Service Agreement

TERMS OF USE AGREEMENT FOR ALL SERVICES AND THE WEBSITES

Please review this Terms of Use Agreement ("Agreement"). By accessing, browsing or using this website through any direct or indirect means (individually or collectively, "Websites" or "Website"), or by using the goods, facilities or services offered in or through the Website(s) through alternative methods (including, for example, telephone, mail, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms "Website" and "Websites" include use through these alternative methods).

General. Credit Express is a Michigan company.   Any reference in this Licenses and Disclosures to "we" or "us" or similar words shall refer to Credit Express, unless otherwise indicated, all such entities referred to as "Credit Express". Any reference in Licenses and Disclosures to "you" or "your" means the person(s) using the Credit Express Websites (as defined in the Terms of Use Agreement), and/or the goods, facilities or services of Credit Express offered through alternative methods. Credit Express is not a lender or auto lessor. Credit Express does not take applications, make loans or credit decisions in connection with loans, nor does Credit Express issue commitments or lock-in agreements. Credit Express is not an agent of you, any participating bank, lender, loan broker (we refer to all of these as "Lenders" or "Lender") or any third-party provider ("Provider"). Credit Express's services are only administrative. You should rely on your own judgment in deciding which available product and Lender or Provider best suits your needs and financial means. You are under no obligation to use Credit Express to commence the purchase or loan of an automobile. Furthermore, Credit Express does not guarantee that completing a request will result in you being approved or otherwise provided with a loan or receiving a loan offer from a Business Partner.

Fees. Credit Express does not charge you any fee for its services. Credit Express receives its compensation from the Business Partners it elects to transact business with.

Credit. Submitting any loan request or completing the requested information within any credit application does NOT constitute an application for credit. Rather, it is a request to be matched with a Business Partner to receive conditional loan offers from Lenders. You may have to complete an application with a Business Partner and/or a Lender before they will extend an conditional loan offer.

Federal Disclosures. Any loan request will be forwarded to Business Partners and/or Lenders and these Business Partners and/or Lenders may make certain disclosures to you. These disclosures may include the Truth in Lending Act (TILA) required disclosures, and certain other disclosures which may be required by federal and state laws. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract).

PURSUANT TO CREDIT EXPRESS'S TERMS OF USE AGREEMENT AND THE CONSENT FOR ELECTRONIC DISCLOSURES, THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN FEDERAL AND/OR STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY YOUR USE OF THE WEBSITES (AS DEFINED IN THE TERMS OF USE AGREEMENT).

Privacy Notice/Privacy Policy

Introduction

Credit Express is committed to protecting the personal privacy of customers' information. Credit Express safeguards financial data according to federal regulations including the Graham Leach Bliley Act and the Fair Credit Reporting Act. For more information, contact Credit Express at support@creditexpress.today

As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or requested by law. In connection with your transaction, certain Business Partners may obtain information about you as described in this notice, which we handle as stated in this notice.

Who is covered by the policy

Our Privacy Policy applies to individuals who are consumers or customers in connection with services provided by Credit Express, and with the Business Partners Credit Express transacts business. The Business Partners of Credit Express reserve their right to maintain a Privacy Policy separate from this Privacy Policy.

Website Usage

You can visit Credit Express's website to read product information without telling us who you are and without revealing any personal information. During normal website usage, we do not collect, gather or store any personal information from you, such as name, address, phone number or e-mail address. The only information we may collect from your use of the site is the name of your internet service provider, sites you visited, pages you requested, dates and times you visited the site. These activities are monitored by the management to measure the usefulness of the site. During normal website usage, we do not collect or store personally identifiable information such as name, mailing address, e-mail address, phone number or social security number.

Collection of Information

Information you submit to Credit Express, is provided to our Business Partners to deliver the products and services that you have requested. Credit Express and/or the Business Partners collect non-public information about you from the following sources:

• Information received from you on applications made on line via our website and at the dealership, e-mail communications from you, a/nd other forms - such as your name, phone numbers, address, social security number, assets and income.
• Information about your transactions with us, our affiliates or others such as contact or lease balances and payment history; and, Information we receive from a consumer reporting agency.
• Information from outside sources regarding employment, residence, credit balances, liability, property insurance coverage.

Protection of Information

Credit Express restricts access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Disclosure of Information

As permitted by law:

Your non-public personal information may be disclosed while you are a consumer, customer or former customer to the following types of third parties:

• Business Partners-such as automotive dealerships which Credit Express transacts business with.
• Financial Service Providers-such as banks, credit unions, and other finance related companies in order to serve your financial needs. Our Business Partners may be the entity which provides information to Financial Service Providers.
• Non-Financial Service Providers who perform services on our behalf, such as providing you with information about our products and services. Before providing information to our service providers we enter into contract agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.
• Non-affiliated third parties in certain other circumstances, such as companies that maintain and safeguard our account information, debt collectors as necessary to respond to legal subpoenas and other legal process.

We do not sell "customer lists" or disclose non-public personal information we have obtained about you to anyone other than those listed above.

By using this site, you are agreeing to the terms of our Privacy Policy. We reserve the right to change our Privacy Policy at any time without notice.

Consent for Electronic Documents

CONSENT FOR ELECTRONIC DOCUMENTS UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT.

When you submit an electronic loan request or complete the requested information within a credit application, you are consenting to receive information electronically at our web site(s) or via email,(from our Business Partners or Lenders) you will receive certain information and disclosures electronically ("Documents"), possibly including the following: Credit Application, State Law Disclosures, Privacy Policy, and notices of credit decisions. This Consent for Electronic Documents informs you of your rights when receiving these Documents electronically. By consenting below, you acknowledge receipt of this Consent for Electronic Documents, and agree to the electronic delivery of Documents via the internet to the e-mail address designated on your Application.

DISCLAIMERS AND LIABILITY

Credit Express intends that the information contained in the Website(s) be accurate and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided herein may be made by Credit Express at any time. Under no circumstances will Credit Express be liable for any loss or damage caused by your reliance on information obtained through the Website(s). It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Websites.

THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". CREDIT EXPRESS AND/OR ITS BUSINESS PARTNERS, SUPPLIERS, LENDERS, OR PROVIDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITES AND/OR CREDIT EXPRESS’S SERVICES IS AT YOUR OWN RISK. CREDIT EXPRESS AND/OR ITS BUSINESS PARTNERS SUPPLIERS, LENDERS, OR PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR CREDIT EXPRESS’S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO CREDIT EXPRESS’S RECORDS, PROGRAMS OR SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CREDIT EXPRESS AND/OR ITS BUSINESS PARTNERS, SUPPLIERS, OR PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites.