Terms of Use
Effective Date: June 3, 2025
Welcome to Your Smart Credit. These Terms of Use (“Terms”) govern your access to and use of our website, services, tools, and features (collectively, the “Service”). By using our Service, you agree to these Terms. If you do not agree, please do not use our Service.
1. Acceptance of Terms
By accessing or using the Your Smart Credit website, you acknowledge that you have read, understood, and agreed to be bound by these Terms, as well as our Privacy Policy.
2. Eligibility
You must be at least 18 years old to use this Service. By using the Service, you represent and warrant that you meet this requirement and that you have the legal capacity to enter into this agreement.
3. Account Registration
Certain features of the Service may require registration. You agree to provide accurate, complete, and updated information. You are responsible for maintaining the confidentiality of your login credentials and for any activity under your account.
4. Permitted Use
The Service is intended for personal, non-commercial use. You may not use the Service for any unlawful or prohibited purpose, including but not limited to:
- Accessing data not intended for you
- Interfering with service functionality
- Attempting to gain unauthorized access to other systems
- Engaging in fraudulent activities
5. Intellectual Property
All content and materials on the Service, including but not limited to text, graphics, logos, icons, and software, are the property of Your Smart Credit or its content suppliers and are protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our express written permission.
6. Disclaimer of Warranties
The Service is provided on an “as-is” and “as available” basis. Your Smart Credit makes no warranties, expressed or implied, and disclaims all warranties including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not guarantee the accuracy, completeness, or reliability of any information provided.
7. Limitation of Liability
Your Smart Credit shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use or inability to use the Service, including but not limited to reliance on any information obtained through the Service or errors, omissions, interruptions, or delays.
8. Third-Party Links
The Service may contain links to third-party websites or services. These links are provided for your convenience, and Your Smart Credit is not responsible for the content, privacy policies, or practices of third-party sites.
9. Modifications to the Terms
Your Smart Credit reserves the right to modify these Terms at any time. Any changes will be effective upon posting. Your continued use of the Service after changes are posted constitutes your acceptance of the new Terms.
10. Termination
We may suspend or terminate your access to the Service at any time, without notice or liability, for any reason including if you violate these Terms.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of [Insert Your Jurisdiction], without regard to its conflict of law principles.
12. Contact Us
If you have any questions about these Terms, please contact us at: contact@yoursmartcredit.com