1. Acceptance of Terms
By accessing and using Smart Capital Insight website and services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you must discontinue use of our services immediately and contact support for account closure.
2. Service Description
Smart Capital Insight provides financial advisory, loan facilitation, insurance brokerage, investment management, and digital payment services. All services are subject to eligibility requirements, regulatory approvals, and applicable terms specific to each product. We reserve the right to modify or discontinue any service without prior notice.
3. User Responsibilities
Users are responsible for maintaining the confidentiality of their account credentials, providing accurate personal and financial information, and complying with all applicable laws. Any unauthorized use of your account must be reported immediately. You agree not to misuse our platform for fraudulent, illegal, or harmful activities.
4. Financial Disclaimer
All financial information, projections, and recommendations provided through our platform are for informational purposes only and do not constitute professional financial advice. Investment products carry inherent risks including potential loss of principal. Past performance does not guarantee future results and individual outcomes may vary significantly.
5. Fees and Payments
Service fees, interest rates, and charges are clearly disclosed before any transaction or agreement. Smart Capital Insight reserves the right to adjust pricing with thirty days advance written notice. All payments must be made through approved channels and outstanding balances may accrue interest as specified in individual service agreements.
6. Intellectual Property
All content, logos, trademarks, designs, and proprietary tools on the Smart Capital Insight platform are protected by intellectual property laws and remain our exclusive property. Users may not reproduce, distribute, or commercially exploit any materials without express written permission. Unauthorized use constitutes a violation of these terms and applicable copyright laws.
7. Limitation of Liability
Smart Capital Insight shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our services, including but not limited to financial losses, data breaches caused by third parties, or service interruptions. Our total liability is limited to the fees paid by you in the preceding twelve months.
8. Account Termination
We reserve the right to suspend or terminate user accounts that violate these terms, engage in fraudulent activities, or pose security risks to our platform and other users. Users may close their accounts at any time by providing written notice. Outstanding obligations must be settled before account closure is finalized.
9. Governing Law
These terms shall be governed by and construed in accordance with the laws of USA. Any disputes arising from these terms or our services shall be resolved through binding arbitration in USA, unless otherwise required by applicable consumer protection regulations.
10. Amendments
Smart Capital Insight reserves the right to amend these terms and conditions at any time. Changes become effective upon posting on our website with an updated revision date. It is your responsibility to review these terms periodically. Continued use of our services following any modifications constitutes binding acceptance of the updated terms.
