AGREEMENT BETWEEN USER AND THIS SITE
This web site is offered to you, the "User," conditioned on your acceptance without modification, of the terms, conditions, and notices contained in this agreement. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices.

SECURITY POLICY
Express-Credit-Card-Approvals.com uses extensive and sophisticated secure technology to protect your data and transmissions between you, Express-Credit-Card-Approvals.com and lenders participating in this Web site (the "participating lenders"). Here are the highlights:

• Secure transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. This technology requires a SSL-capable browser such as MS Internet Explorer 3.0 (or later) or Netscape Navigator 2.0 (or later).

LOAN & CREDIT CARD ORIGINATION SERVICES
Express-Credit-Card-Approvals.com is not a lender and does not make loans or credit decisions.. Express-Credit-Card-Approvals.com does not endorse, recommend or favor the products of any participating lender. Express-Credit-Card-Approvals.com is not an agent of either you, the User, or any participating lender. Express-Credit-Card-Approvals.com's services are administrative, consultative long with being a resource provider to credit credit offers and loan services. You should rely on your own judgment in deciding which available loan or credit card product best suits your needs and financial means. The lender or credit card provider/issuer you select is solely responsible for its services to you, and you agree that Express-Credit-Card-Approvals.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. 

COPYRIGHT AND TRADEMARK NOTICES
All contents of this Web site are: Copyright © 2004 Express-Credit-Card-Approvals.com and/or its suppliers or participating lenders. All rights reserved. Other product and company names mentioned herein, including the names of participating lenders, may be the trademarks of their respective owners.

DISCLAIMERS AND LIMITATIONS
Express-Credit-Card-Approvals.com intends that the information contained in this Web site be accurate and reliable; however, errors sometimes occurs. In addition, changes and improvements to the information provided herein may be made by Express-Credit-Card-Approvals.com at any time. THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." Express-Credit-Card-Approvals.com AND/OR ITS SUPPLIERS OR PARTICIPATING LENDERS OR CREDIT CARD ISSUERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE 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 THIS WEB SITE IS AT YOUR OWN RISK. Express-Credit-Card-Approvals.com AND/OR ITS SUPPLIERS OR PARTICIPATING LENDERS 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 OF THIS WEB SITE OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Express-Credit-Card-Approvals.com AND/OR ITS SUPPLIERS HAD 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.

INDEMNITY
As a condition of use of this Web site, you agree to indemnify Express-Credit-Card-Approvals.com and its suppliers and participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by you of this agreement.

LINKS TO THIRD PARTIES
This Web site may contain links to Web sites maintained by third parties. Such links are provided for your convenience and reference only. Express-Credit-Card-Approvals.com does not operate or control in any respect any information, software, products or services available on such Web sites. Express-Credit-Card-Approvals.com inclusion of a link to a Web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.