1. Acceptance of Terms
By accessing or using SmartRates (smartratesusa.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the site. We reserve the right to update these terms at any time; continued use after changes constitutes acceptance.
2. Use of the Service
SmartRates provides free financial calculators and product comparison tools for informational purposes only. You may use the site for personal, non-commercial purposes. You may not:
• Scrape, crawl, or automatically extract data from the site • Reproduce calculator outputs in commercial products without attribution • Use the site to transmit malicious code or interfere with its operation • Attempt to reverse engineer any calculator algorithms
3. No Financial Advice
Nothing on SmartRates constitutes financial, tax, investment, or legal advice. All calculator results are estimates based on the inputs you provide and publicly available data. Results may differ from actual figures due to rounding, individual circumstances, or changes in tax law or rates.
Always consult a qualified financial advisor, CPA, attorney, or other licensed professional before making financial decisions.
4. Accuracy of Information
We make reasonable efforts to keep data current (interest rates, tax brackets, contribution limits, product terms, etc.). However, financial information changes frequently and we cannot guarantee that all information is accurate, complete, or up to date at the time you access it.
External links to financial product providers (credit cards, loans, brokerages) are provided for convenience only. We are not responsible for the accuracy of third-party sites or any decisions made based on third-party information.
5. Intellectual Property
All content on SmartRates — including calculator code, design, copy, and data compilations — is the property of SmartRates and is protected by applicable copyright and intellectual property laws. You may share links to the site and quote limited excerpts with attribution, but may not reproduce substantial portions without written permission.
6. Third-Party Links
SmartRates links to third-party financial product providers (credit card issuers, lenders, brokerages) for comparison and convenience purposes. SmartRates does not have affiliate relationships with any product provider listed on this site — we do not receive commissions, referral fees, or compensation based on applications or account openings.
All product comparisons and rankings are editorially independent. See our Methodology page for details on how products are evaluated.
7. Advertising
SmartRates is supported by display advertising served through Google AdSense and other third-party advertising networks. Advertising revenue does not influence our editorial content, product rankings, calculator methodologies, or any other editorial decisions.
Third-party advertisers, including Google, may use cookies and similar technologies to serve ads based on your interests. You may opt out of personalized advertising at https://adssettings.google.com or https://optout.aboutads.info. See our Privacy Policy and Advertiser Disclosure for full details.
8. Disclaimer of Warranties
SmartRates is provided "as is" without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses. To the fullest extent permitted by law, SmartRates disclaims all implied warranties including merchantability and fitness for a particular purpose.
9. Limitation of Liability
To the fullest extent permitted by law, SmartRates and its operators shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the site or reliance on any information provided, even if advised of the possibility of such damages. Our aggregate liability shall not exceed $100.
10. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law provisions. Any disputes arising under these Terms shall be resolved exclusively in the federal or state courts located in Delaware, and you consent to personal jurisdiction in those courts. If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.
11. Contact
For questions about these Terms, please use the Contact page. We aim to respond within 2 business days.