Terms & Conditions

Terms & Conditions

Effective Date: May 2025
1. Introduction

Welcome to Smart RateLP. These Terms & Conditions ("Terms") govern your use of our website,

smartratelp.com

("Website"), and the services provided by Smart RateLP. By accessing or using our Website, you agree to comply with these Terms. If you do not agree, please discontinue use of our Website.

2. Eligibility

Our services are exclusively for home owners eligible for mortgage across all states in the United States. By using our Website, you confirm that you meet this eligibility requirement.

3. Use of the Website

Smart RateLP is not a lender and does not directly provide . Smart RateLP as a connection platform between users and licensed top officers in America.

Smart RateLP focuses on helping users lower their interest rates on refinanced and maximize the benefits available to them.

Any attempt to use this Website for fraudulent purposes, including but not limited to false inquiries or unauthorized data collection, is strictly prohibited.

Smart RateLP reserves the right to restrict access to any user violating these Terms.

4. Submission of Information

By submitting your contact information through our Website, you acknowledge that Smart RateLP may contact you via phone, SMS, or email regarding -related services.

You may opt out of communications at any time by following the instructions in our messages. Smart RateLP will process opt-out requests within a reasonable timeframe in compliance with applicable regulations.

Smart RateLP connects clients exclusively with licensed top officers in America to ensure the best refinancing and options available.

5. No Financial or Legal Advice

Smart RateLP provides general information regarding mortgage and refinancing but does not offer financial, tax, or legal advice. Any options discussed are subject to approval by a licensed officer.

6. Third-Party Services

Our website may connect you with licensed top officers in America specializing in mortgage who will handle your approvals. We do not control or guarantee approvals. Smart RateLP is not responsible for the actions, policies, or decisions of any third-party providers.

7. Limitation of Liability

Smart RateLP is not liable for any financial decisions made based on information from our website. Smart RateLP does not guarantee approval for any or refinancing request. Smart RateLP is not responsible for technical issues that may affect website availability.

8. Modifications to Terms

Smart RateLP reserves the right to update these Terms at any time. We will notify users of significant changes by posting an updated version on our Website. Smart RateLP reserves the right to modify or discontinue any part of its services at its discretion, without prior notice, where legally permissible.

9. Governing Law

These Terms are governed by the laws of the United States and the state in which the client resides. Any disputes arising from these Terms shall be resolved in accordance with applicable state and federal laws.

10. Contact Information

For questions regarding these Terms, you may contact us at:

Smart RateLP

Email:

[email protected]

Phone: (623)-280-8351

Do Not Call Registry Compliance

Smart RateLP respects consumer rights under the National Do Not Call Registry and adheres to all Telephone Consumer Protection Act (TCPA) regulations. We do not make unsolicited calls or send text messages to individuals who have registered their phone number on the Do Not Call list, unless they have provided prior express consent or have an existing business relationship with Smart RateLP.

Opt-Out Option:

If you receive a call or message from Smart RateLP and wish to opt out of future communications, you may do so by replying "STOP" to any SMS message or by contacting us at:

Smart RateLP

Email:

[email protected]

Phone: (623)-280-8351

Electronic Communications Disclosure

By submitting your information through our website or other communication channels, you agree to receive communications from Smart RateLP via email, SMS, and phone calls regarding home assistance.

These communications may include transactional updates, promotional offers, or important service-related information.

You can opt out of receiving promotional communications at any time by following the instructions provided in each message or by contacting us directly. Opting out of promotional messages does not affect service-related communications necessary for active transactions.

Licensing & NMLS Disclaimer

Smart RateLP is not a direct lender and does not issue or make credit decisions. We connect users with licensed officers and mortgage lenders who are authorized to originate under state and federal regulations. All mortgage transactions are handled by licensed professionals in compliance with the Nationwide Multistate Licensing System & Registry (NMLS).

For specific licensing information, please contact the officer assigned to your case or visit the

NMLS Consumer Access website at:

https://www.nmlsconsumeraccess.org/

Website Terms of Use & Financial Disclaimer

The information provided on the Smart RateLP website is for informational purposes only and should not be considered financial, legal, or tax advice. Smart RateLP does not guarantee approval, rates, or terms, as all decisions are made by licensed lenders based on individual eligibility.

Visitors are encouraged to consult with a qualified officer or financial professional before making any mortgage-related decisions. Smart RateLP is not responsible for any actions taken based on the content of this website.

SMS & Call Recording Disclosure

For quality assurance and compliance purposes, Smart RateLP may record phone calls and store SMS messages. By communicating with Smart RateLP, you consent to such recordings and storage where permitted by law. These recordings are used strictly for training, quality control, and compliance monitoring.

Opt-In Consent for Communications

Effective Date:

February 2025

By providing your contact information to Smart RateLP, you consent to receiving communications via phone calls, SMS messages, and emails regarding home and refinancing services. These communications may be sent using automated dialing systems, prerecorded messages, or other technologies.

1. Consent to Contact

You expressly agree that Smart RateLP may contact you at the phone number and email address provided to discuss home options, refinancing opportunities, and related services. Communications may include marketing messages, follow-ups regarding your inquiries, and updates on available programs. Message and data rates may apply. Check with your service provider for details.

2. Opt-Out Option

You may opt out of receiving SMS messages at any time by replying "STOP" to any message received. To unsubscribe from emails, follow the "unsubscribe" link provided in any email communication. If you wish to revoke consent for all communications, you can contact Smart RateLP directly at

[email protected]

or (623)-280-8351.

3. No Purchase Obligation

Providing consent is not required to receive assistance from Smart RateLP. Our services are dedicated to helping individuals access benefits and explore options without any obligation to receive automated communications.

4. Consent Duration

Your consent remains valid until you opt out or request removal from our contact list. If your contact information changes, it is your responsibility to update it with Smart RateLP to ensure continued communication.

Cookie Policy

Effective Date:

February 2025

At Smart RateLP, we are committed to transparency regarding how we collect and use data. This Cookie Policy explains what cookies are, how we may use them on our website, and your choices regarding their use.

1. What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help improve your browsing experience by remembering preferences, enabling website functionality, and analyzing site traffic. Cookies can be session-based (deleted when you close your browser) or persistent (remain on your device until deleted).

2. How Smart RateLP Uses Cookies

At this time, Smart RateLP does not actively use cookies. However, this policy is in place to ensure compliance if we decide to implement cookies in the future. Should cookies be introduced, they may serve the following purposes:

Essential Cookies: Necessary for the website to function properly, such as enabling navigation and security features.Analytics Cookies: These help us understand how visitors interact with our site, allowing us to improve the user experience.Marketing Cookies: If applicable, these cookies enable us to provide relevant advertisements based on your browsing activities.

3. Third-Party Cookies

If Smart RateLP integrates third-party services in the future, such as Google Analytics or marketing tools, these services may use their own cookies to collect data about site usage. These third-party cookies would be governed by their respective privacy policies, and we will update this policy accordingly.

4. Managing Your Cookie Preferences

If cookies are implemented in the future, you will be able to control and manage them in several ways:

Adjust your browser settings to block or delete cookies.Use cookie consent tools on our website (if available) to manage preferences.Opt out of targeted advertising through third-party services.

Please note that disabling certain cookies may affect website functionality and user experience.

5. Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in technology, law, or our business practices. Any updates will be posted on this page with the updated Effective Date.