Terms of Service

See our dedicated SMS Terms and SMS Terms Marketing for text-messaging specific terms.

These Terms of Service ("Terms") constitute a legally binding agreement between you and Smart Money Verified ("Company," "we," "us," or "our") governing your access to and use of the SmartMoneyVerified website and services.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our services.

1. We offer marketing and promotional text messaging. These messages are for educational purposes.
2. You can cancel the SMS service at any time. Just text “STOP” to our texting number. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, first text START to our texting number and then just sign up as you did the first time and we will start sending SMS messages to you again.
3. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at contact@smartmoneyverified.com.
4. Carriers are not liable for delayed or undelivered messages. Message and data rates may apply.
5. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
6. If you have any questions regarding privacy, please read our Privacy Policy.
7. I further acknowledge and agree that, in accordance with applicable law, SMS messages may be sent during and outside of standard hours, including evenings and Sundays, unless I choose to opt out of such extended delivery.

Smart Money Verified provides educational content, AI-powered verification tools, and information services designed to help users evaluate investment companies and advisors. Our services include:

• AI-powered verification and Trust Score generation
• Access to educational content about investment fraud
• Aggregation and analysis of publicly available information
• Fraud detection and red flag identification
• Communications about vetted opportunities, fraud alerts, and educational content via email, phone, and SMS (with your consent)

We operate a dual consent system for communications. When you provide your contact information through our forms, you may separately consent to two types of communications:

Message frequency may vary. Standard messaging and data rates may apply.

When using our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Use our services only for lawful purposes
• Not misuse or attempt to manipulate our verification systems
• Not use automated tools or bots to access our services without permission
• Not copy, reproduce, or redistribute our content without authorization
• Comply with all applicable laws and regulations

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the accuracy, completeness, or reliability of any information on our website or in our reports.

Our Trust Scores and verification reports are based on publicly available information and AI analysis. They are subject to errors, omissions, and limitations. You should:

• Independently verify all information before making decisions
• Consult with professionals for personalized advice
• Understand that our analysis is not exhaustive or definitive
• Recognize that circumstances can change after our analysis

You use our information at your own risk. We are not responsible for any decisions you make based on our content.

All content on our website, including text, graphics, logos, images, software, and Trust Score reports, is the property of Smart Money Verified or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content without our express written permission, except as permitted for personal, non-commercial use.

Our services may contain links to third-party websites or resources. We are not responsible for the content, accuracy, or practices of any third-party sites. Your use of third-party websites is at your own risk.

Links to third-party sites do not constitute an endorsement or recommendation by Smart Money Verified.

You agree to indemnify, defend, and hold harmless Smart Money Verified and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Any content you submit or transmit through our services

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including if we believe you have violated these Terms.

Upon termination, your right to use our services will immediately cease. Provisions that by their nature should survive termination shall survive, including disclaimers, limitations of liability, and dispute resolution provisions.

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules, except that either party may seek injunctive relief in court for intellectual property disputes.

You waive any right to participate in class action lawsuits or class-wide arbitration.

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date.

Your continued use of our services after changes are posted constitutes your acceptance of the modified Terms.