Effective Date: 6/27/2024

Welcome to Smart Money Essentials. By accessing or using our website smartmoneyessentials.com (the “Site”), you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing and using the Site, you agree to be bound by these Terms and our Privacy Policy. We may update these Terms from time to time, and your continued use of the Site constitutes your acceptance of any changes.

2. Use of the Site

  • Eligibility: You must be at least 18 years old to use the Site.
  • Personal Use: The Site is intended for personal, non-commercial use only.
  • Compliance: You agree to use the Site in compliance with all applicable laws and regulations.

3. Intellectual Property

  • Ownership: All content on the Site, including text, graphics, logos, and images, is the property of smartmoneyessentials.com or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.
  • License: We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for personal use. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent.

4. User Contributions

  • Content: You may submit comments, feedback, or other content to the Site (“User Contributions”). By submitting User Contributions, you grant us a worldwide, non-exclusive, royalty-free, perpetual, and irrevocable license to use, reproduce, modify, and distribute your User Contributions in any media.
  • Responsibility: You are solely responsible for your User Contributions and any consequences of posting or publishing them.

5. Prohibited Conduct

You agree not to:

  • Use the Site for any unlawful purpose.
  • Post or transmit any content that is harmful, offensive, or infringing.
  • Use any automated means to access the Site.
  • Interfere with the operation of the Site or any user’s enjoyment of the Site.
  • Attempt to gain unauthorized access to any part of the Site or its systems.

6. Disclaimers

  • No Financial Advice: The content on the Site is for informational purposes only and does not constitute financial advice. You should seek professional financial advice before making any financial decisions.
  • As-Is: The Site is provided “as is” without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted or error-free.

7. Limitation of Liability

In no event will Smart Money Essentials be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Site.

8. Indemnification

You agree to indemnify and hold harmless Smart Money Essentials and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, and expenses arising out of your use of the Site or violation of these Terms.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of Ohio, United States of America, without regard to its conflict of law principles.

10. Contact Us

If you have any questions about these Terms, please contact us at:

Smart Money Essentials
smartmoneyessentials@gmail.com
P.O. Box 37090, Bedford, OH, 44137

Thank you for visiting smartmoneyessentials.com!