1. Agreement to Terms

1.1 Terms and Conditions Agreement
These Terms and Conditions constitute a legally binding agreement between you (whether as an individual or on behalf of an entity) and SmartInvestar.com, concerning your access to and use of the SmartInvestar.com website. The website provides online financial and investment education and services. By accessing the Site and/or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to all of these Terms and Conditions, you are prohibited from using the Site and Services and must discontinue use immediately. We recommend that you print a copy of these Terms and Conditions for future reference.

1.2 Supplemental Policies
Supplemental policies referenced in Section 1.7, as well as any additional terms and conditions or documents that may be posted on the Site from time to time, are incorporated by reference into these Terms and Conditions.

1.3 Changes to Terms and Conditions
We reserve the right to modify these Terms and Conditions at any time. Any changes will be indicated by an updated “Revised” date, and the updated version will be effective as soon as it is accessible. You are responsible for regularly reviewing these Terms and Conditions to stay informed of updates. Your continued use of the Site constitutes acceptance of such changes.

1.4 Site Modifications
We may update or change the Site periodically to reflect changes in our products, users’ needs, and business priorities.

1.5 Geographic Use Restrictions
Our Site is intended for users residing in specific regions. Information on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country.

1.6 Age Restriction
The Site is intended for users who are at least 18 years old. If you are under the age of 18, you are not permitted to register for the Site or use the Services without parental permission.

1.7 Additional Policies
Additional policies applicable to your use of the Site include:

  • Our Privacy Notice (https://SmartInvestar.com/privacy), which outlines how we process any personal data we collect from you or that you provide to us. By using the Site, you consent to such processing and warrant that all data provided by you is accurate.
  1. Acceptable Use

2.1 Permitted Use
You may only use the Site for purposes for which it is intended. The Site cannot be used in connection with any commercial endeavors except those specifically endorsed or approved by us.

2.2 User Restrictions
As a user of this Site, you agree not to falsely imply a relationship with us or any other company with which you do not have a relationship.

  1. Information You Provide to Us

3.1 User Representations
You represent and warrant that:

  • All registration information you submit will be true, accurate, current, and complete and relate to you and not a third party.
  • You will maintain the accuracy of such information and promptly update it as necessary.
  • You will keep your password confidential and be responsible for all use of your password and account.
  • You have the legal capacity to comply with these Terms and Conditions.
  • You are not a minor in your jurisdiction, or if a minor, you have received parental permission to use the Site.

If you know or suspect that anyone other than you knows your user information or password, you must promptly notify us.

3.2 Inaccurate Information
If you provide any information that is untrue, inaccurate, not current, or incomplete, we may suspend or terminate your account. We may also remove or change a username you select if we determine that it is inappropriate.

  1. Our Content

4.1 Ownership of Content
Unless otherwise indicated, the Site and Services, including source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics (Our Content) are owned or licensed by us and are protected by copyright and trademark laws.

4.2 Restrictions on Use
No part of the Site, Services, or Our Content may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose without our express prior written permission.

4.3 Limited License
Provided you are eligible to use the Site, you are granted a limited license to access and use the Site and Our Content and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use.

4.4 Unauthorized Access and Modifications
You shall not attempt to gain unauthorized access to the Site or any networks, servers, or computer systems connected to the Site. You shall not make modifications, adaptations, additions, or enhancements to the Site or Our Content, including modifications of the paper or digital copies you may have downloaded.

4.5 Site Preparation
We shall prepare the Site and Our Content with reasonable skill and care and use industry-standard virus detection software to try to block the uploading of content to the Site that contains viruses.

4.6 Informational Purposes
The content on the Site is provided for general information only. It is not intended to constitute advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from taking, any action based on the content on the Site.

4.7 Content Accuracy
Although we make reasonable efforts to update the information on our Site, we make no representations, warranties, or guarantees, whether expressed or implied, that Our Content on the Site is accurate, complete, or up to date.

5 Site Management

5.1 Monitoring and Enforcement
We reserve the right to:

  • Monitor the Site for breaches of these Terms and Conditions.
  • Take appropriate legal action against anyone in breach of applicable laws or these Terms and Conditions.
  • Remove or disable all files and content that are excessive in size or burden our systems.
  • Otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site and Services.

5.2 Security
We do not guarantee that the Site will be secure or free from bugs or viruses.

5.3 User Responsibilities
You are responsible for configuring your information technology, computer programs, and platform to access the Site, and you should use your own virus protection software.

  1. Modifications to and Availability of the Site

6.1 Content Changes
We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Services without notice at any time.

6.2 Availability
We cannot guarantee the Site and Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance on the Site, resulting in interruptions, delays, or errors. You agree that we have no liability for any loss, damage, or inconvenience caused by your inability to access or use the Site or Services during any downtime or discontinuance. We are not obligated to maintain and support the Site or Services or to supply any corrections, updates, or releases.

6.3 Errors and Inaccuracies
There may be information on the Site that contains typographical errors, inaccuracies, or omissions that may relate to the Services, including descriptions, pricing, availability, and other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information at any time without prior notice.

  1. Disclaimer and Limitation of Liability

7.1 Site and Services
The Site and Services are provided on an as-is and as-available basis. You agree that your use of the Site and Services will be at your sole risk except as expressly set out in these Terms and Conditions. All warranties, terms, conditions, and undertakings, express or implied (including by statute, custom or usage, a course of dealing, or common law) in connection with the Site and Services and your use thereof, including, without limitation, the implied warranties of satisfactory quality, fitness for a particular purpose, and non-infringement, are excluded to the fullest extent permitted by applicable law.

We make no warranties or representations about the accuracy or completeness of the Site’s content and are not liable for any:

  • Errors or omissions in content.
  • Unauthorized access to or use of our servers and/or any personal information and/or financial information stored on our server.
  • Interruption or cessation of transmission to or from the site or services.
  • Bugs, viruses, Trojan horses, or the like which may be transmitted to or through the site by any third party. We will not be responsible for any delay or failure to comply with our obligations under these Terms and Conditions if such delay or failure is caused by an event beyond our reasonable control.

7.2 Limitation of Liability
To the fullest extent permitted by law, we will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • Use of, or inability to use, our site or services.
  • Use of or reliance on any content displayed on our site.
    In particular, we will not be liable for:
  • Loss of profits, sales, business, or revenue.
  • Business interruption.
  • Loss of anticipated savings.
  • Loss of business opportunity, goodwill, or reputation.
  • Any indirect or consequential loss or damage.
  1. Term and Termination

8.1 Agreement Duration
These Terms and Conditions shall remain in full force and effect while you use the Site or Services or are otherwise a user of the Site.

8.2 Termination
We may terminate or suspend your access to the Site at any time without notice, with or without cause, including but not limited to any breach of these Terms and Conditions. Upon termination, your right to use the Site will immediately cease.

  1. General

9.1 Governing Law
These Terms and Conditions and your use of the Site and Services are governed by and construed in accordance with the laws of The United States of America. You agree that any dispute related to these Terms and Conditions will be resolved in the courts of The United States of America.

9.2 Severability
If any provision of these Terms and Conditions is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions.

9.3 Waiver
No waiver of any term or condition set forth in these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure to assert a right or provision under these Terms and Conditions shall not constitute a waiver of such right or provision.

9.4 Entire Agreement
These Terms and Conditions, including our Privacy Notice and any other legal notices published by us on the Site, constitute the entire agreement between you and us regarding your use of the Site. They supersede all prior agreements and understandings, whether written or oral, relating to your use of the Site and Services.

For any questions or concerns about these Terms and Conditions, please contact us at support@SmartInvestar.com.

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