Privacy Policy

Last updated: January 1, 2026

smooth creditway ("we", "us") respects your privacy. This policy explains what personal and financial information we collect, how we use it, and the choices you have.

1. Information we collect

• Contact details such as name, email, phone number and mailing address.
• Financial information you provide, such as income, employment, assets, liabilities and credit-related details.
• Identifiers needed for verification, such as date of birth and government-issued ID numbers, collected only when required.
• Technical data such as IP address, device type, browser and pages visited.

2. How we use information

• To evaluate and arrange loans, insurance, payment, investment, warranty and debt relief services.
• To verify identity and prevent fraud, money laundering and other unlawful activity.
• To communicate about your enquiry, send service notices and, with consent, marketing.
• To meet legal, regulatory and recordkeeping obligations.

3. Sharing of information

We share information with lenders, insurers, payment processors, credit reporting agencies and service providers only as needed to deliver the services you request, or as required by law. We do not sell your personal information. Under the Gramm-Leach-Bliley Act, you may limit certain sharing with non-affiliated third parties; contact us to exercise this right.

4. Credit information

Where you authorize it in writing, we may obtain consumer reports in line with the Fair Credit Reporting Act. If an offer is declined based on such a report, you will receive notice identifying the reporting agency.

5. Data security

We apply administrative, technical and physical safeguards including encryption in transit, access controls and staff training. No method of transmission is completely secure, and we cannot guarantee absolute security.

6. Retention

We keep records only as long as needed for the purposes above or as required by financial recordkeeping laws, then securely delete or anonymize them.

7. Your rights

Depending on your state of residence, you may have the right to access, correct, delete or obtain a copy of your personal information, and to opt out of targeted advertising. California residents may exercise rights under the CCPA/CPRA. Submit requests using the contact details below; we will verify your identity before acting.

8. Marketing choices

You may unsubscribe from emails at any time using the link in each message, and opt out of calls or texts by replying STOP or contacting us.

9. Cookies

We use cookies and similar tools to operate the site, remember preferences and measure performance. You can control cookies in your browser settings.

10. Children

Our services are intended for adults aged 18 and over. We do not knowingly collect information from children.

11. Changes to this policy

We may update this policy and will post the revised date above. Continued use of the site means you accept the changes.

12. Contact

smooth creditway, NY, New York City, 136 Madison Avenue, New York, 10016
Email: info@smoothcreditway.com

Terms and Conditions

Last updated: January 1, 2026

By accessing or using this website and our services you agree to these Terms. If you do not agree, please do not use the site.

1. Nature of services

smooth creditway provides information, comparison, referral and arrangement services relating to loans, insurance, digital payments, investments, home warranty and debt relief. We are not a lender, insurer or bank unless expressly stated in a written agreement. Products are issued by third-party providers under their own terms.

2. No professional advice

Content on this site is for general information only and is not legal, tax, accounting or investment advice. Consult a qualified professional before making financial decisions.

3. Eligibility

You must be at least 18 years old and legally able to enter binding contracts. Availability of products varies by state and by individual circumstances.

4. Applications and approval

• All loans, coverage and services are subject to credit review, underwriting and provider approval.
• Rates, fees, terms and estimates shown, including calculator results, are illustrative and not an offer or commitment.
• You agree to provide accurate and complete information and to update us of any changes.

5. Investments

Investments including mutual funds, gold, equities and digital currency involve risk, including possible loss of principal. Past performance does not guarantee future results. Digital currency is volatile and may not be insured by any government program.

6. Insurance and home warranty

Coverage, exclusions, deductibles, waiting periods and claim procedures are set by the issuing provider. Home warranty plans are service contracts and are not insurance. Please read each policy or contract carefully.

7. Debt relief disclosures

Debt settlement and consolidation outcomes are not guaranteed and may affect your credit standing, and settled amounts may have tax consequences. Bankruptcy guidance is informational and does not replace advice from a licensed attorney.

8. Fees

Any fees for our services will be disclosed in writing before you agree to proceed. We comply with applicable laws governing fee collection.

9. Communications consent

By submitting your details you agree we may contact you by phone, email or text about your enquiry. Message and data rates may apply. You may opt out at any time.

10. Intellectual property

All content, trademarks, logos and design on this site belong to smooth creditway or its licensors and may not be copied or reused without written permission.

11. Limitation of liability

To the fullest extent permitted by law, smooth creditway is not liable for indirect, incidental or consequential damages, or for the acts or omissions of third-party providers. The site is provided "as is" without warranties of any kind.

12. Governing law and disputes

These Terms are governed by the laws of the State of New York. Disputes will be resolved in the state or federal courts located in New York County, unless a separate written agreement provides otherwise.

13. Changes

We may revise these Terms at any time. Continued use after changes are posted constitutes acceptance.

14. Contact

smooth creditway, NY, New York City, 136 Madison Avenue, New York, 10016
Email: info@smoothcreditway.com