Terms And Conditions

The following terms (“Terms of Use”) constitute an agreement between Money Smart Guides, and you that governs your use of this website and all of its associated services, content, and functionality. This policy applies to the website administered by Money Smart Guides (“Website”), located at https://www.moneysmartguides.com/.

Your use of the Website constitutes your acceptance of, and agreement to, the following Terms of Use. Money Smart Guides reserves the right to modify, alter, amend or update its Website, policies, and these Terms of Use. These Terms of Use are subject to change without notice. If you do not agree with or do not accept any part of these Terms of Use, you must not use the Website.

Disclosure

Information presented on Money Smart Guides is intended for informational and entertainment purposes only and is not meant to be taken as financial advice. The views expressed on this website are personal opinions only and should not be construed as financial advice for your given situation.

While all attempts are made to present accurate information, it may not be appropriate for your specific circumstances and information may become outdated over time. Please make sure to do your own due diligence and seek a trusted financial professional before making any financial decisions of your own.

Money Smart Guides does not make any representations as to the validity, accuracy, completeness, or suitability of any claims made here. Money Smart Guides does not assume any liability with regard to financial results based on the use of the information provided here. Furthermore, advertisers, commenters, and linked sites are solely responsible for their views and content, which do not necessarily represent the views of Money Smart Guides.

Rights Related to Your Personal Information

Opt-out – You may opt-out of future email communications by following the unsubscribe links in our emails. You may also notify us here to be removed from our mailing list.

Access – You may access the personal information we have about you by submitting a request here.

Amend – You may contact us here to amend or update your personal information.

Forget – In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request here.

Please note that we may need to retain certain information for record-keeping purposes or to complete transactions, or when required by law.

Sensitive Personal Information

At no time should you submit sensitive personal information to the Website. This includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships. If you elect to submit such information to us, it will be subject to our Privacy Policy.

Children’s Information

The Website does not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that the Website has personally identifiable information of a child under the age of 16 in its database, please contact us immediately here. We will use our best efforts to promptly remove such information from our records.

Affiliate Marketing

From time to time, the Website may engage in affiliate marketing. This means that if you use an affiliate link to make a purchase, the Website will receive a commission on that purchase. All efforts are made to ensure that affiliate links are disclosed in accordance with the FTC.

Money Smart Guides is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

FTC Disclosure

From time to time, the Website may post sponsored content from an advertiser. This means that an advertiser, which may be a brand, agency, or influencer network, will contract with Money Smart Guides to create content featuring certain messages or product placement. Pursuant to the FTC’s requirements, all such advertisements on the Website are clearly and conspicuously disclosed.

Even though compensation (e.g., cash, free product, or services) is received in exchange for this sponsored content placement, Money Smart Guides gives its honest opinion, findings, beliefs, or experiences in such content. All views expressed on the Website are those of the content creator. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider, or party in question.

General Disclaimer

Money Smart Guides has made every effort to ensure that all information on the Website has been tested for accuracy. Money Smart Guides makes no guarantees regarding the results that you will see from using the information provided on the Website.

Financial Information Disclaimer

Money Smart Guides is not a professional financial advisor. Nothing presented on the Website creates a professional relationship between you and  Money Smart Guides.

From time to time, the Website may discuss topics related to finance and investing. This information is not advice and should not be treated as financial advice. The financial and investing information provided on the Website is provided “as is” without any representations or warranties, express or implied. The Website makes no representations or warranties in relation to the financial and investing information on the Website.

You must not rely on the information on the Website as an alternative to advice from a certified public accountant, licensed financial planner, or professional financial advisor. There is no accountant-client relationship created from the publication of financial information on the Website. You should never delay seeking financial advice, disregard financial advice, or discontinue professional financial services as a result of any information provided on the Website.

Your Responsibility

The Website was developed strictly for informational purposes. You understand and agree that you are fully responsible for your use of the information provided on the Website. Money Smart Guides makes no representations, warranties, or guarantees. You understand that results may vary from person to person. Money Smart Guides assumes no responsibility for errors or omissions that may appear on the Website.

Use of the Website

Unless otherwise stated, Money Smart Guides owns the intellectual property and rights to all content and material on the Website. Subject to the license below, all intellectual property rights are reserved.

You may view, download (for caching purposes only), and print pages for your personal use, subject to the restrictions set out below and elsewhere in these Terms of Use.

The following uses are not permitted:

  • Republication of content from the Website, unless content is specifically and expressly made available for republication;
  • Sale, rental, or sub-license of any content from the Website;
  • Reproduction or duplication of any content on the Website for commercial purposes;
  • Modification of any content on this website, unless content is specifically and expressly made available for modification;
  • Redistribution of content of the Website, unless content is specifically and expressly made available for redistribution. Users are permitted to share content on social media channels, as long as a link to the Website is included.

From time to time, the Website will utilize various plugins or widgets to allow the sharing of content via social media channels, email, or other methods. The use of these plugins or widgets does not constitute any waiver of Money Smart Guides intellectual property rights. Such use is a limited license to republish the content on the approved social media channels, with full credit to Money Smart Guides.

You must not use the Website in a way that causes, or may cause, damage to the Website or impair the availability of access to the Website. You must not decompile, reverse engineer, disassemble, or otherwise reduce the Website, except to the extent that such activity is expressly permitted by applicable law. You must not use the Website to copy, store, host, transmit, send, use, publish or distribute any material that consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit and/or other harmful code or malicious software.

You must not conduct any systematic or automated data collection activities, including, but not limited to scraping, data mining, data extraction, or data harvesting on or in relation to the Website without Money Smart Guides express written permission.

You must not use the Website to transmit or send any unsolicited commercial communications.

You must not use the Website for any third-party marketing without Money Smart Guides express written permission.

Copyright

Unless otherwise noted, the design, content, and all components of the Website are copyrights owned by Money Smart Guides or third parties and are protected by the United States and international copyright laws and should not be reused or republished without express written permission.

Trademarks

Money Smart Guides trademarks and trade dress may not be used in connection with any product or service that is not Money Smart Guides, in any manner likely to cause confusion among consumers, or in any manner that disparages or discredits Money Smart Guides.

From time to time, the Website will legally utilize trademarks owned by third parties related to Money Smart Guides services. These trademarks are the respective property of their owners.

Grant of rights

You grant Money Smart Guides a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute any content you contribute to the Website. This includes, but is not limited to, text, images, audio material, comments, video material, and audio-visual material. This license extends to all known and future media. You also grant Money Smart Guides the right to sub-license these rights and the right to bring an action for infringement of these rights.

Content contributed to the website

Any content you contribute to the site, including, but not limited to text, images, audio material, comments, video material, and audio-visual material, must not be illegal or unlawful, may not infringe on any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Money Smart Guides or a third party.

Money Smart Guides reserves the right to edit or remove: (i) any material submitted to the Website; (ii) stored on Money Smart Guides servers; or, (iii) hosted or published on the Website. Money Smart Guides takes no responsibility and assumes no liability for any content posted by you or any third party.

Notwithstanding Money Smart Guides rights under the Terms of Use, Money Smart Guides does not undertake to monitor the submission of all content to, or the publication of such content on, the Website.

Take down Requests

From time to time, the Website will publish posts with images from other third-party websites. Any such use is intended considered fair use under copyright laws and is fully attributed to the owner. If you believe that your copyrighted work has been used on the Website in a way that constitutes copyright infringement and falls outside of fair use, please send a request here and we will remove the image within 24 to 48 hours.

Communication

If you send Money Smart Guides an email, register to use the Website, or provide your email to Money Smart Guides in any other way, you consent to receive communications from Money Smart Guides electronically. You agree that all legal notices provided via electronic means from Money Smart Guides satisfy any requirement for written notice.

Third parties

The Website contains links to third-party websites that are not governed or controlled by Money Smart Guides. You represent and warrant that you have read and agree to be bound by all applicable Terms of Use and policies for any third-party website that relates to your use of the Website. Money Smart Guides assumes no control or liability over the content of any third-party sites. You expressly hold harmless Money Smart Guides from any and all liability related to your use of a third-party website.

Prior to engaging in any events or commercial transactions with any third parties discovered through or linked on the Website, you must complete any necessary investigation or due diligence. If there is a dispute for any events or commercial transactions with a third party discovered through or linked on the Website, you expressly hold Money Smart Guides harmless from any and all liability in any dispute.

No warranties

The Website is provided on an “as is” and “as available” basis without any representations or warranties, expressed or implied. Money Smart Guides makes no representations or warranties in relation to the Website or the information and materials provided therein.

Money Smart Guides makes no warranty the Website will meet your requirements; will be available uninterrupted; timely and free of viruses or bugs; or represents the full functionality, accuracy, and reliability of the website. Money Smart Guides is not responsible to you for the loss of any content or material uploaded or transmitted through the Website. The Website is written in English and makes no warranty regarding translation or interpretation of content in any language.

Limitation of liability

Money Smart Guides will not be liable for any consequential, incidental, indirect, exemplary, punitive, or special damages of any kind, however, caused, including loss of profits, revenue, data, or use, incurred by you, whether under theory of contract, tort (including negligence), warranty or otherwise, even if the other party has been advised of the possibility of such damages.

Indemnity

You agree to defend, indemnify and hold Money Smart Guides, its members, employees, officers, directors, managers, and agents harmless from and against any and all losses, claims, suits, actions, liabilities, obligations, costs, and expenses (including reasonable attorneys’ fees and expenses) which Money Smart Guides suffers as a result of third-party claims based on: (i) your negligence or intentional misconduct, (ii) your breach of any provision of the Terms of Use (including representation or warranty); (iii) materials prepared or provided by you including, but not limited to, any claims of infringement, or misappropriation of copyright, trademark, patent, trade secret, or other intellectual property or proprietary right, infringement of the rights of privacy or publicity, or defamation or libel; or (iv) death, personal injury, or property damage arising out of, or relating to, your obligations hereunder.

Arbitration

The Terms of Use will be governed and construed in accordance with the laws of the State of Pennsylvania. Any controversy or claim arising out of or relating to the Terms of Use, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The place of any such arbitration shall be in or near Montgomery County, Pennsylvania. The parties also agree that the AAA Optional Rules for Emergency Measures of Protection shall apply to the proceedings.

Miscellaneous Provisions

If any provision(s) of the Terms of Use is held to be invalid, illegal, or unenforceable, the remaining provisions shall be severable and enforceable. If a provision is excessively broad, such a provision shall be limited or reduced in scope so as to be enforceable.

The Terms of Use may not be assigned by you without Money Smart Guides prior written consent, however, the Terms of Use may be assigned by Money Smart Guides in its sole discretion.

The Terms of Use are the final, complete, and exclusive agreement of the parties with respect to the Website offered by Dulin Media Group LLC.

All notices with respect to the Terms of Use must be in writing and may be sent here.

How To Contact Us

If you have any questions or concerns regarding the Terms and Conditions related to our website, please feel free to contact us at the following email address.

Email: contact@moneysmartguides.com

Address: 1210 North Bethlehem Pike, Suite B8 #1071, North Wales, PA 19454

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