Terms of Use

The terms “us”, “we”, and “our” refer to Smartfinancialways.com, the owner of this Website domain. A “Visitor” is someone who merely browses our Website. A “Member” is someone who has registered with our Website to use our Services. The term “User” is a collective identifier that refers to either a Visitor or a Member. The term “Product” refers to any products we sell or give away.

All text, information, graphics, design, links, and data offered through our Website or Services, whether produced by our Members or by us, are collectively known as our “Content”. “Member” refers to registered users of the Website. We distinguish content posted by our Members as “Member Content”.

Smartfinancialways.com grants you a limited, nonexclusive, nontransferable, revocable license to access and use our Website and Services strictly in accordance with this Agreement. Your use of our Website and Services is solely for internal, personal, noncommercial purposes unless otherwise provided for in this Agreement. No printout or electronic version of any part of our Website or Services may be used by you in any litigation or arbitration matter whatsoever under any circumstances. This license is subject to these Terms of Use and does not include: (a) Modifying or copying Website materials (b) Using content for commercial purposes (c) Removing any copyright or proprietary notations (d) Transferring materials to another person or “mirroring” materials on any other server.

This Agreement in no way creates any agency, any type of partnership, any type of joint venture, or employee-employer or franchisor-franchisee relationship between you and the Smartfinancialways.com.

All content on this Website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is our property or the property of our content suppliers and is protected by international copyright laws. The compilation of all content on this Website is our exclusive property and is protected by international copyright laws. Your use of our Website or Services does not constitute any right or license for you to use our service marks or logos or trademarks without the prior written permission of Smartfinancialways.com.

Our Content, as found within our Website and Services, is protected under United States and foreign copyrights. The copying, redistribution, use, or publication by you of any such Content is strictly prohibited. Your use of our Website and Services does not grant you any ownership rights to our Content.

To use our Services, you must register with our Website to become a Member. Your Membership is not transferable or assignable to another person and is void where prohibited. Our Website and Services are intended solely for Users who are at least (18) years of age or older. Any registration by, use of, or access to our Website by anyone under that age is unauthorized, unlicensed, and in violation of these Terms of Use. By using our Website and/or Services, you represent and warrant that you are (18) years of age or older and agree to abide by all the terms and conditions of this Agreement. Smartfinancialways.com has sole right and discretion to determine whether to accept a Member, and may reject a Member’s registration with or without explanation.

When you complete the registration process, you will receive a password that will allow you to access our Website and Services. You agree to maintain the confidentiality of your password information at all times and are fully responsible for all liability and damages resulting from your failure to maintain that confidentiality as well as all activities that occur through the use of your password.

Notify us of any unauthorized use of your password or any other breach of security. You agree that our Website cannot and will not be liable for any loss or damage arising from your failure to comply with password security as discussed herein.

Any dispute arising from these Terms of Use or your use of the Website shall be resolved through binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim will be arbitrated on an individual basis, and will not be consolidated in any arbitration with any claim or controversy of any other party.

In case of a Judgment on the arbitration award may be entered into any court having jurisdiction thereof. You or we may seek any interim or preliminary relief from a court of competent jurisdiction necessary to protect our or your rights or property pending the completion of arbitration. Each party will bear half the arbitration fees and costs.

We do not represent or otherwise warrant that our Website and Services will be error-free or free from viruses or other harmful components, or that we will correct any errors.

Smartfinancialways.com reserves the right at our sole discretion (a) to change any content, software, and other items used or contained in our Website or Services at any time without notice (b) Modify or discontinue all or part of the Website without notice (c) Correct any errors, inaccuracies, or omissions.

You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of our Website, Content, Services, and any software provided therein.

Your use of the Website is also governed by our Privacy Policy. Please review our Privacy Policy, which is incorporated into these Terms of Use by reference.

We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from: (a) Your use or inability to use the Website (b) Unauthorized access to or alteration of your transmissions or data (c) Statements or conduct of any third party on the Website (d) Any other matter relating to the Website.

Members may post their content to our Website through our Services (Member Content). Members and Visitors understand that by using our Website, they may be exposed to content that is offensive, indecent, or objectionable. We have no control over Member Content and do not in any way guarantee its quality, accuracy, or integrity. Our Company is not responsible for the monitoring or filtering of any Member Content. Should any Member Content be found illegal, Our Company (Smartfinancialways.com) will submit all necessary information to relevant authorities. Members agree to: (a) Use the Website for lawful purposes only (b) Not post defamatory, harmful, or offensive content (c) Not interfere with other users’ use of the Website (d) Not attempt to gain unauthorized access to any portion of the Website (e) Not collect or harvest any information about other users (f) Not upload malicious code or attack the Website.

You warrant that you will not use our Services to infringe on the intellectual property rights of others in any way. In accordance with the DMCA and other applicable law, we have adopted a policy of terminating Members whom we deem, in our sole discretion, to be infringers of others’ intellectual property rights.

You grant Smartfinancialways.com a license to use the information and materials you post to our Website. By posting, displaying, transmitting, performing, or otherwise distributing information or other content (“Member Content”) to our Website, you are granting Smartfinancialways.com, its officers, directors, employees, agents, consultants, representatives, and affiliates, a license to use the Member Content in connection with the operation of the business of Smartfinancialways.com, its directors, employees, officers, affiliates, representatives, consultants, and agents, including, without limitation, a right to distribute, copy, transmit, publicly display, reproduce, translate, edit, and reformat Member Content. You understand and agree that you will not be compensated for any Member Content.

Our Website may contain links to third-party websites. These links are provided solely for your convenience. We do not endorse or have control over the content of linked sites and are not responsible for any damages resulting from their use. Smartfinancialways.com has no control over the legal documents and privacy practices of third-party websites; you access any third-party websites at your own risk.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.

We reserve the right to investigate complaints or reported violations of our Terms of Use and take any action we deem appropriate, including reporting any suspected unlawful activity to law enforcement officials.

We may terminate or suspend your account and bar access to the Website immediately, without prior notice or liability, for any reason, including breach of Terms of Use.

We reserve the right to update or modify these Terms of Use at any time without prior notice. Changes will be effective immediately upon posting to the Website. Your continued use of the Website following the posting of changes constitutes your acceptance of such changes. If you do not agree with the changes to these Terms of Use, you can choose to discontinue the use of our Website, Services, and Products.

This Agreement is between you and Smartfinancialways.com.

Except as otherwise noted, this Agreement constitutes the entire and only Agreement between you and Smartfinancialways.com and will always supersedes all other Agreements, representations, warranties, and understandings with respect to our Website, Services, and the subject matter contained herein. However, for you to use our Website and/or Services, you may also be required to agree to additional terms of use and conditions. Those additional terms of use will be incorporated into this Agreement unless otherwise stated.

By using this Website, you signify your acceptance of this Terms of Use Agreement. If you do not agree to these terms, please do not use our Website. Your continued use of the Website following the posting of changes to these terms will be deemed your acceptance of those changes.

For questions about these Terms of Use, please contact us at webmaster@smartfinancialways.com.