Last Updated: July 1, 2020
SMScredit.app is not a lender or lending partner and is not responsible for any lending product advertised or offered to you, or for any credit decisions made about you. No specific loan products are offered to you on this Site by SMScredit.app. Specific loan products are offered to you directly by the lender or lending partner.
You agree that clicking “Get Cash Now” (or other such button you use to submit your form) acts as your electronic signature. You further consent that we and any lender or lending partner we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically, including without limitation any notices of adverse action that a lender or lending partner is required send to you. You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.
By clicking “Submit”, I agree to receive informational, promotional or marketing related SMS messages from SMScredit.app and marketing partners. This is a standard rate subscription service available on most carriers including U.S. Cellular, AT&T, Cellular One, T-Mobile, Sprint, Boost, MetroPCS, Verizon Wireless, Alltel Wireless and Virgin Mobile. Msg&Data Rates May Apply. Requires text-enabled handset. Carriers are not liable for delayed or undelivered messages. You may cancel your subscription by texting STOP in response to the message you receive. You can also get info directly on your phone by texting HELP in response to the message you receive. Service will continue until customer cancels.
By providing SMScredit.app with your email address, you agree to receive transactional and promotional emails from SMScredit.app, its marketing partners, lenders and lender networks. You may opt-out of future email marketing messages by emailing support@SMScredit.app and including “unsubscribe” in the subject line.
SMScredit.appreserves the right to reject your inquiry at any time for any reason not prohibited by law. SMScredit.app may require additional information or verification before your form is accepted. When you submit your information through a form on our Site, you will be connected with a lender or lending partner for further consideration based on the lender’s or lending partner’s policies and procedures. This does not mean your loan has been approved. Loan approval is solely the lender’s or lending partner’s decision. SMScredit.app is not responsible for taking, approving or denying your form. By submitting your information, you agree that if we cannot find a lender or lending partner that can offer you the type of loan you initially requested, we will search our network of lenders or lending partners to see if we can find other lenders or lending partners with different loan products to help you.
Participating lenders or lending partners may verify your social security number, driver’s license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders or lending partners may obtain such credit reports and verify your information.
You must be 18 years or older and a legal resident of the United States to submit a form. You agree not to use this Site for any illegal or inappropriate activities.
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this Site is the intellectual property of SMScredit.app, its licensees, or other third parties who have authorized use of such properties on the Site.
You have permission to view and make copies of documents, pages, images or other materials or content on this site for the sole purposes of requesting a loan. SMScredit.app reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any documents, pages, images, materials or content without our prior written consent. Nothing contained on this Site should be construed as conferring any right or license to any trademark, copyright or other intellectual property right.
SMScredit.app uses commercially reasonable efforts to ensure that the information on this Site is accurate, but accuracy is not guaranteed. SMScredit.app makes no representations regarding your use of this Site or results that you may or may not obtain through such use.
NEITHER SMScredit.app NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.
This Site may contain links to websites maintained by third parties. SMScredit.app is not responsible for the content or privacy policies of third party websites, and the existence of such links should not be considered an endorsement or recommendation of those websites, the product or service offered or any third parties associated with those websites.
SMScredit.app uses industry-recognized technology to protect your personal information. Although SMScredit.app takes commercially reasonable measures to secure your personal information submitted through this Site, SMScredit.app cannot guarantee that your information will not be intercepted or decrypted by others. So long as SMScredit.app uses commercially reasonable security measures, it accepts no responsibility for such interception or decryption except as required by law.
SMScredit.app does not charge you any fees for your use of this Site or our marketplace service. SMScredit.app is not acting as an agent for (1) you, (2) any lender or lending partner or (3) any supplier or vendor used in the evaluation of your loan inquiry or other use of this Site. SMScredit.app may receive compensation from lenders or lending partners and other third parties for its services.
By using this Site, you agree to indemnify, defend and hold harmless SMScredit.app, its subsidiaries, affiliates, officers, agents and other partners and employees, from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site.
ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR SMScredit.app WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS. FURTHERMORE, YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER OR LENDING PARTNER TO WHOM YOU ARE REFERRED HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IS INTENDED TO BE ENFORCED TO THE FULL EXTENT ALLOWED BY LAW.
Company name: Nesmetaju LLC
Address: Springates Building, Lower Government Road, Charlestown, Nevis, Saint Kitts and Nevis
Email Address: support@SMScredit.app
INFORMATION FOR ISPs:
Company name: Nesmetaju LLC
Email Address: support@SMScredit.app
PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR REQUEST STATUS, YOU MUST CONTACT YOUR LENDER OR LENDING PARTNER DIRECTLY. SMScredit.app IS NOT YOUR LENDER OR LENDING PARTNER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.
Notice and Take Down Procedures
If you believe any materials accessible on or from the Site infringe your copyright or other intellectual property, you may request removal of those materials (or access thereto) from the Site by contacting our copyright agent (identified below) and providing the following information:
Send the above information to:
Springates Building, Lower Government Road, Charlestown, Nevis, Saint Kitts and Nevis
Email Address: legal@SMScredit.app
For all email submissions, please include the subject line: DMCA Takedown Request.
We collect the following personal information about consumers:
|Category||Categories of sources from which the information was collected||The business or commercial purpose for which the information was collected|
|Identifiers such as a real name, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, social security number, and driver’s license number.||Consumers directly||To connect consumers with a lender and offer other services they may be interested in.|
|Categories of personal information* such as name, social security number, address, telephone number, driver's license or state identification card number, employment, bank account number, and other financial information.||Consumers directly||To connect consumers with a lender and offer other services they may be interested in.|
|Characteristics of protected classifications under federal law and applicable state law, such as age.||Consumers directly||To connect consumers with a lender and offer other services they may be interested in.|
|Geolocation data such as your approximate location.||Data analytics providers||To connect consumers with a lender and offer other services they may be interested in.|
*as described in subdivision (e) of California Civil Code Section 1798.80
We disclose or sell the following categories of personal information to third parties for a business or commercial purpose:
|Category||The categories of third parties to whom the information was disclosed or sold|
|Identifiers such as a real name, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, social security number, and driver’s license number.||Lenders, lender-networks, and other marketing partners.|
|Categories of personal information* such as name, social security number, address, telephone number, driver's license or state identification card number, employment, bank account number, and other financial information.||Lenders, lender-networks, and other marketing partners.|
|Characteristics of protected classifications under California or federal law such as age.||Lenders, lender-networks, and other marketing partners.|
*as described in subdivision (e) of California Civil Code Section 1798.80
We do not collect or sell the personal information of minors under 16 years of age without affirmative authorization.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way.
We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.
You may opt-out of future email marketing messages by emailing support@SMScredit.app and including “unsubscribe” in the subject line.
To limit our sharing, email us at support@SMScredit.app.
If you are a California consumer as defined by the California Consumer Protection Act (“CCPA”) you have the following rights:
You have the right to request that SMScredit.app disclose the personal information we collect, use, disclose, and sell by sending a request to support@SMScredit.app or by clicking here. For categories of information collected or disclosed, please refer to the information provided above, which reflects the categories of information collected or disclosed in the last 12 months.
In order to verify your request for information, you must provide your name, email, and phone number. A verification link will be sent to your email address. It will direct you to a verification page where you must provide your name, email address, date of birth, driver’s license number or state ID number, and Social Security number. We will match the personal information provided by you with personal information maintained by SMScredit.app. You will also have to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Once your identity is verified, your request will be processed in a timely manner.
You have the right to request deletion of your personal information collected or maintained by sending a request to support@SMScredit.app or by clicking here.
In order to verify your request for deletion, you must provide your name, email, and phone number. A verification link will be sent to your email address. It will direct you to a verification page where you must provide your name, email address, date of birth, driver’s license number or state ID number, and Social Security number. We will match the personal information provided by you with personal information maintained by SMScredit.app. You will also have to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Once your identity is verified, your request will be processed in a timely manner.
You have the right to opt-out of the sale of your personal information.
You can direct SMScredit.app to stop selling your personal information, and to refrain from doing so in the future, by clicking here or sending a request to support@SMScredit.app.
If you are an Authorized Agent acting on behalf of a consumer to exercise their right to opt-out, send an email request to support@SMScredit.app. You will be required to submit documentation as proof of the agency relationship.
You have the right to receive nondiscriminatory treatment by us for the exercise of your privacy rights conferred by the CCPA.
Unless permitted by the CCPA, SMScredit.app will not:
You have the right to designate an authorized agent to make a request under the CCPA on your behalf. To make a request on behalf of a consumer as an authorized agent, please send an email request to support@SMScredit.app. You will be required to provide documentation that proves the agency relationship.
Last updated: July 1, 2020