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  1. Acceptance of Terms

    These Terms of Service ("Agreement") constitute a legally binding agreement between you and Express Loans LLC ("Company," "we," or "us") governing your use of the Express Loans LLC website (the "Website"). By accessing or using the Website, you agree to be bound by these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Website or to services offered through the Website.

  2. Services and Responsibilities

    a. The Website provides a platform for connecting individuals seeking commercial loans ("Borrowers") with potential lenders or brokers ("Lenders") for loan brokerage services. Express Loans LLC, a Pennsylvania limited liability company, acts solely as an intermediary and does not endorse, recommend, or guarantee the services or products offered by any Lenders.

    b. While we strive to provide accurate and up-to-date information on the Website, we do not warrant the accuracy, completeness, or reliability of any content or information provided. You acknowledge and agree that any reliance on such content or information is at your own risk.

  3. User Obligations

    a. By using the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding contract.

    b. You agree to provide accurate, current, and complete information during the registration process and to keep your account information updated.

    c. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

  4. Intellectual Property

    a. The Website and its content, including but not limited to text, graphics, logos, and images, are protected by intellectual property laws and are the property of Express Loans LLC or its licensors. You may not reproduce, modify, distribute, or otherwise use any materials without obtaining prior written consent from us.

    b. By submitting any content to the Website, you grant Express Loans LLC a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, and sublicensable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media.

  5. Limitation of Liability

    a. In no event shall Express Loans LLC or its affiliates, directors, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Website or the services provided, whether based on contract, tort, strict liability, or other legal theory.

    b. Express Loans LLC assumes no responsibility for any errors, omissions, interruptions, or delays in the Website or its services. We also do not guarantee that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

  6. Governing Law and Jurisdiction

    These Terms of Service shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, United States. Any disputes arising under or in connection with this Agreement shall be subject to the exclusive jurisdiction of the state and federal courts located in the Commonwealth of Pennsylvania.