Terms and Conditions

Clear, fair, and user-focused policies for your peace of mind when using Smarter Payouts.

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Platform Services•User Rights•State Compliance

Our Terms of Service

These terms govern your use of Smarter Payouts and our AI-powered platform.

Important: Smarter Payouts Platform Notice
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1Acceptance of Terms

By using the Smarter Payouts website and services, you agree to these terms and conditions. If you do not agree, please do not use our site.

2Platform Services & State Participation

Self-Quoting Platform: Smarter Payouts operates primarily as a technology platform that enables users to obtain quotes for their structured settlement payments. Our AI-powered system, Mint, provides automated quote generation and information services.

Direct Participation: Smarter Payouts may or may not directly participate in structured settlement transactions in all states. Our direct participation depends on:

  • State-specific licensing and bonding requirements
  • Local regulatory compliance obligations
  • Business operational decisions

State Inquiry: Users should specifically ask our representatives about our participation status, licensing, and bonding in their particular state before proceeding with any transaction.

3Use of the Website

  • You must be at least 18 years old to use our services.
  • Do not use our site for unlawful or prohibited purposes.
  • Information provided must be accurate and not misleading.

4Intellectual Property

  • All content, trademarks, and logos are the property of Smarter Payouts or its licensors.
  • You may not copy, reproduce, or distribute content without permission.

5Disclaimers & Limitations

  • Information on this site is for general purposes only and not legal or financial advice.
  • We do our best to keep information accurate but do not guarantee completeness or timeliness.
  • Smarter Payouts is not liable for any damages arising from use of the site or services.
  • Platform Limitation: As a self-quoting platform, we provide technology services and information. Our role and legal obligations vary by state based on licensing and participation status.

6User Responsibilities

  • Keep your login and personal information secure.
  • Do not attempt to disrupt or harm the website or other users.
  • State Verification: Users are responsible for verifying our participation status and licensing in their state before proceeding with any transaction.

7Changes to Terms

We may update these terms at any time. Changes will be posted on this page with a new effective date. Continued use of the site means you accept the new terms.

8Contact

If you have questions about these terms, contact us at support@smarterpayouts.com.

Terms & Conditions FAQ

Can I use your content on my own site?
No. All content is protected and may not be reused without written permission.
How will I know if the terms change?
We post updates on this page. Please check back regularly for the latest version.
Does Smarter Payouts participate in my state?
Smarter Payouts operates primarily as a self-quoting platform. Our direct participation varies by state due to licensing and bonding requirements. Please contact our representatives to verify our participation status and licensing in your specific state.
What states require licensing and bonding?
Some states like Georgia, Minnesota, and others have specific licensing and bonding requirements for structured settlement companies. Requirements vary and change over time. Always ask our representatives about current compliance status in your state.
Who can I contact with questions?
Email support@smarterpayouts.com and our team will be happy to help.

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Our terms and conditions clearly outline the rights and responsibilities of both Smarter Payouts and our clients when using our platform and services. These terms ensure transparency, protect user rights, and establish fair guidelines for using our calculator, obtaining quotes, and engaging with our settlement purchasing services.

Smarter Payouts is committed to fair, user-focused policies that protect your interests while providing clear guidelines for our services. We believe in transparency and ensuring you fully understand the terms before using our platform or accepting any offers.