This Privacy Policy regulates the association of the personal and non-personal information provided to Equator Tech LLC dba Exprebucs (“Exprebucs”). If the User has already shared their information with Exprebucs and wants to rescind details from records maintained by Exprebucs, the User can contact us at: cs@exprebucs.com .
Only legal residents of the U.S. who are 18 years old or older are permitted to use the services provided by Exprebucs. Our website’s and platform operations are in compliance with local, state, and federal laws within the U.S. Therefore, when a User willingly submits information for registration purposes through the online form (and, thereby, accepts this Privacy Policy and the Site’s Terms of Use), the User verifies that they understand that the information’s usage is determined by those such documents. Consequently, every User is encouraged to review the documents in depth before providing any information on the Site.
If You misunderstand or disagree with this Privacy Policy or the Terms of Use (and/or decline to accept these documents’ provisions), You should stop using our Website’s services. What’s more, You should not fill out the Site’s online registration form, nor should You submit Your information to the Site in any way. If You need clarification regarding how to use the Site, or its services, You may contact us via email at cs@exprebucs.com . You may also reach us in writing to us at the following address: Equator Tech LLC, 17 Corporate Plaza Dr #488, Newport Beach, California 92660, United States. If You willingly decline to use this Website as per our terms, close this page.
For registration purposes, You must provide the Website with Your personally identifiable information (PII) via our online registration form. The way the PII is obtained, saved, disclosed, and used is regulated by this document’s provisions. This PII is crucial in order to provide You with the service we provide. If You are not in need of the Site’s service, or if You decide to stop using the Site, You should not submit Your PII on the Website. PII includes (but is not limited to) Your full name, home address, telephone number, email address, Social Security Number (“SSN”), employment and banking information, and other information necessary to verify Your ID.
Note: Your banking information and SSN are only used for the matching and searching service that You have requested. This information is never shared by third parties unless required by law or ordered by authorized parties (for instance, due to an issue of national security).
Besides PII, we collect non-personally identifiable information (NPII) from You whether or not You submit any personal information to the Site. Some examples of NPII include Your behavioral data, like IP data, geolocation, OS, browser details, referral and exit pages, ISP, date and time data, etc. These details may be sent to third parties that we are under contract with, with the exception of You hiding Your NPII or directly requesting us to cease using Your NPII.
Device permission:
Loan application form:
Images and Videos:
Our application (hereinafter referred to as "the App") may require users to upload images or videos.Rest assured that only the media you explicitly choose will be utilized. These selected pieces of media are exclusively employed for the following purposes:
Call Log Authorization:
We obtain, save, disclose, and use Your PII information under this document’s provisions. All of the PII You provide is safeguarded using our security methods and encryption. By submitting Your information to the Site, this is considered as willingness to considered for a loan by Exprebucs. Furthermore, the information collected by the Site may be used to get in contact with You regarding marketing information on services and products that You showed interest in. We can also use Your information to protect You from Internet-based fraud and potentially malicious activity. We will obtain, save, disclose, and use Your information only if You express consent by clicking the related button or checking the box of consent – both actions authorize the Site to use Your information.
Some of the PII You provide (not including Your SSN, banking information, or other highly sensitive information) can be disclosed to some contracted third parties if technical expertise is necessary. These authorize third party contractors are held liable for securing Your information. They may not use Your information in any other way except for what is outlined in the agreement we form. Furthermore, they may not share Your PII with other third parties. The activities that are carried out with Your PII are bound by the regulations of this document and other formal documents on the Site. The activities must also be compliant with the USA’s legislation and any applicable international laws. Furthermore, Your PII may be shared with credit priors for consumer reporting due to Your previous authorization. Lenders carry out this action in a prerogative manner and are thereby regulated by legal documents regarding Your communication with financial providers and Your lender – this action would have nothing to do with the use of this Website or its services, nor with this Privacy agreement.
Your PII can be disclosed partially or completely upon request by government entities, as well as with any authorized organization or authority, so long as the disclose is legal and necessary for the following reasons:
If the owning company and its assets are acquired, merged, purchased, or consolidated, Your PII may be conveyed and disclosed to the receiving party during those actions. If the owning company is liquidated, and if a court’s decision on insolvency takes place, the liquidating party or its authorized representatives may sell, transfer, license, or dispose of Your PII in compliance with the regulations laid out by the court’s decision. In such a case, it is possible that the Website’s PII owners will receive upfront notification regarding the forthcoming modifications and procedures. Alternatively, such notification may be openly published on the Site. It is possible that mergers, acquisitions, and other such modifications may be associated with a company that is not located in the U.S.
Your PII could possibly be partially (not including SSN, banking information, and other sensitive details) shared for marketing purposes with third party lenders, advertisers, and marketers that we are under contract with. In such cases, the receiving party may use this provided information in addition to disclosing it to other third party marketers who would like to present You with products that You have expressed previous interest in when providing Your information. If You do not wish to receive these marketing offers and/or messages, You can opt out by unsubscribing and rescinding Your information from the third party marketers’ lists. There will be an unsubscribe option (a button or a link) in the messages that You receive from these marketers. Marketing activities can take place via direct mail, online banners, short messages, emails, telemarketing calls, etc. Besides that, Your information may be used to track Your Internet activity, in addition to collecting Your online searching and behavioral information. Such activities are typically performed in order to greaten the quality of the services that You are presented with online and to adjust marketing activities so that they meet Your needs and requirements.
Note that the method in which third party marketers make use of Your information is subject to their own legal documentation and regulations therein, including (but not limited to) their privacy policies and terms of use of their services and websites. Due to this, and because we are not accountable for how these parties use Your information, we encourage You to review how these third-party marketers would use Your information according to the provisions laid out in their legal documentation. If You would like to rescind Your information from the third party marketing databases or lists, contact them directly.
By continuing to use the application and by attempting to use the services presented by the app, You submit Your express agreement that You have reviewed and understood the legal documents’ provisions, which regulated how Your information is used on the Site. You also agree that You have read the terms of how Your PII is obtained, saved, disclosed, and used and how it can be used by third party marketers and lenders.
If You wish to cease contact with us and to stop receiving information from us, You must close this and other pages from this website. If You have already provided us with Your personal information and You want to opt out from any further communications (and rescind Your information from our database and lists), You may contact us directly and relay the request. Contact us by sending an email to cs@exprebucs.com or via another form of contact indicated on the Site. After Your request is processed, Your personal information will be removed from the Website’s database. Once Your information has been taken out of the database, we guarantee that it will not be further shared with any third party, used in any secondary purposes, or used in marketing endeavors. However, since Your personal information has already been disclosed to third party marketers, we cannot control the communication that is sent to You from these parties. In order to remove Your information from their marketing databases, You should contact the marketers directly.
The information that is disclosed to our vendors may be used in order to verify Your identity (for instance, via driver’s license number or SSN). The information can also verify Your information when compared to national databases. Furthermore, the vendors that we are under contract with might need to proceed with credit verification and request a credit report from credit organizations by using Your PII. These organizations include but are not limited to the biggest credit bureaus. This activity is used in order to determine Your level of credibility and the risks inherent to providing You with credit products. Requesting Credit reports may decrease Your credit score. If You decide to continue using the Site and You submit Your information to the Website’s online form, You are giving Your express agreement to have Your information verified and Your credit checked in compliance with these third party lenders’ legal documents that are used to regulate their communication and practices with You.
If You agree to our Terms of Use and this Privacy Policy document, You agree that we (and the third party marketers and lenders with whom Your information is disclosed) may utilize Your PII for advertisements – including (but not limited to) telemarketing and email advertising.
Your PII may be used for communication, both indirect and direct – including (but not limited to) assistance calls, telemarketing calls, and service/credit product offers via the phone number that You provided in the Website’s online for. We, in addition to third party marketers and lenders, can use this telephone number even if it is listed on any federal, corporate, or state Do-Not-Contact registry, a suppression list, or similar databases. Because You have turned in the information via an online form in attempt to fulfill a purchase or receive a service, Your request’s application and processing will be performed according to the regulations outlined by the Amended Telemarketing Sales Rule (ATSR), 16 CFR §310. Under the ATSR, even if Your phone number is on FTC’s Do-Not-Call List, we may still get in contact with You via telemarketing because of Your freely given consent.
Because Your request for the Website’s services and to third party marketers is considered to be an attempt at making a purchase, the ATSR authorizes these third party marketers to contact You with telemarketing.
By providing Your consent to use the Site and by giving Your information in order to use our services, You are confirming that You are at least of the age of 18. Furthermore, You confirm that You are legally able to use and own a mobile device. You agree that You fully understand the possible monetary charges that may come with Your participating in any telemarketing activities. Your mobile device’s service provider might also obtain Your information. The interaction and processes with Your device’s service provider are regulated by legal documents put forth by these organizations. Such documents are not related to this Privacy Policy, nor are they connected to any other of this Website’s regulating documents.
If You opt-in to use the services of the Website or those of contracted third party marketers and lenders, You could be subject to cookies, pixel tags, web beacons, web server logs, and browser analysis tools. These small pieces of code are used to record and monitor Your Internet activity – for instance, Your geolocation, IP address, browsing and click history, language preferences, online behavior, OS, and browser settings. All of the aforementioned data is considered to be NPII (non-personally identifiable information). NPII is gathered and stored to customize Your online experience.
Cookies are small, unique files that are assigned to Website users by the Site server. The assignment happens when the users visit and fulfill activities (linking, clicking, etc.) on the Website. When the cookies are installed on Your computer, they collect data about Your online behavior and browsing habits, and send it to us – as well as to third parties that are permitted to collect this data. Cookies use user recognition in order to analyze Your preferences and modify Your services accordingly. Cookies are also able to prevent security breaches by detecting fraudulent and malicious activity.
Temporary and permanent cookies are of different size and longevity. Temporary (or session) cookies are utilized for a unique Website operation and are thereafter erased once the User closes out the Site or the web browser. Permanent cookies are stored for a longer period of time, and they remain in place after the User leaves the Website or shuts the web browser. You can access Your web browser’s options in order to manually set Your cookies preferences. If You consider it to be necessary, You can delete Your cookies.
Web beacons and pixel tags are placed on applications in order to monitor user activity. Such features record the user’s session activity and, thus, enable the Website/Applications to adjust and improve their promotions and marketing campaigns to better meet the User’s needs. You can find more information about beacons here: www.webopedia.com/TERM/W/Web_beacon.html.
Log files are files that are collected and that store information regarding Your IP address, ISP, browser and platform type, date/time data, click records, exiting and referring pages, and so on. Such files are used to improve Your Website experience.
We have established different practices for using Your information in order to effectively manage privacy. Besides techniques that are used to improve Your Website experience, we provide You with the options necessary to place limits on the amount of information You share with us. We also make it possible for You to rescind Your information from the Website’s records upon request.
If You do not wish for Your NPII information to be obtained, saved, disclosed, or used, You should immediately exit the Site. However, it is possible that tracing files such as cookies and beacons are installed automatically. To delete these cookies, adjust Your settings, accept or reject future cookies, and remove cookies from Your computer altogether, You will need to access Your browser’s option page and change Your preferences accordingly.
Because Do-No-Track protocol has not yet been established, our privacy management and information security procedures are aligned with this Privacy Policy and related Website documents, despite any flags from Do-Not-Track activity. [If You would like to opt out from sharing Your NPII with specific third parties s You will need to email us at cs@exprebucs.com ]
Alternatively, You can opt out from online tracking of Your behavior by unsubscribing from third party marketers’ email lists via the unsubscribe links/buttons.
The website obtains, saves, discloses, and uses Your PII under strict compliance with privacy and security protection practices. We protect Your PII and all activities performed on our Website from all attempts of fraud, malicious activity, unauthorized usage, and other dangerous web practices. We use physical, electronic, and managerial tactics to provide all Website users with protection against the loss, unauthorized modification, misuse, and destruction of any User information.
We limit the access that anybody could receive to Your PII. Your PII is shared only with parties that have been outlined in this Privacy Policy and other regulative Website documents – and for parties that are authorized under relevant laws. Inside the company, only authorized users are able to access Your PII. Your PII is never used publicly. Every party and employee that has access to Your information is obligated to provide as much protection and security as is reasonably possible. There are disciplinary actions set in place for non-compliance.
However, no Website can guarantee that Your web experience will be completely secure with absolutely no violation taking place. The Website’s owner cannot take responsibility for security breaches, illegal activities, and modified or stolen data that takes place outside of the owner’s control. If You would like to guarantee that Your information is protected from any outside malicious activity, You may submit a request to rescind Your data from any database or listing that You believe is insecure. Third party marketers who are authorized to receive Your PII are responsible under contract to protect Your data as much as is reasonably feasible. We use multiple methods to verify that our partners are diligently upholding their information security procedures. If there is a violation that takes place, any relevant regulations and laws are carried out to manage the situation and to prevent potential negative consequences.
The Website shall never voluntarily collect information from children who are under 18 years as age, as it is strictly banned. The Site uses filters to detect if somebody under the legal age is attempting to provide the Website with information. If we detect that PII received belongs to somebody under the age of 18, we will delete the information immediately. We comply with the Children’s Privacy Protection Act (COPPA), and thus do not voluntarily obtain, save, disclose, or use PII belonging to users younger than 18.
As outlined under the Federal Electronic Signatures in Global and National Commerce Act, Users who provide their consent and e-sign any electronic documents thereby express their agreement to receive disclosures, documents, and notifications in e-format. They also agree to provide information through electronic methods and allow this information to be shared in accordance with the Application Privacy Policy, Terms of Use, and other regulatory documents, When a User send the Website information, they are giving consent to receive e-disclosures, e-notifications, and e-documents in addition to the Website’s directly provided information and third party marketing and lending e-communications. Any e-communications received after You have given Your e-consent is considered to have the same force and effect of “in writing” documents. The copy of what You have submitted should be printed for Your records.
We, in addition to our third party marketers under contract, reserve the right to end the e-documentation, e-notification, and other e-communication provisions. In such cases, Users may receive prior notification regarding the termination as outlined by relevant laws and regulations, Policies and Terms documents, and business relationship regulations. The hard copies of e-documents are not required to be stored or produced in order to reduce expenses. All e-records, e-disclosures, and e-documents are destroyed in accordance with procedural practices and the routine schedule that are determined by regulatory requirements. Any e-records can be recognized as evidence to validate agreements, obligations, and rights that are related to the parties bound by those e-documents’ provisions. The time required for validating and providing e-communications, as well as the legal force of such, may differ.
The Site contains hyperlinks to third party websites, and possibly to third party marketer websites. Since the Site provides a matching service, it can connect its Users to vendors with links. When users provide information on external websites, that information’s privacy is subject to the external websites’ regulations and are not regulated under this Website. Furthermore, such third parties have their own regulative documents on their Sites, which Users should review in detail before sharing any PII.
You have the right to delete your account at any time. To do so, you can go to "My Account" or "Settings" and select the option to delete your account.
Upon account deletion, we will review your historical order data. If there are any outstanding orders or payments, the account deletion request will be denied until all outstanding obligations are settled.
In compliance with local laws, certain data such as loan contracts (if applicable) may be retained as required by law. However, upon account deletion, your account will be frozen, and any personal data associated with your account will be deleted.
Please note that once your account is deleted, you will no longer have access to any of your account information, and any associated benefits or services will be terminated.
If you have any questions or concerns about our Privacy Policy or the deletion of your account, please contact us at cs@exprebucs.com.
We strictly adhere to federal and state codes and regulations. The way that PII can be utilized is different from state to state. Some state regulations require the party that collects the personal information to disclose how and when it will be shared, in addition to who the information will be transmitted to (both exclusively and individually). In addition to this, state regulations may state that the Site is required to disclose the types of personal information that will be shared – and how third parties will use this kind of information. If You are a resident of a state in which such regulations are enforced, we recommend directly contacting us via the channels outlined on the Website. Requests for information will be processed on an individual basis. The Website reserves the right to deny request processing if the User resides in a state in which these regulations are not enforced.
The application owner reserves the right to modify the Privacy Policy at their own discretion, and no prior notice is needed. If any modifications or changes are carried out, the new information will be made public on the Website. The Privacy Policy’s effective date will also be changed to reflect the most recent update of the document. By default, all of the information collected shall be used in compliance with the Privacy Policy in effect at the time of collection. You may determine whether that rule is acceptable. We encourage all Website users to visit the Privacy Policy section and keep up-to-date throughout changes.
Should users disagree with any content of this privacy policy, or if users do not wish us to process their personal information in accordance with this privacy policy, users should cease using our application immediately.
We may modify this privacy policy as per business needs. We announce the updated privacy policy within the application, and users should regularly review the privacy policy in the application. If users have any questions regarding our privacy policy or suggestions about our privacy practices, they can contact us through the contact information provided within the application.
The Website’s users have the right to amend, modify, and rescind the PII collected on the Website. If necessary, the User who decides to change information should contact us at cs@exprebucs.com or through another contact channel provided on the Site. If a Website user has a complaint about how the Website is operating and/or any services, the User should also contact us via those communication channels and explain the complaint. We process and respond to each inquiry in the shortest amount of time possible.
These Terms and Conditions of Use ("Terms of Use") apply to the website owned, operated, licensed, and controlled by Equator Tech LLC (“Equator Tech LLC”), including its related, affiliated or subsidiary companies located at www.exprebucs.com, and all associated Equator Tech LLC sites linked to this website and mobile applications known as Exprebucs (“Exprebucs”) (collectively, the "Site"). This Site is the property of Equator Tech LLC dba Exprebucs. As used herein, "Customer(s)" means anyone who accesses and/or uses the Site.
PLEASE READ THE FOLLOWING TERMS CAREFULLY. BY DOWNLOADING OR USING ANY OF THE INFORMATION, MATERIALS, OR FUNCTIONS AVAILABLE ON THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THESE TERMS OF USE, INCLUDING OUR PRIVACY POLICY. IF YOU ARE NOT ELIGIBLE TO USE OUR SERVICES (PLEASE SEE OUR ELIGIBILITY CRITERIA BELOW), OR DO NOT AGREE TO THESE TERMS, THEN PLEASE DO NOT USE OUR SERVICES OR THE SITE.
Please review our Privacy Policy to understand our practices, including the collection and use of personally identifiable information (“PII”). Our Privacy Policy is incorporated by reference in these Terms of Use. By using the Site, you are also consenting to the Privacy Policy.
We may make changes to these Terms of Service from time to time. Changes will be posted on the Site and will indicate at the top of this page the date the Terms of Service were last revised. You understand and agree that your continued use of the Site after we have made any such changes constitutes your acceptance of the new Terms of Service.
The Site is intended solely for natural persons, eighteen (18) years of age or older. Use by those that do not fit these requirements is in violation of these Terms of Use. By using the Site, you represent and warrant that, you are a natural person and 18 years of age or older, and that you agree to and will abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or otherwise violate an agreement between you and us, Exprebucs may prohibit you from using or accessing the Site at any time in its sole discretion, with or without notice, including, without limitation, if we believe that you are under 18 years of age.
Without our prior consent, you may not: Use any automated means to access this Site or collect any information from the Site (including, without limitation, robots, spiders, scripts or other automatic devices or programs); Frame the Site, utilize framing techniques to enclose any content or other proprietary information, place pop-up windows over this Site's pages, or otherwise affect the display of Site's pages; Engage in the practices of "screen scraping," "database scraping,” or any other activity with the purpose of obtaining content or other information;
Upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of commercial or non-commercial solicitation or bulk communications of any kind to any employee or third party;
Use data provided by Exprebucs, provided in any manner whatsoever, for any competing uses or purposes. You further agree that you have never used data, provided in any manner whatsoever, from Exprebucs, in the past to compete with the products or services of Exprebucs; or Use this Site in any manner that violates applicable law or that could damage, disable, overburden, or impair this Site or interfere with any other party's use and enjoyment of this Site.
You agree that you may not use the Site in any unlawful manner or in any other manner that could damage, disable, overburden or impair the Site. In addition, you agree not to use the Site to:
Upload, post, transmit, share, store or otherwise make available any content that we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable;
Except where authorized by Exprebucs, register for more than one account, register for an account on behalf of an individual other than yourself, operate an account on behalf of or for the benefit of any person who is not eligible to register for or operate an account in their own name;
Impersonate any person, or falsely state or otherwise misrepresent yourself, your age or your affiliation with, or authority to act on behalf of, any person;
Upload, post, transmit, share, store or otherwise make publicly available on the Site any private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers;
Solicit personal information from any natural person, whether under 18 years of age or over 18 years of age, or solicit passwords or PII for commercial or unlawful purposes from any Customer;
Upload, post, transmit, share or otherwise make available any material that contains software viruses or any other malicious or tracking computer code, files or programs designed to track, interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
Do any of the following: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any Customer of this Site; (iii) probe, scan or test the vulnerability of this Site or the Exprebucs network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any Customer, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to this Site, overloading, "flooding," "spamming," "mail bombing" or "crashing;" or (v) send unsolicited email, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.
Violate, or encourage others to violate, the rights of any party, including by infringing or misappropriating third party intellectual property rights;
Violate the Terms of Use or any other Exprebucs policy;
Upload, post, transmit, share, store or otherwise make available content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law;
Use or attempt to use another account, service or system without authorization from that person and Exprebucs;
Upload, post, transmit, share, store or otherwise make available content that, in the sole judgment of Exprebucs, is objectionable or which restricts or inhibits any other person from using or enjoying the Site, or which may expose Exprebucs or its Customers to any harm or liability of any type; or
Attempt to do any prohibited conduct, or inappropriate use, or assist or permit any persons in engaging or attempting to engage in any prohibited conduct, or inappropriate use, as determined by us in our sole discretion.
Any disclosures will be provided to you electronically through our Site or via electronic mail to the email address you provided. If you require paper copies of such disclosures, you may sign into your account on our Site and print the documents desired.
Your consent to receive disclosures and transact business electronically, and our agreement to do so, applies to any transactions to which such disclosures relate. Your consent will remain in effect for so long as you are a Customer and, if you are no longer a Customer, will continue until such time as all disclosures relevant to transactions that occurred while you were a Customer have been made.
In order to access and retain disclosures electronically, you must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; supported Web browsing software (Chrome version 32.0 or higher, Firefox version 26.0 or higher, Internet Explorer version 8.0 or higher, or Safari version 7.0 or higher); and hardware capable of running this software. To ensure access and optimal printing of your loan documents in PDF format, you must have Adobe Reader.
If you are accessing the Site and the disclosures electronically via a mobile device (such as a smart phone or tablet), in addition to the above requirements, you must make sure that you have software on your mobile device that allows you to print and save the disclosures presented to you during the application process. These applications can be found for most mobile devices in their respective "app store." If you do not have these capabilities on your mobile device, please access the Site through a device that provides these capabilities.
You may withdraw your consent to receive disclosures electronically by contacting us at the address below. However, once you have withdrawn your consent you will not be able to complete a loan application on our Site. If you have a pending application on our Site and you withdraw your consent to receive disclosures electronically, we will terminate it and remove it from our system. If you have already received a loan, all previously agreed to terms and conditions will remain in effect, and we will send disclosures to your verified home address provided during application.
You can contact us via email at cs@exprebucs.com. You may also reach us in writing to us at the following address: Equator Tech LLC, 17 Corporate Plaza Dr #488, Newport Beach, California 92660, United States.
You agree to keep us informed of any change in your email or home mailing address so that you can continue to receive all disclosures in a timely fashion. If your email address changes, you must notify us of the change by, updating it online in your account, sending an email to cs@exprebucs.com or calling <1-888-216-6108>. You also agree to promptly update your home address and telephone number on the Site if they change.
By accepting these Terms of Use, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using pre-recorded messages or artificial voice, and calls and messages delivered using auto telephone dialling system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send a message via text. In the event that a customer service representative calls, instead of the automatic telephone dialling system, that customer service representative may leave a message on your answering machine or voice mail. If you are in default of your obligations to us, you authorize us to call you at work or home using numbers you have provided to us, or at other numbers you have provided to us or we have obtained for you, to leave a message with a person or voice mail service stating our name and phone number, to text you, to write you at home and to acquire location information about you from others. You further agree that, when you receive a telephone call, text message or email, you may incur a charge from the company that provides you with telecommunications, wireless and/or Internet services, and you agree that we will have no liability for such charges or liable to you for any such calls. You further consent to the recording and monitoring, for quality assurance and collection purposes, of any call that you place to us (or our affiliates) or that we (or our affiliates) place to you.
Access to our Site may from time to time be unavailable, delayed, limited or slowed due to causes beyond our control. We make no guarantees as to the availability of the Site.
You acknowledge that the use of a username and a password is an adequate form of security. You acknowledge and agree that Internet transmissions are never completely private or secure and that any message or information you send to the Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions.
We use industry standard physical, technical and administrative security measures and safeguards to protect the confidentiality and security of your personal information. However, since the Internet is not a 100% secure environment, we cannot guarantee, ensure, or warrant the security of any information you transmit to us. There is no guarantee that information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or administrative safeguards. It is your responsibility to protect the security of your login information. Please note that emails and other communications you send to us through our Site are not encrypted.
To access some of our services, you must register for an account. When you register you will be required to provide us with some information about yourself. You agree that the information you provide to us is accurate and that you will keep it accurate and up-to-date at all times. When you register, you will be asked to create a password.
You are responsible for maintaining the confidentiality of your account and password. Exprebucs is not liable for any harm related to the theft of your access credentials, your disclosure of access credentials, or your decision to allow another person or entity to access and use the Site using your access credentials. You agree to accept responsibility for all activities that occur under your account. If you have reason to believe that your account is no longer secure, then you must immediately notify us at cs@exprebucs.com or call us at <1-888-216-6108>.
Each Customer is only permitted to register for one account. You agree not to register for multiple accounts with Exprebucs unless Exprebucs has explicitly authorized you in writing to do so.
Use of our services may be made available through a browser on a mobile device or through an application running on a mobile device. You are responsible for all costs incurred by you with respect to using our service on a mobile device, including data usage fees and other telecommunications fees.
If you believe that any material on the Site infringes upon any copyright which you own or control, you may send a written notification of such infringement to the following address: Equator Tech LLC, 17 Corporate Plaza Dr #488, Newport Beach, California 92660, United States, Attn: Legal Department, as set forth below:
Name of Agent Designated to Receive Notification of Claimed Infringement; Full Address of Designated Agent to Which Notification should be Sent; Telephone Number of Designated Agent; Facsimile Number of Designated Agent; and Email Address of Designated Agent;
To meet the notice requirements under the Digital Millennium Copyright Act, the notification must be a written communication that includes the following:
A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material; Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number and, if available, an electronic email address at which the complaining party may be contacted; A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Site (collectively, "Submissions"), provided by you to Exprebucs are not confidential and shall become the sole property of Exprebucs. Exprebucs shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
The Site may contain (or you may be sent through the Site) links to other websites ("Third Party Sites"), as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, software and other content belonging to or originating from third parties (the "Third Party Content"). Such Third Party Sites and Third Party Content are not investigated, monitored or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party Sites accessed through the Site or any Third Party Content posted on the Site, including without limitation the content, accuracy, offensiveness, opinions, reliability or policies of or contained in the Third Party Sites or the Third Party Content. Inclusion of or linking to any Third Party Site or any Third Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third Party Sites, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any Third Party Site to which you navigate from the Site.
EXPREBUCS DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. THE MATERIAL IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. EXPREBUCS CANNOT ENSURE THAT ANY FILES, DOCUMENTS OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. EXPREBUCS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. EXPREBUCS DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST EXPREBUCS FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.
EXCEPT WHERE PROHIBITED BY LAW, EXPREBUCS OR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OF EACH, SHALL NOT BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS.
IN NO EVENT WILL EXPREBUCS OR ITS DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF THE SITE OR THE SERVICE OR ANY OF THE SITE CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE SITE, EVEN IF EXPREBUCS IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
By visiting or using the Site, you agree that the laws of the State of Missouri, without regard to any principles of conflict of laws that would require or permit the application of the laws of any other jurisdiction, will govern these Terms of Use. If you obtain a loan, the terms of the loan will be governed by the agreement you enter into with Exprebucs and by the laws of the State of Missouri and by the federal laws that may be applicable, without regard to any principle of conflicts of laws that would require or permit the application of the laws of any other jurisdiction.
By using the Site, you agree to indemnify and hold Exprebucs, its subsidiaries and affiliates, and each of their directors, officers, agents, contractors, partners and employees, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable attorney's fees, arising out of or in connection with your Customer content, any Third Party Content you post or share on or through the Site, your use of the Site, your conduct in connection with the Site or with other Customers of the Site, or any violation of these Terms of Use or of any law or the rights of any third party.
Any failure by Exprebucs to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms with regard to the use of the Site. If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and Exprebucs with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and Exprebucs with respect to such use are hereby superseded and canceled.