Last updated: 20 February 2026
These Terms of Use ('Terms') govern your access to and use of the debt consolidation websites, tools, and services operated by Smart Gravity LTD ('we', 'our', or 'us') (collectively referred to as the 'Sites').
By accessing or using our Sites, you agree to comply with these Terms. If you do not agree, please discontinue your use of the Sites immediately.
We may modify these Terms at any time, and such changes will be effective upon posting on this page. It is your responsibility to review these Terms periodically. Continued use of the Sites constitutes acceptance of any updates.
These Terms explain:
By using the Sites, you affirm that you are at least 18 years old and legally capable of entering into a binding agreement.
If you are using the Sites on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
You agree to use the Sites only for lawful purposes and in accordance with these Terms. You must not:
The information provided on the Sites is for general informational purposes only and does not constitute financial, legal, or credit advice.
We do not guarantee that using our Sites will result in approval for debt consolidation, loans, or other financial products.
You are solely responsible for evaluating any financial decisions and should consult qualified professionals before making financial commitments.
Some features may require you to create an account or submit personal and financial information. You agree to provide accurate, current, and complete information and to update it as necessary.
You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately if you suspect unauthorized use.
All content on the Sites, including text, graphics, logos, icons, images, software, and trademarks, is the property of Smart Gravity LTD or its licensors and is protected by applicable intellectual property laws.
You may access and use the Sites for personal, non-commercial purposes only. Reproduction, modification, distribution, or commercial use of any materials without prior written consent is strictly prohibited.
The Sites may include links to or integrations with third-party lenders, financial institutions, or service providers.
Smart Gravity LTD does not control and is not responsible for the content, terms, decisions, or practices of any third-party providers.
Any agreements entered into with third parties are solely between you and the third party.
The Sites and their content are provided on an 'as is' and 'as available' basis without warranties of any kind, whether express or implied.
We make no warranties regarding the accuracy, reliability, availability, or suitability of the Sites or any financial outcomes.
We do not guarantee uninterrupted or error-free operation of the Sites.
To the maximum extent permitted by law, Smart Gravity LTD and its affiliates, directors, employees, or partners shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of the Sites.
This includes, without limitation, financial losses, credit impact, loss of opportunities, or data-related damages.
You agree to indemnify and hold harmless Smart Gravity LTD, its affiliates, officers, employees, and partners from any claims, damages, liabilities, costs, or expenses arising from your use of the Sites, your violation of these Terms, or your dealings with third-party providers.
We reserve the right to suspend or terminate your access to the Sites at any time, without notice, for any reason, including violation of these Terms.
Upon termination, your right to use the Sites will immediately cease. Provisions relating to intellectual property, disclaimers, limitations of liability, and indemnification will survive termination.
These Terms shall be governed by and construed in accordance with the laws of the United States.