1. Acceptance of these Terms

These Terms of Service (“Terms”) govern your access to and use of the Express Legal Funding mobile application (the “App”). By downloading, installing, or using the App, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the App.

2. Who we are

The App is provided by Express Legal Funding (“we,” “us,” “our,” or “ELF”), a Texas limited liability company, with principal offices at 5717 Legacy Drive, Suite 250, Plano, TX 75024. Contact: info@expresslegalfunding.com.

3. What the App is — and isn’t

The App is a free informational tool that lets you: - Estimate a hypothetical payoff at the time your case settles based on inputs you provide (advance amount, monthly rate, expected case duration). - Save and compare multiple scenarios locally on your device. - Submit an inquiry to our intake team so we can evaluate whether to extend a funding offer.

The App is not: - A loan, a credit product, or an extension of credit. - An offer or commitment to provide funding. - Legal advice, financial advice, tax advice, or investment advice. - A guarantee of any rate, term, approval, settlement value, or case outcome. The estimator does not calculate APR, interest under consumer-credit laws, or any legally required financing disclosure.

Pre-settlement legal funding is non-recourse: subject to certain conditions and exceptions, if your case is unsuccessful, you owe nothing. Specific rates, fees, and terms are governed by a separate written funding agreement signed by you and ELF, not by the App.

4. Eligibility

To use the App, you must be: - At least 18 years old. - A natural person with capacity to enter into a contract under the laws of your jurisdiction. - Located in a U.S. state in which ELF chooses to offer services consistent with applicable laws and regulations. The App is not intended for use in jurisdictions where pre-settlement funding is restricted or prohibited.

You may not use the App on behalf of another person without their authorization.

5. No reliance — estimates only

The numbers the App produces are estimates that depend entirely on the inputs you provide. They are not offers, quotes, or guarantees. Applicable laws may limit or affect rates, fees, and funding structures in certain jurisdictions. Your actual funding and payment terms will depend on case review, applicable state law, and our underwriting process and decisions. Do not rely on the App’s output for any financial decision.

6. Accurate information

If you submit an application, you agree to provide truthful, accurate, and complete information about yourself, your case, and your attorney. Submitting false or misleading information may result in denial of funding, voiding of any subsequent funding agreement, and may constitute fraud. We reserve the right to verify information submitted through the App and to deny inquiries suspected of fraud, abuse, or unauthorized activity.

7. Authorization to contact you

By submitting your information, you expressly consent to receive calls, text messages, and emails from ELF and its service providers regarding your inquiry, including through automated dialing technology or prerecorded messages where permitted by law. Consent is not required as a condition of obtaining funding. Standard message and data rates may apply. You can opt out of non-essential communications at any time by replying STOP to a text or emailing optout@expresslegalfunding.com.

8. Acceptable use

You agree not to: - Use the App for any unlawful purpose or in violation of these Terms. - Reverse-engineer, decompile, or disassemble the App, except to the extent that applicable law expressly prohibits this restriction. - Use the App to harass, defraud, or impersonate any person. - Interfere with or disrupt the App, our servers, or any networks connected to the App. - Use automated means (bots, scrapers) to submit applications or harvest data. - Use the App or its outputs to train machine-learning models or develop competing products. - Use the App if you are not the applicant (e.g., on behalf of a client without authorization).

We may suspend or block access to the App if we reasonably believe you have violated these Terms.

9. Intellectual property

The App, including its text, layouts, graphics, logos, the Express Legal Funding name and mark, and underlying source code, is owned by ELF or our licensors and is protected by U.S. and international copyright, trademark, and other intellectual-property laws. We grant you a personal, limited, non-exclusive, non-transferable, revocable license to install and use the App on devices you own or control, for your own personal use. All rights not expressly granted are reserved.

10. Third-party services

The App is distributed through the Apple App Store and Google Play, and may transmit your submissions through third-party services (such as Slack). These third parties have their own terms and privacy policies; we are not responsible for them. The App also includes open-source software components whose licenses are made available within the App or via our website.

11. Disclaimers

The App is provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including the implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation. We do not warrant that the App will be error-free, that defects will be corrected, that the App will be free of viruses or harmful code, or that the calculator’s output is suitable for any specific purpose.

Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, the above exclusions apply only to the extent permitted.

12. Limitation of liability

To the fullest extent permitted by law, neither ELF nor our officers, directors, employees, agents, or licensors will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, goodwill, or business opportunities, arising out of or related to your use of the App, even if we have been advised of the possibility of such damages.

Our total cumulative liability to you for any claim arising out of or related to the App will not exceed one hundred U.S. dollars (USD $100.00).

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for gross negligence, fraud, or willful misconduct.

13. Indemnification

You agree to indemnify, defend, and hold harmless ELF and our officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the App, (b) your violation of these Terms, (c) information you submit through the App, or (d) your violation of any law or the rights of any third party.

14. Termination

We may suspend or terminate your access to the App at any time, with or without notice, for any reason, including violation of these Terms. You may stop using the App at any time by deleting it from your device. Sections that by their nature should survive termination (including Sections 9, 11, 12, 13, 15, and 16) will survive.

15. Governing law and dispute resolution

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any dispute arising out of or related to these Terms or the App will be resolved exclusively in the state or federal courts located in Collin County, Texas, and you consent to personal jurisdiction in those courts.

16. Changes to these Terms

We may update these Terms from time to time. The “Last Updated” date at the top will reflect any changes. Material changes will be communicated through the App or by email at least 14 days before they take effect. Continued use of the App after a change indicates acceptance of the updated Terms.

17. Apple App Store / Google Play notices

If you obtained the App from the Apple App Store: - These Terms are between you and ELF, not Apple. Apple is not responsible for the App or its content. - Apple is a third-party beneficiary of these Terms and may enforce them against you. - Apple has no obligation to provide maintenance or support for the App. - In case of any failure of the App to conform to applicable warranty, you may notify Apple, who will refund the purchase price; Apple has no other warranty obligation.

If you obtained the App from Google Play, the corresponding Google Play terms apply.

18. Miscellaneous

• Entire agreement. These Terms and our Privacy Policy are the entire agreement between you and ELF regarding the App.
• Severability. If any provision is held unenforceable, the rest will remain in effect.
• No waiver. Our failure to enforce a provision is not a waiver of our right to enforce it later.
• Assignment. You may not assign these Terms; we may assign them to a successor in connection with a merger, acquisition, or sale of assets.
• Notices. Notices to you may be provided in the App or via the email address you submitted. Notices to us should be sent to the address in Section 2. You consent to receive disclosures, notices, and communications electronically.

19. Contact

Questions about these Terms: legal@expresslegalfunding.com or the mailing address in Section 2.