Terms & Conditions

Smartwallet and its associates provide their services to you subject to the following conditions. If you visit or shop within this website, you accept these conditions. Please read them carefully.

PRIVACY

Please review our Privacy Policy, which also governs your visit to our website, to understand our practices.

ELECTRONIC COMMUNICATIONS

When you visit Initiate or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Initiate or its content suppliers and protected by international copyright laws. The compilation of all content on this site is the exclusive property of Initiate, with copyright authorship for this collection by Initiate and protected by international copyright laws.

LICENSE AND SITE ACCESS

Initiate, grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Initiate. This license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, descriptions, or prices: any derivative use of this site or its contents: any downloading or copying of account information for the benefit of another merchant: or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Initiate. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Initiate, and our associates without express written consent. You may not use any meta tags or any other “hidden text” utilizing Initiate’s name or trademarks without the express written consent of Initiate. Any unauthorized use terminates the permission or license granted by Initiate. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Initiate, so long as the link does not portray Initiate its associates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Initiate logo or other proprietary graphic or trademark as part of the link without express written permission.

APPLICABLE LAW

By visiting Initiate, you agree that the laws of the state of New York, without regard to principles of conflict of laws, will govern these and any dispute of any sort that might arise between you and Initiate or its associates.

QUESTIONS

Questions regarding our Conditions of Usage, Privacy Policy, or other policy-related material can be directed to our support staff by clicking on the “Contact” link at the footer.