Last updated: January 6, 2026
Welcome to the Terms and Conditions for Smuosch. These terms form a legally binding agreement between you and us, so please read them carefully before using our service. We have written these terms in clear language to help you understand exactly what you are agreeing to when you use our website. By accessing or using Smuosch, you are entering into a contract with us, and these terms define the rules and expectations for that relationship.
We understand that legal documents can be lengthy and sometimes difficult to understand. However, these terms are important because they protect both your rights and ours. They explain what you can expect from us, what we expect from you, and what happens if problems arise. Please take the time to read through this entire document. If you have questions about anything you read here, feel free to contact us using the information provided at the end of this document.
Interpretation And Definitions
Before we get into the specific terms that govern your use of Smuosch, we need to establish clear definitions for certain words and phrases that appear throughout this document. Consistent terminology helps ensure that everyone understands exactly what we mean.
Interpretation
Throughout these Terms and Conditions, you will notice that certain words have their initial letter capitalized. These capitalized words have specific meanings that are defined in this section. These definitions remain the same whether the words appear in singular or plural form. When you see a capitalized term, you should refer back to these definitions to understand its precise meaning in the context of this agreement.
Definitions
For the purposes of these Terms and Conditions, the following terms have these specific meanings:
Affiliate means any entity that controls, is controlled by, or is under common control with a party. In this context, the word “control” means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority. Affiliates are related companies that may share certain business operations or management.
Country refers to Arkansas, United States. This is the primary jurisdiction where the Company operates and where these terms are governed.
Company refers to Smuosch. Throughout this document, when we use the terms “the Company,” “We,” “Us,” or “Our,” we are referring to Smuosch and the entity that operates this website.
Device means any device that can access the service. This includes but is not limited to computers, cellphones, digital tablets, and any other internet-connected device you might use to visit Smuosch.
Service refers to the Website, which is Smuosch.
Terms and Conditions, also referred to as “Terms,” mean these Terms and Conditions that form the entire agreement between you and the Company regarding the use of the service. This document you are reading right now constitutes the complete terms of our agreement.
Third-party Social Media Service means any services or content, including data, information, products, or services provided by a third party that may be displayed, included, or made available by the service. These are external services that we do not own or control but that may appear on or connect with our website.
Website refers to Smuosch, which is accessible from https://smuosch.com/. This is our primary web presence where we provide information about financial advice for grandparents, financial planning for immigrants, and current trends.
You means the individual accessing or using the service. This could also refer to the company or other legal entity on behalf of which such individual is accessing or using the service, as applicable. Essentially, “You” means the user or visitor to our website.
Acknowledgment
These Terms and Conditions govern your use of Smuosch and represent the agreement that operates between you and the Company. These terms set out the rights and obligations of all users regarding the use of our service. It is crucial that you understand what you are agreeing to before you use our website.
Your access to and use of Smuosch is conditioned on your acceptance of and compliance with these Terms and Conditions. These terms apply to all visitors, users, and others who access or use the service, regardless of how they found our website or what parts of the website they visit.
By accessing or using Smuosch, you agree to be bound by these Terms and Conditions. This agreement happens automatically the moment you visit or use our website. If you disagree with any part of these Terms and Conditions, then you may not access the service. It is that simple. Using our website means you accept these terms. Not accepting these terms means you should not use our website.
You represent that you are over the age of 18. The Company does not permit anyone under 18 years old to use the service. By using Smuosch, you are confirming that you meet this age requirement. If you are under 18, you must stop using our website immediately.
Your access to and use of the service is also conditioned on your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes our policies and procedures regarding the collection, use, and disclosure of your personal information when you use our website. It tells you about your privacy rights and how the law protects you. Please read our Privacy Policy carefully before using our service. Your use of Smuosch means you accept both these Terms and Conditions and our Privacy Policy.
User Responsibilities
When you use Smuosch, you take on certain responsibilities. Understanding these responsibilities is important because failing to meet them could result in the termination of your access to our service.
Lawful Use
You agree to use Smuosch only for lawful purposes and in a way that does not infringe on the rights of others or restrict or inhibit anyone else’s use and enjoyment of the website. You must not use our website to engage in any illegal activity or to violate any laws in your jurisdiction or ours.
Accurate Information
If you create an account on Smuosch or provide information to us through forms or other means, you agree to provide accurate, current, and complete information. You also agree to update this information as necessary to keep it accurate and current. Providing false or misleading information violates these terms.
Account Security
If you create an account on Smuosch, you are responsible for maintaining the security and confidentiality of your account credentials, including your password. You are responsible for all activities that occur under your account, whether or not you authorized those activities. If you suspect that your account has been compromised or that someone is using your account without your permission, you must notify us immediately.
Prohibited Activities
You agree not to engage in any of the following prohibited activities:
You will not copy, modify, distribute, sell, or lease any part of our service or included software, nor may you reverse engineer or attempt to extract the source code of that software, unless laws prohibit those restrictions or you have our written permission.
You will not use our service to transmit or distribute viruses, malware, or other harmful code.
You will not attempt to gain unauthorized access to any part of our service, other users’ accounts, or computer systems or networks connected to our service.
You will not interfere with or disrupt the service or servers or networks connected to the service.
You will not use any robot, spider, scraper, or other automated means to access the service for any purpose without our express written permission.
You will not impersonate another person or misrepresent your affiliation with a person or entity.
You will not collect or harvest any personal information from other users.
You will not use the service for any commercial purpose without our prior written consent.
Intellectual Property Rights
The content on Smuosch, including but not limited to text, graphics, images, logos, articles, and software, is the property of the Company or its content suppliers and is protected by intellectual property laws. These laws include but are not limited to copyright, trademark, and other proprietary rights.
Our Content
All original content published on Smuosch is owned by or licensed to the Company. This includes all articles about financial advice for grandparents, financial planning for immigrants, and trends analysis. You may view this content, read it, and use it for personal, non-commercial informational purposes. However, you may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:
Your computer or device may temporarily store copies of materials in RAM incidental to your accessing and viewing those materials.
You may store files that are automatically cached by your web browser for display enhancement purposes.
You may print or download a reasonable number of pages from the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
If we provide social media features or other sharing tools, you may use these features to share content in accordance with the functionality we provide.
Attribution
If you use any content from Smuosch in a manner that we have explicitly permitted, you must provide proper attribution to Smuosch as the source. You must not suggest that Smuosch endorses you or your use of the content unless we have given you explicit written permission to do so.
Trademarks
The Company name “Smuosch” and all related names, logos, product and service names, designs, and slogans are trademarks of the Company. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans mentioned on this website are the trademarks of their respective owners.
User Generated Content
Smuosch may allow users to post comments, reviews, or other content. If we provide such features, you retain ownership of any content you submit, post, or display on or through the service. However, by submitting content to Smuosch, you grant us certain rights.
License Grant
When you post content on Smuosch, you grant the Company a worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform that content in connection with the service and the Company’s business. This license continues even if you stop using our service.
Content Responsibility
You are solely responsible for any content you post on Smuosch. You represent and warrant that you own or have the necessary rights and permissions to post the content and to grant the license described above. You also represent and warrant that your content does not violate the privacy rights, publicity rights, copyrights, trademark rights, contract rights, or any other rights of any person or entity.
Content Moderation
The Company reserves the right but does not have the obligation to monitor, edit, or remove any user-generated content that we determine in our sole discretion violates these Terms and Conditions or is otherwise objectionable. We may remove content that is illegal, offensive, threatening, libelous, defamatory, pornographic, obscene, or otherwise objectionable or that violates any party’s intellectual property rights or these terms.
We do not endorse any user-generated content or any opinion, recommendation, or advice expressed in such content. We expressly disclaim any and all liability in connection with user-generated content.
Links To Other Websites
Our service may contain links to third-party websites or services that are not owned or controlled by the Company. These links are provided for your convenience and to provide additional information or resources that might be relevant to the topics we discuss on Smuosch.
The Company has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services. When you click on a link and leave Smuosch to visit an external website, you do so at your own risk.
You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
The inclusion of any link does not imply endorsement by the Company of the linked website. The linked websites are independent from Smuosch, and we have no authority over their content or operations. We do not review or monitor the content of external websites, and we cannot guarantee that external websites will maintain appropriate privacy standards, accurate information, or safe browsing environments.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit. Be cautious about providing personal information or making purchases through external websites, even if you accessed them through a link on Smuosch.
Termination
We may terminate or suspend your access to Smuosch immediately, without prior notice or liability, for any reason whatsoever. This includes but is not limited to situations where you breach these Terms and Conditions.
Reasons for termination might include but are not limited to:
Violations of these Terms and Conditions.
Requests from law enforcement or other government agencies.
Discontinuation or material modification of the service.
Unexpected technical issues or security concerns.
Engagement in fraudulent or illegal activities.
Extended periods of inactivity if you have an account.
Upon termination, your right to use the service will cease immediately. If you have an account, you may no longer be able to access it or any information stored in that account. Termination of your access does not relieve you of any obligations you incurred before the termination.
All provisions of these Terms and Conditions which by their nature should survive termination shall survive termination. This includes but is not limited to ownership provisions, warranty disclaimers, indemnity obligations, and limitations of liability.
You may terminate this agreement by simply stopping your use of Smuosch and, if you have an account, by closing your account. Even after you stop using our service, certain provisions of these terms will continue to apply.
Limitation Of Liability
This is one of the most important sections of these Terms and Conditions. It explains the limits on the Company’s liability to you.
Notwithstanding any damages that you might incur for any reason whatsoever, the entire liability of the Company and any of its suppliers under any provision of these terms, and your exclusive remedy for all of the foregoing, shall be limited to the amount actually paid by you through the service. If you have not purchased anything through the service, the liability limit is 100 USD.
To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever. This includes but is not limited to damages for loss of profits, loss of data or other information, business interruption, personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the service, third-party software and third-party hardware used with the service, or otherwise in connection with any provision of these terms.
This limitation applies even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
The types of damages that are excluded under this limitation include but are not limited to:
Financial losses or lost profits.
Lost opportunities or missed business prospects.
Damage to your reputation.
Loss of data or information.
Costs of obtaining substitute services.
Emotional distress or mental anguish.
Some states or jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages. This means that some of the above limitations may not apply to you. In these states or jurisdictions, each party’s liability will be limited to the greatest extent permitted by law.
AS IS And AS AVAILABLE Disclaimer
The service is provided to you “AS IS” and “AS AVAILABLE” with all faults and defects without warranty of any kind. This means we provide the service in its current state without making promises about its quality or performance.
To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory, or otherwise, with respect to the service.
This includes all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. It also includes warranties that may arise out of course of dealing, course of performance, usage, or trade practice.
Without limitation to the foregoing, the Company provides no warranty or undertaking and makes no representation of any kind that the service will meet your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards, or be error-free, or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither the Company nor any of the Company’s providers makes any representation or warranty of any kind, express or implied:
As to the operation or availability of the service, or the information, content, and materials or products included on the service.
That the service will be uninterrupted or error-free.
As to the accuracy, reliability, or currency of any information or content provided through the service.
That the service, its servers, the content, or emails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs, or other harmful components.
We do our best to provide accurate information and a reliable service, but we are not perfect. Things can go wrong. Information can become outdated. Technical problems can occur. By using Smuosch, you accept that these imperfections exist and that we do not guarantee perfection.
Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you. However, in such cases, the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
Indemnification
You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees, including reasonable attorneys’ fees, arising out of or relating to your violation of these Terms and Conditions or your use of the service.
This means that if your actions cause legal problems for the Company, you are responsible for the consequences. For example, if you post content that infringes someone else’s copyright and that person sues the Company, you would be responsible for defending the Company and covering any costs or damages.
This indemnification obligation includes but is not limited to:
Your breach of these Terms and Conditions.
Your violation of any law or the rights of a third party.
Any content you post or transmit through the service.
Your use of the service in a negligent or wrongful manner.
Any misrepresentation made by you.
This indemnification will survive the termination of these Terms and Conditions and your use of the service.
Governing Law
The laws of the Country, which is Arkansas, United States, excluding its conflicts of law rules, shall govern these Terms and Conditions and your use of the service. Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights.
Your use of the service may also be subject to other local, state, national, or international laws, depending on where you are located and what you are doing on the service. You are responsible for complying with all applicable laws in your jurisdiction.
The choice of Arkansas law means that if any legal dispute arises between you and the Company regarding these terms or your use of Smuosch, Arkansas law will determine how that dispute is resolved. This provides consistency and predictability in how our legal relationship is governed.
Disputes Resolution
If you have any concern or dispute about the service, you agree to first try to resolve the dispute informally by contacting the Company. Many disputes can be resolved quickly and amicably through direct communication without the need for formal legal proceedings.
When you contact us with a dispute, please provide a clear description of the problem, explain what you would like us to do to resolve it, and give us a reasonable opportunity to address your concerns. We commit to working with you in good faith to find a mutually acceptable resolution.
If we cannot resolve the dispute informally within a reasonable time, then either party may pursue formal dispute resolution mechanisms. However, we strongly prefer to resolve issues through friendly communication whenever possible.
Arbitration
If informal resolution does not work, you agree that any dispute arising out of or relating to these terms or the service will be resolved through binding arbitration rather than in court, except that either party may seek injunctive or other equitable relief in court to prevent the actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights.
Arbitration is a more informal alternative to court proceedings. It tends to be faster and less expensive than traditional litigation. The arbitration will be conducted in accordance with the rules of a recognized arbitration association and will take place in Arkansas, United States, unless both parties agree to a different location.
Class Action Waiver
You agree that any arbitration or other dispute resolution proceeding shall be conducted only on an individual basis and not in a class, consolidated, or representative action. This means you cannot join your claim with the claims of other users in a class action lawsuit. This waiver applies unless such waiver is prohibited by applicable law.
For European Union Users
If you are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident. Nothing in these Terms and Conditions affects your rights as a consumer to rely on such mandatory provisions of local law.
European Union law provides strong consumer protections, and we respect those protections. If there is any conflict between these Terms and Conditions and mandatory consumer protection laws in your EU country, the consumer protection laws will prevail to the extent of the conflict.
You may also have the right to use the European Commission’s online dispute resolution platform to resolve disputes. The platform can be accessed at http://ec.europa.eu/consumers/odr.
United States Legal Compliance
You represent and warrant that you are not located in a country that is subject to the United States government embargo or that has been designated by the United States government as a “terrorist supporting” country. You also represent and warrant that you are not listed on any United States government list of prohibited or restricted parties.
This compliance requirement exists because United States law restricts transactions with certain countries and individuals. By using Smuosch, you confirm that you are not subject to these restrictions. If your status changes and you become subject to such restrictions, you must immediately stop using our service.
Severability And Waiver
These two legal concepts help ensure that these Terms and Conditions remain enforceable even if problems arise with specific provisions.
Severability
If any provision of these terms is held to be unenforceable or invalid by a court or other tribunal of competent jurisdiction, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law. The remaining provisions will continue in full force and effect.
This means that if a court decides one part of these terms is not legally valid, that part will be modified to make it valid if possible, and the rest of the terms will still apply. The entire agreement does not fail just because one provision has a problem.
Waiver
Except as provided in these terms, the failure to exercise a right or to require performance of an obligation under these terms shall not affect a party’s ability to exercise such right or require such performance at any time thereafter. The waiver of a breach shall not constitute a waiver of any subsequent breach.
This means that if we do not immediately enforce a particular provision of these terms, that does not mean we have given up our right to enforce that provision later. Similarly, if we waive a breach once, that does not mean we will waive similar breaches in the future.
Translation Interpretation
These Terms and Conditions may have been translated if we have made them available to you on our service in a language other than English. Translations are provided for convenience to help non-English speakers understand our terms.
However, you agree that the original English text shall prevail in the case of a dispute. If there is any inconsistency or ambiguity between the English version and a translated version, the English version controls. The English version is the legally binding version of this agreement.
If you are reading a translated version of these terms and you do not fully understand something, we encourage you to refer to the English version or contact us for clarification before using our service.
Changes To These Terms And Conditions
We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. The digital world changes quickly, our business may evolve, laws may change, and we may need to update these terms to reflect those changes.
If a revision is material, we will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. We will typically provide this notice by posting a prominent announcement on our website or by sending an email to the email address associated with your account if you have one.
What constitutes a material change will be determined at our sole discretion. Material changes are significant changes that substantially alter your rights or obligations. Minor changes, such as corrections of typos or clarifications of existing provisions, may be made without advance notice.
By continuing to access or use our service after revisions become effective, you agree to be bound by the revised terms. Your continued use of Smuosch constitutes acceptance of the updated terms. If you do not agree to the new terms, in whole or in part, please stop using the website and the service immediately.
We encourage you to review these Terms and Conditions periodically to stay informed of any updates. We will always indicate the date of the last update at the top of this document so you can see when the terms were last modified.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and any other legal notices or agreements published by us on the service, constitute the entire agreement between you and the Company regarding your use of the service. This entire agreement supersedes and replaces any prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter.
This means that these written terms represent the complete agreement between us. If we had any previous discussions, emails, or informal agreements about your use of Smuosch, those do not count. Only what is written in these official terms and our other official policies constitutes our agreement.
Assignment
The Company may assign or transfer these Terms and Conditions, in whole or in part, at any time without notice to you. This might happen if we sell our business, merge with another company, or restructure our operations in some other way.
However, you may not assign or transfer these terms or your rights and obligations under these terms to anyone else without our prior written consent. Your rights and obligations under these terms are personal to you.
No Third-Party Beneficiaries
These Terms and Conditions are for the benefit of you and the Company only. No other person or entity has any right to enforce any provision of these terms or to benefit from these terms. These terms do not create any third-party beneficiary rights.
Force Majeure
The Company shall not be liable for any failure or delay in performing its obligations under these terms if such failure or delay is due to circumstances beyond its reasonable control. This includes but is not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
During a force majeure event, the Company’s obligations under these terms will be suspended for the duration of the event. We will make reasonable efforts to minimize the impact of any force majeure event and to resume normal operations as quickly as possible.
Notices
Any notices or other communications required or permitted under these terms must be in writing and will be deemed given when delivered personally, sent by confirmed email, or when received if sent by registered or certified mail, postage prepaid, return receipt requested.
Notices to the Company should be sent to the contact information provided at the end of these Terms and Conditions. Notices to you may be sent to the email address you provided to us when creating an account or through prominent postings on our website.
You agree that electronic communications, including emails and postings on our website, satisfy any legal requirement that communications be in writing.
Headings
The headings used in these Terms and Conditions are for convenience and reference purposes only and do not affect the meaning or interpretation of these terms. If there is any conflict between a heading and the actual text of a provision, the text of the provision controls.
Contact Us
If you have any questions about these Terms and Conditions, if you need clarification about any provision, if you want to report a violation of these terms, or if you have any concerns about your use of Smuosch, please do not hesitate to contact us.
You can contact us by email at: chisage673@gmail.com
When you contact us, please provide as much detail as possible about your question or concern so we can respond appropriately. If you are reporting a violation or problem, please include relevant information such as dates, descriptions of what happened, and any other details that would help us understand and address the situation.
We take all inquiries seriously and strive to respond to questions and concerns in a timely manner. While we cannot guarantee immediate responses, we will make reasonable efforts to address your communication as quickly as possible.
Thank you for taking the time to read these Terms and Conditions. We know they are long and sometimes complex, but understanding these terms is important for both you and us. By using Smuosch, you are agreeing to these terms, and we appreciate your cooperation in following them. We are committed to providing a valuable service to help you with financial advice for grandparents, financial planning for immigrants, and keeping you informed about important trends.