Terms of use

Terms of Use

“Smart Reviews” (also referred to as “the Site”, “Smart Reviews”, “we”, “us”, “our”, or “Company”) recommends all users to scrutinize this User Agreement (“Agreement”). By utilizing, viewing, or accessing this site/services through any means, be it direct or indirect, or by utilizing the products or services provided and available through this site/services by any other means (for instance, telephone, mail, text, email or facsimile), you consent to abide by these Terms of Use.

Alteration or Suspension of the Site

We retain the exclusive right, whenever we deem necessary, to modify, suspend or cease the sites or any service, content, feature or product offered through the Site, without prior notification. You agree that we will not be held accountable to any third party for any change, suspension or discontinuance of the Site, or any service, content, feature or product offered through the Site.

Services

This site/services offer data and assessments on financial services and consumer products and might allow users to solicit additional information through an inquiry. Personal information submitted in conjunction with this site/service is subject to our Privacy Policy. For further details, refer to our Privacy Policy. You comprehend and consent that if you make an inquiry or request more information on this site, Smart Reviews will distribute your personal information to our network of clients including, but not limited to: mortgage bankers, mortgage brokers, credit advisors, insurance brokers or any other business in our client network that may be related or unrelated to the service or product you have shown interest in. Various types of businesses related or unrelated to your inquiry may be given your information and may contact you. We do not impose a fee for utilizing this site/services. You acknowledge that eligibility requirements for a specific loan product are established by the client network and we do not endorse, warrant, or guarantee such outcomes. We do not function as a mortgage lender, debt servicer, debt settlement, real estate company, insurance agent, auto sales company or automotive warranty organization. Your inquiry does not constitute any type of application for any financial product. Before submitting your inquiry, you consent to receive autodialed or prerecorded calls (including to mobile numbers) and texts and emails from Smart Reviews and its affiliates, partners, and vendors to the phone numbers (including mobile numbers) and email addresses you provide to Smart Reviews and to any phone numbers or email addresses subsequently associated with you by Smart Reviews or its affiliates or marketing partners, affiliates or vendors. You understand and agree that your consent is not a condition, directly or indirectly of a purchase. Licensed organizations who may contact you are subject to Federal and State laws and regulations for their practices. Please review the privacy practices of all third parties who contact you. If you have any questions regarding their practices, please contact them directly.

This site/services are not designed for the use of minors. You certify to Smart Reviews that:

• You are at least 18 years of age.
• You assume complete responsibility for the use of this site/service by any minors.
• Any information you have submitted to us on this site or otherwise, is accurate, complete and you have not submitted or provided false information to us. Your use of this site/service is subject to all applicable federal, state, and local laws and regulations.

Advertiser Disclosure

Our highest ranked sites are evaluated on the basis of our own perspectives, knowledge and expert opinions. We are able to offer you our free online comparison tool due to referral fees we receive from a number of companies that are compared and reviewed on our website. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.

Our Ranking Methodology

The featured products displayed on this site belong to companies from which we may receive compensation. This compensation may influence how and where products are presented on the site including the sequence in which they appear. Ranking and order of products on the site can change and the site does not include all available products in their respective categories. Additional factors that influence our rankings could include the user’s device, operating system, location, day of the week, time of day, cookie data, or any self-assessed data we may generate on this site.

Restricted Usage

This site/service must not be utilized for illegal activities or for transmitting any content that is unlawful, abusive, harmful, harassing, libelous, ethnically or racially offensive, intrusive of another’s privacy, obscene, threatening, vulgar, sexually explicit, defamatory, or that may infringe upon the intellectual property rights or any other rights of others. Furthermore, content that may reasonably be viewed as objectionable should not be transmitted.

You are strictly prohibited from meddling, directly or indirectly, with the proper operation of this system, site, or service, which includes system integrity or security. Any interference with any account or any ongoing communication or transaction on this site/service is strictly forbidden.

You are not allowed to use any robot, spider, automatic device, or manual process to monitor, access, or copy our web pages or any content without our explicit written permission beforehand. Any action resulting in an unreasonably large or excessive load on our infrastructure is prohibited.

Uploading, posting, transmitting, submitting, emailing, or otherwise making available any data or content that is protected under any law or contractual relationship which you do not have the right to distribute is forbidden. Fraudulent conduct, impersonation, or attempting to conceal your identity is not allowed.

Lastly, any interference or attempts to interfere with the proper functioning of this site/service is strictly prohibited.

Intellectual Property Rights Notice

The material and services found on our website are the intellectual property of us and other entities. We possess exclusive ownership of the website and all its contents, inclusive of all U.S. and international copyright, trademarks, patents, trade secrets, and other intellectual property rights related to it (collectively known as the “Website Content”). Unless specifically stated in this Agreement, you are prohibited from downloading or saving a copy of the website or any part of it for any reason. However, for personal records or non-commercial use, you can print individual screens from the Website Content, given that our trademarks, logos, or other symbols that appear on these screens remain unaltered and not removed. Except as expressly allowed in this Agreement, any modification, copying, publishing, display, transmission, adaptation, or exploitation of any part of the Website Content requires prior written approval from us and any other entities holding relevant intellectual property rights. Any unauthorized attempt to modify the Website Content, bypass our security measures, or use our website for purposes other than its intended use is strictly forbidden.

Disclaimer

All content and services related to our services are provided on an “as-is” and “as available” basis. We make no warranties or representations, explicit or implied, about the operation of our services, or about the information, content, materials, or services connected to it, including any financial product you may select. You explicitly agree that your use of our services is at your own risk.

We make no guarantees, and expressly reject, any representations, warranties or guarantees, explicit or implied, about the accuracy, correctness, or completeness of the content or the safety, reliability, title, timeliness, completeness, merchantability, conformity or fitness for a particular purpose of the content or services and products associated with our services. You are solely responsible for independently evaluating the accuracy, correctness or completeness of the content and associated services and products and any loan you accept.

Liability Limitation

We, along with our subsidiaries, partners, agents, affiliates, licensors, successors, assigns, and their respective officers, directors, employees, and shareholders, shall not be held liable for any indirect, direct, special, punitive, incidental or consequential damages, or any other damages resulting from the availability, use, reliance on, or inability to use the website or Website Content, regardless of the advice of potential damages. This remains true regardless of the nature of action, be it contract, tort, or otherwise. Any cause of action related to our service must begin within one (1) year after the cause of action accrues, or it is permanently barred.

In certain jurisdictions, some warranties cannot be excluded or limitations of liability for incidental or consequential damages are not allowed. In such cases, our liability will be restricted to the greatest extent permitted by law.

Arbitration Agreement and Class Action Waiver

This arbitration provision limits your ability and ours to litigate claims in court, and both parties agree to forgo their respective rights to a jury trial or a state or federal judge. You consent to not file any lawsuit against us in any state or federal court.

By accessing and/or using any of our services, you consent to the terms and conditions of this arbitration agreement. If you disagree with these terms, do not use our services or submit any contact information.

This agreement mandates arbitration for all disputes. You agree that disagreements between you and us will be addressed through binding, individual arbitration, and you renounce your right to participate in a class action lawsuit or class-wide arbitration.

All disagreements between you and us will be addressed through binding, individual arbitration and not in court or by jury trial. If a disagreement is arbitrated, you give up your right to participate as a class representative or class member in any class claim against us, including any right to class arbitration or consolidation of individual arbitrations.

Both parties agree to attempt to resolve any disagreements informally for 60 days before resorting to binding individual arbitration before the American Arbitration Association (“AAA”) under the Federal Arbitration Act (“FAA”), rather than suing in court before a judge or jury. A neutral arbitrator will make the final decision with a limited right of appeal under the FAA. Class action lawsuits, class-wide arbitrations, private attorney-general actions, and other proceedings where someone represents a class are not permitted. Nor are individual proceedings allowed to be combined without the consent of all parties.

You consent to the Arbitrator having exclusive jurisdiction over any disagreement with us. The Federal Arbitration Act facilitates the enforcement of arbitration agreements and governs the interpretation and enforcement of this agreement to arbitrate.

If any part of this Arbitration Agreement is deemed invalid or unenforceable, that specific provision will be void, but the rest of this Arbitration Agreement will remain in effect. No waiver of any provision of this Arbitration Agreement will be valid unless documented in writing and signed by the party waiving such right or requirement. This Arbitration Agreement will remain valid even after the termination of your relationship with us.

Indemnification

You agree to protect and hold us, our subsidiaries, affiliates, agents, shareholders, officers, contractors, vendors, employees, and service providers harmless from any claim or demand, including attorneys’ fees, resulting from your use of this site/service, your violation of this Agreement, or your infringement of any intellectual property or other rights of any person or entity. We and our service providers take no responsibility for such content or actions. We reserve the right, at our own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you.

Termination

If you breach any part of this Agreement or the provisions in the Privacy Policy, you may no longer use this site/service. We may, at our discretion, terminate, change, or suspend this site/service or any part of it at any time, for any reason, without notifying you and without any liability to you or any other person. You consent that all terminations for cause shall be at our sole discretion and we shall not be liable to you or any third party for any termination.

Entire Agreement

This Agreement constitutes the entire terms of use agreement between you and us, and governs your use of this site/service, superseding any prior agreements. You may also be subject to additional terms and conditions when you use other services, affiliate services, third-party content, or third-party software.

Changes to Terms and Policies

We reserve the right to modify this Agreement and the posted Privacy Policy. Any modifications will be effective from the date of posting without further notice to you. Thus, the Privacy Policy and Terms of Service posted at the time of your registration on our site/services will govern our relationship for that registration and inquiry request.