Terms and Conditions
Last updated: April 12, 2026
These Terms and Conditions (“Terms”) govern your use of the Smart Appointment chatbot platform operated by Milpitas Communications (“we”, “us”, “our”). By interacting with a chatbot powered by Smart Appointment on Facebook Messenger, Instagram Direct, WhatsApp, or a credit union’s website, you agree to these Terms.
1. Service Description
Smart Appointment is an AI-powered chatbot platform that helps credit union members with loan pre-qualification, appointment booking, account information, and general inquiries. The chatbot is operated on behalf of participating credit unions.
2. Not Financial Advice
Information provided by the chatbot, including loan pre-qualification estimates, is for informational purposes only and does not constitute financial advice, a loan offer, or a binding commitment. All loan decisions are made by the credit union according to their lending criteria. Pre-qualification results are estimates based on self-reported information and may differ from actual loan terms.
3. Accuracy of Information
You agree to provide accurate information when interacting with the chatbot. We are not responsible for outcomes resulting from inaccurate or incomplete information you provide.
4. Availability
The chatbot service is provided “as is” and “as available.” We do not guarantee uninterrupted or error-free operation. We may modify, suspend, or discontinue the service at any time without notice.
5. Privacy
Your use of the service is also governed by our Privacy Policy. By using the service, you consent to the collection and use of information as described therein.
6. Intellectual Property
The Smart Appointment platform, including its software, design, and content, is owned by Milpitas Communications and protected by intellectual property laws. You may not copy, modify, distribute, or reverse engineer any part of the service.
7. Limitation of Liability
To the maximum extent permitted by law, Milpitas Communications shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service, including but not limited to decisions made based on chatbot responses.
8. Third-Party Platforms
The chatbot operates on third-party messaging platforms (Facebook, Instagram, WhatsApp). Your use of those platforms is subject to their respective terms of service and privacy policies. We are not responsible for the practices of these third-party platforms.
9. Changes to Terms
We reserve the right to update these Terms at any time. Continued use of the service after changes constitutes acceptance of the updated Terms.
10. Contact
For questions about these Terms: smartbot@milpitascommunications.com