PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE. BY ACCESSING THIS WEBSITE, ANY LINK AND PAGES THEREOF, YOU AGREE TO BE BOUND BY ALL THE FOLLOWING TERMS OF USE. IF YOU DO NOT AGREE WITH THE FOLLOWING TERMS OF USE, DO NOT ACCESS THIS WEBSITE OR ANY LINKS OR PAGES THEREOF.
Use of Information and Materials
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of Smart Pay Loans’ WEBSITE and systems including but not limited to unauthorized entry into Smart Pay Loans’ systems, misuse of passwords, or misuse of any information posted on this WEBSITE is strictly prohibited. Your eligibility for particular products and services is subject to final determination by Smart Pay Loans.
No Warranty
The information and materials contained in this WEBSITE, including text, graphics, links, or other items are provided “as is”, “as available”. Smart Pay Loans does not warrant the accuracy, adequacy, or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed, or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus are given in conjunction with the information and materials.
Limits of Liability
In no event will Smart Pay Loans to be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this website or any linked website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Smart Pay Loans, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
We Do Not Have Responsibility for Links to Content Provided by Others
LINKS TO OTHER INTERNET WEBSITES PROVIDED BY THIRD PARTIES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEBSITE IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.
This WEBSITE may, from time to time, contain links to other websites such as banner advertisements or hyperlinks which we do not own or control, but which we provide for your convenience. If you visit a link to another website, you do so at your own risk subject to the conditions of use set by that website. We reserve the right to terminate a link to another website at any time. The fact that we provide a link to a website does not necessarily mean we endorse, authorize, or sponsor that website, or that we are affiliated with the website’s owners or sponsors.
You may not link to this WEBSITE without our written permission. If you wish to link to this WEBSITE, please contact us using the Contact and Notification Information at the end of this Terms of Use.
Availability
This WEBSITE is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such or country where such distribution or use would be contrary to local law or regulation. By offering this WEBSITE and information, or any products or services via this WEBSITE, no distribution or solicitation is made by Smart Pay Loans to any person to use this WEBSITE or such information, products or services in jurisdictions where the provision of this WEBSITE and such information, products and services is prohibited by law.
Additional Terms
Certain sections or pages on this WEBSITE may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.
You Authorize E-mail Response To Inquiries
We will respond to your inquiries and questions via e-mail if you provide us with an e-mail address. However, be advised that information sent by e-mail may not be completely confidential not only because of certain aspects of electronic transfer but also because others may have access to the computer or e-mail address to which the e-mail response is sent. Unless you specifically state in capital letters within your inquiry as follows: “DO NOT RESPOND TO THIS INQUIRY BY E-MAIL”, you hereby consent to respond to your inquiries and questions via e-mail in view of the risks inherent in using e-mail.
No Use of WEBSITE By Minors
No person under the age of 18 may use this WEBSITE. We do not knowingly solicit business by minors or children and request that any person under the age of 18 have their parent or responsible adult contact us. If you are under age 18 please leave this WEBSITE immediately. You agree to report all information you have about any person under 18 who uses this WEBSITE to us immediately using the Contact and Notification Information below.
Competitors May Not Use This WEBSITE
You agree that you are not a competitor of WEBSITE Sponsor in the financial services industry. Competitors and their employees, agents, and contractors may not use this WEBSITE for any purpose. Employees of competitors may use this WEBSITE for their personal use so long as the information is not disclosed to a competitor business, used for a commercial purpose, or used for any purpose of competing with WEBSITE Sponsor.
Termination of Service
We reserve the right in our sole discretion to terminate, restrict, or suspend this WEBSITE, service, access, or information for you at any time for any reason without prior notice or liability.
Governing Law
Use of this WEBSITE shall be governed by all applicable Federal laws of the United States of America and the laws of the State of California.
Legal Disputes
By utilizing this website I agree and understand that all documents, agreements, and promissory notes utilized by Smart Pay Loans are electronically stored on document server(s) physically located in Port Hueneme, California for data management purposes.
In order to utilize these documents and in particular, apply an electronic signature in compliance with the Electronic Signatures in Global and National Commerce Act of 2000, I must log onto a document server to apply my electronic signature.
Therefore, I agree that because I enter into the contract with Smart Pay Loans. in Ventura County, California, the contract is signed, for all intents in purposes, in Ventura County, California, and I further consent to the exclusive jurisdiction of the state and federal courts located in Ventura County, California, except as otherwise agreed by the parties.
Submissions
All information submitted to Smart Pay Loans via this WEBSITE shall be deemed and remain the property of Smart Pay Loans and Smart Pay Loans shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this WEBSITE provides Smart Pay Loans through this WEBSITE. Smart Pay Loans shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Smart Pay Loans entity having the direct customer relationship or as otherwise specifically agreed or required by law.
Participating lenders or lending partners may verify your social security number, driver’s license number, or other federal or state identification, as well as review your creditworthiness through national databases that may include Equifax, TransUnion, Experian, and other credit bureaus. By submitting your information to us, you agree that lenders or lending partners may obtain such credit reports and verify your information.
Contact and Notification Information
You may contact us using the following information:
Smart Pay Loans
PO Box 4336
West Hills, CA 91308-4336
customerservice@smartpayloans.com (e-mail)
1-833-805-5626 (Toll Free)