Terms of Service

1. Acceptance of these Terms

These Terms of Service (“Terms”) govern your access to and use of the website located at expressloans.com and its subdomains and related pages (the “Site”), owned and operated by EJB SAS (“ExpressLoans.com”, “we”, “us” or “our”). By accessing or using the Site — including by submitting a loan-comparison request — you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Site. You represent that you are able to form a legally binding contract under applicable law.

2. Who we are and what we do

ExpressLoans.com is not a lender, bank or credit union, and does not make credit decisions, originate loans, fund loans, or service loans. We operate an independent online comparison and referral service that connects your request with independent third-party lenders and lending partners (“Lenders”). We do not control and are not responsible for the products, rates, fees, terms, underwriting, decisions, funding, servicing or conduct of any Lender.

We are not your agent, broker, advisor or fiduciary, and we do not recommend or endorse any particular Lender or loan. We do not charge you any fee for using the Site. Loan products and Lender availability vary by state, and not all products described on the Site are available to all users.

3. Eligibility

To use the Site you must be at least 18 years old (or the age of majority in your state of residence, if higher), a legal resident of the United States, and able to enter into a binding contract. Lenders may impose their own additional eligibility requirements (for example, income, employment, banking, residency, or a valid Social Security number or ITIN). Meeting our eligibility criteria does not guarantee that any Lender will make you an offer.

4. How the service works

When you submit a request, you authorize us to share the information you provide with Lenders and lending partners so they can evaluate your request and present offers. Comparing offers through the Site uses a soft credit inquiry, which does not affect your credit score. If you choose to proceed with a Lender, you will typically leave the Site and complete a full application directly with that Lender; at that stage the Lender may perform a hard credit inquiry and will provide its own disclosures, agreement and privacy policy. Any loan you obtain is a contract solely between you and the Lender. We are not a party to, and have no liability under, that contract.

5. No guarantee; no endorsement

We do not guarantee that you will be approved for any loan, or that you will receive any particular amount, rate, term, or funding speed. We do not guarantee the accuracy, completeness or availability of any offer. Offers, amounts, rates and terms are determined solely by Lenders and depend on your profile and applicable state law. The inclusion of a Lender in our network is not an endorsement, recommendation, or guarantee of that Lender or its products. You are solely responsible for evaluating any offer and deciding whether to borrow.

6. Your responsibilities and representations

You agree to provide information that is accurate, current and complete, and to keep it accurate. You represent that the information you submit relates to you and that you are authorized to submit it. You agree to review each Lender’s own terms, rates, fees and privacy policy before accepting any offer, and you acknowledge that your borrowing decisions are your own. You agree to use the Site only for lawful purposes and in accordance with these Terms.

7. Consent to communications

By submitting a request or providing your contact details, you consent to be contacted by us, our marketing partners, and Lenders regarding your request and related offers, by telephone call, text/SMS message, and email at the number(s) and address you provide — including through automatic telephone dialing systems, artificial or prerecorded voice messages, and automated email — even if your number is listed on a federal or state Do-Not-Call registry. This consent is not a condition of receiving any loan, product or service. Message and data rates may apply, and message frequency varies. You may opt out at any time: reply STOP to text messages, use the unsubscribe link in emails, or contact us at contact@expressloans.com. Opting out of our communications does not opt you out of communications from Lenders you have separately contacted; you must opt out with each of them. See our Privacy Policy and E-Consent disclosure for details.

8. Relationship with Lenders and third parties

Lenders and lending partners are independent third parties. Their loan products, rates, fees, disclosures, underwriting, approval decisions, funding, servicing, collection practices, and conduct are solely their own. We are not responsible or liable for any act or omission of any Lender, for any loan, or for any dispute between you and a Lender. If you have a problem with a Lender, you should contact the Lender directly first; you may also contact us so we can review the Lender’s participation in our network, and you may contact the Consumer Financial Protection Bureau at consumerfinance.gov/complaint and your state attorney general or financial regulator.

9. How we are compensated

The Site is free for you to use. We are typically paid by Lenders and lending partners — for example, when we refer a borrower, generate a qualified lead, or when a user is connected with or clicks through to a Lender. This compensation may influence which Lenders and offers appear on the Site and the order in which they appear, but it does not change the rate or terms a Lender offers you, and you never pay us anything. Further detail is provided in our Advertiser Disclosure.

10. Intellectual property

The Site and its content — including text, graphics, logos, the “ExpressLoans” and “ExpressLoans.com” names and marks, page layouts, calculators, and compilations — are owned by EJB SAS or its licensors and are protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your personal, non-commercial use. You may not copy, reproduce, republish, scrape, data-mine, frame, sell, or create derivative works from the Site or its content without our prior written permission.

11. Acceptable use

You agree not to: submit false, misleading, or fraudulent information; submit another person’s information without authorization; use the Site for any unlawful purpose; use bots, scrapers, or automated means to access or harvest data from the Site; attempt to reverse engineer, disrupt, overload, or gain unauthorized access to the Site or its systems; infringe any intellectual-property or privacy right; or use the Site in any way that could harm us, other users, or any third party.

12. Third-party links and content

The Site may contain links to third-party websites and content, including Lender sites and informational resources. We do not control, endorse, or assume responsibility for any third-party site or content, and your use of them is governed by their own terms and privacy policies. Links are provided for convenience only.

13. Disclaimers of warranties

The Site and the service are provided “as is” and “as available”, without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free, that information will be accurate or complete, or that any Lender or offer will meet your requirements. Any informational content on the Site — including rate ranges, cost examples, calculators and guides — is for general educational purposes only and is not financial, legal, tax, or other professional advice. To the extent any jurisdiction does not allow the exclusion of certain warranties, some of the above exclusions may not apply to you.

14. Limitation of liability

To the maximum extent permitted by applicable law, EJB SAS and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the Site, any Lender or loan, or these Terms — whether based in contract, tort, or any other theory, and even if we have been advised of the possibility of such damages. Because the Site is provided to you free of charge, our total aggregate liability for any claim relating to the Site or these Terms will not exceed one hundred US dollars (USD $100). Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you.

15. Indemnification

You agree to indemnify, defend, and hold harmless EJB SAS and its affiliates, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Site, your violation of these Terms, your violation of any law, or your violation of any third-party right.

16. Dispute resolution; arbitration; class-action waiver

Please read this section carefully — it affects how disputes are resolved.

Informal resolution first. Before starting any formal proceeding, you agree to contact us at contact@expressloans.com and give us 30 days to try to resolve the dispute informally.

Binding arbitration. If we cannot resolve a dispute informally, you and we agree that any dispute, claim, or controversy arising out of or relating to the Site or these Terms will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court. The arbitration will be administered by a recognized arbitration provider under its applicable rules.

Class-action waiver. You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

Opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to contact@expressloans.com with your name and a clear statement that you wish to opt out of arbitration. If you opt out, neither party will be required to arbitrate.

17. Governing law and venue

These Terms and any dispute relating to them are governed by applicable law, without regard to conflict-of-laws principles, and subject to the arbitration provisions above. Nothing in these Terms limits the protection of any mandatory consumer-protection law of the US state in which you reside. The specific governing law and forum applicable to these Terms are stated in the agreement you accept and may be confirmed by contacting us.

18. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above, and the updated Terms take effect when posted. For material changes, we will make reasonable efforts to provide notice. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms. If you do not agree to the changes, you should stop using the Site.

19. General

These Terms, together with the Privacy Policy and any disclosures referenced in them, are the entire agreement between you and us regarding the Site. If any provision is held unenforceable, the remaining provisions remain in full effect, and the unenforceable provision will be modified to the minimum extent necessary. Our failure to enforce any provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them. Section headings are for convenience only. Provisions that by their nature should survive termination (including Sections 8, 10, 13, 14, 15, 16, and 17) will survive.

20. Contact us

Questions about these Terms? Email contact@expressloans.com, or write to us at:

EJB SAS
5 rue des Scandinaves
77700 Serris, France

For help with our service, privacy requests, or complaints, see our contact page and our privacy policy.