We, operating under the name Smart Path Assist ("Smart Path Assist" or the "Company"), are delighted to offer our clients the lending solution assistance they require. To ensure a harmonious experience on our website,
By accessing and using this website (referred to as the "Site"), you are automatically agreeing to the terms and conditions outlined herein. We kindly request that you take a moment to review these terms. If you do not agree with any part of these terms, we ask that you refrain from using our website. However, for those who choose to utilize our site, we hope you find it to be an informative resource.
Please note that we reserve the right to make modifications to our website as we deem necessary at any time. Your continued use of our site indicates your acceptance of any changes made.
Thank you for considering Smart Path Assist. Our lending solution professionals are here to assist you, and we hope you find this site helpful.
*Updates to These Terms of Use*
We reserve the right to modify the Terms of Use periodically. Should this occur, we will publish the updated Terms of Use on the Site and specify the date of the latest revision at the top of this page. Your continued use of the Service or the Site after any such modifications indicates your acceptance of the revised Terms of Use.
*Recording of Calls*
By engaging with Smart Path Assist, you consent to the possibility of calls being recorded by Smart Path Assist, its agents, representatives, affiliates, or any authorized parties.
Terms Applicable to All Users: Eligibility, License, and Representation
ELIGIBILITY: GENERAL
This website is intended exclusively for users who, if they are individuals, are eighteen (18) years of age or older. Unauthorized registration, use, or access by any individual under the age of 18 is strictly prohibited and violates these Terms of Use. By utilizing the Service or accessing the website, you confirm and guarantee that, if you are an individual, you are at least 18 years old, and you agree to adhere to all terms and conditions outlined in these Terms of Use. Breach of any of these Terms of Use, or any other agreement between you and us, may lead to the Company restricting your use or access to our Service or website (or any part thereof) at its sole discretion, with or without prior notice, including, but not limited to, situations where it suspects you are under 18 years of age.
HOUSEHOLD LIMITATION
Each borrower is restricted to holding only one active loan at any given time.
INACTIVE APPLICATIONS
Loan applications are canceled after 14 days of inactivity.
USER REPRESENTATION
By accessing or utilizing the Smart Path Assist Site, you acknowledge and affirm that any materials you submit, post, or share will not infringe upon the rights of third parties, including copyrights, trademarks, privacy, publicity, or other personal or proprietary rights. This includes ensuring that such materials do not contain defamatory, libelous, or otherwise unlawful content.
Furthermore, you agree not to engage in activities such as harvesting email addresses or other user contact information from the Service or the Site for the purpose of sending unsolicited communications. Additionally, you agree not to employ automated scripts to gather information from the Service or the Site for any other purpose.
Moreover, you agree not to utilize the Service or the Site in any unlawful manner or in a way that could harm, disable, overload, or impair the Site. Additionally, you agree not to use our Services or the Site for the following purposes:
upload, post, transmit, share, store or otherwise make available any content that we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable;
Unauthorized actions include registering for more than one User account, registering a User account for someone other than yourself, operating a User account for someone who isn't eligible to register or operate it in their own name, or registering a User account for any group or entity, excluding approved investment accounts for legal entities or accounts for participating in our Small Business lending program.
You are prohibited from engaging in the following actions:
Impersonating any person or entity, or providing false or misleading information about yourself, your age, or your affiliation with or authority to act on behalf of any person or entity.
Uploading, posting, transmitting, sharing, or otherwise making available any unsolicited or unauthorized advertising, solicitations, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation.
Making publicly available on the Site any private information of any third party, including addresses, phone numbers, email addresses, Social Security numbers, and credit card numbers.
Soliciting personal information from any individual under 18 years old or soliciting passwords or any personally identifying information from any User for commercial or unlawful purposes.
Uploading, posting, transmitting, sharing, or otherwise making available any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment.
Intimidating or harassing another User.
Uploading, posting, transmitting, sharing, storing, or otherwise making available content that could constitute, encourage, or provide instructions for a criminal offense, violate the rights of any party, or otherwise create liability or violate any local, state, national, or international law.
Using or attempting to use another person's account, service, or system without authorization from that person and the Company, or creating a false identity on the Service or the Site.
Uploading, posting, transmitting, sharing, storing, or otherwise making available content that, in the sole judgment of the Company, is objectionable or restricts or inhibits any person from using or enjoying the Site, or which may expose the Company or its Users to any harm or liability of any type.
RESTRICTIONS ON USE OF OUR ONLINE MATERIALS
All materials available on the Smart Path Assist Site, including text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music, are protected by copyright and are considered intellectual property. These materials are owned and controlled by Smart Path Assist. Visitors to the site may download materials for personal, non-commercial use only, provided that they:
Retain all copyright, trademark, and proprietary notices.
Make no modifications to the materials.
Do not use the materials in a manner that suggests an association with any of Smart Path Assist's products, services, events, or brands.
Do not download quantities of materials for commercial purposes.
Copying, reproducing, republishing, uploading, posting, transmitting, or distributing these materials in any way or for any other purpose without prior written permission from Smart Path Assist is strictly prohibited. Additionally, modifying any online material or attempting to bypass security features is prohibited.
Any software, files, images generated by the software, and accompanying data downloaded from the site are licensed for personal, non-commercial home use only. Smart Path Assist retains full title and intellectual property rights to the software. Redistribution, sale, reverse-engineering, disassembly, or any other modification of the material is not permitted.
By agreeing to the Terms of Use, users consent to transacting business electronically with Smart Path Assist and its associated lenders. This includes receiving disclosures electronically via the site or email. Users may request paper copies of disclosures for a fee. Consent to receive disclosures electronically applies to all transactions related to the site, and users can withdraw their consent at any time.
To access and retain disclosures electronically, users must have internet access, an email account, supported web browsing software, and hardware capable of running this software. Additionally, users must have software on their mobile devices that allows for printing and saving disclosures presented during the application process.
Users consent to receiving calls, messages, and SMS messages from Smart Path Assist and its affiliates at provided telephone numbers. Users can withdraw their consent to receive disclosures electronically by contacting Smart Path Assist. However, withdrawal of consent will prevent users from submitting loan requests on the site. Contact information for Smart Path Assist is provided on the site, and users must keep their contact information updated.
Users agree to print a copy of the Agreement for their records and acknowledge their ability to access, receive, and retain all disclosures electronically.
LIMITATION OF LIABILITY
Smart Path Assist, LLC shall not be held liable for any damages or injuries arising from or related to your use of its site. These damages or injuries may include, but are not limited to, those caused by:
Your use of or inability to use the site.
Your use of or inability to use any site linked from our site.
Failures of our site to perform as expected or desired.
Errors or omissions on our site.
Interruptions or unavailability of our site.
Defects or delays in operation or transmission of our site.
Computer viruses or line failures.
Please be aware that we are not liable for any damages, including:
Damages intended to directly compensate someone for a loss or injury.
Damages expected to result from a loss or injury (known legally as "consequential damages").Other miscellaneous damages and expenses resulting directly from a loss or injury (known legally as "incidental damages").We are not liable even in cases of negligence or if our authorized representative has been informed of the possibility of such damages, or both.
EXCEPTION
Certain state laws may restrict our ability to limit or exclude liability for "incidental" or "consequential" damages. If you reside in one of those states, the limitations mentioned above may not apply to you.
PRIVACY
Please take a moment to review the Privacy Policy of the site. By utilizing the Site or the Service, you are agreeing to the transfer and processing of your personal data in the United States.
TERMINATION OF THIS AGREEMENT
This agreement remains valid until either party terminates it. You have the option to terminate at any time by disposing of all materials obtained from the Smart Path Assist site, including related documentation and copies. Smart Path Assist reserves the right to terminate this agreement without notice if, in its sole judgment, you violate any term or condition. Upon termination, you must discard all materials. Additionally, we do not guarantee the continued availability of materials provided on our website, and we reserve the right to terminate part or all of our website without notice.
We occasionally include links to other websites, but these should not be construed as endorsements. Smart Path Assist is not responsible for the content or practices of third-party sites linked to ours. Users are responsible for complying with local laws if accessing our site from outside the United States. These Terms of Use are governed by the laws of California, and any disputes will be resolved through mediation and, if necessary, binding arbitration.
You agree to indemnify Smart Path Assist and its affiliates from any losses, liabilities, claims, demands, damages, costs, and expenses arising from your use of the site or service, your conduct, or any violations of these Terms of Use or the rights of third parties.
If a dispute arises, we will attempt mediation in Orange County, CA, and if unsuccessful, binding arbitration in the same location. Smart Path Assist may update these Terms of Use at any time without notice. This agreement constitutes the entire understanding between the parties.
The failure to enforce any provision of these Terms of Use does not waive that right, and any invalid provision will be severed without affecting the validity of the remaining terms.
