Effective Date: April 17, 2025
1. Eligibility
Use of this Website is intended only for individuals who are 18 years of age or older. By using this Website, you represent and warrant that you are at least 18 years old.
2. Intellectual Property
All content and materials published on this Website, including but not limited to graphics, text, logos, icons, and images, are the property of SmartSeniorSpending or its content suppliers and are protected by applicable copyright and trademark laws. You may view and interact with the site for personal use only. No material may be reproduced, distributed, or repurposed without express written permission.
3. Prohibited Uses
You agree not to use this Website in a manner that violates any applicable law, harms minors, involves unauthorized data scraping, interferes with the Website’s operation, or promotes unlawful activity.
4. User Contributions
If you post or upload content to the Website, you grant SmartSeniorSpending a non-exclusive, royalty-free, perpetual, and worldwide license to use, modify, and publish that content. You represent that you have the rights to share such content.
5. Disclaimer
This Website and its contents are provided ‘as is’ without warranty of any kind, either express or implied. We do not guarantee the accuracy, reliability, or completeness of any information displayed.
6. Limitation of Liability
To the fullest extent permitted by law, SmartSeniorSpending and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this Website.
7. Indemnification
You agree to indemnify and hold harmless SmartSeniorSpending from any claims or liabilities resulting from your use of the Website or violation of these Terms.
8. Changes and Modifications
We reserve the right to update or modify these Terms at any time. Updates will be posted on this page.
9. Governing Law
These Terms shall be governed by the laws of the State of Florida. Any disputes shall be handled in its state or federal courts.
10. Arbitration and Waiver of Class Actions
Any dispute or claim relating in any way to your use of this Website, including any transactions, communications, or alleged violations of these Terms, will be resolved by binding arbitration, rather than in court, except that you may assert qualifying claims in small claims court.
The arbitration will be conducted by a single arbitrator under the rules of the American Arbitration Association (AAA). The arbitration may take place in a mutually agreed-upon location, or remotely via video conference or telephone, at the discretion of the arbitrator.
You and SmartSeniorSpending waive any right to a jury trial or to participate in a class action. You agree that any claims must be brought individually and not as part of any class, consolidated, or representative action.
This agreement to arbitrate is governed by the Federal Arbitration Act and applies regardless of the legal basis of the claim or whether the claim arises during or after termination of your use of the Website.