1. Acceptance Terms and Conditions
Your access to and use of SmartSpending101 is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website.
2. Credit card details
We will never ask for credit card details and request that you do not enter it on any of the forms on this website.
The contents of this website do not constitute advice and should not be relied upon in making or refraining from making, any decision.
4. Change of Use
4.1 We may change these Terms and Conditions at any time, and your continued use of the Website following any changes shall be deemed to be your acceptance of such change.
5. Links to Third Party Websites
5.1 This Website may include links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of such websites and you acknowledge and agree that we are not responsible for the content or availability of any such sites. Any third party website advertised on this page may have terms and conditions and privacy policies that differ significantly from those found here and we encourage you to read them before using the third party website.
5.2 We never charge you a fee for the use of our services. However, the owners and operators of this Website may be compensated by third parties whose products may be viewed on this Website.
6. Usage of Collected Information
6.1 Through your use of this Website you may provide us with personal information, including but not limited to your name, mailing address, email address, or telephone number. In addition, we may request information about your use of or interest in products and services offered by us or associated third-party advertisers with whom we have partnered to offer you the products and services available on this Website.
6.2 By using the Website and providing us with your information you hereby authorize us to use your personal information for any legal purpose including, but not limited to, the following: a) transferring your information to us to effectuate a purchase of goods or services offered by us, b) providing promotional offers to you by means of advertising, pop-ups, pop-unders and/or online banner advertising, and c) through the use of targeted email marketing.
6.3 You may choose to opt out and be removed from marketing programs by following the opt out instructions listed on our Website, or by using unsubscribe links provided in any marketing emails, or by submitting a request to be unsubscribed here.
6.4 We do not share your information with any third parties and all information submitted by you is used exclusively for our own purposes, as detailed in these Terms and Conditions.
7.1 All copyright, trade marks and all other intellectual property rights in the Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website) are owned by or licensed by the owners and operators of this website or otherwise used by the website as permitted by law.
7.2 In accessing the Website you agree that you will access the content solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.
8. Disclaimers and Limitation of Liability
8.1 The Website is provided on an AS IS and AS AVAILABLE basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
8.2 To the extent permitted by law, the owners and operators of this website, their employees, officers, and agents will not be liable for any indirect or consequential loss or damage whatever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website.
8.3 The owners and operators of this Website make no warranty that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or anything else which may be harmful or destructive.
You agree to indemnify and hold the owners and operators of this Website and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against SmartSpending101 arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.
If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.
11. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the law of New York and you hereby submit to the exclusive jurisdiction of the courts found in the County of New York.
These terms were last updated November 21, 2014