Terms & Conditions

Acceptance of These Terms

By visiting, browsing, or submitting information through this website, you're agreeing to these Terms & Conditions in full. If you complete our rate-request form and select “Submit,” that action confirms your acceptance of these Terms, our Privacy Policy, and any other disclosures referenced on this page.

Together, these documents make up the entire agreement between you and Excel Capital Partners regarding your use of the Service, and they replace any earlier understanding between us on the same subject, written or otherwise.

Changes to These Terms

We may update these Terms from time to time to reflect changes to our services, our lending partners, or the law. It's your responsibility to check back periodically for the current version. If you continue using the Service after an update has been posted, that continued use means you accept the revised Terms.

Changes to the Service

Excel Capital Partners may add to, change, suspend, or shut down any part of this website or the Service, at any time and without advance notice. We won't be liable to you or anyone else for any inconvenience, loss, or disruption that results from a change like this.

Acceptable Use

If any part of this site lets you contact us or communicate with us — an application form, a chat window, or a similar tool — you agree to use it only for its intended purpose, and never to advertise, resell, or otherwise commercially exploit that channel.

When you complete a rate request or application, you agree to:

• Give us information about yourself that is true, current, and complete
• Keep that information up to date if anything changes while we're processing your request

If we determine that information you gave us is false, outdated, or incomplete, we may close your file and decline to process any current or future request from you. By submitting your information, you also permit us to share it — in aggregate or as needed to fulfill your request — with our network of lending partners and service providers, consistent with our Privacy Policy, including to tailor the offers we show you and to follow up about your request.

Your Responsibilities

You're responsible for everything you submit or transmit through this site, and you agree not to use it for any unlawful purpose. Beyond that general rule, you agree that you will not:

• Interfere with other visitors' ability to use the site
• Break any local, state, federal, or international law that applies to your use of the site
• Pretend to be someone else, or misstate your connection to a person or organization
• Interfere with, disrupt, or attempt to gain unauthorized access to the site, its servers, or any connected network
• Send spam, chain messages, pyramid schemes, or other unsolicited bulk communications through the site
• Post or transmit anything unlawful, threatening, defamatory, obscene, or otherwise inappropriate
• Upload material you don't have the rights to, including anything protected by copyright, trademark, or patent
• Introduce viruses, malware, or code designed to damage or disrupt our systems
• Harass, stalk, or attempt to collect personal information about other visitors
• Advertise or sell goods or services through the site unless we've expressly agreed to that use
• Copy, resell, or otherwise commercially exploit any part of the site without our permission
• Violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, or any other law governing lending, credit, or debt-collection communications

We don't actively monitor everything submitted through the site, but we reserve the right to review it, remove it, and end your access at any time and for any reason, without advance notice. Where the law requires or permits it, we may also share information with regulators, law enforcement, or other parties to comply with a legal request.

Account & Security

Some areas of our site, or services we offer in the future, may require you to register and create login credentials. If so, you agree to provide accurate, current, and complete information as part of that process, and you're responsible for keeping your username and password confidential. You're also responsible for all activity that takes place under your login.

If you believe your account has been accessed without authorization, or you notice any other security issue, let us know right away. We're not responsible for losses that result from someone else using your credentials without our knowledge, but you could be held responsible for losses we or a third party experience because you didn't keep your login information secure. Please don't share your account access with anyone else without our prior consent.