Here is the complete, unified Terms of Use Policy for CreditSmart / American Credit Assurance, LLC, fully incorporating all core terms, service disclaimers, and state-by-state compliance provisions into one single document.

Effective Date: August 15, 2026

Last Updated: August 15, 2026

Welcome to CreditSmart, operated by American Credit Assurance, LLC (“Company,” “CreditSmart,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website located at https://creditsmart.acabos.net, our online prequalification forms, customer portals, CreditSmart Back Office software, training materials, and related services (collectively, the “Services”).

By accessing our Website, completing a prequalification profile, or using our Services, you agree to be bound by these Terms. If you do not agree, do not access or use our Website or Services.

1. Description of Services & Financial Disclaimers

CreditSmart provides accounts receivable (A/R) back-office software, risk management tools, business credit training programs (including Certified Credit Risk Management Professional / CCRMP scholarship evaluations), and connections to A/R credit facilities.

A. Important Credit Line Disclaimer

Subject to Approval: All accounts receivable credit limits (up to $5,000,000) and prequalification programs are subject to prior credit approval, underwriting criteria, and execution of formal credit agreements. Prequalification does not constitute a binding offer or guarantee of credit.

Not Bank Loans or Insurance: CreditSmart software and A/R credit line options are business credit risk management tools and accounts receivable financing structures. They do not constitute bank loans or insurance products.

B. Educational & Advisory Disclaimer

Content, webinars, reports (including Protracted Credit Risk Reports), and training materials provided on the site are for general informational and educational purposes only and do not constitute formal legal, tax, accounting, or financial advice.

2. User Eligibility & Account Responsibilities

Business Use Only: The Website and Services are designed strictly for commercial and business purposes. By using our site, you represent that you are at least 18 years old and authorized to act on behalf of your business entity.

Accurate Information: You agree to provide true, accurate, current, and complete information in all forms, prequalification submissions, and applications. Providing false or misleading information may result in termination of your access or rejection of your prequalification.

3. Communications & Electronic Consent

By submitting your contact information (including phone number and email address) on our website or prequalification forms, you explicitly consent to receive communications from American Credit Assurance, LLC and its operational partners, including:

Emails regarding your prequalification profile, training courses, and service updates.

Phone calls and text messages (SMS/MMS) regarding your application status or scheduling consultations.

You may opt out of SMS communications at any time by replying STOP, or unsubscribe from marketing emails via the link provided in the footer of such communications.

4. Intellectual Property Rights

All content, logos, text, graphics, trademarks, software code, training syllabus materials, and videos on the Website (including the names CreditSmart, CreditSmart Back Office, and American Credit Assurance) are the exclusive property of American Credit Assurance, LLC or its licensors and are protected by United States and international copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and view the content solely for your internal business evaluation. You may not copy, reproduce, distribute, modify, reverse engineer, or create derivative works from any part of the site or software without express written permission.

5. Prohibited Conduct

When using our Website and Services, you agree not to:

Provide false, fraudulent, or inaccurate business or financial data.

Attempt to gain unauthorized access to our systems, servers, software, or other users' accounts.

Use any automated device, spider, scraper, or bot to extract data from the site without authorization.

Use the Services to engage in any unlawful, deceptive, or abusive commercial practice.

6. State-Specific Compliance & Financial Disclosures

A. Commercial Credit Disclaimer (State Commercial Financing Notice)

Business-to-Business (B2B) Exclusions: CreditSmart Back Office software, accounts receivable financing options, and CCRMP training programs are offered exclusively for commercial, business, or organizational purposes.

Consumer Credit Exclusions: The Services do not provide consumer loans, consumer lines of credit, or personal debt management. Certain consumer protection statutes—such as the federal Truth in Lending Act (TILA) or state-specific consumer credit disclosure acts (e.g., California Financing Law or New York Commercial Finance Disclosure Law)—do not apply to non-regulated B2B accounts receivable factoring/line structures offered through independent business referral partners.

B. California Business & Professions Code Notice

If you access our platform from California, you acknowledge that CreditSmart Back Office operates as a business credit software platform and referral facilitator for commercial entities, and is not a licensed consumer debt settlement or personal credit repair organization under California Civil Code § 1789.10.

C. Telephone Consumer Protection Act (TCPA) & State Telemarketing Compliance

By submitting your phone number via our prequalification form, you acknowledge compliance with national and state-level automated messaging regulations (including Florida SB 1120 and Texas Business & Commerce Code):

Direct consent granted through our online lead forms permits American Credit Assurance, LLC to send SMS notification updates and call strictly related to your submitted business profile.

You may revoke telemarketing or SMS consent at any time by replying STOP to any text message or calling (888) 780-7330.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL AMERICAN CREDIT ASSURANCE, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO 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 WEBSITE OR SERVICES;

ANY DECISION MADE OR CREDIT ACTION TAKEN IN RELIANCE UPON INFORMATION PROVIDED ON THE SITE; OR

UNAUTHORIZED ACCESS, ALTERATION, OR USE OF YOUR TRANSMISSIONS OR CONTENT.

8. Disclaimer of Warranties

THE WEBSITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

9. Indemnification

You agree to defend, indemnify, and hold harmless American Credit Assurance, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your violation of these Terms or your use of the Services.

10. Governing Law & Dispute Resolution

Governing Law: These Terms, your application, and any disputes or claims arising out of your use of CreditSmart software or forms shall be governed by and construed in accordance with the laws of the State of Texas, without giving effect to any choice-of-law principles.

Exclusive Jurisdiction: You agree that any legal action or proceeding arising under or related to these Terms shall be brought exclusively in the state or federal courts having jurisdiction over the Company's primary operations in Texas, and you consent to personal jurisdiction therein.

11. Modifications to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting the revised Terms on our website. Your continued use of the Website or Services after any changes constitutes acceptance of the updated Terms.

12. Contact Information

For questions or notices regarding these Terms of Use, please contact us:

American Credit Assurance, LLC / CreditSmart

Email: [email protected]

Phone: (888) 780-7330

Website: https://creditsmart.acabos.net