Terms and Conditions
PLEASE READ THESE TERMS AND CONDITIONS (the “Terms”) CAREFULLY BEFORE USING THIS SITE.
These Terms apply to your use of the Connect Smart Money website and related websites operated by the Company, along with the loan connection or financial product connection services made available through them. These Terms also apply to our marketing partners, affiliates, parties calling or texting on their behalf, and any other parties participating in our promotional, referral, or affiliate programs.
By accessing or using this Service, you agree to be bound by these Terms and Conditions and acknowledge that you have read, understand, and agree to be legally bound by them, as well as by our Privacy Policy, which is incorporated herein by reference.
These Terms shall be enforceable by the Company as well as its Marketing Partners and affiliates. You acknowledge that the Company’s Marketing Partners and affiliates shall be considered intended third-party beneficiaries to all rights and benefits outlined within these Terms.
BY USING THE SERVICE, YOU ARE AGREEING TO WAIVE YOUR RIGHT TO APPRAISE YOURSELF OF JUDICIAL PROCESS, INCLUDING CLASS ACTION LAWSUITS, FOR ANY AND ALL DISPUTES, CLAIMS OR CONTROVERSIES YOU MAY HAVE AGAINST COMPANY, ITS MARKETING PARTNERS AND ITS AFFILIATES TO THE GREATEST EXTENT ALLOWED BY APPLICABLE LAW.
We reserve the right to modify, suspend, or discontinue the Service, or any part thereof, at any time, with or without notice, including to comply with applicable laws or regulations. We also reserve the right to update or revise these Terms from time to time, and the Last Updated date above reflects the latest version.
Services and Products on Offer
Connect Smart Money is not a lender and is not responsible for any credit decisions that may be made about you or any lending product or other financial product that may be offered to you. Loan offers and other financial product offers are provided solely by independent third-party companies.
We provide no advice regarding the suitability, terms, or conditions of any loan or product. All users are encouraged to independently review loan and product terms and consult with a financial advisor before accepting any offer.
Submitting your information does not guarantee loan or product approval or that you will be connected with a lender or other financial product provider, nor receive the full loan amount requested. You are under no obligation to accept a loan or any other product offer once you are connected with a provider.
Entire Agreement
These Terms, along with the Privacy Policy and any other agreements expressly referenced herein, constitute the entire agreement between you and Connect Smart Money regarding your use of the Service and supersede all prior understandings or agreements, whether written or oral.
Loan Request Policy
Connect Smart Money reserves the right to reject your request for any reason not prohibited by law. Additional information or verification may be required before your form is accepted.
When you submit your information through our Service, you will be connected with a lender or other partner based on their policies and procedures for further consideration. This does not mean your loan has been approved or you have been approved for any other product or service.
Connect Smart Money is not responsible for taking, approving or denying your loan request. Loan or other product approval is solely the lender’s or other partner’s decision.
If we cannot find a lender or lending partner that can offer you the type of loan you requested, we may attempt to connect you with other lending partners or other partners offering alternative loan products or other financial products. You are under no obligation to accept any product offered through our service.
Changes to Loan Processing or Partner Networks
Connect Smart Money may modify the methods used to process loan requests, update our network of lending or other financial product partners, or change the types of loans or products we facilitate at any time.
E-sign Consent
You agree that clicking a submit button on the Service acts as your electronic signature. You authorize Connect Smart Money, our Websites, Marketing Partners, and any affiliated lenders or partners to communicate with you electronically, including required disclosures.
You confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.
Credit Authorization
You authorize Connect Smart Money, our Websites and our Marketing Partners to obtain your credit and consumer information from credit bureaus, use your information for identity verification and debt-to-income analysis, and share your information with lenders or service providers for credit decisions and prequalification.
Site Access and Record Keeping
By consenting to electronic communications and credit authorization, you agree that Connect Smart Money and Marketing Partners may retain records of your consent and interactions and may provide such records to third parties as necessary for compliance, auditing, or dispute resolution purposes.
Changes to Consent or Authorization
You may revoke or modify your consent for electronic communications or credit authorization at any time by contacting Connect Smart Money, Marketing Partners or the applicable lender or product provider, provided that such revocation does not affect any processing already underway.
Operational Transparency
Connect Smart Money may update its methods for obtaining and sharing credit information, or implement additional identity verification measures, in accordance with applicable law and lender or other financial partner requirements.
Eligibility and Restrictions
To submit a loan request through our Service, you must be at least 18 years of age and be a legal resident of the United States of America.
You represent that you are not located in a country subject to a United States Government embargo and are not listed on any United States government list of prohibited or restricted parties.
You agree not to use this Service for any unlawful or unauthorized purpose. Connect Smart Money may update eligibility criteria, including age, residency, or other requirements, in accordance with legal obligations or provider policies.
Site Access and User Responsibility
You agree to provide accurate, current, and complete information when using the Service. Connect Smart Money reserves the right to suspend or terminate access if information provided is false, incomplete, or misleading.
You are responsible for maintaining the confidentiality of any account information, passwords, or credentials associated with the Service. Any activity conducted under your account is your responsibility.
Service Use
Connect Smart Money does not charge you to use this Service. We are not acting as an agent for you, any lender or financial service partner, or any supplier or vendor used in the evaluation of your loan inquiry or other use of this Service.
We may receive compensation from lenders or lending partners and other third parties for the services we provide to them, related or not to the Service we provided to you.
Email and SMS Marketing
By providing your email address, you consent to receive both transactional and promotional emails from Connect Smart Money, Marketing Partners, lenders, affiliates and other third parties.
By submitting your information on this Service, you are voluntarily opting-in to mobile marketing. You expressly consent to receive SMS marketing messages from Connect Smart Money, Marketing Partners, affiliates, and third-party partners.
You understand and agree that message and data rates may apply and that you are solely responsible for these charges. You may opt out of SMS messages by following instructions provided in the relevant message.
Changes to Marketing Policies
Connect Smart Money may modify marketing practices, opt-in procedures, or communication frequencies at any time without prior notice. Continued use of the Service after changes constitutes acceptance of updated marketing terms.
Compliance with Laws and Investigations
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this Service and any third-party products or services accessed through it.
We reserve the right to investigate any potential violations of our Terms and Conditions and Privacy Policy, suspend or terminate access during investigations, delete data from our servers to minimize further violations, and report actual or perceived violations of law to law enforcement or other authorities.
Intellectual Property
All content, features, and functionality on this website, including trademarks, graphics, text, software, and images, is the exclusive property of Connect Smart Money or its licensors. You may access and print content for personal, non-commercial use only in connection with submitting a loan request.
Any third-party content accessible through this Service is subject to the applicable third-party intellectual property rights. Unauthorized use of intellectual property may result in suspension, termination, or legal action.
Limitation of Liabilities and Warranties
THIS SERVICE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND.
Connect Smart Money and Marketing Partners do not guarantee any specific results from the use of this Service or the information, software, products, or services provided. Your use of this Service is at your sole risk.
To the maximum extent permitted by applicable law, Connect Smart Money and its Marketing Partners shall not be liable for direct, indirect, incidental, consequential, special, exemplary, or punitive damages or other losses arising out of or related to your access to or use of this Service.
Some states do not allow the limitation of liability and disclaimer of implied warranties, so the disclaimers and limitations above may not apply to you in full. In such states, liability is limited to the greatest extent permitted by law.
Indemnity
As a condition of your use of this Service, you agree to indemnify, defend and hold harmless Connect Smart Money, its Marketing Partners, affiliates, officers, directors, agents, employees, service providers, and partners from and against any and all claims, damages, liabilities, losses, costs or expenses arising out of your use or attempted use of this Service, your violation of these Terms and Conditions or Privacy Policy, your infringement of any third-party rights, or any communications or submissions made through the Service.
Third Party Content
This website may include links to or integrate content from third-party websites, services, or providers. Connect Smart Money does not control, endorse, or guarantee the accuracy, completeness, or reliability of any such third-party content, products, or services.
Privacy
Your use of this Service is subject to the Connect Smart Money Privacy Policy, which is incorporated by reference. By using our Service, you consent to the collection and use of your data as described therein.
Security
While we use industry-standard technology and security protocols to protect your personal information, we cannot guarantee that your personal information, searches or other communications will always remain secure and will not be intercepted or decrypted by others.
Disputes and Legal Terms
Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of Delaware, without regard to its conflict of law principles, and the Federal Arbitration Act. You agree that any dispute or legal action related to these Terms and Conditions, Privacy Policy, or Service provided shall be resolved in accordance with this governing law.
If, and only if, a court of competent jurisdiction finds either the arbitration or class action waiver provisions unenforceable, then legal proceedings shall be submitted to the jurisdiction of any state court sitting in Delaware for purposes of all legal proceedings arising out of or relating to this Agreement.
Contact Information
For any questions or concerns about these Terms and Conditions, please contact us via our Contact Page.
PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR REQUEST STATUS, YOU MUST CONTACT YOUR LENDER OR LENDING PARTNER DIRECTLY.