Disclosures

CashSmartUSA.com is a referral service that puts you in touch with companies offering services you are interested in receiving quotes and consultations from. CashSmartUSA.com is not an end provider of debt relief services nor are we part of any agreement or contract of services you may commit to with a debt relief company.

The content provided on CashSmartUSA.com is a general description of services. Actual benefits, costs and features of services will vary from company to company. It is up to you, the consumer to consult with the service provider and any professional you deem appropriate to educate yourself on all the details of their program before making any decision.

By completing a form on this website you are requesting a service to contact you, in most cases by telephone, regardless of your status on the do not call list (DNC). Forms on this website are for information requests only, mainly for quotes, they are never an application or pre-qualification for services. CashSmartUSA.com evaluates carefully the service providers we put you in touch with, however we do not endorse nor are we responsible for the actions taken or services provided by any particular company that may be found by using the CashSmartUSA.com website.

CashSmartUSA.com is not providing legal, financial, investing or any other professional advice. Although we believe the content on this website to be accurate it is general in nature and does not fully describe the complex details of every debt situation or program you may decide to use. It is recommended that you always contact a professional in the appropriate field for advice before making any decision.

CashSmartUSA.com is not liable for any loss resulting from a business relationship formed by you the consumer and an end service provider found using the CashSmartUSA.com website.

Credit Repair
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580

By using Self Start Credit Repair, you acknowledge receipt of the foregoing Consumer Disclosure which has been provided to the undersigned by Halo Credit Solutions, LLC in accordance with the Credit Repair Organizations Act.

Self Start Credit Repair is provided by Halo Credit Solutions.

Credit Monitoring & Free 3-in-1 Credit Reports
When you sign up for Credit Monitoring or Free 3-in-1 Credit Reports offered by CashSmartUSA.com you agree to be an enrolled member of Credit Diagnosis.

Membership Benefits. As a Member, You are entitled access to discounts and/or other benefits on certain products and services offered by participating vendors ("Benefits"), as explained in the Membership Materials or on the Program website. Some Benefits may not be available in your area. See your Membership Materials or Program website for details and limitations.

Membership Term. Your Membership is effective for: a) under the annual membership plan, a period of twelve months following the membership enrollment date, b) under the monthly payment plan, a period of one (1) month following the membership enrollment date and will continue on a month to month basis until You cancel your Membership as described below, or c) under the installment payment plan, the period agreed upon by You. You are limited to one Membership per twelve-month period per Immediate Family as defined below.

Renewal of Membership. Unless You notify Us that You wish to terminate this Agreement and cancel your Membership by following the instructions below, your Membership will be renewed automatically and You will be charged the then-current Membership Fee, which will appear on your billing statement or monthly mortgage statement, depending upon how You enrolled. This is known as a Continuity Plan. We reserve the right to increase or decrease the Membership Fee for each renewal Membership Term (or each twelve-month period for memberships under the monthly billing plan), effective upon renewal of your Membership.

Payment of Membership Fee. The payment of your Membership Fee (which includes any trial period fee, enrollment or processing fee and shipping and handling charges, as applicable) is made automatically by a direct charge(s) to the billing source authorized by You, in accordance with the payment terms to which You agreed. If applicable, in the event that your billing source cannot process the Membership Fee due to insufficient available credit or funds, We may, at our discretion, divide the total Membership Fee into incremental charges in order to process the total Membership Fee.

Use of Membership. Your Membership is non-transferable. You agree that only You and your Immediate Family may use the Membership. "Immediate Family" means You, your spouse or partner and your children living at your home. Benefits are not for resale. You will promptly notify Us if You become aware of any unauthorized use of your Membership card or Membership number, or if your Membership card is lost or stolen. If You were offered the opportunity to claim a gift in connection with your enrollment in the Program, You are limited to one gift per Program and, depending upon the offer You agreed to, You may be required to be an active member of the Program at the time your gift claim is processed.

TERMINATION OF MEMBERSHIP. YOU MAY TERMINATE THIS AGREEMENT AND YOUR MEMBERSHIP AT ANY TIME BY CALLING US AT THE TOLL-FREE NUMBER LISTED ON YOUR MEMBERSHIP CARD OR THE PROGRAM WEBSITE OR BY NOTIFYING US IN WRITING AT MEMBER SAVINGS, P.O. BOX 5152, DES PLAINES, IL 60017-5152. YOUR CANCELLATION WILL BE EFFECTIVE PROMPTLY UPON THE RECEIPT OF YOUR CANCELLATION REQUEST. UPON CANCELLATION, DEPENDING UPON THE TERMS YOU AGREED TO, a) UNDER THE SINGLE PAYMENT PLAN, YOU WILL RECEIVE EITHER A PRORATED OR A FULL REFUND OF THE PAID MEMBERSHIP FEE FOR THE THEN-CURRENT YEAR; b) UNDER THE INSTALLMENT PAYMENT PLAN, YOU WILL EITHER RECEIVE A PRORATED OR A FULL REFUND OF THE PAID MEMBERSHIP FEE FOR THE THEN-CURRENT YEAR; c) UNDER THE MONTHLY PAYMENT PLAN, YOU WILL NOT OWE ANY FURTHER MEMBERSHIP FEES AND WILL NOT BE ENTITLED TO A REFUND OF PAST FEES CHARGED TO YOUR ACCOUNT; AND d) UNDER CERTAIN OTHER PAYMENT PLANS, YOU WILL NOT OWE ANY FURTHER MEMBERSHIP FEES AND WILL NOT BE ENTITLED TO A REFUND OF PAST FEES CHARGED TO YOUR ACCOUNT. DEPENDING UPON THE TERMS YOU AGREED TO, ANY ENROLLMENT, PROCESSING AND/OR TRIAL PERIOD FEES MAY NOT BE REFUNDABLE. ANY OTHER FEES OR CHARGES INCURRED IN CONNECTION WITH THE PROGRAM (INCLUDING BANK OR OVERDRAFT CHARGES) ARE YOUR RESPONSIBILITY. WE WILL TERMINATE YOUR MEMBERSHIP IF IT IS NOT USED IN ACCORDANCE WITH THIS AGREEMENT OR HAS NOT BEEN PROPERLY ENROLLED THROUGH AN AUTHORIZED MARKETING OR ADVERTISING PARTNER. IN SUCH CASES, WE RESERVE THE RIGHT TO: (1) NOT REFUND MEMBERSHIP FEES PAID BY YOU; (2) NOT FULFILL ANY PENDING BENEFIT ORDERS; AND (3) NOT PROCESS ANY CREDITS FOR GIFT CARDS OR CERTIFICATES PURCHASED UP TO ONE MONTH PRIOR TO CANCELLATION OF THE MEMBERSHIP BY US. WE RESERVE THE RIGHT TO TERMINATE YOUR MEMBERSHIP AT ANY TIME FOR ANY OTHER REASON PROVIDED THAT WE MAKE ANY REFUND DUE TO YOU BASED UPON THE TERMS OF YOUR ENROLLMENT. A MEMBER IS PROHIBITED FROM RE-ENROLLING IN THE PROGRAM FOR AT LEAST TWELVE (12) MONTHS FROM CANCELLATION.

Debt Settlement
In no case should you, the visitor, believe that there is any guarantee that you will not have to file bankruptcy now or in the future. This type of claim is not possible since bankruptcy is YOUR decision. * Up to 60% Debt reductions shown are real examples of some of the higher potential debt reductions possible. The debt negotiation industry averages about a 50% debt reduction, plus fees for their service, your results will vary. CashSmartUSA.com is not the end provider of debt relief service thus we do not guarantee any debt reduction amount, this will be estimated by the debt relief company you choose to use.

Important Issues to Consider when Evaluating Debt Settlement or Negotiation Programs

Consumers should not use a debt settlement service if they are able to pay their minimum balances due each month. Nor should you join if they do not have a legitimate financial hardship.

1) late fees, penalties, and interest will continue to accrue on the consumer's debt until the consumer's creditors accept and receive a settlement; (2) a consumer's creditors may still sue to collect on the debts and garnish the consumer's wages; (3) interest rates applicable to the consumer's debt may increase; (4) any money a consumer saves in negotiating a settlement with a creditor must be treated as income for tax purposes; and (5) a debt settled for less than the full amount owed may result in a negative notation on the consumer's credit report.

CashSmartUSA.com's debt settlement program is provided by Halo Debt Solutions.

Mortgages
CashSmartUSA.com is not acting as a lender or broker. The information provided by you to CashSmartUSA.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property's location, your credit score, your loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states.

Home loans, home equity loans, and refinancing services are provided by Halo Group Mortgage.

Payday Loans
IMPORTANT DISCLOSURES: CashSmartUSA.com and its affiliates offer payday loans, cash advances, installment loans and credit services only to residents in those states where permitted by law. To obtain a loan, you must have a valid checking account and email address. In most cases loans will be funded the next business day without requiring any faxing of information unless we are unable to verify your application information. Great Rates refers to rates as compared to other similarly licensed online lenders.

CONSUMER NOTICE: Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.