Welcome to FinanciallySmitten.com, a website owned by Financially Smitten (“Financially Smitten,” “we,” or “us”). This website is provided for informational purposes only. Please feel free to browse the website and its various features, but be aware that your use of the website is subject to the following terms and conditions (“Terms of Use”). If you do not agree with these Terms of Use, please do not use this website. Your use of this website constitutes your agreement to be bound by, and to act in accordance with, these Terms of Use.

Financially Smitten may update the Terms of Use at any time without notice to you.  We encourage you to review the Terms of Use for updates from time to time.  Your use of the website constitutes your agreement to this Terms of Use statement and any updates.

COPYRIGHT & TRADEMARKS

All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Financially Smitten or third party suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Financially Smitten and protected by U.S. and international copyright laws.

You are welcome to browse this website and to download information for your personal use, provided you do not sell it or pass it off as your own. You must get the prior written consent of Financially Smitten for any other use you wish to make of the information on this website and/or that contained in its products. Violation of intellectual property rights may subject you to an application for injunctive relief.

All written material, code and scripts found on FinanciallySmitten.com are protected by United States Federal Copyright law, with all rights reserved. You may not, under any circumstances, reprint such material or code in any form, nor may you host it on any website, without the explicit written permission of Financially Smitten.

Financially Smitten grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Financially Smitten. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Financially Smitten. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Financially Smitten and our affiliates without express written consent. You may not use any meta tags or any other “hidden text” utilizing Financially Smitten’s name or trademarks without the express written consent of Financially Smitten. Any unauthorized use terminates the permission or license granted by Financially Smitten. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Financially Smitten so long as the link does not portray Financially Smitten, its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Financially Smitten logo or other proprietary graphic or trademark as part of the link without express written permission.

Financially Smitten™, “love your money. love your life.”™, and “Kiss Your Financial Heartache Goodbye”™ are proprietary, registered marks of Financially Smitten.  Financially Smitten’s trademarks may not be used in connection with any product or service that is not provided by Financially Smitten, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Financially Smitten.

LIMITATION OF SERVICES

The information that Financially Smitten provides to you is intended to be educational and informative. This website is not intended to provide any tax, legal, financial planning, insurance, accounting, investment, therapy, mental health counseling, or any other type of professional advice or services. None of the information and material presented to you on FinanciallySmitten.com is intended to serve as the basis for any financial decision. You agree that that you will (1) consult with an independent financial professional before making any financial or investment decisions based on information at our FinanciallySmitten.com website and in our products and services, and (2) consult with a licensed health professional if you feel you need mental health assistance of any kind.

The material provided on www.FinanciallySmitten.com and in our products and services is accurate to the best of our knowledge, as of the date or dates contained therein. Such information is drawn from sources believed to be reliable, but the accuracy and completeness of the information is not guaranteed, nor in providing it does Financially Smitten assume any liability. Although we attempt to be current and updated with the information we present, Financially Smitten recommends that you verify the status of any of our information before taking action.

The Financially Smitten website contains content provided by third parties, including without limitation, articles, blog posts and blog comments.  Any third party content is the responsibility and work of its respective provider and not of Finanially Smitten.  Financially Smitten does not guarantee the accuracy, completeness, or reliability of any opinion, advice or statement made in third party content.  If you choose to rely on any opinion, advice or statement in any such content, you agree that you do so at your own risk.

By choosing to view the FinanciallySmitten.com website, you acknowledge that you have read and understood this disclaimer notice.

NO PERSONAL ADVICE

This website and its content (including any information provided by users) is for informational and entertainment purposes only and is not intended to replace or substitute for any professional financial, medical, legal, or other advice. In addition to the “Limitation of Services” section above, Financially Smitten makes no representations or warranties and expressly disclaims any and all liability concerning any treatment or action by any person following the information offered or provided within or through the website. If you have specific concerns or a situation in which you require professional or medical advice, you should consult with an appropriately trained and qualified specialist.

LINKS TO OTHER SITES

FinanciallySmitten.com provides links to the sites of other people, companies, and agencies. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any of these businesses or individuals or the content of their Web sites. Financially Smitten does not assume any responsibility or liability for the actions, product, and content of all these and any other third parties. We take no responsibility for, and have no control over, whatever may appear on these “third-party” sites, nor do we make any promises or guarantees regarding the information contained on those sites. You should carefully review their privacy statements and other conditions of use. The links to other sites are provided for your enjoyment and information purposes solely.

DISCLAIMER OF WARRANTY AND LIABILITY

This site is provided “as is” and “as available” without warranties of any kind, express, implied, or statutory, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, non-infringement, or title. Financially Smitten does not warranty the correctness, completeness, or accuracy of the information contained on the site, nor does Financially Smitten guarantee that this site will be error-free, continuously available or free of viruses or other harmful components.

You agree that your use of this site is at your sole risk.  You understand that you are solely responsible for any damage to your computer system or loss of data that results from any material or information downloaded from or otherwise provided through the site.

Under no circumstances shall Financially Smitten or its third-party service providers be liable to you or anyone else for any damages of any kind, whether direct, indirect, consequential, incidental, punitive or otherwise, arising out of or relating to your use of the site, even if Financially Smitten has been advised of the possibility of such damages.

COMMERCIAL USE

You acknowledge and agree that the website is for your personal use only and may not be used by you directly or indirectly in connection with any commercial endeavors.

JURISDICTION

This Site is controlled and operated by Financially Smitten from its headquarters in New York, NY. This Terms of Use Agreement shall be governed by the laws of the State of New York, as it is applied to agreements entered into and performed within that state. By using this site, you agree to submit to the exclusive jurisdiction of the appropriate state and federal courts located in the State of New York with respect to claims you may have under these Terms of Use.

ENTIRE AGREEMENT/ACCEPTANCE

These Terms of Use constitute the entire agreement between you and Financially Smitten with respect to use of and access to the website. Financially Smitten’s failure to enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. In the event any portion of these Terms of Use is found to be invalid or unenforceable for any reason, such invalidity or unenforceability shall not affect the validity or enforceability of any other portion of the Terms of Use and the other provisions of these Terms of Use shall remain in full force and effect.

Your use of the website constitutes your acceptance of these Terms of Use. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and lack of signing or other form of electronic execution by the parties hereto. You agree to abide by the terms and conditions of these Terms of Use and any additional terms, conditions, or rules imposed by Financially Smitten or third party content providers in connection with third party content, software or services.