Terms of Service

Last Updated: December 20, 2025

Welcome to Smartly Rich ("we," "us," "our"). By accessing or using this website, you agree to these Terms of Service. If you do not agree, do not use the site.

1. No Insurance, Legal, or Financial Advice

Smartly Rich is not an insurance company, broker, agent, financial institution, or legal advisor. We do not sell policies or provide professional advice. All content is for informational and marketing purposes only.

2. How Our Service Works

Smartly Rich operates as an advertising-supported referral platform. We connect users with third-party companies such as insurance carriers, brokers, and service providers. When you click links, submit information, or call phone numbers listed on our site, we may receive compensation.

Compensation may influence:

We do not represent all providers in the market.

3. Third-Party Partners

When you interact with a partner (e.g., request a quote), you are dealing directly with them, not us. We cannot control their prices, decisions, underwriting, data handling practices, or contract terms. Your interactions with them are governed by their terms and privacy policies.

4. No Guarantees

We do not guarantee:

All offers are subject to change without notice.

5. Limitation of Liability

To the fullest extent allowed by law, Smartly Rich is not liable for damages arising from use of the site, errors or omissions, delays, unavailability, or interactions with third-party companies. You use the site at your own risk.

6. User Responsibilities

You agree not to:

7. Intellectual Property

All trademarks, logos, and brand names displayed belong to their respective owners. All Smartly Rich content is protected by copyright.

8. Changes to Terms

We may update these Terms at any time. Continued use of the site means you accept the updated version.

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