Terms of Service
Please read these terms carefully before using SmartWallet's financial tools and services.
Last updated: January 2024
Important Notice
SmartWallet provides financial calculators and educational tools for informational purposes only. These tools do not constitute financial advice. Always consult with qualified financial professionals before making important financial decisions.
By accessing and using SmartWallet's website and tools, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
These terms apply to all visitors, users, and others who access or use our service, including but not limited to our financial calculators, educational content, and related services.
Permitted Use
You may use our financial calculators and tools for personal, non-commercial purposes. You may also share results and link to our tools, provided you do not misrepresent the source or modify the content.
Prohibited Activities
- Using our service for any unlawful purpose or to solicit unlawful activity
- Attempting to gain unauthorized access to our systems or user accounts
- Interfering with or disrupting our service or servers
- Reproducing, duplicating, or copying our tools without permission
- Using automated systems to access our service excessively
Account Responsibility
While we don't currently require user accounts, if you choose to create one in the future, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
Not Financial Advice
The information provided by SmartWallet's calculators and educational content is for informational purposes only and should not be considered as financial, investment, tax, or legal advice. We are not licensed financial advisors, accountants, or attorneys.
Accuracy of Calculations
While we strive to ensure our calculators are accurate and up-to-date, we cannot guarantee the accuracy, completeness, or reliability of any calculations or results. Financial situations are complex and individual circumstances vary significantly.
Professional Consultation
Before making any financial decisions, you should consult with qualified professionals such as financial advisors, accountants, or attorneys who can provide advice tailored to your specific situation.
Our Content
The service and its original content, features, and functionality are and will remain the exclusive property of SmartWallet and its licensors. The service is protected by copyright, trademark, and other laws.
Your Content
Any data you input into our calculators remains yours. We do not claim ownership of your financial information or calculation inputs. However, we may use anonymous, aggregated data to improve our services.
Trademarks
SmartWallet and related logos are trademarks of SmartWallet. You may not use our trademarks without our prior written consent.
Service Availability
We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We may temporarily suspend service for maintenance, updates, or due to circumstances beyond our control.
Disclaimer of Warranties
Our service is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the service will be error-free, secure, or available at all times.
Limitation of Damages
In no event shall SmartWallet be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses resulting from your use of our service.
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference. By using our service, you consent to the collection and use of information as outlined in our Privacy Policy.
We implement appropriate security measures to protect your information, but no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.
We reserve the right to modify or replace these terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.
Your continued use of our service after any changes to these terms constitutes acceptance of those changes. If you do not agree to the new terms, you should stop using our service.
These terms shall be interpreted and governed by the laws of the State of California, United States, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our service shall be resolved in the courts of San Francisco County, California.
If any provision of these terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights.
Email: legal@smartwallet.com
Address: SmartWallet Legal Department, 123 Finance Street, San Francisco, CA 94105
Phone: (555) 123-4567
Business Hours: Monday - Friday, 9:00 AM - 5:00 PM PST
Effective Date
These terms of service are effective as of January 1, 2024, and will remain in effect except with respect to any changes in their provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our terms of service at any time and you should check this page periodically.