Terms and conditions

1. Introduction

You are visiting a website owned and operated by Dogstar Digital Corp. d/b/a CashLoansExpress (“CashLoansExpress,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of this website, including any affiliated sites operated by CashLoansExpress where these Terms are posted (collectively, the “Website”), as well as the products, services, features, and content made available through them (collectively, the “Services”). By accessing, browsing, or using the Website or Services, you acknowledge and agree that you have read, understood, and consent to be legally bound by these Terms and our Privacy Policy, which is incorporated herein by reference. You further represent and warrant that, to the fullest extent required under applicable state and federal laws, you have been provided with and agree to any legally required disclosures and consents. Certain Services offered through the Website may be subject to additional terms, conditions, or disclosures. By choosing to proceed with any such Service, you confirm that you have read, understood, and agree to be bound by any such additional terms, which are incorporated into these Terms by reference.

2. Agreement

By accessing, browsing, or using this Website or any affiliated sites or Services, you expressly acknowledge and agree that:

• Binding Agreement: You have read, understood, and agreed to be legally bound by these Terms, as well as our Privacy Policy, which is incorporated into these Terms by reference.
• Legal Disclosures and Consent: To the fullest extent required by applicable state and federal law, you acknowledge that you have been provided with all necessary disclosures, have received them in a legally sufficient manner, and consent to all required terms and practices described therein.
• Eligibility: You confirm that you are at least 18 years of age (or the age of legal majority in your jurisdiction), and that you are not prohibited by law from accessing or using any of the Services provided through this Website.
• Submission-Based Acceptance: By clicking “Submit,” “Get Started,” or any similar button to submit a loan request through this Website, you affirmatively agree to be bound by these Terms, including the Dispute Resolution and Binding Arbitration provision in Section 24 and the Class Action Waiver in Section 25. This submission constitutes your electronic signature and express acceptance of these Terms. You acknowledge that your acceptance is logged and timestamped for recordkeeping purposes.

In addition, certain Services offered through the Website may be governed by additional terms and conditions specific to those Services. By proceeding with the use of such Services, you agree that you have reviewed, understood, and accepted any supplemental terms applicable to that specific Service. If you do not agree to these Terms in full, you must not access or use the Website or any Services provided herein.

3. Modification

We reserve the right, at our sole discretion, to update, modify, or replace these Terms at any time. Any changes will be posted to this Website, and the “Last Updated” date at the top of this page will reflect the date of the most recent revision. Unless otherwise stated, revised Terms will become effective seven (7) days after they are posted. In the event of material changes, we may provide additional notice, such as by email or a prominent notice on the Website. We encourage you to review these Terms periodically to stay informed of any updates. Your continued access to or use of the Website or Services after the effective date of any changes constitutes your acknowledgment and acceptance of the modified Terms.

If you do not agree to any amended terms, you must discontinue your use of the Website and Services immediately.

4. Eligibility

The Services offered on this Website are intended solely for use by individuals who are at least 18 years of age and are legal residents of the United States. By accessing or using this Website, including submitting a loan request or utilizing any of its Services, you represent and warrant that you are 18 years of age or older, you are a legal resident of the United States, you are legally capable of entering into a binding agreement, and you are not prohibited from using the Services under any applicable law or regulation.

State Availability. Our Services are not available in all states. We do not operate or advertise in certain states where prohibited by law or internal policy. Network Partner availability depends on your state of residence and each partner’s licensing and service areas. If you reside in a state where our Services or a particular Network Partner’s products are unavailable, you may not be connected with a lender or may have limited options. We reserve the right to modify the states in which we operate at any time without notice.

Please note that eligibility for specific Services is subject to final determination by CashLoansExpress, its affiliates, and/or its Network Partners. We reserve the right to deny or restrict access to the Website or any Service at our sole discretion, without prior notice, for any reason, including but not limited to violations of these Terms.

5. Authorization to Obtain Credit Reports and Verify Information

By submitting a loan request through this Website, you provide your express written consent under the Fair Credit Reporting Act (FCRA) authorizing CashLoansExpress and its affiliates, as well as any third-party lenders, service providers, or financial partners with whom your request is shared (collectively, “Authorized Parties”), to obtain and review information about you from one or more consumer reporting agencies. This includes, but is not limited to, your consumer credit report, credit score, and related credit information from agencies such as Experian, TransUnion, Equifax, Clarity Services, or other recognized credit bureaus.

These Authorized Parties may use this information for the following purposes: to verify your identity and eligibility; to provide personalized loan quotes or offers; to conduct a creditworthiness assessment as part of a loan decision; and to comply with applicable legal, regulatory, or underwriting requirements.

In addition, you acknowledge and agree that these parties may use third-party identity verification services to validate the accuracy of the information you provide, including but not limited to your Social Security number, current and previous addresses, phone numbers, bank account details, and employment history. Obtaining a credit report does not guarantee approval for any loan or service, and your credit may be pulled by multiple parties depending on the number of lenders reviewing your loan request. We may perform a soft inquiry or hard inquiry on your credit report, which may impact your credit score.

6. Services Offered by this Website

Online Marketplace for Lenders and Other Providers. This Website operates as a digital marketplace that connects consumers with third-party lenders, non-lender financial service providers, and other entities (collectively, “Network Partners”). By clicking “Submit” or any similar button indicating your intent to proceed, you represent and warrant that all information provided in your loan request form is accurate, truthful, and complete to the best of your knowledge.

Network Partners participating in our platform utilize proprietary filters, eligibility criteria, and bid strategies to identify the types of consumers with whom they wish to connect. These Network Partners also determine the compensation they are willing to pay CashLoansExpress in exchange for the opportunity to present offers to qualifying consumers. This compensation may influence the order or manner in which offers are presented to you.

Upon submitting your loan request, CashLoansExpress transmits your information in real time through our automated network, which may result in the request being connected to a Network Partner. If connected, you will be redirected to that Network Partner’s website, where you may be presented with a loan offer or other related product or service.

If your request is not accepted by any Network Partner, we may present you with an option to resubmit your request, provide you with information on alternative products or services, or share your contact information with trusted third-party marketers or service providers who may contact you via email or text/SMS to present relevant options (message and data rates may apply).

Tribal Lender Disclosure. By submitting your loan request, you may be matched with a tribal lender or marketplace lender. Tribal lenders operate under the authority of sovereign tribal nations and may claim exemption from state laws governing licensing and interest rate limitations. This means that loans offered by tribal lenders may carry higher rates and fees compared to state-licensed lenders, and may also require arbitration or dispute resolution in a tribal jurisdiction. Whether and to what extent state law applies to any particular lender or transaction depends on the specific circumstances and the lender involved; CashLoansExpress makes no representation regarding the applicability or enforceability of state law to any tribal lender’s products. You are strongly encouraged to thoroughly review and fully understand the terms and conditions of any loan offer and to reject any offer you cannot afford or find unacceptable. By using this Website, you acknowledge and agree that you have read and understood this disclosure.

7. We Are Not a Lender

CashLoansExpress operates as a marketing and technology platform that connects consumers seeking loan products with independent third-party lenders and financial service providers (“Network Partners”). We are not a lender, loan broker, credit services organization, or agent of any lender. We do not negotiate, arrange, or guarantee any loan or credit terms. We do not make credit decisions, approve or deny loan requests, underwrite loans, or determine interest rates, fees, or repayment terms. All lending decisions are made solely by Network Partners in their independent discretion. Our role is limited to transmitting your information to Network Partners who may independently evaluate your request and, in their sole discretion, present you with options. You are under no obligation to accept any terms presented by a Network Partner.

This Website does not constitute an offer or solicitation to lend. Your information may be shared with non-lenders or intermediary providers to facilitate a connection with a lender.

Submitting your information does not guarantee that you will be connected with a lender, that you will receive any loan terms, that you will receive the loan amount requested, or that any product will be available in your state or jurisdiction.

Loan amounts, terms, funding timelines, and lender availability vary. If a lender does not operate in your state, you will not be connected with that lender. For any questions regarding a loan product or decision, you must contact the lender directly.

8. Advertiser Disclosure

CashLoansExpress provides this service free of charge to you. However, we may be compensated by lenders, non-lenders, and third-party providers for each lead or referral we deliver. Your use of this Website constitutes your understanding and agreement to this compensation structure. We do not endorse, recommend, or guarantee the products, services, or practices of any particular Network Partner. You are solely responsible for evaluating loan offers, determining suitability, and selecting the lender or provider that best fits your financial situation. We do not guarantee that offers presented are the best available in the market.

9. Requests for Other Products and Services

In addition to loan-related services, this Website may provide access to information about additional products or services that align with your interests. These may include, but are not limited to, debt consolidation or settlement services, auto title loans, credit card products, health, life, or other insurance products, credit monitoring or repair services, and other financial products or services. By submitting your information, you consent to receiving marketing communications for these supplementary products and services when applicable.

10. Not Professional Advice

The information, content, and services provided by CashLoansExpress are offered solely for your convenience and do not constitute financial, legal, medical, or professional advice. We make no representations or warranties regarding the suitability, reliability, or accuracy of any content or service. You should not rely on any information provided by this Website as a substitute for consultation with a qualified professional. Always seek advice from a licensed professional regarding your financial decisions. No fiduciary or professional-client relationship is formed between you and CashLoansExpress through the use of this Website or any of our Services.

11. Data Sharing with Lenders, Providers, and Third Parties

When you voluntarily submit your loan request or provide any personal information through this Website, you acknowledge and agree that CashLoansExpress will share the information you provide with third-party lenders, service providers, non-lending financial institutions, and other affiliated entities (collectively, “Network Partners”). These Network Partners may collect, store, and use the information you provide, including data from your loan request form and any other information obtained during the processing of your request or related services. Network Partners may retain this information regardless of whether you qualify for, accept, or ultimately receive a loan or other products and services. This retention may also apply if you do not meet eligibility criteria or do not complete a transaction. You are responsible for directly contacting any Network Partner if you wish to stop receiving communications or offers from them.

Furthermore, CashLoansExpress and its Network Partners may disclose the information you provide to applicable state licensing authorities, government regulators, and law enforcement agencies as required by law or regulation. Under agreements between CashLoansExpress and Network Partners, we may receive updates about the status of your loan request.

By submitting your information, you expressly consent to CashLoansExpress and the selected Network Partners sharing your personally identifiable information for purposes including, but not limited to, providing the products and services you request, responding to litigation, regulatory inquiries, or law enforcement requests, conducting internal analytics and performance assessments, and marketing and promotional communications. Your consent is a necessary part of using our Services and enables us to connect you with the appropriate providers efficiently and securely.

12. Consent to Receive Communications Electronically

By submitting a loan request on or through this Website, you expressly consent and agree to receive all legally required disclosures, notices, and other communications (collectively, “Disclosures and Communications”) electronically. Network Partners and CashLoansExpress are required by law to provide you with certain disclosures and communications related to your loan request or any services offered. These may include information regarding the status of your loan request, requests for additional information, federal and state Truth-in-Lending disclosures, terms, conditions, agreements, and other contractual documents, and privacy policies.

You acknowledge that electronic delivery is a valid and effective means of receiving these documents and that you have the right to receive any document in a non-electronic format upon request. If you wish to withdraw your consent to receive electronic communications at any time, or if you no longer want to receive communications from CashLoansExpress, you may do so by contacting us via email at info@cashloansexpress.com or using the opt-out mechanism provided in the communications you receive from us. Please note that opting out of electronic communications may limit or delay your ability to receive important information related to your loan request or other services.

Hardware and Software Requirements: To access and retain electronic communications, you need a computer or mobile device with internet access, a current web browser, a valid email address, and sufficient storage space or a printer to retain copies.

Withdrawal of Consent: You may withdraw your consent to receive electronic communications at any time by contacting us. Withdrawal will not affect the legal validity of electronic communications provided before withdrawal.

13. Consent to Receive Communications, Telephone Calls, and SMS Messaging

By submitting your information on our Website and providing your consent, you agree that CashLoansExpress, its affiliates, Network Partners, and designated Marketing Service Providers may contact you via telephone calls and/or SMS/text messages at the phone numbers you provide, including both landline and cellular numbers. This consent includes calls or messages made using automated dialing systems or pre-recorded messages, even if your number is listed on any federal, state, or local Do-Not-Call registry.

Communications you receive may relate to your loan request or may include marketing of loan and non-loan related products and services such as debt consolidation or settlement services, health insurance products, auto title loans, credit card offers, and other products or services that may be of interest to you. Standard message and data rates may apply for SMS communications. Consent is not required as a condition of purchasing any goods or services.

By submitting a loan request, you acknowledge that a business relationship is established between you and CashLoansExpress, and you expressly consent to receive electronic communications, including agreements, disclosures, notices, and other information required by law, in electronic form. You also authorize us to retain the information you provide and to make live or recorded calls or send messages to discuss or remind you about any aspect of your loan request, including incomplete submissions, offers, deadlines, service quality, or related products and services.

If you wish to withdraw your consent and opt out of receiving future communications, you may do so at any time by using the opt-out mechanism provided in the communication you receive, replying STOP to any text message, or contacting us directly via email at info@cashloansexpress.com. We will process your opt-out request within ten (10) business days. Please note that opting out of communications may affect your ability to receive important information regarding your loan request or related services.

14. Copyrights and Trademark

All content on this Website—including, but not limited to, software, graphics, text, design elements, images, illustrations, databases, user interfaces, visual and audio components, structure, arrangement, products, and information (collectively, the “Content”)—is owned, controlled, or licensed by CashLoansExpress and/or its licensors. This Content is protected by U.S. and international copyright laws, trademark laws, patent laws, trade secret protections, and other intellectual property and unfair competition laws.

Except as expressly permitted by CashLoansExpress in writing, no part of this Website or its Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, transmitted, distributed, modified, framed, mirrored, or otherwise used in any manner without the prior written consent of CashLoansExpress. Unauthorized use of the Website’s Content may violate copyright, trademark, and other laws and may result in civil or criminal penalties.

All trademarks, service marks, logos, and trade names displayed on this Website are the registered or unregistered trademarks of CashLoansExpress or their respective owners. Nothing on this Website should be construed as granting any license or right to use any trademark displayed on this site without the prior written permission of CashLoansExpress or the applicable trademark owner.

15. Privacy

Your privacy is important to us. CashLoansExpress employs industry-standard security measures and best practices to protect your personally identifiable information from unauthorized access, disclosure, alteration, or destruction. For detailed information about how we collect, use, and safeguard your information, please review our full Privacy Policy. When you use this Website, CashLoansExpress and/or its Network Partners may collect, verify, and record personal information including, but not limited to, your name, Social Security number, address, telephone number, and date of birth. This information is necessary to accurately identify you and facilitate your loan request. During the process with our Network Partners, you may be required to provide additional documentation to further verify your identity and comply with applicable legal and regulatory requirements.

16. Foreign Users

CashLoansExpress makes no representation that the content, products, or services offered on this Website are appropriate, available, or lawful for use in jurisdictions outside the United States. If you access or use this Website from outside the United States, you acknowledge and agree that you have voluntarily initiated contact with CashLoansExpress from your location, you will not use, transmit, disseminate, or upload any content or materials through this Website in violation of any applicable local, state, national, or international laws or regulations of your country of residence, CashLoansExpress shall have no liability under any laws other than those of the United States, your use of this Website and any related Services shall be governed exclusively by the laws of the United States, and any disputes shall be subject to the arbitration and venue provisions set forth in these Terms, and you expressly consent to the processing and storage of your personal data in the United States, in accordance with applicable U.S. privacy laws.

17. Representations and Warranties

By using this Website, you represent, warrant, and affirm to CashLoansExpress that you are at least 18 years of age and legally capable of entering into a binding agreement, you have the full authority and legal capacity to accept and be bound by these Terms, you will not use this Website or any of its content, features, or services for any unlawful purpose, or in any way that infringes upon the rights of CashLoansExpress or any third party, any information, data, or materials you submit through this Website is accurate, truthful, complete, and does not violate any law or infringe on any third-party rights, you are not impersonating any person or entity, and you are not using a false identity or misrepresenting your affiliation with any person or organization, and you have the necessary authority, rights, and permissions to perform your obligations and comply with these Terms as a user of this Website. Your continued use of this Website constitutes a reaffirmation of these representations and warranties.

18. Disclaimers and Limitation of Liability

No Warranties. CASHLOANSEXPRESS PROVIDES THIS WEBSITE, INCLUDING ALL INFORMATION, CONTENT, FUNCTIONALITY, PRODUCTS, AND SERVICES AVAILABLE THROUGH IT, ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND—EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CASHLOANSEXPRESS EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY INFORMATION, AVAILABILITY OR TIMELINESS OF SERVICE, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE PRACTICE. CASHLOANSEXPRESS MAKES NO REPRESENTATIONS OR GUARANTEES THAT YOUR USE OF THIS WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

No Responsibility for Third Parties. CASHLOANSEXPRESS IS NOT RESPONSIBLE FOR, AND DISCLAIMS ALL LIABILITY RELATED TO THE CONDUCT, ACTS, OR OMISSIONS OF ANY NETWORK PARTNER OR THIRD-PARTY SERVICE PROVIDER, THE ACCURACY OR LEGALITY OF ANY QUOTES, LOAN OFFERS, OR SERVICES PROVIDED BY NETWORK PARTNERS, ANY FAILURE BY A NETWORK PARTNER TO CONTACT YOU, APPROVE YOU, FUND A LOAN, OR PERFORM UNDER ANY AGREEMENT, AND ANY DISPUTE, TRANSACTION, OR RELATIONSHIP BETWEEN YOU AND ANY NETWORK PARTNER OR OTHER THIRD PARTY. ALL SUCH INTERACTIONS ARE SOLELY BETWEEN YOU AND THE THIRD PARTY, AND YOU ASSUME ALL RISK ASSOCIATED THEREWITH.

Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CASHLOANSEXPRESS, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, NETWORK PARTNERS, OR MARKETING SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, DAMAGES FOR LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, LOSS OF GOODWILL, COMPUTER FAILURE, UNAUTHORIZED ACCESS TO OR LOSS OF PERSONAL INFORMATION, OR ANY DAMAGES ARISING FROM OR RELATED TO YOUR ACCESS TO, USE OF, OR INABILITY TO USE THIS WEBSITE OR ANY SERVICE OFFERED THROUGH IT, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE—EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE FOREGOING, THE TOTAL LIABILITY OF CASHLOANSEXPRESS FOR ANY CLAIM ARISING OUT OF OR RELATING TO THIS WEBSITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD), REGARDLESS OF THE FORM OF ACTION.

Jurisdictional Exceptions. SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.

19. Indemnification

As a condition of your access to and use of this Website and/or any services provided by CashLoansExpress, you agree to indemnify, defend, and hold harmless CashLoansExpress, its officers, directors, employees, agents, affiliates, subsidiaries, Marketing Service Providers, Network Partners, licensors, and service providers (collectively, the “Indemnified Parties”) from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees and legal costs, arising out of or relating to your use or misuse of the Website or any services provided through the Website, your violation of these Terms and Conditions or any applicable law or regulation, any content or materials submitted, posted, transmitted, or otherwise made available by you through the Website, any misrepresentation, fraud, or negligence by you in connection with your use of the Website, and any interaction, transaction, or dispute between you and a Network Partner or any third party arising from your use of this Website.

You agree not to settle any such claim, action, or matter without the prior written consent of CashLoansExpress. The Indemnified Parties reserve the right, at their sole discretion and at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such case, you agree to cooperate fully with the Indemnified Parties in the defense and resolution of such matter. This indemnification obligation will survive the termination or expiration of your use of the Website and any applicable agreements.

20. Errors and Delays

You acknowledge and agree that CashLoansExpress is not liable for any errors, delays, or failures in responding to your inquiry, loan request, or referral submission that result from circumstances beyond our reasonable control. This includes, but is not limited to, incorrect or incomplete information provided by you, technical malfunctions, outages of internet service providers, system failures, or acts of God. CashLoansExpress shall not be held responsible for any losses or damages resulting from such errors or delays.

21. Links to Third Party Websites

This Website may contain links to third-party websites that are not owned, operated, or controlled by CashLoansExpress. These links are provided solely as a convenience to you and do not constitute an endorsement, sponsorship, or recommendation by CashLoansExpress of the third-party website, its content, or any products or services offered therein. You acknowledge and agree that CashLoansExpress has no control over, and assumes no responsibility for, the content, policies, or practices of any third-party websites. Accessing such third-party sites is done entirely at your own risk, and your use of any third-party websites may be subject to separate terms and conditions and privacy policies imposed by the operators of those sites.

22. Notice of Claim Requirement

Before initiating any legal action or arbitration concerning a dispute arising out of your use of this Website or services provided by CashLoansExpress, you agree to provide us with a written notice of your claim and a reasonable opportunity to resolve the matter. Your notice must include your full name, your mailing address, a clear written description of the claim or issue, and a specific statement of the relief or remedy you are seeking. Please send your notice by email to info@cashloansexpress.com and via certified mail to:

Dogstar Digital Corp.
Attn: Legal Department
700 Maine Street, Suite 3
Bangor, ME 04401

We will review your notice and attempt to resolve the dispute in good faith within thirty (30) days of receipt. If the matter is not resolved within that timeframe, you may pursue further legal remedies as described in these Terms and Conditions.

23. Release and Discharge

By accessing and using this Website, you knowingly and voluntarily release, remise, acquit, and forever discharge CashLoansExpress, its Marketing Service Providers, its Network Partners, and each of their respective officers, directors, employees, agents, contractors, licensors, licensees, affiliates, suppliers, service providers, and any other related, associated, or affiliated entities (collectively, the “Released Parties”) from any and all manner of claims, demands, actions, causes of action, liabilities, losses, damages, costs, expenses (including reasonable attorneys’ fees), and proceedings of every nature and kind whatsoever (whether known or unknown, suspected or unsuspected, disclosed or undisclosed, in law or in equity) that have arisen or may arise out of, relate to, or are in any way connected with your access to or use of this Website, your reliance on any content, materials, or services provided through or in connection with this Website, any communications or interactions between you and CashLoansExpress, its Marketing Service Providers, or Network Partners, and any agreement or transaction you enter into with a third party as a result of using this Website.

This release is intended to be as broad and inclusive as permitted by applicable law and shall be governed by and interpreted in accordance with the laws of the United States. If you are a California resident, you expressly waive any rights you may have under California Civil Code §1542.

24. Dispute Resolution and Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Notice and Acceptance. This arbitration provision is conspicuously presented and is not hidden or buried within these Terms. By submitting a loan request through this Website, you acknowledge that you have read this Section 24, understand its terms, and agree to be bound by it as set forth in Section 2 (Submission-Based Acceptance). This agreement to arbitrate applies equally to both you and CashLoansExpress—both parties are bound by and must comply with this provision.

Binding Individual Arbitration. You and CashLoansExpress agree that any dispute, claim, or controversy arising out of or relating to your use of this Website, the Services, the Content, or these Terms (“Dispute”) shall be resolved solely through final and binding individual arbitration, rather than in court. This arbitration will be administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. The arbitration shall take place in the federal judicial district where you reside, or at your election, may be conducted remotely. The arbitrator(s) shall apply applicable law without deviation, make all reasonable efforts to expedite proceedings and minimize discovery, and have exclusive authority to resolve any dispute regarding the interpretation, applicability, enforceability, or formation of this arbitration provision.

You acknowledge and agree that you are waiving your right to a jury trial and you may not participate as a plaintiff or class member in any class, representative, or consolidated proceeding. Each arbitration must be conducted solely on an individual basis.

Small Claims Court Exception. Either party may elect to bring a claim in small claims court (or the equivalent court in your jurisdiction) instead of arbitration, provided the claim falls within that court’s jurisdictional limits and proceeds on an individual, non-class, non-representative basis. If a claim is filed in small claims court and subsequently transferred, removed, or appealed to a different court, either party may elect to have the matter proceed in arbitration instead.

Arbitration Costs and Fairness. CashLoansExpress will pay all AAA filing fees, administration fees, and arbitrator fees for claims of $10,000 or less. For claims exceeding $10,000, fees will be allocated according to the AAA Consumer Arbitration Rules. You may choose whether the arbitration will be conducted solely on the basis of documents submitted, through a telephonic or video hearing, or by an in-person hearing in your county of residence. The arbitrator may award any relief that would be available in court, including injunctive or declaratory relief, compensatory damages, and attorneys’ fees and costs where authorized by applicable law. This arbitration provision is intended to be fair to both parties.

Exceptions. Either party may bring a lawsuit in court solely for injunctive relief to stop unauthorized use or abuse of our Services or infringement of intellectual property rights without first engaging in arbitration.

Opt-Out of Arbitration. You may opt out of this arbitration provision within thirty (30) days of first accepting these Terms. To opt out, you must send written notice to info@cashloansexpress.com with the subject line “Arbitration Opt-Out” and include your full name, address, email address, and a clear statement that you wish to opt out of binding arbitration. If you opt out, you will not be subject to any penalty or adverse consequence, and all other provisions of these Terms will remain in full force and effect. If you do not opt out within thirty (30) days, you will be bound by this arbitration provision.

Governing Law. This arbitration provision is governed exclusively by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq. (the “FAA”), and evidences a transaction involving interstate commerce. The FAA shall govern the interpretation, enforcement, and proceedings pursuant to this arbitration provision, notwithstanding any other choice of law provisions in these Terms or any state law to the contrary.

Jurisdiction and Governing Law. Except as provided in the preceding paragraph regarding the FAA’s exclusive governance of arbitration, this Agreement shall be governed by the laws of the State of Delaware, without regard to conflict of law principles. If for any reason a Dispute proceeds in court rather than arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware, and waive any objections to such jurisdiction or venue.

Time Limit to Initiate a Dispute. Any claim or cause of action you may have arising out of or related to the Website, Services, or Content must be initiated within one (1) year from the date the claim arose or the date on which you reasonably should have discovered it. Otherwise, such claim is permanently barred.

25. No Class Action

To the fullest extent permitted by law, you and CashLoansExpress agree that any dispute resolution will be conducted solely on an individual basis and not in a class, consolidated, or representative action. You understand and agree that you are waiving your right to participate as a plaintiff or class member in any purported class action, class arbitration, private attorney general action, or other representative proceeding. Any claim you bring must be asserted solely in your individual capacity.

If you opted out of arbitration pursuant to Section 24, you may separately opt out of this class action waiver within thirty (30) days of first accepting these Terms. To opt out, you must send written notice to info@cashloansexpress.com with the subject line “Class Action Waiver Opt-Out” and include your full name, address, email address, and a clear statement that you wish to opt out of the class action waiver. If you opt out of the class action waiver, all other provisions of these Terms will remain in full force and effect.

If this class action waiver is found to be unenforceable as to a particular claim or request for relief, then that claim or request for relief shall be severed, and all remaining claims shall continue to be subject to arbitration on an individual basis.

26. Severability and Entire Agreement

If any provision of this Agreement, including the arbitration clause, is found to be invalid or unenforceable, that provision shall be reformed to the extent necessary to make it enforceable, consistent with the intent of the original provision. Such a finding shall not affect the enforceability of the remaining provisions of this Agreement.

This Agreement, including any referenced policies or additional terms incorporated by reference, constitutes the entire agreement between you and CashLoansExpress regarding your access to and use of the Website and supersedes any prior or contemporaneous oral or written communications.

27. DMCA Notice

In accordance with the Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512(c), if you believe that any content on this Website infringes upon a copyright you own or control, you may submit a properly formatted notice of claimed infringement to our designated agent at:

Dogstar Digital Corp.
Email: info@cashloansexpress.com

To be effective, your notice must comply with the requirements of 17 U.S.C. § 512(c)(3).

28. California Consumer Notice

Pursuant to California Civil Code Section 1789.3, California users of this Website are entitled to the following consumer rights notice: If you have a complaint regarding the Website or wish to request further information regarding its use, you may contact:

California Department of Consumer Affairs
Consumer Information Division
400 R Street, Suite 1080
Sacramento, CA 95814
Phone: (800) 952-5210 or (916) 445-1254
Email: dca@dca.ca.gov

29. Miscellaneous

Section titles and headings in this Agreement are for reference only and have no legal or contractual effect. If you have any questions, concerns, or feedback about these Terms or the services provided, please contact us at info@cashloansexpress.com.

30. Contact Information

If you have any questions about these Terms, please contact us at:

Dogstar Digital Corp.
d/b/a CashLoansExpress
700 Maine Street, Suite 3
Bangor, ME 04401
Email: info@cashloansexpress.com

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

Bienvenido a Dogstar Digital (la “Compañía”), que opera bajo el nombre comercial CashLoansExpress.com (el “Sitio”). El acceso y uso del Sitio están sujetos a los términos establecidos en este Acuerdo.

Solo debes solicitar un préstamo si estás seguro de que puedes cumplir con los pagos en la fecha de vencimiento sin comprometer tus demás obligaciones financieras. Al aceptar estos términos, confirmas que has proporcionado información precisa y que has evaluado tu situación financiera (ingresos y gastos) para determinar tu capacidad de pago.

La Compañía no es un prestamista directo. Utilizamos un algoritmo único para conectar a los clientes con prestamistas de nuestra red. Esto se basa en los detalles de la solicitud, las preferencias del solicitante y los productos de los prestamistas, pero no incluye la comisión que los prestamistas nos pagan.

🔹 No cobramos ninguna tarifa a nuestros clientes por este servicio.
🔹 Ningún representante de la Compañía, socio financiero o prestamista te pedirá que envíes dinero o compres productos antes de recibir los fondos de tu préstamo.

ACEPTACIÓN DE LOS TÉRMINOS

LEE ESTE ACUERDO DETENIDAMENTE ANTES DE ACCEDER AL SITIO.

Al utilizar el Sitio, reconoces haber leído y aceptado este Acuerdo sin limitaciones ni condiciones, incluyendo nuestra Política de Privacidad.

🔹 ESTOS TÉRMINOS INCLUYEN UNA CLÁUSULA DE ARBITRAJE OBLIGATORIO, lo que significa que cualquier disputa será resuelta individualmente a través de arbitraje y renuncias a participar en demandas colectivas o arbitrajes múltiples.

Si no aceptas estos términos, NO USES EL SITIO.

MODIFICACIONES A LOS TÉRMINOS

La Compañía puede actualizar o modificar este Acuerdo en cualquier momento.

Si sigues usando el Sitio después de estos cambios, se considerará que aceptas los nuevos términos. Revisa esta página periódicamente para conocer las actualizaciones.

USOS AUTORIZADOS

Te autorizamos a usar este Sitio y su contenido solo para uso personal y no comercial.

🔹 Queda prohibido copiar, reproducir, vender o explotar cualquier material del Sitio para fines comerciales.
🔹 Al usar el Sitio, confirmas que has leído y aceptado la Política de Privacidad.

DERECHOS DE PROPIEDAD

Todo el contenido del Sitio está protegido por las leyes de derechos de autor de los Estados Unidos y otros países.

La Compañía no garantiza que tu uso de los materiales del Sitio no infrinja derechos de terceros.

INEXACTITUDES EN EL SITIO

Aunque la Compañía se esfuerza por mantener la información actualizada, no garantiza la precisión o integridad del contenido.

Renunciamos a toda responsabilidad por errores u omisiones en la información publicada en el Sitio.

SEGURIDAD DEL SITIO

Tomamos medidas razonables para proteger la seguridad del Sitio, pero no garantizamos que esté libre de alteraciones no autorizadas.

🔹 No somos responsables de accesos no autorizados ni de cambios en el contenido del Sitio.

RENUNCIA A GARANTÍAS

Ni la Compañía ni terceros involucrados en la creación o mantenimiento del Sitio garantizan que su uso será ininterrumpido o libre de errores.

📌 TODO EL CONTENIDO DEL SITIO SE PROPORCIONA “TAL CUAL”, SIN GARANTÍAS DE NINGÚN TIPO.

Esto incluye, entre otros:
✔ Garantías implícitas de comerciabilidad.
✔ Idoneidad para un propósito particular.
✔ No infracción de derechos de terceros.

⚠ Algunas jurisdicciones no permiten la exclusión de ciertas garantías, por lo que estas limitaciones pueden no aplicarse a ti.

LIMITACIÓN DE RESPONSABILIDAD

📌 El uso del Sitio es bajo tu propio riesgo.

Ni la Compañía ni terceros asociados serán responsables por:

❌ Daños a tu computadora o dispositivo debido al acceso al Sitio.
❌ Pérdida de datos o lucro cesante.
❌ Daños incidentales, indirectos o punitivos.

En ningún caso la responsabilidad total de la Compañía excederá la cantidad que hayas pagado, si corresponde, por el acceso al Sitio.

CONTENIDO ENVIADO AL SITIO

🔹 Cualquier comunicación o material no solicitado que envíes al Sitio será considerado no confidencial y podrá ser utilizado libremente por la Compañía.

Esto incluye:
✔ Reproducción y distribución del contenido.
✔ Uso de ideas, conceptos o sugerencias para desarrollar productos o servicios.

DERECHOS DE MARCA

Las marcas registradas y logotipos en el Sitio son propiedad de la Compañía o de terceros con licencia.

⚠ Queda prohibido el uso de estas marcas sin autorización por escrito.

ENLACES A SITIOS EXTERNOS

Podemos incluir enlaces a sitios web de terceros. No somos responsables de su contenido ni de su disponibilidad.

Tu acceso a estos sitios es bajo tu propio riesgo.

CONDUCTA DE LOS USUARIOS

Está prohibido publicar o transmitir en el Sitio:

❌ Contenido ilegal, amenazante, difamatorio u obsceno.
❌ Material que pueda constituir una violación de la ley.

🔹 Nos reservamos el derecho de eliminar publicaciones y cooperar con las autoridades en caso de incumplimiento.

RELACIÓN CON ANUNCIANTES

🔹 Las interacciones con anunciantes en el Sitio son responsabilidad exclusiva del usuario.
🔹 No somos responsables de pérdidas o daños derivados de tratos con anunciantes.

USO INTERNACIONAL

⚠ No puedes descargar ni exportar materiales del Sitio si te encuentras en un país sujeto a sanciones de EE.UU.

Al usar el Sitio, garantizas que no te encuentras en una jurisdicción prohibida y aceptas indemnizar a la Compañía por cualquier violación de leyes de exportación.

PROHIBICIÓN DE MONITOREO O INTERFERENCIA

Está prohibido:
❌ Usar herramientas automatizadas para copiar contenido del Sitio.
❌ Interferir con el funcionamiento del Sitio.
❌ Sobrecargar los servidores del Sitio.

JURISDICCIÓN Y LEGISLACIÓN APLICABLE

📌 Estos términos se rigen por las leyes del estado de Delaware, EE.UU..

Cualquier acción legal deberá presentarse en los tribunales estatales o federales de Sussex County, Delaware.

Si alguna disposición de estos términos es declarada inválida, las demás seguirán vigentes.

ARBITRAJE OBLIGATORIO

📌 Cualquier disputa será resuelta mediante arbitraje ante la American Arbitration Association (AAA).

🔹 Renuncias a tu derecho a un juicio con jurado y a participar en demandas colectivas.
🔹 El arbitraje será individual y cada parte pagará sus costos.

💡 Si la disputa es menor a $10,000, puedes elegir que el arbitraje se realice en persona, por teléfono o mediante escritos.

📌 El laudo arbitral será vinculante y podrá ejecutarse en cualquier tribunal competente.