Last Updated: October 27, 2025

1. Introduction
These Terms of Service (“Terms”) govern your use of smartchoiceexperts.com (the “Site”) and any landing page on this domain (thisdomain.com/any-path). We provide an intermediary redirect service that connects you to third-party providers for insurance quotes, debt relief, or financial opportunities via pay-per-call. By using the Site or any landing page, you agree to these Terms.

2. Our Service
We do not sell insurance, debt relief, or any financial product. We do not provide financial, legal, or professional advice. After you submit a form on a landing page, you are redirected to a third-party provider. From that point forward, their terms of service, privacy policy, and practices apply — not ours.

3. Your Responsibilities

• You must be 18 years or older.

• You must provide accurate and truthful information.

• You are responsible for verifying all offers, terms, and conditions with the third-party provider.

• You agree not to misuse the Site (e.g., fraud, spam, or automated scraping).

4. Intellectual Property
All content on the Site and landing pages (text, images, logos, code) is owned by us or licensed. You may view it for personal use only. Copying, distributing, or commercial use is prohibited without written permission.

5. Third-Party Services & Redirects
We are not responsible for:

• The content, accuracy, or availability of third-party landing pages.

• The quality or outcome of any call, quote, or service.

• The privacy practices or data handling of third parties.
  Review their policies before proceeding.

6. Disclaimer of Warranties
The Site and all landing pages are provided “as is” with no warranties. We do not guarantee accuracy, savings, approvals, or results. Offers vary by provider and individual circumstances.

7. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any damages (direct, indirect, incidental, or consequential) arising from your use of the Site, landing pages, or third-party services.

8. Indemnification
You agree to indemnify and hold us harmless from any claims, losses, or damages resulting from your violation of these Terms or misuse of the Site.

9. Governing Law
These Terms are governed by the laws of the Republic of Poland. Any disputes shall be resolved exclusively in the courts of Warsaw, Poland.

10. Changes & Termination
We may update these Terms at any time. Continued use of the Site or landing pages means you accept the changes. We may block access for violations without notice.

11. Contact
Email: contact@smartchoiceexperts.com
Poland-based • Serving U.S. customers only

This site, smartchoiceexperts.com, is not a part of the Meta website or Meta Platforms, Inc. Additionally, this site is NOT endorsed by Meta in any way. META is a trademark of Meta Platforms, Inc.