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Terms of Use
Last Updated: November 8, 2025
Agreement to Terms
By accessing and using SimplyDebtSmart.com (the "Site"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this Site.
Use of Content
The content on this Site, including but not limited to text, graphics, images, and other material, is provided for informational purposes only. All content is the property of SimplyDebtSmart or its content suppliers and is protected by intellectual property laws.
You may not reproduce, distribute, modify, transmit, reuse, or use the content of this Site for public or commercial purposes without written permission from SimplyDebtSmart.
Disclaimer of Warranties
The information provided on this Site is for general informational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Site or the information, products, services, or related graphics contained on the Site.
Any reliance you place on such information is strictly at your own risk. We recommend consulting with qualified financial, legal, or tax professionals before making any financial decisions.
Third-Party Links
This Site may contain links to third-party websites or services that are not owned or controlled by SimplyDebtSmart. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that SimplyDebtSmart shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any such websites or services.
Limitation of Liability
In no event shall SimplyDebtSmart, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Site.
Modifications to Terms
SimplyDebtSmart reserves the right to modify or replace these Terms of Use at any time at our sole discretion. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Use.
Governing Law
These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
Contact Us
If you have any questions about these Terms of Use, please contact us.
Simply Debt Smart is a private company, not affiliated with any government agency. We may receive compensation from some partners when you engage with our site—such as clicking a link, calling a number, or submitting a form. All content is for general information only. Please consult with qualified financial, legal, or tax professionals before taking action.
NOTICE TO VERMONT CONSUMERS:
This website is a loan solicitation service, not a lender. Simply Debt Smart will share your information with one or more third-party lenders as part of your loan inquiry. Please note that the lender you are connected with may not be subject to all Vermont lending laws, but may be governed by applicable federal regulations.
Home Warranty disclosure for New Jersey Residents: The product being offered is a service contract. It is separate and distinct from any warranty that may be provided by a home builder or product manufacturer.
Simply Debt Smart does not accept loan or mortgage applications, nor does it make credit decisions. Instead, we present rates from lenders that are licensed or otherwise authorized to operate in Vermont. If you choose to be connected, we forward your information to the selected lender so they can contact you directly.
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