Last updated: August 22, 2026
This page is placeholder legal content prepared during our rebrand and has not yet been reviewed by an attorney. It is provided for general informational purposes only, is not legal advice, and will be replaced with counsel-reviewed language before final publication.
This Disclosures page summarizes important information about SmartPerson Financial's services, advertising, and the limits of what we can promise. It should be read together with our Privacy Policy and Terms of Service.
Credit repair, dispute resolution, and capital access outcomes vary by individual and depend on facts specific to your credit file, your creditors, the credit bureaus, and third-party lenders, none of which SmartPerson Financial controls. Past client experiences and any testimonials referenced on this site or in our marketing are individual results and are not a guarantee or prediction of what any particular person will experience. Any figures referenced (including funding amounts such as "up to $250,000 in 0% interest funding") represent a maximum potential outcome under favorable circumstances, not a typical or guaranteed result.
Federal law gives you specific rights when working with a credit repair organization, including: the right to cancel your contract without penalty within three business days from the date you sign it; the right to sue a credit repair organization that violates the Credit Repair Organizations Act; and the right not to pay for services until they are actually performed, consistent with applicable state and federal law. You are also entitled to a free copy of your credit report from each of the three nationwide credit bureaus once every twelve months at annualcreditreport.com, and you may dispute inaccurate information directly with the credit bureaus and creditors yourself, at no cost.
Experian®, Equifax®, TransUnion®, and FICO® are registered trademarks of their respective owners. SmartPerson Financial is an independent company. We are not affiliated with, endorsed by, sponsored by, or in any way officially connected with Experian, Equifax, TransUnion, FICO, or any other credit bureau or scoring model provider, and none of those companies has reviewed, approved, or endorsed any material on this site.
This website may feature offers from third-party partners, including identity and credit monitoring services. Where such an offer is a paid or sponsored placement, it will be labeled accordingly. We may receive compensation when you use a partner offer through a link on our site. Any such offer is subject to that partner's own terms, pricing, and eligibility requirements, which we do not control.
Content on this website, including the debt-to-income calculator, credit score meter, guides, and educational articles, is provided for general informational purposes only. It is not individualized legal, tax, accounting, or financial advice, and should not be relied upon as such. You should consult a licensed professional regarding your specific circumstances before making financial decisions.
Some states impose additional requirements on credit services organizations, including bonding, registration, or specific contract disclosures. Where applicable, those requirements are addressed in the services agreement provided to you at enrollment, which controls over any general statement on this website.
These disclosures, and the interpretation of any dispute relating to them, are governed by the laws of the State of New York, without regard to conflict of laws principles, except as otherwise required by applicable law or your services agreement.
If you have questions about any disclosure on this page, contact us at info@smartpersonfinancial.com before enrolling in any program.