Terms & Conditions

Effective Date: 4/21/25
Last Updated: 4/21/25

Welcome to Smart Property Finance (referred to as "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website located at [www.smartpropfinance.com] ("Website").

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Website.

1. Use of the Website

You agree to use the Website only for lawful purposes and in accordance with these Terms. You must not:

Use the Website in any way that violates applicable local, national, or international laws or regulations.
Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Website.
Attempt to interfere with the proper functioning of the Website, including introducing viruses or malicious code.

2. Intellectual Property

All content on this Website—including but not limited to text, graphics, logos, images, audio, video, design, layout, and software—is the property of [Your Website Name] or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may view or print content from the Website for your personal, non-commercial use only. You may not modify, copy, reproduce, distribute, republish, download, display, post, or transmit any part of the Website for commercial purposes without prior written permission.

3. User-Submitted Content

By submitting content to us (such as through contact forms, comments, or email), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and distribute such content for any purpose related to the Website.

You agree that you will not submit any content that is unlawful, defamatory, abusive, obscene, or otherwise objectionable.

4. Third-Party Links and Services

Our Website may contain links to third-party websites or services. We do not control and are not responsible for the content, privacy policies, or practices of any third-party sites or services. Inclusion of links does not imply endorsement.

You acknowledge and agree that [Your Website Name] shall not be liable for any damage or loss caused by or in connection with use of or reliance on any such content, goods, or services available on or through any third-party sites.

5. Disclaimers

The information provided on this Website is for general informational and educational purposes only. While we strive to provide accurate and up-to-date information, we make no warranties or representations of any kind regarding the accuracy, completeness, reliability, or availability of any information on the Website.

We are not licensed real estate agents, brokers, mortgage lenders, attorneys, or financial advisors. You should consult with a qualified professional for any real estate, financial, or legal matters.

Your use of the Website is at your own risk. The Website is provided "as is" and "as available," without warranties of any kind.

6. Limitation of Liability

To the fullest extent permitted by law, [Your Website Name] and its affiliates, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, resulting from your access to or use of the Website.

7. Indemnification

You agree to indemnify, defend, and hold harmless [Your Website Name], its affiliates, officers, directors, employees, and agents from any and all claims, liabilities, damages, costs, or expenses arising from your use of the Website or violation of these Terms.

8. Modifications to the Website and Terms

We reserve the right to modify, suspend, or discontinue the Website at any time without notice. We also reserve the right to update or change these Terms at any time. Changes will be posted on this page with the updated effective date. Your continued use of the Website after any changes constitutes acceptance of those changes.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law principles.