By using this website,the User accepts, without modification, the terms, conditions, and notices contained herein. Your use of XBP.International constitutes your agreement to abide by all such terms, conditions, and notices. If you do not agree with any of the terms and conditions of use, please do not use this site.

The intent of the XBP International website is provide the User with a platform that would assist the User properly manage thier bill payments and that XBP International, its owners, officers, directors, agents, employees, and/or contractors are not licenced or qualified to provide mortgage or general financing services or advice in any manner whatsoever in accordance with the laws of Canada and any country where the website is being used. The User acknowledges and understands that XBP International, its owners, officers, directors, agents, employees, and/or contractors do not endorse, support or recommend the use of any service, product or other resource which may be found on or through this website without the consultation of a licensed lawyer in good standing with the Law Society of Upper Canada and a licensed financial advisor registered through the Financial Services Commissions of Ontario or any other governing or regulatory bodies within the User’s applicable jurisdiction. The User understands and agrees that the User’s usage of XBP International should not in any way be used as a substitute for a discussion with either of the aforesaid licensed professionals.

The contents of the XBP International website including, but not limited to, ratings, publications, information, images, illustrations, audio clips, surveys, special features, graphics, logos, service marks registered and unregistered, and software are subject to all applicable intellectual property rights which are owned and controlled by Express Ca Corp or by third parties who have licensed their material or provided permission to Express Ca Corp. for placement on the XBP International website.

Unauthorized use of any content of the website is strictly prohibited and may violate copyright, trademark, patents, or other intellectual property laws and be subject to both civil litigation and criminal charges. To obtain authorized permission please contact us at ceo@expresscapays.ca

XBP International welcomes comments regarding our website and its content and services. However, any notes, messages, postings, ideas, suggestions or other material that the user submits to XBP International will become the sole and exclusive property of Express Ca Corp without any compensation owing to the User who submits same and Express Ca Corp is entitled to use any material a User submits for any type of use forever in any media whether now known or later developed.

When the User submits material to XBP International, the User agrees that Express Ca Corp has the right to use the material in any manner it sees fit including but not limited to promotional and advertising purposes, without compensation to the User of any kind. Accordingly, the User should not send any original creative materials such as stories, product ideas, or artwork. XBP International is owned and operated by Express Ca Corp a company federally incorporated pursuant to the laws of Canada. 

The User understands and agree that the User shall hold harmless and indemnify XBP International, its owners, officers, directors, agents, employees, and/or contractors against any and all expenses, judgments, fines, settlements and other amounts actually and reasonably incurred in connection with any liability, suit, action, loss, or damage arising or resulting from the User’s usage of XBP International or any website accessed through XBP International.

The User understands and agrees that Express Ca Corp., its owners, officers, directors, agents, employees, and/or contractors shall not be responsible or liable to any person or entity whatsoever for any direct, indirect, incidental, punitive, consequential or exemplary damages, including but not limited to, injury, claim by a third party, liability, costs, damages for loss of business and/or profits, data or other intangible losses (even if this website had been advised of the possibility of such damages), resulting from the use of or the inability to use the materials, information, and/or service(s) or any misuse of the materials, information, a nd/or service(s) in a manner not in accordance with their intended use.

The User also understands and agrees that Express Ca Corp. its owners, officers, directors, agents, employees, and/or contractors shall not be held liable for any defamatory, offensive, or illegal conduct of any of the website users. 

You agree that your use of this website shall not violate any applicable local, national or international law including but not limited to any regulations having the force of law, such as professional regulations or any national or local restrictions on the use of the internet by other countries.

When you send us e-mails with comments, questions, and/or suggestions, you are communicating with us electronically and you consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this website, as deemed appropriate in the sole discretion of XBP International.