Legal Terms and Disclaimers

Disclaimer of Professional Advice

The content, materials, tools, calculators, articles, guides, and resources (collectively "Content") provided on "The Smart Money Guide" website and related platforms are made available for general informational and educational purposes only. This Content is not intended to constitute or substitute for professional financial, investment, tax, legal, or accounting advice.

We strongly encourage visitors to consult with qualified and licensed professionals, including but not limited to certified financial planners, accountants, attorneys, or tax advisors before making any financial decisions or implementing any financial strategies discussed on this website. Financial decisions should take into account your specific circumstances, goals, and risk tolerance.

Third-Party Information

Product and Service Information

The Smart Money Guide frequently references products, offers, services, rates, promotions, and information from third-party websites and financial institutions. Please be advised that:

1. Such information is subject to change without notice and may vary significantly over time

2. We make reasonable efforts to maintain accurate and current information, but we cannot guarantee complete accuracy or timeliness of all Content

3. There may be discrepancies between the information presented on The Smart Money Guide and information presented on referenced third-party sites

4. Actual terms, rates, and availability of financial products are subject to change based on various factors including but not limited to creditworthiness, location, and current promotions

Links to External Websites

The Smart Money Guide may contain links to external websites that are not controlled by or affiliated with us. We are not responsible for the content, privacy policies, or practices of any third-party websites. The inclusion of any link does not imply endorsement by The Smart Money Guide. Users access such links at their own risk.

Credit Card and Financial Product Reviews

Independent Reviews

Our reviews, comparisons, and discussions of credit cards, banking products, investment platforms, loan services, and other financial products have not been reviewed, approved, or endorsed by the issuing entities, including any bank, credit card issuer, hotel chain, financial institution, or other entity mentioned within our Content.

Accuracy and Independence

1. All reviews and articles are researched and written independently by our content team

2. The views, opinions, and recommendations expressed on The Smart Money Guide are solely those of the authors and do not represent those of any referenced institutions

3. We strive to provide accurate, fair, and comprehensive reviews based on information available at the time of writing

4. Our content team regularly updates articles, but there may be periods when information is not current

Compensation Disclosure

The Smart Money Guide may receive compensation from third parties for featuring certain products or services. This compensation may influence which products we write about and where those products appear on the site, but it does not affect our recommendations or advice, which are based on independent research. We disclose relationships with providers when applicable.

User Responsibility

Verification Requirement

Users are strongly encouraged to independently verify all information and recommendations before:

1. Committing to any financial decision

2. Applying for any financial product or service

3. Implementing any strategy discussed on this website

4. Making changes to their financial portfolio or plans

Risk Acknowledgment

All financial activities involve risk, including the potential loss of principal. Past performance is not indicative of future results. Users acknowledge that they assume full responsibility for their financial decisions and recognize that The Smart Money Guide cannot be held liable for any losses or damages resulting from the use of information provided on this website.

Intellectual Property

All Content published on The Smart Money Guide, including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of The Smart Money Guide or its content suppliers and is protected by international copyright laws.

Privacy Policy and Terms of Use

Users are encouraged to review our separate Privacy Policy and Terms of Use documents, which contain important information about how we collect, use, and protect user information, as well as additional terms governing the use of our website.

Modifications to Legal Terms

The Smart Money Guide reserves the right to modify these legal terms at any time without prior notice. Continued use of the website following any changes constitutes acceptance of the revised terms.

Contact Information

If you have any questions regarding these legal terms or the practices of this website, please contact us through the designated channels provided on our Contact page.

Last Updated: March 17, 2025...

The Smart Money Guide