Terms of Service

1. Educational content only

All content on the Site is provided for general informational and educational purposes. It is not financial, investment, legal, tax or credit advice, and it does not consider your personal circumstances. Consult a qualified professional before making financial decisions.

2. We are not a lender

SmartPath Finance does not make loans, arrange credit, or act as a broker, lender, or credit services organization. We do not make credit decisions. Any loan, account or product you obtain from a third party is solely between you and that provider.

3. No affiliation with previous domain users

The Site is not affiliated with, endorsed by, or a successor to any business that previously used this domain name or any company with a similar name.

4. Third-party links, advertising and affiliates

The Site contains links to third-party websites, advertising and affiliate links. We don't control third-party sites and aren't responsible for their content, products, terms or privacy practices. We may receive compensation when you click certain links.

5. Tools and calculators

Our calculators and spreadsheets provide estimates based on the information you enter and simplified assumptions. Results are illustrations only and may not reflect actual offers, rates or outcomes.

6. Acceptable use

You agree not to misuse the Site, including by attempting to disrupt it, access it without authorization, scrape it in a way that burdens our systems, or submit unlawful, abusive or misleading content through our forms.

7. Intellectual property

The Site's content, design and branding are protected by law. You may view and print pages for personal, non-commercial use. Any other use requires our written permission.

8. Disclaimer of warranties

The Site is provided "as is" and "as available." We strive for accuracy but do not warrant that content is complete, current or error-free, or that the Site will be uninterrupted.

9. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special or consequential damages, or for any loss arising from your use of the Site or reliance on its content.

10. Changes

We may update these Terms. Continued use of the Site after changes means you accept the updated Terms.

11. Governing law

These Terms are governed by the laws of the United States and applicable state laws, without regard to conflict-of-law rules.

12. Contact

Questions about these Terms? Use our contact page. See also our Privacy Policy.