Welcome to Smart Investment Method (“we,” “our,” “us”). These Terms and Conditions (“Terms”) govern your use of our website and financial services (collectively, the “Service”). By accessing or using our website, you agree to comply with and be bound by these Terms. If you do not agree, please do not use our Service.
1. Use of the Service
Our website provides information and application options for various financial services, including loans, insurance, wealth management, credit cards, consulting, and investment-related assistance. You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not use the website in any way that may damage, disable, or impair our systems or interfere with another user’s experience.
2. Financial Services, Applications and Payments
- All financial service requests and consultations are subject to verification and approval.
- Service fees, processing charges, or consultation costs (if applicable) will be displayed or communicated during the service request process.
- Payment terms and methods will be clearly provided before any paid financial service is finalized.
- We reserve the right to cancel, delay, or reschedule consultations or service processes due to operational or regulatory requirements.
3. Cancellations and Refunds
If you wish to cancel a paid service or consultation, please notify us at least 24 hours before the scheduled time. Refunds (if applicable) will be processed according to our refund policy. Late cancellations or no-shows may incur charges.
4. User Responsibilities
- You agree to provide accurate, complete, and truthful information when applying for a financial service.
- You must ensure all identity, income, or financial documents provided are valid and legally obtained.
- You are responsible for safeguarding your login credentials and personal financial information.
5. Service Quality and Liability
We strive to provide high-quality financial guidance and services; however, we do not guarantee loan approvals, investment results, insurance claim outcomes, or financial gains. All financial decisions are made at your discretion. Our liability is limited to the amount paid by you for the specific service. We are not responsible for indirect, incidental, or consequential damages arising from service use or delays.
6. Third-Party Financial Institutions
We may work with banks, insurance companies, NBFCs, credit bureaus, or investment providers. We are not liable for any actions, approvals, delays, or decisions made by third-party institutions. Their individual terms and conditions will apply where relevant.
7. Intellectual Property
All website content, including text, images, logos, tools, calculators, and design elements, is owned by or licensed to Smart Investment Method. You may not reproduce, distribute, or modify any content without prior written permission.
8. Privacy Policy
Your privacy is important to us. Please review our Privacy Policy to learn how we collect, use, and protect your personal and financial information.
9. Limitation of Liability
We will not be liable for any financial loss, service interruption, data loss, application rejection, investment loss, or unauthorized access caused by your use of our website or services. This includes damages due to technical issues, delays, or third-party involvement.
10. Modifications
We reserve the right to modify these Terms at any time without prior notice. Any updated version will be posted on this page with the revised date. Continued use of the website after changes indicates your acceptance of the updated Terms.
11. Governing Law
These Terms are governed by and interpreted according to the laws of the United States. Any disputes arising under these Terms will fall under the exclusive jurisdiction of courts in the United States.
12. Contact Us
If you have any questions about these Terms, please contact us at:
Email: support@smartinvestmentmethod.com
