Terms and Conditions

1. Company Information

Smart Housing Review is owned and operated by:

Lead Gen Black Belt s.r.o.
Narodni 135/14
Prague, 110 00
Czechia
Email: support@smarthousingreview.com

2. Website Purpose

Smart Housing Review provides general educational and informational content about mortgage, refinance, home equity, and related housing finance topics.

The website also allows consumers to submit information to request contact from a participating mortgage professional.

3. We Are Not a Lender or Mortgage Broker

Smart Housing Review is not a lender, mortgage broker, loan originator, bank, credit provider, financial advisor, tax advisor, or legal advisor.

We do not:

• Offer loans
• Make credit decisions
• Approve or deny applications
• Determine loan eligibility
• Quote binding loan terms
• Guarantee rates
• Collect loan payments
• Service loans
• Provide mortgage advice

Any mortgage product, rate, term, approval, or recommendation is provided solely by the participating mortgage professional, broker, lender, or financial institution that contacts you.

4. Lead Generation Disclosure

When you submit information through the website, we may share your information with one participating mortgage broker or mortgage professional who may contact you regarding your inquiry.

We may receive compensation for this referral.

Your submission does not create a client, broker, lender, fiduciary, advisory, or professional relationship with Smart Housing Review.

5. No Guarantee

We do not guarantee that:

• You will be contacted
• You will qualify for a mortgage product
• You will be approved
• You will receive a lower rate
• You will reduce your monthly payment
• You will save money
• Any loan product will be available
• Any information on the website will apply to your specific situation

All examples on the website are hypothetical and for informational purposes only.

6. No Financial, Legal, Tax, or Mortgage Advice

The website content is for general informational purposes only.

Nothing on this website should be interpreted as:

• Financial advice
• Legal advice
• Tax advice
• Mortgage advice
• Credit advice
• Investment advice
• A loan offer
• A loan commitment
• A solicitation by a lender

You should consult qualified professionals before making financial decisions.

7. User Responsibilities

You agree that any information you submit will be accurate, current, and complete to the best of your knowledge.

You agree not to:

• Submit false information
• Submit another person's information without permission
• Use the website for unlawful purposes
• Interfere with website security
• Attempt to access systems without authorization
• Use bots, scraping tools, or automated systems without permission

8. Communications Consent

By submitting your contact information, you may consent to be contacted by Smart Housing Review and/or one participating mortgage professional regarding your inquiry.

Specific telephone, SMS, and email consent language may appear near the form submission button. That consent language is incorporated into these Terms.

Consent is not a condition of purchasing any goods or services.

9. Third-Party Mortgage Professionals

Participating mortgage brokers, loan officers, lenders, and financial institutions are independent third parties.

We are not responsible for:

• Their advice
• Their licensing
• Their offers
• Their rates
• Their underwriting
• Their communications
• Their services
• Their errors or omissions
• Their privacy practices
• Their compliance with applicable laws

You should independently verify the licensing, reputation, and credentials of any mortgage professional before doing business with them.

10. Rates, Payments, and Examples

Any rates, payment examples, savings examples, qualification examples, or debt examples shown on the website are illustrative only.

Actual rates, payments, fees, closing costs, loan terms, and eligibility vary based on many factors, including:

• Credit profile
• Income
• Debt-to-income ratio
• Property value
• Loan-to-value ratio
• State
• Lender guidelines
• Market conditions
• Loan product
• Documentation
• Underwriting review

11. Intellectual Property

All website content, including text, graphics, branding, design, logos, videos, quiz flows, layouts, and other materials, is owned by or licensed to Smart Housing Review.

You may not copy, reproduce, distribute, modify, sell, or exploit website content without written permission.

12. Website Availability

We may modify, suspend, or discontinue the website at any time without notice.

We do not guarantee uninterrupted, secure, or error-free access.

13. Disclaimer of Warranties

The website is provided "as is" and "as available."

We disclaim all warranties, express or implied, including warranties of accuracy, reliability, merchantability, fitness for a particular purpose, and non-infringement.

14. Limitation of Liability

To the fullest extent permitted by law, Lead Gen Black Belt s.r.o., Smart Housing Review, and their owners, officers, employees, contractors, partners, and service providers will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from your use of the website.

This includes damages related to:

• Lost profits
• Lost opportunities
• Financial decisions
• Loan denials
• Rate changes
• Broker or lender conduct
• Data loss
• Website errors
• Third-party services

15. Indemnification

You agree to indemnify and hold harmless Lead Gen Black Belt s.r.o. and Smart Housing Review from claims, damages, losses, liabilities, costs, and expenses arising from:

• Your use of the website
• Your violation of these Terms
• Your submission of inaccurate information
• Your violation of another person's rights
• Your unlawful conduct

16. Privacy

Your use of the website is also governed by our Privacy Policy.

17. Governing Law

These Terms are governed by the laws of Czechia, without regard to conflict of law principles, except where mandatory consumer protection laws of your jurisdiction apply.

18. Dispute Resolution

Before bringing a formal claim, you agree to contact us first at nazim@smarthousingreview.comso we can attempt to resolve the issue informally.

19. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in effect.

20. Changes to These Terms

We may update these Terms from time to time. Continued use of the website after changes are posted means you accept the updated Terms.

21. Contact

Lead Gen Black Belt s.r.o.
Narodni 135/14
Prague, 110 00
Czechia
Email: support@smarthousingreview.com