From all appearances, SmartAdvances.com is a safe, legitimate lender-matching service. It demonstrates a commitment to your safety and security in several ways: It is a member of the Online Lenders Association, committing it to “the highest standards of conduct, dedicated to ensuring the best possible experience for its customers, fully compliant with federal law, and working hard to protect consumers from fraud.” As an OLA member, SmartAdvances.com must abide by the organization’s Best Practices and Code of Conduct to ensure clients are fully informed and fairly treated. The SmartAdvances.com website communications are encrypted using 256-bit SSL technology, as confirmed by its HTTPS address prefix. You can use the website securely from your online browser or web server. Unfortunately, some personal finance websites dealing in subprime lending can sometimes generate spam. Smart Advances enforces an Anti-Spam Policy that prohibits any reference or advertisement of its brand and website using unsolicited email messages. It pledges to investigate all complaints and take the actions necessary to protect clients.