Welcome to Smart Digital Loans. Please read this disclaimer carefully before using our website ([Your Website URL]) or proceeding with any loan application. By accessing our site and services, you acknowledge that you have read, understood, and agree to be bound by the terms outlined below.
1. Not a Direct Lender
Smart Digital Loans operates as a loan connector service and not as a direct lender. We are a technology platform that connects prospective borrowers with a network of licensed lenders and financial institutions. We do not make credit decisions or fund loans directly. The terms, conditions, interest rates, and fees of any loan are set solely by the lender providing the funds.
2. No Guarantee of Loan Offers
Submitting a loan request through our website does not guarantee that you will be matched with a lender or that you will receive a loan offer. Loan approvals are subject to the individual eligibility criteria of the lenders in our network, which may include factors such as your credit history, income, and state of residence. Some lenders may perform credit checks to determine your creditworthiness.
3. Responsibility for Loan Terms
You are solely responsible for understanding and agreeing to the terms of any loan offer presented to you by a third-party lender. This includes, but is not limited to, the Annual Percentage Rate (APR), finance charges, repayment schedule, late payment fees, and non-payment penalties. We strongly advise you to read all loan agreements and documentation thoroughly before accepting any offer.
4. Financial Advice Disclaimer
The information provided on the Smart Digital Loans website is for general informational and educational purposes only. It is not intended as financial, legal, or professional advice. You should consult with qualified financial advisors or legal professionals before making any financial decisions or entering into any loan agreement.
5. Accuracy of Information
While we strive to keep the information on our website accurate and up-to-date, we do not warrant the completeness, reliability, or absolute accuracy of all content. Loan amounts, terms, and eligibility requirements are subject to change without notice. The final and binding terms will always be those in the agreement provided by the lender.
6. Third-Party Links
Our website may contain links to third-party websites for your convenience. Smart Digital Loans has no control over the content, privacy policies, or practices of these external sites. The inclusion of any link does not imply our endorsement. You access these links at your own risk.
7. Service Eligibility
Our services are not available in all states. The availability of loans through our network is subject to state and federal regulations. It is your responsibility to ensure that applying for a loan through our service complies with the laws of your state.
8. Limitation of Liability
To the fullest extent permitted by law, Smart Digital Loans, its employees, and affiliates shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website, your interaction with any lender in our network, or your inability to use our services. This includes, but is not limited to, damages resulting from loan denials, lender practices, or errors or omissions in our website content.
9. Contact Information
If you have any questions or concerns regarding this disclaimer, please contact us at:
- Email: support@smartdigitalloans.com
- Phone: 1-800-SDL-INFO (1-800-735-4636)
By using the Smart Digital Loans website, you signify your acceptance of this disclaimer. If you do not agree to these terms, please do not use our website or services.