification. The rates and fees provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property considerations (if applicable) including but not limited to location, equity and value, and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders may not offer all products as well as not offer products in all states. You might not be matched with the Lender making any specific offer.

To help the government fight identity theft, the funding of terrorism, and money laundering activities, Express Tech- Financing and/or its Lenders may obtain, verify, and record information that identifies each person who opens an account with them. They may ask for your name, Social Security Number, address, telephone number, date of birth, and other important information that will allow them to properly identify you. During the Lenders' formal application process, they may also ask to see your driver’s license or other identifying documentation to further assist in certifying your identity.

Express Tech-Financing is paid a marketing lead generation fee by Lenders for the goods, facilities, and services provided. Your use of the Websites and/or Express Tech-Financing's services constitutes your agreement with this compensation arrangement. At closing, you will be responsible for paying for any closing costs associated with your loan (such as loan processing, underwriting, or funding fees).

B. Express Tech-Financing Loan Request Services

The Express Tech-Financing services provide multiple loan conditional offers through their networks of nonaffiliated Lenders. By submitting the loan request form and/or Express application, you authorize Express Tech-Financing to provide information provided by you or that Express Tech-Financing has or may receive from others to Lenders on their networks, along with any additional Lenders or investors necessary to complete your loan transaction. You also authorize Express Tech-Financing and its Lenders along with any additional Lenders or investors necessary to complete your loan transaction, to request from one or multiple credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to verify that your request is true and accurate. By clicking "Continue" (or any button indicating acceptance) you are certifying that all the information you have provided in your loan request is true, accurate and complete. At the present time, Fair Isaac Corporation (the company that provides "FICO" credit scores) reports that, for mortgage or auto loans, it disregards those inquiries made in the 30 days prior to the lender receiving the credit score and that beyond the 30 days, it consolidates all credit inquiries that occur within a 14-day period into one inquiry for scoring purposes. Some Lenders will require additional information prior to providing an offer. In these situations, the Lender(s) will contact you directly to discuss your loan request and to discuss the specific terms of your offer(s). In the process, you may be given the option to provide your Social Security Number and/or have your credit pulled in order to improve your Lender matches. The Lenders you are matched with may later require a Social Security Number to proceed with your loan request.

To determine which Lenders may be matched with you, Lenders provide us criteria about the type of loan (for example, loan amount or credit terms) and the type of loan customer (for example, state of residence or creditworthiness) in which the Lender is interested. Express Tech- Financing will provide your information to Lenders whose criteria match your profile.

Express Tech-Financing is not affiliated with consumer loan Lenders in any way other than as a distributor of information regarding Lenders’ consumer loan products and services. All decisions regarding any consumer loan applications submitted to Lenders are solely the right and responsibility of such Lenders.

C. Additional Terms Applicable to Auto Loan Request Services

If you request an auto loan and qualify for the Dealer Referral Program, Express Tech-Financing may also provide your information with one or more of the Lenders, Providers, or third-party marketing companies in that program. In addition, you may be matched with one or more Lenders offering unsecured loans with which you could finance your automobile, titled vehicle, or motorcycle. As such, when you click on the submit button you are consenting, acknowledging, and agreeing to a hard pull of credit by up to five lenders in relation to your automobile loan inquiry. Please note, that you are providing Written Consent for such inquiry and that this may impact your credit score. FICO (Fair Isaac Corporation) recognizes that borrowers typically shop around, and consumers are encouraged to find the best deal that works for them and their personal financial situation. That's why inquiries from multiple auto loan applications generally will not hurt your score for 30 days. Once a month has passed, the FICO scoring model treats multiple inquiries for one of those loan types as a single inquiry, provided the applications all took place within a relatively short window of time such as 45 days. That consolidation of inquiries helps limit the FICO score damage that would otherwise be caused by multiple credit checks, each counted individually. You may contact FICO online at https://www.fico.com/en/contact-us with questions.

For Canadian Residents: If you provide us with the information of another individual (such as a co-borrower), then you must take all measures, including obtaining the individual’s consent, to ensure that you have the lawful right to collect and provide their information to us and for us to collect, use, communicate, and retain the information in accordance with this Privacy Policy. If you discover any inaccuracies or if your information changes, please notify us so that we can make the necessary changes. You can also make a request to access your information that we retain. You can choose not to provide us with certain information, but if you make this choice, we may not be able to provide you with the services or information you have requested. Your information will be kept only for as long as reasonably necessary to fulfill its intended purpose or to satisfy legal requirements. We may retain your information beyond our designated retention periods due to regulatory requirements or in response to a legal matter. We do not sell personal information for monetary consideration. We do not disclose your information to companies outside of Currency business, for their own use, without consent unless required or permitted by law. In some cases, other companies may be located outside of your province or Canada and your information may be accessed or processed in those jurisdictions. These companies may be required to disclose your information to courts, government authorities, regulators, or law enforcement in accordance with applicable law in that jurisdiction.

PRIVACY: UPON CLICKING ACCEPTANCE AND SUBMITTING AN APPLICATION YOU HEREBY AUTHORIZE EXPRESS TECH-FINANCING, LLC., INCLUDING ANY PROPOSED LENDER, OR PROVIDER, OF ANY FINANCING TRANSACTION BETWEEN US AND YOU IN CONNECTION WITH THIS CREDIT APPLICATION, TO COLLECT, USE, AND DISCLOSE CERTAIN PERSONAL AND BUSINESS INFORMATION FROM AND ABOUT YOU, (“INFORMATION”), ALL IN ACCORDANCE WITH YOUR PRIVACY STATEMENT WHICH WE CAN REVIEW ON YOUR WEBSITE AT /PRIVACY-POLICY/ AND WITH CANADA’S PERSONAL INFORMATION PROTECTION AND ELECTRONIC DOCUMENTS ACT OR ANY OTHER APPLICABLE PROVINCIAL OR FEDERAL LEGISLATION. WE MAY COLLECT INFORMATION FROM AND/OR DISCLOSE INFORMATION TO OUR AGENTS, AFFILIATES, THIRD PARTY SERVICE PROVIDERS, CREDIT BUREAUS, CREDIT REPORTING AGENCIES, OTHER CREDIT GRANTORS, FINANCING PARTNERS, AND/OR ANY PERSON YOU HAVE OR PROPOSE TO HAVE FINANCIAL RELATIONS WITH, FOR THE PURPOSE OF CONFIRMING YOUR IDENTITIES, ASSESSING CREDIT WORTHINESS IN CONNECTION WITH FINANCING TRANSACTIONS, MAKING DECISIONS ABOUT CREDIT APPLICATIONS, MONITORING, EVALUATING, SERVICING AND COLLECTING ON THE ACCOUNTS RELATED TO THE GRANTING OF ANY CREDIT, AND RESPONDING TO INQUIRIES ABOUT CREDIT APPLICATIONS SUBMITTED BY YOU. UPON CLICKING ACCEPTANCE AND SUBMITTING THE APPLICATION, YOU ARE PROVIDING CONSENT TO US, LENDERS, OR PROVIDERS TO ESTABLISHING AND MAINTAINING A FILE OF PERSONAL INFORMATION AND ACKNOWLEDGES THAT WE, OR LENDERS, OR PROVIDERS MAY RETAIN ANY PERSONAL INFORMATION OBTAINED AS PART OF THE APPLICATION PROCESS WHETHER OR NOT THE REQUESTED CREDIT IS GRANTED. FOR RESIDENTS OF QUEBEC: WE ACKNOWLEDGE WE HAVE BEEN REMITTED A FRENCH LANGUAGE APPLICATION AND SUBSEQUENTLY WE EXPRESSLY REQUESTED THAT THIS APPLICATION, AND ALL DOCUMENTATION IN CONNECTION HEREWITH, BE DRAWN UP THE ENGLISH LANGUAGE. VOUS NOUS AVEZ REMIS UNE VERSION FRANÇAISE DE L’APPLICATION ET, SUBSÉQUEMMENT, NOUS AVOUS EXPRESSÉMENT DEMANDÉ QUE LE PRÉSENT APPLICATION AINSI QUE TOUTE DOCUMENTATION S’Y RATTACHANT SOIENT RÉDIGÉS EN LANGUE ANGLAISE.

D. Additional Terms Applicable to Credit Card, Personal Loan, And Commercial Loan Request Services

If you request a credit card, personal loan, or commercial loan, Express Tech-Financing may also provide your information with one or more of the lenders or Providers in that program.

Notice For California Residents: A married consumer may request separate credit. A married consumer may include a spouse’s income even when requesting for a separate account.

Notice For Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

Notice for Vermont Residents:

Under Vermont law, you are allowed to receive one free copy of your credit report every 12 months from each credit reporting agency. If you would like to obtain your free credit report from Equifax Information Services, LLC, you should contact us by writing to the following address: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281 or calling the following, 877-322-8228, or both.

(2) Under Vermont law, no one may access your credit report without your permission except under the following limited circumstances:

(A) in response to a court order;

(B) for direct mail offers of credit;

(C) if you have given ongoing permission and you have an existing relationship with the person requesting a copy of your credit report;

(D) where the request for a credit report is related to an education loan made, guaranteed, or serviced by the Vermont Student Assistance Corporation;

(E) where the request for a credit report is by the Office of Child Support when investigating a child support case;

(F) where the request for a credit report is related to a credit transaction entered into prior to January 1, 1993; or

(G) where the request for a credit report is by the Vermont Department of Taxes and is used for the purpose of collecting or investigating delinquent taxes.

(3) If you believe a law regulating consumer credit reporting has been violated, you may file a complaint with the Vermont Attorney General's Consumer Assistance Program, 104 Morrill Hall, University of Vermont, Burlington, Vermont 05405.

Vermont Consumers

Have the Right to Obtain a Security Freeze

You have a right to place a "security freeze" on your credit report pursuant to 9 V.S.A. § 2480h at no charge. The security freeze will prohibit a credit reporting agency from releasing any information in your credit report without your express authorization. A security freeze must be requested in writing by certified mail.

The security freeze is designed to help prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gains access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding new loans, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale.

When you place a security freeze on your credit report, within ten business days you will be provided a personal identification number, password, or other equally or more secure method of authentication to use if you choose to remove the freeze on your credit report or authorize the release of your credit report for a specific party, parties, or period of time after the freeze is in place. To provide that authorization, you must contact the credit reporting agency and provide all of the following:

(1) The unique personal identification number, password, or other method of authentication provided by the credit reporting agency.

(2) Proper identification to verify your identity.

(3) The proper information regarding the third party or parties who are to receive the credit report or the period of time for which the report shall be available to users of the credit report.

A credit reporting agency may not charge a fee to remove the freeze on your credit report or authorize the release of your credit report for a specific party, parties, or period of time after the freeze is in place.

A credit reporting agency that receives a request from a consumer to lift temporarily a freeze on a credit report shall comply with the request no later than three business days after receiving the request.

A security freeze will not apply to "preauthorized approvals of credit." If you want to stop receiving preauthorized approvals of credit, you should call customer service at 844-724-7376.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account, provided you have previously given your consent to this use of your credit reports. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

You have a right to bring a civil action against someone who violates your rights under the credit reporting laws. The action can be brought against a credit reporting agency or a user of your credit report."

Notice For Married Wisconsin Residents: No provision of a marital property agreement (pre-marital agreement), a unilateral statement under Section 766.59 of the Wisconsin Statutes, or a court decree under Section 766.70 of the Wisconsin Statutes adversely affects the interest of the creditor unless, prior to the time the credit is granted, the creditor is furnished a copy of the marital property agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If the loan for which you are applying is granted, your spouse will also receive notification that credit has been extended to you.

3. REQUEST FOR OTHER PRODUCTS AND SERVICES (INCLUDING FINDER/LOCATOR SERVICES)

Express Tech-Financing offers requests for other products and services on the Websites. You may be able to access these products and services when you complete a request and either (i) get matched with potential third-party providers ("Provider" includes any third-party affiliate or finder of a Provider) who will respond with conditional offers for products or services or (ii) get provided with the name and information about potential Providers who may able to respond with the requested products or services or information about the requested products or services without any offers. The Providers that can provide you with conditional offers may not respond with offers until they speak with you to get additional information. NOTE: You are providing express written consent for Express Tech-Financing and the selected Lender to share this private personally identifiable information for these purposes, collection, litigation, regulatory request(s), law enforcement requests, internal analytics, and/or for marketing purposes.

A. Terms Applicable to All Requests for other Products and Services

Express Tech-Financing does not make any decisions in connection with the products or services offered by Providers. Express Tech- Financing does not endorse or recommend the products or services of any particular Provider on any of its Websites. Express Tech-Financing is not an agent of either you or any Provider. You should rely on your own judgment in deciding which available product or service and Provider best suits your needs and financial means. The Provider is solely responsible for its services to you, and you agree that Express Tech-Financing shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such Provider products or services. You understand that Providers may keep your request information and any other information provided by Express Tech- Financing or received by them in the processing of your request, whether or not you are qualified for the product or service with them or if you acquire a product or service with them. You agree to notify any Provider directly if you no longer want to receive communications from them. Products and services may only be made to residents of states where Providers are licensed or authorized to make such products or services available. Express Tech-Financing and Providers expressly reserve the right to discontinue, suspend or terminate the offering of any product or service in any specific state through the Websites at any time, without prior notice.

The data and other information you may provide Express Tech-Financing is not, and is not treated as, an application for that product or service. Express Tech-Financing does not guarantee acceptance into any program or specific term or condition with any Provider; approval standards are established and maintained solely by individual Providers. Likewise, Express Tech-Financing does not guarantee that the terms or rates for the products or services offered and made available by Providers are the best terms or lowest rates available in the market. A Provider's products or services may be subject to market conditions, approval, and qualification. The terms and rates provided by Providers may be higher or lower depending on your individual financial profile, your location, and other considerations. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a product or service. Providers may not offer all products or services as well as not offer products or services in all states. You may not be matched with the Provider making any specific offer. Express Tech-Financing is paid a marketing lead generation fee by either the Provider or a third party "finder" (if the finder markets for or to the Provider) for the goods, facilities, and services Express Tech-Financing provided. Your use of the Websites and/or Express Tech- Financing's services constitutes your agreement with this compensation arrangement. You will be responsible for paying for any cost associated with the product or service.

4. TERMS APPLICABLE TO ALL SUBMISSION REQUESTS FOR LOAN, AUTO LOAN, CREDIT CARD, PERSONAL LOAN, COMMERCIAL LOAN, AND OTHER PRODUCTS AND SERVICES (INCLUDING FINDER/LOCATOR SERVICES) REQUEST SERVICES:

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing, or submission ("submission") you understand that you are consenting, acknowledging, and agreeing to the stated terms and conditions of that submission

When you "submit" information, create an account or otherwise register for services through Express Tech-Financing, and its website or otherwise, you understand and agree that you have established a business relationship between you and Express Tech-Financing, which is the owner of this site. By submitting any request form, you authorize Express Tech-Financing to provide information that you provided or that Express Tech-Financing has or may receive from others to Lenders, Providers, third parties or their finders, along with any additional providers necessary to complete your transaction, discuss, review or provide requested product or service information opportunities. You also authorize Express Tech-Financing and its Lenders, Providers and finders along with any additional providers necessary to complete your transaction, to request from one or multiple credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings. Accordingly, Express Tech-Financing may send your information to its affiliates as provided in the Privacy Policy and you agree that Express Tech-Financing may contact you using the information you provided with information and offers of services available through Express Tech-Financing and the Websites.

Pursuant to the agreement, Express Tech-Financing, LLC dba Currency agrees to contribute information on their account base, including but not limited to, business name, address, account numbers, total outstanding balance, severity of delinquency (if applicable), total past due, and account type (“Account Data”). Equifax may incorporate this data into the existing Equifax Commercial Financial Network (“CFN”) database. Data so incorporated (“Incorporated Data”) is Equifax data. Equifax uses Incorporated Data in the development of new risk models and such data may be included in commercial risk products (e.g., commercial credit reports or scores) sold to or shared with Equifax customers, or end users of authorized resellers, in accordance with all local and federal laws as well as the customer’s contractual obligations. Equifax does not use Account Data for any purpose other than incorporation into its commercial database. Equifax does not use Incorporated Data for its own or its customers’ marketing efforts; nor does Equifax sell CFN data, including Incorporated Data, to be used for marketing purposes by Equifax customers. At no time will the data be bought or sold to be utilized in marketing efforts by Equifax, or their customers. Equifax products and services do not identify commercial data contributors, including Express Tech-Financing, LLC dba Currency If the subject business of a commercial credit product disputes information originating from Express Tech-Financing, LLC dba Currency, Equifax may identify Express Tech-Financing, LLC dba Currency to such business’s authorized representative as part of that dispute process.

You are also indicating that you are consenting, acknowledging, and agreeing to receive important notices, disclosures, and other communications ("Disclosures and Communications") in electronic form (either by email, SMS message or via the Internet). In addition, if you proceed with a Loan Application with any Express Tech-Financing Lenders, they can provide you with the Disclosures and Communications in Electronic form.

You understand that you will need, and have access to an email address, Internet access and PDF software to review the Disclosures and Communications.

In addition, you acknowledge that we may access your credit file even if your Social Security Number is not provided and that you have received and reviewed and, where applicable, signed the necessary required disclosures.

Not all lenders will receive and/or utilize your SSN to access your credit report and/or credit score. Express Tech-Financing does not perform hard inquiries into credit, rather it does a soft inquiry to adhere to Anti-Money Laundering requirements and to assist in the identification and verification of consumers as well as to prevent fraud. Lenders to whom your application is submitted by Express Tech-Financing may perform hard inquiries, meaning that Lenders’ inquiries will appear on your credit report and may adversely affect your credit score. The information Express Tech-Financing receives from your credit report and/or credit score may be shared with Lenders and is also used by internal personnel on a need-to-know basis. From time to time Express Tech-Financing is examined by State and Federal Regulators and as such is required to maintain your Personally Identifiable Information to adhere to those requirements. Your information may also be obtained from Lenders after you are matched to adhere to state and federal reporting and record retention requirements. You authorize Express Tech-Financing and its participating Lenders to share such information as required, including for the purpose of providing you with the services for which you apply.

By submitting the request, you are extending an express invitation to each Lender, or Provider to contact you by telephone or SMS message at the numbers (whether landline or cellular) you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number(s) are on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders, Providers or other parties and you hereby consent to any such email or message so it will not be considered spam or unauthorized by any local, state or federal law or regulation.

In addition, you consent, acknowledge and agree that Express Tech- Financing, a Lender with whom you have been matched or an associated third party may use an automatic dialing system in connection with calls made to any telephone number you entered, even if it is a cellular phone number or other service for which the called person(s) could be charged for such call.

By saving your information with Express Tech-Financing or by doing a submission, you give Express Tech-Financing permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete requests, the delivery of request matches, deadlines, quality of services or other matters in connection with your request. For any product or service, you represent that all of the information you have provided in your submission and request is true and complete. You expressly consent to receive email and text (SMS) communications for marketing and collections purposes

You hereby consent to any such communication or phone calls even if your phone number is on any Do Not Call list. If at any time you do not wish to continue to receive communications from Express Tech-Financing, LLC or its Companies’, Lenders’, or affiliates’ communications, you may email your request to unsubscribe@gocurrency.com or follow the unsubscribe process within email communication sent to you. In addition, you agree to notify Express Tech-Financing Customer Care at 844-724-7376 or by emailing unsubscribe@gocurrency.com directly if you no longer want to receive other forms of communication from us.

5. COPYRIGHT, TRADEMARK, AND SERVICE MARK NOTICES

All contents of the Websites are Copyright © 2016-2023 Express Tech-Financing, LLC and/or its affiliates, parents, subsidiaries, suppliers, Lenders, or Providers, 8930 East Raintree Drive, Scottsdale, AZ 85260 All rights reserved. Other product and company names mentioned herein, including the names of Lenders, may be the trademarks of their respective owners.

Nothing on the Websites should be construed as granting, by implication, estoppel or otherwise, any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Websites, without the prior written permission of the Express Tech-Financing or the applicable Mark holder speciﬁc for each such use. The Marks may not be used to disparage Express Tech-Financing, the Lenders, Providers, the applicable third party, or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks. Use of any Mark as part of a link to or from any site is prohibited unless the establishment of such a link is approved in advance by Express Tech-Financing in writing.

The Websites contain copyrighted material, trademarks, and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music, and sound, and the entire contents of the Websites are copyrighted as a collective work under the United States copyright laws. Express Tech-Financing owns a copyright in the selection, coordination, arrangement, and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication, or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of Express Tech-Financing and the copyright owner. Elements of the Websites are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.

6. DISCLAIMERS AND LIABILITY

Express Tech-Financing intends that the information contained in the Websites be accurate and reliable; however, errors sometimes occur. The information is provided as a service to the general public over the age of eighteen and is subject to change without prior notice. In addition, changes and improvements to the information provided herein are provided "as-is" without warranty of any kind, implied, expressed, or otherwise. Under no circumstances will Express Tech-Financing be liable for any loss or damage caused by your reliance on information obtained through the Websites. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any information, opinion, advice, or other content available through the Websites.

THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH THEM ARE PROVIDED "AS IS". EXPRESS TECH-FINANCING AND/OR ITS SUPPLIERS, LENDERS OR PROVIDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITES AND/OR EXPRESS TECH-FINANCING SERVICES IS AT YOUR OWN RISK. EXPRESS TECH- FINANCING AND/OR ITS SUPPLIERS, LENDERS OR PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR EXPRESS TECH-FINANCING'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO EXPRESS TECH-FINANCING RECORDS, PROGRAMS OR SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF EXPRESS TECH-FINANCING AND/OR ITS SUPPLIERS OR PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

7. ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY

Express Tech-Financing, Lenders, and Providers may choose to electronically deliver all information related to its services and your requests. Express Tech-Financing, Lenders, and Providers electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of Express Tech-Financing, Lenders and Providers.

You agree to receive all current and future notices, disclosures, communications, information and to do business electronically with Express Tech-Financing, Lenders, and Providers. This means that Express Tech-Financing, Lenders, and Providers may communicate with you by sending a message to the email address or telephone number you provided or at another address or telephone number that may be associated with you that we receive from Lenders, Providers or other parties. You agree that you meet the below technical requirements and can access and retain copies of notices and information sent or made available electronically.

You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Express Tech-Financing Customer Service at 844-724-7376, contacting your dedicated loan representative or by emailing Customerservice@gocurrency.com

Technical Requirements:

To access and retain information and notices we send or make available to you electronically, you will need: Internet access with 128-bit encryption Adobe Acrobat Reader 6 or higher Ability to Print Internet Explorer 6 or higher Netscape 8.04 and above (Use in IE mode) Email Access or Firefox version 1.5 You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Express Tech-Financing Customer Service at 844-724-7376 or by emailing Customerservice@gocurrency.com.

8. PRIVACY POLICY

The Express Tech-Financing Privacy Policy, hereby incorporated by reference into this Agreement, explains the policy applicable to the information that is collected through the Websites or received directly from you.

9. INDEMNITY

As a condition of use of the Websites and/or Express Tech-Financing's services, you agree to indemnify and defend Express Tech-Financing and its suppliers, Lenders, or Providers from and against all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of the Websites, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

10. LIMITATION ON DAMAGES

In no event will Express Tech-Financing have any liability to you in excess of actual compensatory damages. You irrevocably waive any claim to direct, indirect, special, consequential, punitive, or exemplary damages.

11. LINKS TO THIRD-PARTY WEBSITES

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. Express Tech-Financing does not operate or control in any respect any information, software, products, or services available on such websites. Express Tech-Financing's inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. When you leave the Websites, please note that Express Tech-Financing is not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.

12. ERRORS AND DELAYS

Express Tech-Financing is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control.

13. DISPUTE RESOLUTION

Any claim or controversy arising out of or relating to the use of the Websites, to the goods or services provided by Express Tech-Financing, or to any acts or omissions for which you may contend Express Tech-Financing is liable, including but not limited to any claim or controversy as to arbitrability ("Dispute"), shall be ﬁnally, and exclusively, settled by arbitration. The arbitration shall be held before one arbitrator under the Supplementary Procedures for Consumer Related Disputes of the American Arbitration Association ("AAA") dated September 15, 2005. The arbitration shall be venued in a location reasonably convenient to the consumer. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the parties shall agree on an arbitrator mutually agreeable to both parties. Should the AAA decline to accept a matter submitted for individual (non-class) arbitration under these Terms of Use, the parties shall jointly select another arbitrator. In the event the parties are unable to agree on a neutral arbitrator, the claimant may ﬁle suit in any court of competent jurisdiction solely for the purpose of requesting the appointment of an arbitrator for individual (non-class) arbitration, as provided for in Section 5 of the Federal Arbitration Act. To begin the arbitration process, a party must make a written demand therefor.

Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of arbitration under this agreement with arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND Express Tech-Financing WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT BY A JUDGE OR JURY. You are entitled to a fair hearing, and the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using Express Tech-Financing's goods, facilities, and services, you consent to these restrictions.

Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Express Tech-Financing, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Scottsdale, Arizona. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys' fees.

14. OTHER TERMS

This Agreement (which hereby incorporates by reference any other provisions applicable to the use of the Websites, including, but not limited to, any supplemental terms governing the use of certain speciﬁc material contained in the Websites and any operating rules for the Websites established by Express Tech-Financing) constitutes the entire agreement between you and Express Tech-Financing and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Express Tech-Financing with respect to the Websites and information, software, products, and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of Arizona, excluding its conﬂict of laws principles. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

15. Contacting Us:

If there are any questions regarding these Terms of Use, you may contact us through the following methods:

Email: terms@gocurrency.com
Phone: 844-724-7376
Mail:
Express Tech-Financing, LLC dba Currency
8930 East Raintree Drive,
Scottsdale, AZ 85260
United States