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Terms of Use

1. Acceptance

By accessing or using SmartFinanceHub, you agree to these Terms of Use.

2. Our Service

SmartFinanceHub operates solely as an online lead generation platform that connects consumers with independent third-party lenders and financing providers. We are not a lender, loan broker, or financial institution.

3. No Lending Decisions

We do not:

  • Approve or deny loan applications.
  • Determine loan eligibility.
  • Set interest rates or repayment terms.
  • Fund loans.

All lending decisions are made exclusively by participating lenders.

4. User Responsibilities

You agree that:

  • All information you submit is accurate and truthful.
  • You are at least 18 years old.
  • You are legally permitted to enter into financial agreements.
  • You will not misuse the website or submit fraudulent information.

5. Third-Party Services

After being redirected from SmartFinanceHub, your interactions are with independent third-party providers. We are not responsible for their products, services, lending decisions, websites, or privacy practices.

6. Disclaimer of Warranties

Our website and services are provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We do not guarantee loan approval, funding, rates, or availability.

7. Limitation of Liability

To the fullest extent permitted by law, SmartFinanceHub shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the website or any third-party lender’s services.

8. Intellectual Property

All content, logos, graphics, text, and website materials are owned by SmartFinanceHub unless otherwise stated and may not be copied or reproduced without permission.

9. Governing Law

These Terms shall be governed by the applicable laws of the United States and, where applicable, the laws of the state in which legal proceedings are brought, unless otherwise required by law.

10. Contact

Questions regarding these Terms of Use may be submitted through the contact information available on our website.