Welcome to SmaartMoney!
By accessing and using www.smaartmoney.com ("Website"), you agree to comply with and be bound by the following Terms and Conditions ("Terms").
If you do not agree to these Terms, please do not use our Website.

1. About SmaartMoney

SmaartMoney is a finance educational platform created solely for educational purposes.
We do not provide financial advice, investment recommendations, or any form of personalized financial services.
All content provided on SmaartMoney is general information intended to enhance financial literacy.

2. Acceptance of Terms

By using this Website, you represent that you:

• Are at least 18 years of age.
• Have read, understood, and agreed to be legally bound by these Terms.
• Will use the Website only for lawful purposes and in accordance with these Terms.

3. Educational Content Only

The content provided by SmaartMoney — including articles, videos, courses, webinars, and other materials — is for informational and educational purposes only.

Important:

• No Investment Advice: Nothing on this Website constitutes financial, investment, tax, or legal advice.
• Independent Research: Always conduct your own research and consult a qualified financial advisor before making any financial decisions.

4. Intellectual Property Rights

All content available on SmaartMoney, including text, graphics, logos, videos, course materials, and images, is the property of SmaartMoney or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You agree not to:

• Reproduce, distribute, or publicly display any content without written permission.
• Modify, copy, or create derivative works based on SmaartMoney’s content.

5. User Conduct

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

• Engage in any unauthorized use or access of the Website.
• Distribute harmful or malicious content (e.g., viruses, malware).
• Harass, abuse, or harm other users.
• Use the Website to promote or carry out illegal activities.

6. Disclaimer of Warranties

SmaartMoney provides educational content "as is" without warranties of any kind, either express or implied.

We make no representations or warranties about:

• The accuracy, reliability, or completeness of the content.
• The suitability of the information for your specific needs.
• That the Website will be error-free, secure, or continuously available.

You use the Website at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, SmaartMoney shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with:

• Your use of or inability to use the Website.
• Any reliance placed by you on the educational content.
• Any errors, omissions, interruptions, or delays.

8. Third-Party Links

Our Website may contain links to third-party websites or resources.
We are not responsible for the availability, content, or practices of any third-party websites.

Accessing such third-party sites is at your own risk, and you should review their terms and policies separately.

9. Modifications to Terms

We reserve the right to modify these Terms at any time without prior notice.
Changes will become effective immediately upon posting to the Website.
It is your responsibility to review these Terms periodically. Your continued use of the Website constitutes your acceptance of any modifications.

10. Termination

We reserve the right, at our sole discretion, to suspend or terminate your access to the Website without notice if you violate these Terms or engage in any behavior that we deem inappropriate or harmful.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Insert State/Country], without regard to its conflict of law principles.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in [Insert State/Country].

12. Contact Information

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

📧 Email: cloud_oracle@yahoo.com

Reminder

SmaartMoney is a finance education portal, not a financial advisory service.
Always seek advice from licensed financial advisors for your personal investment needs.