Terms of Use of Smart Money Guide
Welcome to Smart Money Guide. By accessing or using our website at smartmoneyguide.com, you agree to comply with and be bound by the following Terms of Use. Please read these terms carefully before using our platform. If you do not agree with any part of these terms, you should discontinue use of the website.
1. Acceptance of Terms
By accessing smartmoneyguide.com, you confirm that you are at least 18 years of age (or the legal age of majority in your jurisdiction) and possess the legal authority to enter into this agreement. These terms apply to all visitors, users, and others who access or use the website.
2. Educational & Educational Content Disclaimer (Not Financial Advice)
All content published on Smart Money Guide—including articles, guides, reviews, rates, tools, calculators, and newsletters—is provided solely for informational and educational purposes.
No Professional Advice: The information on this website does not constitute financial, investment, legal, tax, or insurance advice.
No Fiduciary Relationship: Using this website does not create an advisor-client, agent-principal, or fiduciary relationship between you and Smart Money Guide, its authors, or its Editor, Montu Das.
Independent Evaluation Required: Financial products, rates, and regulations change constantly. You should independently verify any financial information and consult with a licensed financial advisor, CPA, attorney, or insurance professional before making significant financial decisions.
3. Intellectual Property Rights
Unless otherwise stated, Smart Money Guide and its licensors own all intellectual property rights for the material on this website. All rights are reserved.
Permitted Use: You may view, download, and print pages from smartmoneyguide.com for your own personal, non-commercial use, subject to the restrictions set out below.
Prohibited Use: You must not:
Republish, sell, rent, or sub-license material from smartmoneyguide.com without prior written consent.
Reproduce, duplicate, or copy material for commercial purposes.
Systematically extract data (scraping, data mining) from this site.
Frame or utilize framing techniques to enclose any trademark, logo, or proprietary information.
4. User Conduct & Submissions
When interacting with our site (such as submitting forms, commenting, or sending feedback), you agree not to:
Submit false, misleading, or fraudulent information.
Post or transmit any material that is unlawful, defamatory, obscene, harassing, or invasive of another person's privacy.
Upload files containing viruses, malware, corrupted files, or software that could damage the operation of the site or another user's device.
Attempt to gain unauthorized access to our servers, website administration, or connected networks.
5. Third-Party Links & Affiliate Disclosures
Smart Money Guide contains links to third-party websites, financial institutions, service providers, and advertisers.
External Websites: We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.
Affiliate Disclosure: Some links on this site are affiliate links. If you click through and purchase or apply for a financial product, we may receive compensation at no extra cost to you. For full details, please review our Affiliate Disclosure.
6. Disclaimer of Warranties
Smart Money Guide is provided on an "AS IS" and "AS AVAILABLE" basis without any representations or warranties, express or implied.
While we strive to publish accurate, up-to-date, and well-researched content, Smart Money Guide makes no warranties that:
The website will remain uninterrupted, secure, or error-free.
The information on this site is complete, fully accurate, or completely up to date at all times.
Results obtained from the use of tools, calculators, or recommendations will meet your financial expectations.
7. Limitation of Liability
To the maximum extent permitted by applicable law, Smart Money Guide, its owner, authors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages resulting from:
Your access to or inability to access or use the website.
Any financial losses, investment choices, or decisions made based on the content provided on the website.
Any unauthorized access to or use of our secure servers and/or personal information stored therein.
Errors, mistakes, or inaccuracies in any content.
8. Indemnification
You agree to defend, indemnify, and hold harmless Smart Money Guide, its founder Montu Das, and its editorial team from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms of Use or your use of the website.
9. Modifications to the Terms
We reserve the right to revise, update, or replace these Terms of Use at any time without prior notice. The updated version will be posted directly on this page with a revised "Last Updated" date. Your continued use of the website after any modifications constitutes acceptance of the new terms.
10. Governing Law
These Terms of Use are governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any legal suit, action, or proceeding arising out of these terms shall be instituted in the proper courts having jurisdiction over the operator of the platform.
11. Contact Information
If you have any questions regarding these Terms of Use, please reach out to us:
Email:montudas1971.smg24@blogger.com
Editorial Lead: Montu Das
