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Last Update: January 5, 2021 Please read the following terms of use (these “terms”), which constitute an agreement between Smart Refinance (the “company” or “us” or “we”) and you, covering your use of the company’s services. By completing the form to which these terms are linked and/or sending us your details, you hereby agree to these terms, which govern any use by you of the company’s services and/or the company’s platform at: www.smart-refinance.Com (the “platform”) and/or any transactions that you may engage in through the company’s services and/or the platform with any third party. You acknowledge that you have read, understand, and agree with these terms. If you do not wish to be bound by these terms or if you don’t agree with any of the terms in these terms, please do not access or use the platform, do not complete the form and do not send us your details. 1. General The company operates the platform in order to provide services to its business partners and to consumers. The consumers are using the company’s service to receive commercial offers from the company’s business partners in various types of industries. The company’s business partners use the platform to purchase consenting leads in order to approach them with commercial offers. Once you have provided us with the information needed in order to complete the registration to the company’s service (by filling in the online form to which these terms are linked), the company will attempt to match your request with the appropriate business partner. The company may, at its sole and absolute discretion, change or terminate its services or any part thereof and/or restrict you from participating in its services for any reason whatsoever without any liability. 2. Intellectual property rights The platform, the company’s service and any content or information included in them, including without limitations, the online form to which these terms are linked, and any domains, source code and object code, trademarks, logos, images, text, video, data and/or other content (“Content”) are and shall remain the exclusive property of the company are protected by copyrights or other proprietary rights worldwide. 3. Disclaimers The company does not provide any products or services other than the services described in these terms. In addition, the company does not endorse any product or service (or any business partner) that has contacted you with a commercial offer after purchasing your information. The company does no guarantee that following your joining to the company’s service, any commercial offers will be provided to you and is not responsible in any way to the conduct, quality of services or products or any other features or characteristics of the business partners’ activity. The company does not guarantee that the platform and its services will be uninterrupted or error-free or that they will be available at any time. In addition, the company does not make any warranty as to the accuracy, completeness or reliability of any information included in the platform and the services (including in the online form to which these terms are linked). The company’s service and the platform are being provided on an “As is” and on an “as available” basis. The company makes no representations or warranties of any kind, express or implied, as to the operation of the platform and the service, as to any content on the platform and the service and as to any products and services offered by any business partner or any other third party. To the fullest extent permissible under applicable law, the company expressly disclaims all warranties, express or implied, of any kind, including without limitations any warranties of merchantability, accuracy of information, quality, title, fitness for a particular purpose, and non-infringement. Some jurisdictions limit or do not allow the disclaimer of implied or other warranties so the above disclaimer may not apply to the extent such jurisdiction’s law applies to these terms. 4. Limitation of liability The company shall not be liable for any damage, loss or expense of any kind arising out of or resulting from your use or inability to use the platform or the service or any products or services offered to you by any business partner or any other third party. In no event shall the company be liable to you for any direct, indirect, special, incidental, consequential or punitive damages (including, without limitation, loss of profits, loss or corruption of data, computer failure or interruption of business), arising out of or in connection with the above, regardless of whether the company has been advised of the possibility of such damages. Because some states do not allow the limitation of liability for consequential or incidental damages, the above limitation may not apply to you. Any claim must be commenced within one year after the claim or cause of action arises. 5. Indemnification You shall defend the company, its affiliates and their shareholders, employees, officers, and directors (together, the “indemnified parties”) from and against third party claims, actions, and demands arising from or related to your use of the company’s service and/or the platform or any breach of law or regulation by you and you shall indemnify and hold the indemnified parties harmless against any damages, reasonable attorneys’ fees, and costs awarded against the indemnified parties as a result of, or for any amounts paid by the indemnified parties under any settlement of any claims against the company. 6. Privacy policy You may access our privacy policy here. Our privacy policy governs the way we collect, process, use and share you personal information, and describe your rights under applicable law. 7. Term and termination The term of your engagement with the company shall commence upon using the company’s service, including completing any forms or providing us with any information about you and shall continue without limitations until terminated by the company in its sole and absolute discretion. 8. Miscellaneous These terms is governed by and shall be construed in accordance with the laws of united state if you access this service from outside the united states, you will be responsible for compliance with all local laws. You agree to comply with all laws and regulations applicable to your use of this service. Any dispute arising from or related to these terms shall be resolve by the competent courts in united state. The company’s service is limited to natural persons residing in the united states and are at least 18 years of age. These terms constitute the entire and exclusive agreement between us with respect to use of the company’s services and/or the platform. If for any reason a court of competent jurisdiction finds any provision of these terms to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these terms, and the remainder of these terms shall continue in full force and effect. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. We may revise these terms at any time and you agree to be bound by the revised terms. Any such modifications will become effective upon the date they are first posted on the service and/or the platform. You agree to be bound by any affirmation, assent, or agreement you transmit through this services, including but not limited to any consent you give to receive communications from the company and/or any third party, solely through electronic transmission.
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Updated: January 20, 2021 Smart Refinance takes your privacy and your rights to control your Personal Information very seriously. This Privacy Policy will let you know what Personal Information Smart Refinance collects and processes, how we use the Personal Information collected, and your rights in relation to controlling and protecting your Personal Information. Smart Refinance may update this Privacy Policy from time to time in accordance with its business needs or as a result of a regulatory change and we encourage you to check back this Privacy Policy occasionally in order to make sure you are aware of any changes. Your continued use of Smart Refinance’s services, including without limitations, engaging with our partners, completing any forms, or otherwise communicating with Smart Refinance or any of our partners introduced to you by Smart Refinance shall constitute your agreement with any such changes. This Privacy Policy is adopted by Smart Refinance among others to comply with the California Consumer Privacy Act of 2018 (the “CCPA”) and other California privacy laws. General Smart Refinance provides its partners, who are merchants in various industries (the “Partners”) with an online platform to access high quality leads in order to approach such leads with commercial offers concerning the Partners’ products and services. Smart Refinance invites potential leads to join the platform by completing digital forms made available to them among others through Smart Refinance’s landing pages or other media assets. Smart Refinance benefits both Partners and leads by helping Partners focus their marketing efforts on quality and fully consenting leads while making attractive commercial offers available to the leads who joined the platform, in full compliance with the applicable regulation. For any privacy or data protection related issues, please email Smart Refinance at privacy@smart-refinance.com The Information We Collect You may give us your Personal Information directly when you complete forms made available to you among others through our landing pages or when you register to our website, if applicable, rate or review our services, or otherwise communicate with us. The Personal Information you provide us may include: private and family name; address and contact details (such as your email address and phone number); your position/job details & title; your gender; your age/birth date; your education; financial information (such as salary, income, ownership of assets, loans, etc.); and other information if relevant for the purpose for which the Personal Information is collected, such as interests, hobbies, views, etc. Smart Refinance also collects information automatically. Information that we collect automatically may include log information (personal identifiers, mobile advertising IDs, details about your use of our services, such as IP addresses, web pages visited, and actions performed on websites, geolocation data, etc.) and calls and correspondence between us. Cookies We use cookies and other similar technologies to collect and store information about your activity while using our services among others in order to improve and personalize our services. A cookie is a small text file that we store on your browser or the hard drive of your device. For example, cookies can be used to collect information about your use of the services during your session time, your operating system and browser, your IP address, websites you visited before our website, etc. You may choose to set your browser to refuse cookies altogether or on a case by case basis or to delete cookies, however certain features of our services may not operate correctly if you do so. How do we use your information? Please note that as part of providing our services, your Personal Information will be shared with Partners which decided to purchase leads on our platform with the same characteristics as the characteristics of your Personal Information (e.g. age, gender, location, interests, etc.). We will not share such Personal Information before having the relevant Partner executing a binding agreement containing obligations on the part of the Partner to protect your privacy and to use your Personal Information in compliance with applicable laws and regulations. We may also use Personal Information we collect about you in the following ways: to provide you with services and offers regarding services (i.e. connecting you with commercial offers from our partners, as well as to improve our services and offer you, safeguard, provide and improve our services); to contact you regarding our services (including without limitations concerning changes to our services, information about promotions, and existing and new features of our services), by sending you emails or text messages. We may also deliver to you marketing communications concerning the products and services of our partners, all subject to applicable law. If you do not want to receive marketing communications from us please email Smart Refinance at privacy@smart-refinance.com We may use and share Personal Information for legal purposes, including sharing information with regulatory authorities, or disclosing information to third parties if required by law or if we reasonably believe that the use or disclosure of the information is necessary to protect our or our Partners or other persons’ rights. Smart Refinance may also use and share information (especially non-personal information) to analyze our services and the use of services by Partners and by potential leads. Smart Refinance may also use and share your Personal Information with its services providers, other business partners, contractors, etc. for the purpose of providing our services and ancillary purposes (e.g. hosting, maintenance and support, marketing, backup, etc.). Smart Refinance may also use and share your Personal Information with its group companies from time to time, subject to appropriate arrangements to protect your privacy such as confidentiality agreements and data processing agreements (which agreements will be used with any third party to whom we will provide access to your Personal Information). In the event that Smart Refinance consummates a merger or an acquisition by another company or otherwise undergoes a change of control, Smart Refinance may disclose or transfer all of your Personal Information to the successor company. Disclosure or Sale of Personal Information and your Right to Opt-Out Smart Refinance sells Personal Information collected for our database to our Partners in order to provide our services to such Partners and to the leads joining our database. This information is sold to the Partners for the purpose of the Partners contacting the owners of the Personal Information with commercial offers regarding the Partners’ products and services. You have the right to opt-out of the sale of your Personal Information by submitting a request to remove or delete your Personal Information. Smart Refinance does not sell the Personal Information of minors under 16 years of age. If you want to opt-out from the sale of your Personal Information, please email Smart Refinance at privacy@smart-refinance.com or you may also contact us by calling +1 (332) 207-7318 Consumers Rights and Choices The CCPA provides consumers (California residents) with specific rights regarding their Personal Information: Access to Specific Information and Data Portability Rights A consumer has the right to request that Smart Refinance discloses certain information to that consumer about collection and use of that consumer’s Personal Information over the past 12 months: categories of Personal Information collected; categories of sources for the collected Personal Information; Smart Refinance business or commercial purposes for collecting or selling Personal Information; and categories of third parties with whom Smart Refinance shares Personal information. Deletion Requests, Access and Portability Rights A consumer has the right to request that Smart Refinance deletes any of the Personal Information collected about such consumer, subject to certain exceptions under applicable law. A consumer may also contact Smart Refinance to inquire what Personal Information is retained and processed about the consumer or to request that such Personal Information or any part of it will be transferred to a third party or to such consumer – all subject to the exemption available under applicable law. To submit a request to action any rights described above, please email Smart Refinance at privacy@smart-refinance.com. How We Protect Your Information Smart Refinance has made reasonable technical and organizational measures designed to secure your Personal Information from accidental loss and from unauthorized access. While we take reasonable precautions against possible security breaches of our services, no website or Internet transmission is completely secure, and Smart Refinance cannot guarantee that unauthorized access, hacking, data loss, or other breaches will never occur. Changes to this Privacy Statement Changes to this Statement will appear on this page. Any changes to our Privacy Policy will be posted on our website(s) in order to keep you informed and where appropriate, we shall notify you via email.