📜 TERMS OF USE – SMART FINANCIAL KIT (VERSIÓN PRO)

Effective Date: April 2, 2026

Welcome to smartfinancialkit.com (the “Website”), operated by Smart Financial Kit (“Company,” “we,” “us,” or “our”).

By accessing or using this Website, you agree to be bound by these Terms of Use (“Terms”). If you do not agree, do not use this Website.

1. Nature of the Website

This Website is a lead generation and educational platform that:

  • Provides access to the Smart Financial Kit (educational content)
  • Connects users with licensed insurance agents and/or financial professionals

We are not a lender, insurance company, or financial advisor.

2. Eligibility

You must:

  • Be at least 18 years old
  • Reside in the United States
  • Provide accurate and truthful information

3. User Submissions & Lead Requests

By submitting your information through this Website:

  • You are making an express request to be contacted
  • You authorize us to share your information with:
    • Licensed insurance agents
    • Financial professionals
    • Marketing and service partners

You understand that:

  • You may receive calls, text messages, and emails
  • Contact may include automated dialing systems
  • Consent is not required to purchase any product or service

4. No Professional Advice

All content provided:

  • Is for educational and informational purposes only
  • Does not constitute legal, financial, or investment advice
  • Should not be relied upon as a substitute for professional consultation

5. No Guarantees or Outcomes

We do not guarantee:

  • Financial results
  • Approval for any financial product
  • Accuracy or completeness of information

Any examples shown are illustrative only.

6. Third-Party Services

We may connect you with third-party professionals.

We:

  • Do not control their services
  • Do not guarantee their performance
  • Are not responsible for their advice or actions

Any agreement you enter into is strictly between you and that third party.

7. Intellectual Property

All Website content, including:

  • Text
  • Branding
  • Design
  • Digital materials

Is owned by Smart Financial Kit and may not be copied, reproduced, or distributed without written permission.

8. Prohibited Use

You agree not to:

  • Submit false or misleading information
  • Use the Website for unlawful purposes
  • Attempt to hack, disrupt, or reverse engineer the Website
  • Use automated systems (bots, scrapers) without permission

9. Disclaimer of Warranties

This Website is provided “as is” and “as available.”

We make no warranties regarding:

  • Availability
  • Accuracy
  • Reliability

10. Limitation of Liability

To the fullest extent permitted by law, we are not liable for:

  • Any financial decisions made by you
  • Any damages arising from use of this Website
  • Any interactions with third-party providers

Your use of this Website is at your own risk.

11. Indemnification

You agree to defend and hold harmless Smart Financial Kit from any claims, damages, or liabilities arising from:

  • Your use of the Website
  • Your violation of these Terms
  • Your submission of inaccurate information

12. Modifications

We may update these Terms at any time.
Continued use of the Website constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of the United States and applicable state laws.

14. Contact

For questions regarding these Terms:
support@smartfinancialkit.com