1. Acceptance of Terms
By accessing or using the Credit Smart Choice website, you acknowledge
that you have read, understood, and agreed to be bound by these
Terms & Conditions. If you do not agree with these terms, you should
discontinue use of the website immediately.
2. Eligibility
Our services are intended for individuals who are at least 18 years
of age and legally capable of entering into binding agreements.
Certain financial products may have additional eligibility
requirements, including credit evaluation, income verification,
residency requirements, and underwriting approval.
3. Financial Services Disclaimer
Information provided on this website is for general informational
purposes only and should not be considered financial, legal,
investment, accounting, or tax advice. Before making financial
decisions, you should consult qualified professionals who understand
your specific circumstances.
4. Product Availability
Financial products and services described on this website may not be
available in every state or jurisdiction. Product features, pricing,
interest rates, insurance premiums, and availability are subject to
change without prior notice and may vary based on applicable laws,
creditworthiness, and individual circumstances.
5. User Responsibilities
You agree to provide accurate, complete, and current information
whenever requested. You are responsible for maintaining the
confidentiality of any account credentials and for all activities
conducted under your account.
6. Prohibited Activities
You agree not to:
- Use the website for unlawful purposes.
- Submit false or misleading information.
- Attempt unauthorized access to our systems.
- Upload malicious software or harmful code.
- Interfere with website functionality or security.
- Copy, reproduce, or redistribute website content without authorization.
7. Payments & Transactions
Certain services may require payment of fees. Any payment obligations,
repayment schedules, interest rates, premiums, or service charges
will be governed by the specific agreement provided before completing
the transaction. Failure to comply with payment obligations may
result in additional fees or termination of services where permitted
by law.
8. Intellectual Property
All website content, including text, graphics, logos, icons, images,
software, trademarks, and other materials, is the exclusive property
of Credit Smart Choice or its licensors and is protected under applicable
intellectual property laws. Unauthorized reproduction or commercial
use is strictly prohibited.
9. Third-Party Services
Our website may contain links to third-party websites or integrate
services provided by external financial institutions, payment
processors, or insurance providers. We are not responsible for the
content, availability, or policies of those third-party services.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Credit Smart Choice,
its affiliates, officers, employees, and partners shall not be liable
for any indirect, incidental, consequential, special, or punitive
damages arising from your use of the website or reliance upon any
information provided herein.
11. No Guarantee
We make reasonable efforts to maintain accurate and current
information. However, we do not guarantee the completeness,
reliability, availability, or accuracy of any information, financial
calculations, investment performance, loan approval, or insurance
eligibility presented on this website.
12. Indemnification
You agree to indemnify and hold harmless Credit Smart Choice from any
claims, damages, liabilities, expenses, or legal costs arising from
your violation of these Terms & Conditions or misuse of our website
and services.
13. Termination of Access
We reserve the right to suspend, restrict, or terminate your access
to the website without prior notice if we believe you have violated
these Terms, applicable laws, or engaged in fraudulent or harmful
activities.
14. Governing Law
These Terms & Conditions shall be governed by and interpreted in
accordance with the laws of the State of USA, United States,
without regard to conflict-of-law principles.
15. Dispute Resolution
Any dispute arising from the use of this website shall first be
resolved through good-faith negotiations. If the dispute cannot be
resolved informally, it shall be submitted to binding arbitration
under the rules of the American Arbitration Association before either
party seeks judicial remedies, except where prohibited by law.
16. Changes to These Terms
We reserve the right to update or modify these Terms & Conditions at
any time. Updated versions will become effective immediately upon
publication on this website. Continued use of the website following
any changes constitutes acceptance of the revised Terms.
17. Contact Information
For questions regarding these Terms & Conditions, please contact us:
Credit Smart Choice
Email: legal@creditsmartchoice.com
Phone: +1 818-802-6539
Business Hours: Monday – Friday, 9:00 AM – 6:00 PM EST