Welcome to Smuosch, located at https://smuosch.com/. Before you use our website and access any of the information, tools, or resources we provide, please take time to read this disclaimer carefully. By visiting and using Smuosch, you are agreeing to accept all the terms outlined in this disclaimer. If you do not agree with any part of this disclaimer, we kindly ask that you stop using our website immediately. This disclaimer explains important legal information about how our website operates, what responsibilities we have, what responsibilities you have, and what limitations exist regarding the information we provide.
General Information Purposes
Everything you find on Smuosch is meant for general information purposes only. We work hard to provide helpful content about financial advice for grandparents, financial planning for immigrants, and current trends that affect people’s lives. However, our content should be understood as educational and informational rather than as professional advice tailored to your specific situation.
The Company that operates Smuosch does not take responsibility for any errors or mistakes that might appear in the content we publish. We are human, and despite our best efforts to research thoroughly and present accurate information, errors can slip through. We do not claim that everything on our website is perfect or complete. You should use the information here as a starting point for your own research rather than as the final word on any topic.
Financial situations vary greatly from person to person. What works well for one family might not work for another. What applies in one state or country might not apply in another. What was true last year might have changed due to new laws or regulations. Because of this complexity, we cannot guarantee that the information on Smuosch perfectly matches your specific circumstances or needs.
Limitation Of Liability
This is an important section that explains what the Company is and is not responsible for when you use Smuosch. In no situation shall the Company be held liable for any special, direct, indirect, consequential, or incidental damages or any damages of any kind. This applies whether these damages come from an action of contract, negligence, or any other legal theory. It also applies whether the damages arise out of or connect with your use of Smuosch or the contents you find on Smuosch.
To put this in simpler terms, if you make a financial decision based on information you read on Smuosch and that decision does not work out well for you, the Company cannot be held responsible for your losses or problems. If you experience any kind of harm, whether financial, emotional, or otherwise, because of your use of our website, the Company is not liable for that harm.
We provide information in good faith and with the intention of being helpful. However, we cannot control how you use that information or what decisions you make based on it. The responsibility for your financial decisions rests with you. This might seem harsh, but it is a necessary legal protection that allows us to continue providing free information to the public without taking on unlimited liability for every possible outcome.
Right To Make Changes
Smuosch is not a static website that remains exactly the same forever. The Company reserves the complete right to make additions, deletions, or modifications to any content on Smuosch at any time without giving you prior notice. We might update articles to reflect new information, remove outdated content, add new sections, reorganize pages, or change any aspect of the website as we see fit.
This means that information you read today might be different if you return to the same page next week or next month. We might discover errors that need correcting, learn about new developments that require updates, or simply decide to improve how we present information. When we make these changes, we do not send notifications to everyone who has previously read that content.
Because content can change without warning, you should not rely on having saved or printed versions of our content as permanently accurate. If you need current information, you should always check the live version on our website rather than depending on older copies you might have saved.
Website Security And Harmful Components
The Company does not provide any warranty or guarantee that Smuosch is completely free of viruses, malware, or other harmful components. We take reasonable precautions to maintain website security and protect against threats, but we cannot guarantee that our website is entirely safe from all possible security risks.
The internet is a complex environment where new threats emerge constantly. Despite security measures, no website can be 100% secure all the time. By using Smuosch, you accept that there is some level of risk involved in accessing any website, and you agree to take your own precautions to protect your devices and information.
We recommend that you use updated antivirus software, keep your operating system and browsers current with the latest security patches, and practice safe browsing habits. These precautions help protect you not just on Smuosch but across all your internet activities.
Affiliate Links Disclosure
Smuosch contains affiliate links throughout our content. This means that when you click on certain links on our website and make a purchase or sign up for a service, the Company may receive a commission or payment from the company whose product or service you purchased. These affiliate relationships help support our website and allow us to continue providing free content to our readers.
We want to be completely transparent about this. The presence of affiliate links does not change the price you pay for products or services. You pay the same amount whether you use our affiliate link or go directly to the company’s website yourself. The commission comes from the company selling the product, not from your pocket.
We only include affiliate links for products, services, or resources that we believe could genuinely help our readers. However, you should understand that our financial relationship with these companies could potentially influence which products we mention or how we present information about them. We strive to remain honest and balanced, but this potential conflict of interest exists, and you deserve to know about it.
Before making any purchase through an affiliate link on Smuosch, do your own research. Read reviews from multiple sources, compare options, and make sure the product or service truly fits your needs. Our recommendation is not a substitute for your own careful evaluation.
Display Advertisements And Google Ads
Smuosch displays advertisements, including ads from Google Ads and potentially other advertising networks. These advertisements help generate revenue that supports the operation and maintenance of our website. The ads you see might be based on various factors including the content you are reading, your browsing history, or your general location.
The Company does not have complete control over which specific ads appear on Smuosch. Ad networks use automated systems to determine which advertisements to display to which visitors. This means that sometimes you might see ads that are not perfectly relevant to your interests or that we would not have specifically chosen to display.
The appearance of an advertisement on Smuosch does not constitute an endorsement of that product, service, or company by the Company. We do not verify or vouch for the advertisers who place ads on our website through advertising networks. You interact with these advertisers at your own risk, and any transactions you make with them are between you and the advertiser.
If you click on an advertisement and visit the advertiser’s website, you are leaving Smuosch and entering a different website with its own terms, policies, and practices. The Company has no responsibility for what happens on those external websites or for the quality, safety, or legitimacy of the products or services advertised.
Cookie Usage
Smuosch uses cookies. Cookies are small pieces of data that websites store on your device to remember information about you and your preferences. These cookies help improve your experience on our website and help us understand how visitors use Smuosch.
Cookies on Smuosch might be used for various purposes including remembering your preferences, analyzing website traffic, delivering targeted advertisements, and improving website functionality. Some cookies are essential for the website to work properly, while others provide enhanced features or help us improve our services.
Third parties, including advertising networks and analytics services, may also place cookies on your device when you visit Smuosch. These third-party cookies are governed by those companies’ privacy policies, not by our policies. We do not have complete control over third-party cookies or how those companies use the information they collect.
Most web browsers allow you to control cookies through their settings. You can typically choose to block cookies, delete existing cookies, or receive notifications when cookies are being set. However, if you disable cookies, some features of Smuosch might not work properly, and your user experience might be affected.
External Links Disclaimer
Smuosch contains links to external websites that are not provided, maintained, or controlled by the Company in any way. These external links are included because we believe they might provide useful additional information or resources related to the topics we discuss. However, the Company is not affiliated with these external websites.
Please understand that the Company does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. When you click a link and leave Smuosch to visit an external website, you are subject to that website’s terms and policies. We have no control over the content, practices, or security of external websites.
The inclusion of a link to an external website does not mean the Company endorses that website, agrees with its content, or takes responsibility for anything you find there. External websites can change their content at any time without our knowledge. A website that contained helpful information when we linked to it might later contain different content, including content that is inaccurate, offensive, or harmful.
You should exercise caution when visiting any external website. Check the website’s legitimacy, read its privacy policy and terms of service, and use your own judgment about whether to trust the information you find there. Do not assume that an external website is safe or trustworthy simply because Smuosch linked to it.
Errors And Omissions Disclaimer
The information provided on Smuosch is offered for general guidance on matters of interest only. Even though the Company takes every reasonable precaution to ensure that the content on Smuosch is both current and accurate, errors can and do occur. Nobody is perfect, and mistakes happen despite our best efforts.
Additionally, given the constantly changing nature of laws, rules, regulations, financial products, and economic conditions, there may be delays, omissions, or inaccuracies in the information contained on Smuosch. Financial and legal landscapes shift regularly. A law might change, a regulation might be updated, a financial product might be discontinued, or new options might emerge. We try to keep our content current, but we cannot guarantee that every piece of information is updated the moment something changes in the real world.
The Company is not responsible for any errors or omissions in our content. We are also not responsible for any results you obtain from using the information on Smuosch. If you make a decision based on information that turns out to be incorrect or outdated, or if you experience negative results from following guidance found on our website, the Company cannot be held liable for those outcomes.
You should always verify important information through multiple sources before making significant decisions. If you are dealing with a matter that has serious financial, legal, or personal consequences, consult with qualified professionals who can provide advice tailored to your specific situation.
Fair Use Disclaimer
Smuosch may occasionally use copyrighted material that has not always been specifically authorized by the copyright owner. The Company uses such material for purposes including criticism, comment, news reporting, teaching, scholarship, or research. The Company believes that this usage constitutes fair use of copyrighted material as provided for in section 107 of the United States Copyright law.
Fair use is a legal doctrine that allows limited use of copyrighted material without requiring permission from the copyright holder. It exists to balance the rights of copyright owners with the public interest in accessing and discussing copyrighted works. However, fair use is a complex area of law with no absolute rules, and reasonable people can disagree about whether a particular use qualifies as fair use.
If you wish to use copyrighted material that appears on Smuosch for your own purposes that go beyond fair use, you must obtain permission directly from the copyright owner. The Company cannot grant you permission to use copyrighted material that we do not own. Do not assume that because something appears on Smuosch, you have the right to copy it and use it however you want.
Views Expressed Disclaimer
Smuosch may contain views and opinions that belong to the authors who created the content. These views and opinions do not necessarily reflect the official policy or position of any other author, agency, organization, employer, or company, including the Company itself. Different people hold different perspectives, and content creators have their own beliefs and biases that might influence how they present information.
If Smuosch allows user comments, those comments are the sole responsibility of the users who posted them. Users who post comments take full responsibility, liability, and blame for any libel, defamation, or legal issues that result from something written in or as a direct result of something written in their comment. The Company is not liable for any comment published by users.
The Company reserves the complete right to delete any comment for any reason whatsoever. We might remove comments that are offensive, misleading, spam, off-topic, or for any other reason we deem appropriate. We do not have to provide explanations for why we delete comments, and we do not have to give warnings before removing content.
Users should understand that posting comments on Smuosch does not give them any ownership or control over those comments once posted. The Company can moderate, edit, or remove user-generated content at its discretion.
No Responsibility Disclaimer
This is one of the most important sections of this disclaimer. The information on Smuosch is provided with the understanding that the Company is not engaged in rendering legal, accounting, tax, medical, psychological, or other professional advice and services. We provide general information and educational content, but this should never be used as a substitute for consultation with professional advisors who are qualified and licensed to provide advice specific to your situation.
If you need legal advice, speak with a lawyer. If you need tax advice, consult with a tax professional. If you need accounting guidance, work with an accountant. If you have medical concerns, see a doctor. General information on the internet, including information on Smuosch, cannot replace the personalized guidance that professionals can provide after evaluating your specific circumstances.
In no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever arising out of or in connection with your access to, use of, or inability to access or use Smuosch. This includes but is not limited to financial losses, missed opportunities, emotional distress, or any other type of harm.
This limitation of liability applies even if the Company has been advised of the possibility of such damages. It applies regardless of the legal theory under which you might try to claim damages, whether that is contract law, tort law, negligence, or any other legal framework.
Use At Your Own Risk Disclaimer
All information on Smuosch is provided on an “as is” basis. This means we give you the information in its current state without any guarantees about its quality or fitness for your purposes. There is no guarantee of completeness, meaning we might not cover every aspect of a topic. There is no guarantee of accuracy, meaning the information might contain errors. There is no guarantee of timeliness, meaning the information might be outdated. There is no guarantee about the results you will obtain from using the information, meaning your outcomes might differ from what you expect.
These disclaimers apply without warranty of any kind, whether express or implied. Express warranties are explicit promises we make, and implied warranties are guarantees that the law sometimes assumes exist even without explicit promises. We are disclaiming both types. This includes but is not limited to warranties of performance, merchantability, and fitness for a particular purpose.
The Company will not be liable to you or anyone else for any decision you make or action you take in reliance on information provided by Smuosch. If you read our content and decide to make a financial investment, change your savings strategy, give money to your grandchildren, apply for a financial product, or take any other action, you do so at your own risk. The Company is not responsible for the outcomes of your decisions.
The Company also will not be liable for any consequential, special, or similar damages, even if advised of the possibility of such damages. Consequential damages are indirect results of actions, such as lost income, missed opportunities, or downstream effects of a decision. These are specifically excluded from our liability.
By using Smuosch, you acknowledge that you understand these risks and accept them. You agree that you will not hold the Company responsible if things do not work out the way you hoped. You understand that you are making your own choices and must accept the consequences of those choices.
Contact Us
If you have any questions about this disclaimer, if you need clarification about what any section means, or if you want to discuss any concerns related to this disclaimer, you can contact the Company. We are available to help you understand these terms and to address any legitimate concerns you might have.
You can reach us by email at chisage673@gmail.com. When you contact us, please be specific about which part of the disclaimer you have questions about and what you would like to know. This helps us provide you with clear and helpful responses.
Please note that contacting us does not change the terms of this disclaimer or create any additional obligations or warranties on our part. This disclaimer remains in effect regardless of any communications we might have with individual users. However, we do value questions and feedback because they help us understand how to improve our website and make our policies clearer for everyone.
Thank you for taking the time to read this disclaimer. We know legal documents are not exciting, but understanding these terms is important for your protection and ours. By using Smuosch with full knowledge of this disclaimer, you help create a better, safer experience for everyone in our community.