Terms of Use

TERMS AND CONDITIONS
Xpress Loans USA, LLC (REFERRED TO AS THE “COMPANY”, “WE”, “US” OR “OUR”, AS APPLICABLE) PROVIDES YOU WITH ACCESS TO THIS WEBSITE LOCATED AT https://xpressloansusa.com/ (THE “SITE”) SUBJECT TO THESE TERMS AND CONDITIONS OF USE (“TERMS AND CONDITIONS”). PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE SITE. THESE TERMS AND CONDITIONS GOVERN YOUR USE OF THIS SITE. BY ACCESSING AND USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ANY UPDATES HERETO. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, DO NOT ACCESS OR USE THIS SITE.

SCOPE
These Terms and Conditions govern your use of this Site and all applications, software and services (collectively, “Services”) available on this Site, except to the extent such Services are the subject of a separate agreement.

AGE
Only persons who are over the age of majority and who can form legally binding agreements may use this Site.

MINORS
This Site is not directed at children under the age of thirteen (13). Xpress Loans USA, LLC does not knowingly collect personal information from any child under the age of thirteen (13) at this Site

LAWS AND REGULATIONS
Your use and access of this Site is subject to all applicable federal, state and local laws and regulations.

VIOLATIONS OF TERMS AND CONDITIONS
We reserve the right to seek all remedies at law and in equity for violations of these Terms and Conditions, including the right to block access to this Site from a specific IP address.

MODIFICATIONS
We may revise and update these Terms and Conditions at any time. Your continued usage of the Site after any changes to these Terms and Conditions means you accept those changes. Any aspect of the Site may be changed, supplemented, deleted or updated by us with or without notice at our sole discretion.

CONTENT
The contents of this Site, including its “look and feel” (e.g. text, graphics, logos, images, and button icons), HTML code, editorial content, notices, software and other materials (collectively, the “Content”) is protected by United States patent, trademark and other laws. The Content belongs to us or to other parties as indicated. You may not modify, copy, distribute, transmit, display, publish, sell, license, create derivative works from or use any Content available on or through the Site for commercial or public purposes without the written permission of the Company. You may print or download a copy of the Content for your personal use as long as you keep intact all copyright and other proprietary notices. All rights not granted herein are reserved to the Company and its licensors.

LINKED SITES
The Site may include links to third party websites and resources from time to time. The inclusion of any such link is provided solely as a convenience to you, and we make no representations or warranties regarding any such linked site or any content or services provided at such linked site.

USE OF COOKIES
We reserve the right to store information on your computer in the form of a “cookie” or similar file for purposes of modifying the Site to reflect your preferences. The Privacy Policy provides additional information regarding our use of cookies as well as procedures for disabling cookies.

SUBMISSIONS, REVIEW, FEEDBACK AND OTHER POSTING TO THE SITE
Any personal information you submit to us via this Site is governed by the Privacy Policy. If you submit, upload or post any comments, ideas, suggestions, information, files, images or other materials to us or the Site, or if you submit any materials through third party services, such as by tagging us on social media platforms, such as Instagram, Facebook, Twitter, and YouTube (collectively, “Submissions”), you represent and warrant that you are the owner of or have the necessary rights and licenses to provide such Submissions and you further agree to, and hereby grant to us, a royalty-free, irrevocable, and fully transferable right and license to use the Submissions at our discretion and to use your name as provided in connection with your Submission or as set forth in your account. Please do not to provide any Submissions that (i) are abusive, unlawful, obscene, or harmful, or that could encourage criminal or unethical behavior, (ii) violate or infringes the intellectual property or privacy rights of any person or entity, or (iii) contain or transmit a virus or any other harmful component. We take no responsibility and assume no liability for any Submissions provided by you or any third party, and under no circumstances shall we be liable for any user Submissions, including, but not limited to any loss or damage that results from the Submissions being transmitted or made available on the Site or through the use of the Site and Services. Jaber Loan Services shall not be subject to any obligations of confidentiality regarding such Submissions except as may be agreed in writing by Xpress Loans USA, LLC or as otherwise specifically required by law.

TEXT MESSAGE POLICY
When you provide us your cell phone number and opt in to our text messaging program, you have provided us with express consent to send you text messages about your loan, such as payment reminders. You may also opt in to receive marketing messages about other services we offer, including special offers you may be eligible for. Your cellular provider’s message and data rates may apply to our confirmation message and all subsequent messages. We do not charge you for any text messages we send you. You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person. We may terminate our text message program at any time. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us at 1-915-320-8144 or by clicking here.

By opting in, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including with the use of automatic telephone dialing systems, autodialers, or an artificial or prerecorded voice.

TEXT MESSAGE OPT-OUT OR STOP
If you wish to stop receiving marketing text messages from us, reply to any marketing text message we have sent you with STOP. If you wish to stop receiving account maintenance text messages from us, such as payment reminders, reply to any account maintenance text message we have sent you with STOP. If you wish to stop receiving all text messages from us, type STOP ALL in the reply text you send us. Your stop request will become effective within one day.

CHAT
In connection with any product or service Xpress Loans USA, LLC may make interactive online chat (“Chat”) service available to you. Xpress Loans USA, LLC makes no warranty that Chat service will be available at any particular time or be free of fault or error. Xpress Loans USA, LLC provides the Chat service as a convenience to facilitate your understanding of Xpress Loans USA, LLC products, services, and online applications related to those products or services. Our Chat service agents endeavor to provide you with accurate and current information based on your question or need. No communications during the Chat service shall be considered a legal agreement, representation, or warranty as to our products or services, and the underwriting and delivery of same. You will not use the Chat service to send any abusive, defamatory, dishonest, or obscene message, and doing so may result in termination of the Chat service session.

SOCIAL MEDIA PLATFORMS
Our Websites’ web pages may embed plugs-ins, widgets, or other apps of various social media platforms, such as Instagram, Facebook, Twitter, and YouTube. An example of such a plug-in is Facebook’s “Like” button. When you encounter those embedded objects, your internet browser may make a direct connection to the social media platform’s service and may share information such as which of our Websites you have visited. Our Websites may also be made available through third party social media platforms.

Your participation with the services provided on social media platforms is voluntary. If you choose to sign on using this service, Xpress Loans USA, LLC may collect certain information from your social media account including your public profile, user name, email address, birthday, stated location city, contact lists, and other interactions on that social media platform (such as interests and likes). The information we may have access to will vary by social media platform and is controlled by privacy settings on that platform and your choices on that platform. Your use of services on third party social media platforms are governed by the privacy statement and other terms of use for that third party social media platform, until such information is shared with us, and then such information is also subject to the Privacy Policy.

CONSENT TO BE CONTACTED
By submitting your contact information to us, you are expressly consenting to be contacted by us by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.

We may contact you for application and loan servicing, including without limitation, for matters related to your loan or application; remind you of upcoming payments; collections and other loan-related issues.

By submitting your contact information or by registering for an account, or applying for a Service or beginning an application for a Service, you are consenting to be contacted by us by written notices, email messages, text messages, or telephone, at any email address or mailing address we have for you in our records or from other public and nonpublic databases we may lawfully access, and, in connection with any such telephone calls, you consent to the use prerecorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your account, including mobile telephone numbers that could result in charges to you for matters related to your loan or application, such as reminding you of upcoming payments, collections, and other loan-related issues. Where allowed by law, we also may contact other individuals who may be able to provide updated employment, location and contact information for you.

You hereby further consent that we may utilize third party service and other providers for the purposes of contacting you on our behalf in accordance with the Terms.

You may change your contact preferences by contacting us at 1-915-320-8144x or by clicking here.

ELECTRONIC COMMUNICATIONS
By using the Site, you agree that Internet transmissions are never completely private or secure. We take commercially reasonable measures to protect the security of information electronically transmitted to us through the use the information forms integrated into our Site. However, we advise you to exercise caution when sending us email through the Internet. You understand that any message or information you send through email may be read or intercepted by others. For example, email may be intercepted by a third party. Please do not use email to send us confidential or privileged information (such as social security numbers, bank account numbers, etc.) or information we have required you to send us in writing. You agree that we have no liability for any losses or damages you incur as a result of a third party intercepting and using without authorization any information transmitted by you via an unsecured email. When you send e-mails to us, you are communicating with us electronically, and you consent to receive responsive communications from us electronically via email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You agree that we may send email to you for the purpose of advising you of changes or additions to this Site.

SWEEPSTAKES & OTHER PROMOTIONS
From time to time, Xpress Loans USA, LLC may conduct promotions on or through the Site, including without limitation, contests, sweepstakes and other promotions (“Promotions”). Each Promotion may have additional terms and/or rules of participation (“Promotion Rules”), which will be posted or otherwise made available to you. The Promotion Rules for each Promotion in which you participate will be deemed incorporated into and form a part of these Terms for the Promotions. It is your responsibility to read the Promotion Rules to determine whether or not your participation, registration, or entry will be valid or restricted, and to determine your participation requirements.

WARRANTY DISCLAIMER
THIS SITE, INCLUDING WITHOUT LIMITATION, ANY INFORMATION, CONTENT AND SERVICES MADE AVAILABLE ON THIS SITE, ARE PROVIDED “AS IS.” THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE WHATSOEVER REGARDING (I) THE CONTENT OR SERVICES OF THE SITE OR LINKS TO OTHER OUTSIDE WEB SITES; OR (II) THE ACCURACY, COMPLETENESS, SECURITY, AVAILABILITY OR TIMELINESS OF THE CONTENT, INFORMATION OR SERVICES PROVIDED ON OR THROUGH THE USE OF THE SITE. THE COMPANY, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT YOUR ACCESS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE MATERIAL ACCESSIBLE FROM THE SITE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

LIMITATION OF LIABILITY
THE COMPANY IS NOT LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELAY, DEFECT IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

INDEMNITY
You agree to indemnify, defend and hold harmless the Company and its officers, directors, employees, and agents from all claims and against all losses, expenses, damages and costs, including reasonable attorney fees, arising out of or related to your access or use of the Site or the Services offered through the Site, your inability to access or use this Site or the Services offered through the Site, or use by a person accessing the Site using your name and password.

GOVERNING LAW
The Services arranged through this Site are available only at the Locations identified in this Site. This Site and these Terms and Conditions shall be governed by and will be construed in accordance with the laws of the State in which you reside, excluding its conflicts of law principles.

GOVERNING LANGUAGE
To the fullest extent permitted by law, the controlling language for these Terms and Conditions is English. Any translation of these Terms and Conditions has been provided for your convenience only

GENERAL
To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as modified, will remain in full force and effect. This is the entire agreement between you and us relating to the subject matter herein.