Terms of use
Terms of use
Terms of Use
Last Updated: September 25, 2025
Last Updated: September 25, 2025
Welcome to LOANSMART AI! These Terms of Use ("Terms") govern your access to and use of the website at www.loansmart-ai.com (the "Site"), including any content, functionality, databases and services offered on or through the Site. Please read these Terms carefully before you start to use the Site. By using the Site, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Site.
1. Intellectual Property Rights
The Site and its entire contents, features, and functionality (including but not limited to all information, databases, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by David E. Hoffman Jr., its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The name "LOANSMART AI and loansmart-ai.com together with any derivative names thereof," the company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of David E. Hoffman Jr. You must not use such marks without the prior written permission of the Owner and the Company. All other names, logos, product and service names, designs, and slogans on this Site are the trademarks of their respective owners. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site strictly in accordance with these Terms. You agree not to reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site, except as it is automatically cached by your web browser for display enhancement purposes.
2. Prohibited Uses
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:
The information provided by LOANSMART AI on the Site is for general informational purposes only. All information on the Site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.
1. Intellectual Property Rights
The Site and its entire contents, features, and functionality (including but not limited to all information, databases, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by David E. Hoffman Jr., its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The name "LOANSMART AI and loansmart-ai.com together with any derivative names thereof," the company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of David E. Hoffman Jr. You must not use such marks without the prior written permission of the Owner and the Company. All other names, logos, product and service names, designs, and slogans on this Site are the trademarks of their respective owners. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site strictly in accordance with these Terms. You agree not to reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site, except as it is automatically cached by your web browser for display enhancement purposes.
2. Prohibited Uses
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:
- In any way that violates any applicable federal, state, local, or international law or regulation.
- To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which, as determined by us, may harm the Company or users of the Site.
- To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site.
- To reverse engineer, decompile, or otherwise attempt to discover the source code of any software used on the Site or the databases, their content, structure, location and accessibility.
- To use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.
The information provided by LOANSMART AI on the Site is for general informational purposes only. All information on the Site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.
No Financial Advice. The content on this Site is not intended to be a substitute for professional financial advice. Always seek the advice of a qualified professional with any questions you may have regarding your financial situation. Reliance on any information provided by this Site is solely at your own risk. The Site and its services are provided on an "AS IS" and "AS AVAILABLE" basis. We disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
4. Limitation of Liability
IN NO EVENT WILL DAVID E. HOFFMAN JR. NOR IT'S LICENSEE - LOANSMART MORTGAGE CORPORATION, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
5. Indemnification
You agree to defend, indemnify, and hold harmless David E. Hoffman Jr. and LOANSMART MORTGAGE CORPORATION, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Site.
6. Governing Law and Jurisdiction
All matters relating to the Site and these Terms, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the internal laws of the Commonwealth of Virginia, Henrico County without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the Commonwealth of Virginia in each case located in Henrico County.
7. Changes to Terms of Use
We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site following the posting of revised Terms of Use means that you accept and agree to the changes.
8. Contact Us
If you have any questions about these Terms of Use, please contact us at:
4. Limitation of Liability
IN NO EVENT WILL DAVID E. HOFFMAN JR. NOR IT'S LICENSEE - LOANSMART MORTGAGE CORPORATION, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
5. Indemnification
You agree to defend, indemnify, and hold harmless David E. Hoffman Jr. and LOANSMART MORTGAGE CORPORATION, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Site.
6. Governing Law and Jurisdiction
All matters relating to the Site and these Terms, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the internal laws of the Commonwealth of Virginia, Henrico County without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the Commonwealth of Virginia in each case located in Henrico County.
7. Changes to Terms of Use
We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site following the posting of revised Terms of Use means that you accept and agree to the changes.
8. Contact Us
If you have any questions about these Terms of Use, please contact us at:
LOANSMART MORTGAGE CORPORATION
c/o Registered Agent
9601 Gayton Road, Suite 100-E
Henrico, Virginia 23238
Current Updates & Public Disclosure:
This section is currently being updated. Please check back later.