Terms of Use
xpasx.com, owns and operates the website located at xpasx.com (the “Site”).
xpasx.com provides and maintains this Site for your information, conditioned on your
acceptance, without modification, of the terms, conditions and notices contained in these
Terms of Use and in our Privacy Policy. By accessing and using the Site, you accept and
agree without limitation to the following:
Products and Services
xpasx.com is not a lender or lending partner and is not responsible for any
lending product advertised or offered to you, or for any credit decisions made about you.
No specific loan products are offered to you on this Site by xpasx.com. Specific loan
products are offered to you directly by the lender or lending partner.
Esign Consent
You agree that clicking “Get Cash Now” (or other such button you use to submit your form)
acts as your electronic signature. You further consent that we and any lender or lending
partner we share your request with can communicate with you electronically and that
any required disclosures may be provided to you electronically, including without
limitation any notices of adverse action that a lender or lending partner is required send to you.
You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.
SMS Terms and Conditions
By clicking “Submit”, I agree to receive informational, promotional or marketing related
SMS messages from xpasx.com and marketing partners. This is a standard rate subscription
service available on most carriers including U.S. Cellular, AT&T, Cellular One, T-Mobile,
Sprint, Boost, MetroPCS, Verizon Wireless, Alltel Wireless and Virgin Mobile.
Msg&Data Rates May Apply. Requires text-enabled handset. Carriers are not liable for
delayed or undelivered messages. You may cancel your subscription by texting STOP to 99629.
You can also get info directly on your phone by texting HELP to 99629 or contacting us at
Phone Number. Service will continue until customer cancels.
Loan Inquiry Policy
xpasx.com reserves the right to reject your inquiry at any time
for any reason not prohibited by law. xpasx.com may require additional information
or verification before your form is accepted. When you submit your information through
a form on our Site, you will be connected with a lender or lending partner for further
consideration based on the lender’s or lending partner’s policies and procedures.
This does not mean your loan has been approved. Loan approval is solely the lender’s
or lending partner’s decision. xpasx.com is not responsible for taking, approving
or denying your form. By submitting your information, you agree that if we cannot find
a lender or lending partner that can offer you the type of loan you initially requested,
we will search our network of lenders or lending partners to see if we can find other lenders
or lending partners with different loan products to help you.
Credit References
Participating lenders or lending partners may verify your social security number, driver’s
license number or other federal or state identification, as well as review your credit worthiness
through national databases that may include Equifax, Transunion, Experian and other credit bureaus.
By submitting your information to us, you agree that lenders or lending partners may obtain such
credit reports and verify your information.
Restrictions
You must be 18 years or older and a legal resident of the United States to submit a form.
You agree not to use this Site for any illegal or inappropriate activities.
Compliance With Laws
You agree to comply with all applicable laws, statutes, ordinances and regulations
regarding your use of this Site and your acceptance or purchase of products or services
through any of this Site’s third party vendors. xpasx.com may, in its
sole discretion, report actual or perceived violations of law to law enforcement
or other authorities. If we become aware of any potential or suspected violation of
these Terms of Use or our Privacy Policy, we may (but are not obligated to) conduct
an investigation to determine the nature and extent of the suspected violation and the
appropriate enforcement action to be taken. During such investigation, we may suspend
services to any customer being investigated and may delete data from our servers in order
to prevent or minimize further violations. You agree to cooperate fully with any such
investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject
you to criminal or civil penalties.
Intellectual Property
The trademarks, titles, characters, trade names, graphics, designs and other properties,
including all software, text and images appearing on this Site is the intellectual
property of xpasx.com, its licensees, or other third parties who have
authorized use of such properties on the Site.
You have permission to view and make copies of documents, pages, images or other
materials or content on this site for the sole purposes of requesting a loan.
xpasx.com reserves all other rights in this Site and its contents.
You may not distribute, display, transmit or disseminate any documents, pages, images,
materials or content without our prior written consent. Nothing contained on this Site
should be construed as conferring any right or license to any trademark, copyright or
other intellectual property right.
Limitation of Liability and Disclaimer of Warranties
xpasx.com uses commercially reasonable efforts to ensure that the
information on this Site is accurate, but accuracy is not guaranteed.
xpasx.com makes no representations regarding your use of this Site or
results that you may or may not obtain through such use.
NEITHER xpasx.com NOR ANY OTHER PARTY INVOLVED IN CREATING,
PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL,
CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO,
OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY
OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE EXCLUSIONS
AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.
Third Party Content
This Site may contain links to websites maintained by third parties.
xpasx.com is not responsible for the content or privacy policies of third party
websites, and the existence of such links should not be considered an endorsement or
recommendation of those websites, the product or service offered or any third parties
associated with those websites.
Privacy
xpasx.com’s Privacy Policy, which is incorporated herein by reference,
is applicable to any data supplied through this Site. The Privacy Policy sets out
your rights and our responsibilities regarding your personal information.
xpasx.com will not use your information in any way inconsistent with the
purposes and limitations provided in the Privacy Policy. xpasx.com reserves
the right, in its sole discretion, to modify the Privacy Policy without prior notice to you.
Modifications to the Privacy Policy are effective when posted and your continued use
of this Site signifies your acceptance of such modifications.
Security
xpasx.com uses industry-recognized technology to protect your personal information.
Although xpasx.com takes commercially reasonable measures to secure your personal
information submitted through this Site, xpasx.com cannot guarantee that your
information will not be intercepted or decrypted by others. So long as xpasx.com
uses commercially reasonable security measures, it accepts no responsibility for such
interception or decryption except as required by law.
Site Use
xpasx.com does not charge you any fees for your use of this Site or our marketplace
service. xpasx.com is not acting as an agent for (1) you, (2) any lender or lending
partner or (3) any supplier or vendor used in the evaluation of your loan inquiry or
other use of this Site. xpasx.com may receive compensation from lenders or lending
partners and other third parties for its services.
Law and Venue
xpasx.com is owned and operated by CompanyName, a Address2 limited
liability company. By using this Site or engaging with xpasx.com in any way, you
consent to the laws and jurisdiction of the Address2. These Terms of Use and the
Privacy Policy also will be governed by and construed in accordance with the laws of
Address2, without regard to conflict of law provisions. Any legal action brought
against xpasx.com (which must be via binding arbitration as set forth below) will
be governed by the laws of Address2 and you agree that the sole jurisdiction and
venue for disputes resolution will be in Address2.
Binding Arbitration
Should any dispute arise as to the interpretation of any term or provision of these Terms
of Use or with regard to any of your dealings SiteName or with any lender or lending
partner you borrow from as a result of SiteName’s service, those issues shall be decided
by binding arbitration. Arbitration proceeding shall be conducted under the applicable
rules in Clark County, Nevada. The decision of the arbitrator shall be final and binding
on both parties. The prevailing party shall be entitled to recover the cost of arbitration,
travel expenses, expert testimony, travel expenses of experts, and all other expenses
reasonably incurred in bringing or defending an arbitration claim, from the other party
unless otherwise prohibited by law.
Modification
xpasx.com reserves the right to modify these Terms of Use
from time to time and without notice to you. Your use of this Site after such
modification constitutes your acceptance of and agreement to any new or amended terms.
Indemnification
By using this Site, you agree to indemnify, defend and hold harmless SiteName,
its subsidiaries, affiliates, officers, agents and other partners and employees,
from any loss, liability, claim or demand, including reasonable attorneys’
fees, made by any third party due to or arising out of your use or attempted use of the Site.
Class Action Waiver
ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE
CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR SiteName WILL SEEK TO
HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN
ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE
CAPACITY. NO ARBITRATION OR PROCEEDING WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR
WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS. FURTHERMORE,
YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER OR LENDING PARTNER
TO WHOM YOU ARE REFERRED HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN
ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE
CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IS INTENDED TO
BE ENFORCED TO THE FULL EXTENT ALLOWED BY LAW.
Miscellaneous
Any reference to SiteName includes CompanyName. All rights not expressly granted to
you are reserved to SiteName. The headings used in these Terms of Use are intended for
convenience only, and shall not affect the construction and interpretation thereof.
SiteName’s failure to insist upon or enforce strict performance of any provision
of the Terms of Use shall not be construed as a waiver of such or any future provision or
right. If any provision of these Terms of Use is held to be invalid or unenforceable,
such determination shall not affect such provision in any other respect or any other
provision of these Terms of Use, which shall remain in full force and effect. These Terms
of Use and the Privacy Policy constitute the entire agreement and understanding between
the parties with respect to the subject matter contained herein and supersedes and replaces
any and all prior written or oral agreements related to the subject matter hereof.
Contact Information:
Company name: CompanyName
Address: Address1, Address2
Phone: PhoneNumber
Email Address: support@SiteName
INFORMATION FOR ISPs:
Website: www.SiteName
Company name: CompanyName
Email Address: support@SiteName
PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR REQUEST STATUS, YOU MUST CONTACT
YOUR LENDER OR LENDING PARTNER DIRECTLY. SiteName IS NOT YOUR LENDER OR LENDING
PARTNER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.
Notice and Take Down Procedures
If you believe any materials accessible on or from the Site infringe your
copyright or other intellectual property, you may request removal of those
materials (or access thereto) from the Site by contacting our copyright agent (identified below)
and providing the following information:
- Identification of the copyrighted work that you believe to be infringed.
Please describe the work, and where possible include a copy or the
location (for example, the URL) of an authorized version of the work. - Identification of the material that you believe to be infringing and its location.
Please describe the material, and provide a URL or any other pertinent information
that will allow location of the material. - Your name, address, telephone number and email address.
- A statement that in good faith you believe the complained of use of the materials is
not allowed by the copyright owner, its agent, or the law. - A statement that your submission is accurate and that “under penalty of perjury”
you are the copyright owner or the owner’s authorized agent. - A signature or the electronic equivalent from the copyright holder or authorized agent.
Send the above information to:
Legal Department
CompanyName
Address1 Address2
Email Address: legal@SiteName
For all email submissions, please include the subject line: DMCA Takedown Request.
