Terms of Use

Effective Date: September 2026

Welcome to Smartpaydaycash ("we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of our website, online request forms, and related referral or matching services.

By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website or submit a request through our services.

1. Our Service

Smartpaydaycash is an online advertising, referral, and matching platform. We are not a lender and do not make loans or credit decisions.

Our service may allow you to submit information that can be used to identify potential offers or connect you with participating third-party lenders, lending networks, or other financial service providers.

We do not:

• Fund or issue loans
• Approve or deny loan applications
• Determine interest rates or APRs
• Establish lender fees or repayment terms
• Guarantee that you will receive a loan offer
• Guarantee that you will be matched with a particular lender
• Control the terms of any agreement between you and a third-party provider

If you are connected with a lender or receive an offer, that lender is responsible for independently evaluating your information and providing its own terms and disclosures.

2. Submitting a Request

When you submit information through our website, you authorize us to process your request and, where applicable, transmit your information to participating lenders, lending networks, or service providers that may evaluate your request.

Submitting a request does not guarantee:

• Approval
• A loan offer
• A particular loan amount
• A specific APR or interest rate
• Any particular repayment period
• Any specific fees or terms

Any offer you receive is subject to the requirements and approval process of the individual provider.

3. Credit Checks and Verification

Participating lenders or other providers may verify information you submit and may obtain information from consumer reporting agencies or other data sources.

Depending on the provider and the nature of the request, a credit inquiry may be performed.

Credit Inquiries

A participating lender may obtain information from consumer reporting agencies such as Experian, Equifax, or TransUnion, or may use alternative data sources when evaluating your request.

Some providers may use a soft inquiry, while others may conduct a hard inquiry. A hard inquiry may affect your credit score.

By submitting a request through our website, you acknowledge that participating providers may conduct applicable verification or credit-related checks as part of their evaluation process, subject to applicable law and their own disclosures.

4. User Eligibility

To use our services, you represent that:

• You are at least 18 years old or meet the applicable age of majority requirement in your state.
• You are legally permitted to use the services in your state.
• The information you provide is accurate, complete, and current.
• You are submitting information for yourself and are authorized to provide the information submitted.
• You will not use the website for unlawful or fraudulent purposes.

Eligibility requirements may vary depending on the participating provider and applicable state law.

5. Accuracy of Information

You are responsible for ensuring that information submitted through our website is truthful, accurate, complete, and up to date.

You should not provide information that is false, misleading, outdated, or belongs to another person without authorization.

Providing inaccurate or fraudulent information may result in your request being rejected, your access to our services being restricted, or other consequences permitted by law.

6. Third-Party Lenders and Services

Our website may connect you with independent third-party lenders, lending networks, advertisers, or other service providers.

These third parties operate independently from Smartpaydaycash and may have their own terms, privacy policies, eligibility requirements, and application procedures.

If you choose to enter into an agreement with a third party, that agreement is between you and the third party.

We are not responsible for:

• The actions or decisions of third-party lenders
• Whether a third party approves or declines your request
• The accuracy of a third party's offer
• Interest rates, APRs, fees, or repayment terms established by a third party
• The performance of a third-party financial product or service

7. Fees and Loan Terms

We do not determine the rates, fees, loan amounts, repayment periods, or other terms offered by third-party lenders.

If you receive an offer, carefully review the lender's agreement before accepting it.

The total cost of borrowing may include interest, fees, or other charges depending on the lender, your state, and the terms of the agreement.

8. Website Use

You agree to use our website only for lawful purposes.

You may not:

• Attempt to gain unauthorized access to our systems
• Interfere with the operation or security of the website
• Use automated systems to collect information without authorization
• Submit fraudulent or misleading information
• Impersonate another person or entity
• Use the website in violation of applicable laws or regulations
• Attempt to introduce malicious software or harmful code
• Use our services for unauthorized commercial purposes

We may restrict or terminate access to our website if we reasonably believe these Terms have been violated.

9. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis to the extent permitted by applicable law.

We do not warrant or guarantee that:

• The website will always be available or uninterrupted
• The website will be error-free
• Information displayed on the website will always be complete or current
• You will receive a lender match
• You will receive a loan offer
• You will be approved for a loan
• Any particular financial terms will be available to you

Third-party providers are responsible for their own products, services, decisions, and agreements.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Smartpaydaycash, its owners, operators, affiliates, service providers, and representatives will not be responsible for indirect, incidental, special, consequential, or other damages arising from or related to your use of our website or services.

This includes, where permitted by law, losses resulting from third-party lender decisions, loan agreements, financial products, website interruptions, unauthorized access, or reliance on information provided through the website.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

11. Arbitration and Dispute Resolution

To the extent permitted by applicable law, disputes arising from or relating to your use of the website or these Terms may be subject to individual binding arbitration rather than litigation in court.

Any arbitration provision, waiver of jury trial, or limitation on class or representative proceedings will apply only to the extent legally enforceable in the applicable jurisdiction.

12. Intellectual Property

Unless otherwise stated, the content and materials available on our website, including text, graphics, logos, designs, software, and other materials, are owned by or licensed to Smartpaydaycash and may be protected by applicable intellectual-property laws.

You may access the website for personal and lawful purposes, but you may not reproduce, modify, distribute, sell, or exploit website content without appropriate authorization.

13. Privacy

Your use of our website is also subject to our Privacy Policy, which explains how information submitted through the website may be collected, used, stored, and shared.

Please review our Privacy Policy before submitting personal or financial information.

15. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue to apply to the extent permitted by applicable law.

16. Contact Us

If you have questions about these Terms of Use or our website, please contact us using the information below:

Smartpaydaycash