{"id":36341,"date":"2024-02-08T15:41:19","date_gmt":"2024-02-08T20:41:19","guid":{"rendered":"https:\/\/www.moneysmartguides.com\/?page_id=36341"},"modified":"2024-03-11T12:35:35","modified_gmt":"2024-03-11T16:35:35","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/www.moneysmartguides.com\/terms-and-conditions","title":{"rendered":"Terms And Conditions"},"content":{"rendered":"

The following terms (\u201cTerms of Use\u201d) 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 (\u201cWebsite\u201d), located at https:\/\/www.moneysmartguides.com\/<\/a>.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

Disclosure<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

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to present accurate information, it may not be appropriate for your specific circumstances and information may become outdated over time.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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

Rights Related to Your Personal Information<\/h2>\n\n\n\n

Opt-out<\/strong> \u2013 You may opt-out of future email communications by following the unsubscribe links in our emails. You may also notify us here<\/a> to be removed from our mailing list.<\/p>\n\n\n\n

Access<\/strong> \u2013 You may access the personal information we have about you by submitting a request here<\/a>.<\/p>\n\n\n\n

Amend<\/strong> \u2013 You may contact us here<\/a> to amend or update your personal information.<\/p>\n\n\n\n

Forget<\/strong> \u2013 In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request here<\/a>.<\/p>\n\n\n\n

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

Sensitive Personal Information<\/h2>\n\n\n\n

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<\/a>.<\/p>\n\n\n\n

Children’s Information<\/h2>\n\n\n\n

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<\/a>. We will use our best efforts to promptly remove such information from our records.<\/p>\n\n\n\n

Affiliate Marketing<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

FTC Disclosure<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

General Disclaimer<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

Financial Information Disclaimer<\/h2>\n\n\n\n

Money Smart Guides is not a professional financial advisor. Nothing presented on the Website creates a professional relationship between you and  Money Smart Guides.<\/p>\n\n\n\n

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 \u201cas is\u201d 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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

Your Responsibility<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

Use of the Website<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

The following uses are not permitted:<\/p>\n\n\n\n