TERMS OF SERVICE

Welcome to CashSmartGuide. By accessing or using our website at cashsmartguide.com (the "Website"), you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, please do not use our Website.

We reserve the right to change these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Website after changes are posted means you accept the new Terms.

Who Can Use This Website

Our Website is intended for users who are at least 13 years old. If you are under 18, you should use this Website with the guidance of a parent or guardian. By using our Website, you represent that you meet these age requirements.

Acceptable Use

You agree to use our Website only for lawful purposes. You may not use our Website:

• In any way that violates any applicable federal, state, local, or international law
• To transmit or distribute any harmful code, viruses, or malware
• To attempt to gain unauthorized access to our systems or networks
• To interfere with or disrupt the Website or servers
• To collect or harvest information about other users without their consent
• To impersonate another person or entity
• To harass, abuse, or harm another person

We are not licensed financial advisors, certified public accountants, investment professionals, or attorneys. The content on our Website represents general information and educational materials designed to help users understand basic financial concepts.

You should not rely solely on information from our Website to make financial decisions. Every person's financial situation is unique, and what works for one person may not work for another.

Before making any significant financial decisions, we strongly recommend consulting with qualified professionals such as:

• Licensed financial advisors or planners
• Certified public accountants (CPAs)
• Tax professionals
• Estate planning attorneys
• Investment advisors

We strive to provide accurate and helpful information, but we make no guarantees about the accuracy, completeness, or reliability of any content on our Website.

Financial markets, tax laws, and regulations change frequently. While we try to keep our content up-to-date, some information may become outdated. You are responsible for verifying any information before acting on it.

We do not guarantee any specific financial results from using information on our Website. Past performance is not indicative of future results. Any investment carries risk, including the potential loss of principal.

All content on CashSmartGuide, including text, graphics, logos, images, and articles, is the property of CashSmartGuide or its content creators and is protected by copyright and other intellectual property laws.

What You Can Do

• Read and learn from our articles for personal use
• Share links to our articles on social media or your website
• Print articles for personal, non-commercial use

What You Cannot Do

• Copy, reproduce, or republish our content on another website without permission
• Use our content for commercial purposes without authorization
• Modify or create derivative works from our content
• Remove copyright notices or attributions from our content
• Use automated tools to scrape or copy content from our Website

If you would like to use our content in ways not permitted above, please contact us to request permission.

Our Website may contain links to third-party websites, products, or services that are not owned or controlled by CashSmartGuide. We provide these links for your convenience, but we do not endorse or assume responsibility for any third-party sites or services.

When you click on third-party links, you leave our Website and are subject to the terms and privacy policies of those other sites. We strongly advise you to review the terms and policies of any website you visit.

We are not responsible for the content, accuracy, or practices of third-party websites, and we will not be liable for any loss or damage arising from your use of them.

If we enable features such as comments, forums, or user submissions in the future, the following rules will apply:

• You are responsible for any content you post or submit
• You grant us a non-exclusive, royalty-free license to use, display, and distribute your contributions
• You must not post content that is illegal, offensive, defamatory, or infringes on others' rights
• We reserve the right to remove any content that violates these Terms
• We are not responsible for content posted by users

To the fullest extent permitted by law, CashSmartGuide and its owners, operators, and contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Website or any information obtained from it.

This includes, but is not limited to, financial losses, lost profits, loss of data, or any other damages resulting from:

• Your use or inability to use our Website
• Any errors or omissions in our content
• Any financial decisions you make based on information from our Website
• Unauthorized access to our servers or your personal information
• Any interruption or cessation of our Website

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.

Our Website is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied.

We do not warrant that:

• The Website will be available at all times or uninterrupted
• The Website will be free of errors, viruses, or other harmful components
• The information on the Website is accurate, complete, or current
• Any defects in the Website will be corrected

You use our Website at your own risk. We recommend backing up any important information and using antivirus software when browsing the internet.

You agree to defend, indemnify, and hold harmless CashSmartGuide, its owners, operators, contributors, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Any content you post or submit to the Website

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Website shall be resolved in the courts of the jurisdiction where CashSmartGuide is located. You consent to the personal jurisdiction of such courts.

We reserve the right to terminate or suspend your access to our Website at any time, without notice, for any reason, including if we believe you have violated these Terms.

Upon termination, your right to use the Website will immediately cease. The provisions of these Terms that by their nature should survive termination (including disclaimers, limitations of liability, and indemnification) will remain in effect.

If any provision of these Terms is found to be unenforceable or invalid by a court of law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CashSmartGuide regarding your use of the Website and supersede any prior agreements.

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