Terms and Conditions

Last updated: October 2021

Thank you for visiting XACT’s website XACT at www.XACT.com/ (the “Web Site”). XACT provides you with access to this Web Site subject to the terms and conditions contained in these Terms and Conditions of Use. These Terms and Conditions of Use were last updated in July 2021. The use of this Web Site constitutes an agreement to these Terms and Conditions of Use, which together with XACT’s Privacy Policy govern XACT’s relationship with you relating to this Web Site. If you do not agree to comply with and be bound to these Terms and Conditions of Use, please exit this site immediately. 

Use of Site

The Parties expressly authorize the personal use of this Web Site, which includes viewing its content and making a reasonable amount of copies for the sole purpose of retaining documents for your personal files. The distribution, transmission, display, or duplication of materials contained in this Web Site is prohibited without the prior written consent of the Parties.


This Web Site contains material that is either owned by CCBank, Axcess Financial Services, or licensed to CCBank or Axcess Financial Services. The service marks, trademarks, or copyrights of CCBank, and Axcess Financial Services or its subsidiaries or affiliates include, but are not limited to Axcess, Axcess Financial, Check ‘n Go, and Allied Cash Advance. These and other copyrighted or trademarked materials are protected by applicable federal copyright laws or international treaties. By downloading any trademarked or copyrighted material, you agree that you do not obtain any ownership rights in such material, including the exclusive rights granted by U.S. Copyright law.

Disclaimer of Warranties

This Web Site and its content are provided for your personal use only on an “as is” basis. The Parties, or any of its subsidiaries or affiliates, does not warrant the accuracy, completeness, timeliness, non-infringement, title, merchant-ability, or fitness for a particular purpose of the content of the Web Site itself, and the Parties hereby disclaim any such express or implied warranties to the extent permissible by applicable law. Further, the Parties do not warrant that the content of this Web Site is free from any viruses, worms, or other code that may result in harmful properties notwithstanding Parties efforts to implement reasonable safeguards to protect against these harmful properties. The Parties may amend or modify the content of this Web Site in any way without notice.

Third Party Hyperlinks

This Web Site may contain hyperlinks to other Web Sites that are not owned, operated, or maintained by XACT. These Terms and Conditions of Use apply only to this Web Site and not to the third party sites. The hyperlinks to the third party sites are provided for your reference and convenience only and do not imply any review or endorsement of any material contained on third party sites or any associations or affiliations with those represented in third party sites or its owners or operators. XACT is not responsible for the content contained in third party sites, which may contain information that is inaccurate, incomplete, or outdated. By viewing, using, or relying on information contained in third party sites, you do so solely at your own risk.


In the event that any legal action is taken resulting from your use of this Web Site or any unsolicited information provided by you, you agree to defend, indemnify, hold harmless, and pay any reasonable legal and accounting fees without limitation incurred by XACT, its affiliates, its and their directors, officers, employees, agents, investors, or licensers. XACT shall have the right, at its option and expense, to participate in the defense and /or settlement of any claim or action, or to assume the exclusive defense and control of any matter otherwise subject to indemnification by you without relieving your indemnification obligations. In no event shall you settle any suit or claim imposing any liability or other obligations on the Parties without its prior written consent.

Choice of Law

These Terms and Conditions of Use shall be construed in accordance with the laws of the State of Utah.


Minors This Web Site is not directed at children under the age of thirteen years old. XACT does not knowingly collect personal information from children under thirteen years old from this Web Site.

Web Site Security

You are prohibited from violating or attempting to violate the security of this Web Site, including, but not limited to the following activities: (1) accessing data not intended for you or obtaining personal information about any XACT Web Site user or customer; (2) attempting to probe, test, or scan the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (3) attempting to interfere with service to any user, host or network, or otherwise disrupt XACT business, including, without limitation, by submitting a virus to the Web Site, overloading, "flooding," "spamming," "mailbombing" or "crashing;", or sending unsolicited email, including promotions and/or advertising of products or services.

Mobile Terms and Conditions

Effective Date: October 2021

Transactional Texts

To receive Loan Application Updates and Marketing Messages from XACT through your mobile device, text JOIN to 33484. By doing so, you will receive text messages regarding your loan application as well as upcoming product offerings through mobile text alerts using an automatic telephone dialing system. Message and data rates may apply. The number of messages you receive will vary based on account activity. Consent to receive Loan Application Updates and Marketing Messages via text message is not required as a condition of purchasing any goods or services. By signing up, you are confirming you are over the age of 18.

STOP Information

Text STOP to 33484 to stop receiving Account Management Messages and Marketing Messages from XACT (you will receive a confirmation text).

Supported Carriers

Supported carriers are: 
AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina - Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. Carriers are not liable for delayed or undelivered messages.

Privacy Policy

We take your privacy seriously. Please visit www.xact.com/legal/privacy-policy to review our privacy policy.

Authorization for the Social Security Administration to Disclose Your Social Security

I authorize the Social Security Administration (SSA) to verify my Social Security number (SSN) to match my name, SSN, and date of birth that I submitted for this application/transaction with information in SSA records and to disclose to:  Xact Loan (Capital Community Bank) a match or no-match response concerning the results of the SSN verification for the following purpose of the other purpose.