Legal

Terms of Use

Last updated: August 16, 2026

Acceptance

These Terms govern your use of choicefortune.com, operated by Jane Smith Marketing LLC under the ChoiceFortune brand. By using the site, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the site.

Educational service—not a lender

ChoiceFortune provides general educational content and a contact-request service. ChoiceFortune and Jane Smith Marketing LLC are not banks, lenders, mortgage brokers, loan servicers, credit bureaus, or credit decision-makers. We do not make credit offers, determine eligibility, set rates or fees, approve applications, or guarantee financing.

No professional advice

Content is not financial, legal, tax, real-estate, or credit advice. It may not include every factor relevant to you or every market change. Consult qualified professionals and review a provider's official disclosures before making a decision.

No loan application or guarantee

Submitting our form is not a loan application, prequalification, preapproval, credit inquiry, or commitment to lend. It does not affect your credit score. Any provider will apply its own underwriting, licensing, geographic availability, terms, fees, and eligibility requirements.

User responsibilities

You agree to provide accurate information, use the site lawfully, avoid interfering with site security, and not submit sensitive financial credentials through the contact form. You must be at least 18 and located in the United States.

Communications

If you provide express consent, we may contact you by email, telephone, or text concerning your request. Consent is not a condition of obtaining goods or services. Message and data rates may apply. Reply STOP to text messages or email us to withdraw consent.

Third parties

Links or later introductions to third parties do not imply endorsement or guarantee. Third parties control their own products, terms, privacy practices, and decisions. Review their documents independently.

Intellectual property

The site design, original text, graphics, and ChoiceFortune branding are owned by or licensed to Jane Smith Marketing LLC and may not be copied or commercially reused without permission, except as allowed by law.

Disclaimers and limitation

To the maximum extent allowed by law, the site is provided “as is” and “as available,” without warranties of accuracy, availability, merchantability, fitness for a particular purpose, or non-infringement. Jane Smith Marketing LLC will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the site. Some jurisdictions do not allow certain limitations, so they may not apply to you.

Changes and governing law

We may update the site or these Terms. Updated Terms apply when posted. These Terms are governed by applicable law, without overriding consumer rights that cannot legally be waived.

Contact

Email [email protected] or write to Jane Smith Marketing LLC, 555 California St, Ste 100 – PMB 123, San Francisco, CA 94104.