Terms And Conditions
Welcome to The Smart Investor.
These terms and conditions outline the rules and regulations for the use of The Smart Investor's Website.
**Last Updated:** January 14, 2025
## 1. Acceptance of Terms
These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “User”) and Mann Media LLC, a Wyoming limited liability company, doing business as The Smart Investor (“we,” “us,” “our,” or “The Smart Investor”), governing your use of our website at [thesmartinvestor.com](https://thesmartinvestor.com), our dashboard at [app.thesmartinvestor.com](https://app.thesmartinvestor.com), and all related services, features, content, and applications we offer (collectively, the “Services”).
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our Services.
## 2. Eligibility
### 2.1 Age Requirement
You must be at least 18 years of age to use our Services. By using our Services, you represent and warrant that you are at least 18 years old. We do not knowingly collect information from or provide Services to anyone under 18 years of age.
### 2.2 Capacity
You represent that you have the legal capacity to enter into these Terms and that you are not barred from using the Services under any applicable laws.
### 2.3 Compliance
You agree to comply with all applicable federal, state, local, and international laws and regulations in your use of the Services.
### 2.4 U.S. Residents Only
The Smart Investor Services are intended for U.S. residents only. By using our Services, you represent and warrant that you are a resident of the United States. We make no representation that the Services are appropriate or available for use in other locations.
## 3. Description of Services
### 3.1 Educational Platform
The Smart Investor is an educational and informational platform that provides:
– Financial education content and articles
– AI-powered chat assistance for financial questions
– Personalized product recommendations based on your preferences
– Comparison tools for financial products
– Access to third-party financial service providers through affiliate relationships
### 3.2 Not Financial Advice
**IMPORTANT DISCLAIMER**: The Smart Investor is NOT a registered investment advisor, broker-dealer, financial planner, or financial institution. The Services are for educational and informational purposes only and do not constitute financial, investment, tax, legal, or any other professional advice. You should consult with qualified professionals before making any financial decisions.
### 3.3 Service Availability
We reserve the right to:
– Modify, suspend, or discontinue any part of the Services at any time
– Impose limits on certain features or restrict access to parts of the Services
– Refuse service to anyone for any reason at any time
### 3.4 Service Provider Network
We may provide you with the opportunity to submit requests for information on products and services offered by certain service providers (“Service Providers”). We cannot guarantee that Service Providers will respond to every request or meet all requirements. Once we refer your request to Service Providers, we have no further involvement or responsibility in any transactions between you and the Service Provider(s).
### 3.5 Not Endorsed by FINRA
The Smart Investor and the Services are not endorsed by or affiliated with FINRA or any other regulatory body.
## 4. User Accounts
### 4.1 Account Creation
To access certain features, you must create an account using Google OAuth authentication. You agree to:
– Provide accurate, current, and complete information
– Maintain and promptly update your account information
– Maintain the security of your account credentials
– Accept responsibility for all activities under your account
– Immediately notify us of any unauthorized use
### 4.2 Account Termination
We may suspend or terminate your account if:
– You violate these Terms
– You provide false or misleading information
– You engage in fraudulent or illegal activities
– We believe termination is necessary to protect us or other users
### 4.3 Account Deletion
To delete your account, contact us at baruch.s@infoforinvestors.com. We will process deletion requests within 60 days.
## 5. User Content and Conduct
### 5.1 User Content
“User Content” means any content you submit to our Services, including:
– Questions asked in our chat interface
– Feedback and reviews
– Profile information
– Communications with us
### 5.2 License to User Content
By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Content in connection with the Services and our business, including for promoting and redistributing the Services.
### 5.3 Ownership
– You retain ownership of your questions and queries
– We own all AI-generated responses and recommendations
– We own all improvements, derivatives, and insights derived from User Content
### 5.4 Prohibited Conduct
You agree not to:
– Use the Services for any illegal purpose or in violation of any laws
– Impersonate any person or entity or misrepresent your affiliation
– Interfere with or disrupt the Services or servers
– Attempt to gain unauthorized access to any portion of the Services
– Use automated systems or software to extract data (scraping)
– Upload viruses or malicious code
– Harass, abuse, or harm other users
– Use the Services to send spam or unsolicited communications
– Reverse engineer or attempt to discover source code
– Remove or alter any proprietary notices
– Use the Services for competitive analysis or benchmarking
– Resell or commercially exploit the Services without permission
## 6. Intellectual Property Rights
### 6.1 Our Property
The Services and all content, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, selection, and arrangement) are owned by Mann Media LLC, our licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
### 6.2 Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use in accordance with these Terms.
### 6.3 Trademarks
“The Smart Investor” and our logos are trademarks of Mann Media LLC. You may not use our trademarks without our prior written permission.
### 6.4 Feedback
Any feedback, suggestions, or ideas you provide about the Services becomes our property and may be used without compensation or attribution to you.
## 7. Third-Party Services and Content
### 7.1 Third-Party Links
Our Services may contain links to third-party websites, products, and services. We do not control, endorse, or assume responsibility for any third-party content or services.
### 7.2 Affiliate Relationships
We participate in affiliate programs and may earn commissions when you click on links and are approved for financial products. These relationships may influence product placement but do not affect our editorial content.
### 7.3 Third-Party Terms
Your use of third-party services accessed through our Services is subject to those third parties' terms and privacy policies.
### 7.4 Third-Party Advice
Some Services involve advice from third parties and third party content. You agree that:
– Any such advice and content is provided for information, education, and entertainment purposes only
– Such advice does not constitute legal, financial, tax planning, medical, or other professional advice from The Smart Investor
– The Smart Investor is not liable for any advice provided by third parties
– You are responsible for your own financial research and decisions
– The Smart Investor is not responsible for any decisions or actions you take based on third-party information
### 7.5 Sharing Information with Third Parties
To use some Services, you may need to provide sensitive information (credit card numbers, bank account numbers, etc.) to third parties. By using the Services, you agree that:
– The Smart Investor may collect, store, and transfer such information on your behalf and at your sole request
– Your decision to share sensitive information is at your sole risk
– The Smart Investor has no control over third parties' use or disclosure of your information
– Third-party services are not under The Smart Investor's control
– The Smart Investor is not responsible for any third party's use of your information
## 8. Disclaimers and Warranties
### 8.1 “AS IS” Service
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
### 8.2 No Guarantee
WE DO NOT WARRANT THAT:
– The Services will meet your requirements
– The Services will be uninterrupted, timely, secure, or error-free
– The results obtained from the Services will be accurate or reliable
– Any errors in the Services will be corrected
– The Services are free of viruses or harmful components
### 8.3 Financial Disclaimer
WE DO NOT GUARANTEE ANY SPECIFIC FINANCIAL OUTCOMES OR RESULTS FROM USING THE SERVICES. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. YOUR FINANCIAL SITUATION IS UNIQUE, AND THE PRODUCTS AND SERVICES WE REVIEW MAY NOT BE SUITABLE FOR YOUR CIRCUMSTANCES.
### 8.4 AI Limitations
AI-GENERATED CONTENT MAY CONTAIN ERRORS, INACCURACIES, OR “HALLUCINATIONS.” ALWAYS VERIFY IMPORTANT INFORMATION FROM AUTHORITATIVE SOURCES BEFORE MAKING DECISIONS.
### 8.5 Accessibility
We strive to maintain accessibility but do not guarantee compliance with any specific accessibility standards, including WCAG.
### 8.6 Content Accuracy
The Smart Investor provides Site content solely for your convenience and informational purposes. Such content:
– Is not intended as a substitute for professional or financial advice
– Should not be construed as the provision of advice or recommendations
– Should not be relied upon as the basis for any decision or action
– May be incomplete, inaccurate, or out of date
– Is provided “AS IS” without any guarantee of accuracy or reliability
You assume the risk that information on this Site may not meet your needs and requirements. Always seek advice from qualified professionals for your specific situation.
## 9. Limitation of Liability
### 9.1 Damages Limitation
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL MANN MEDIA LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.
### 9.2 Cap on Liability
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100).
### 9.3 Essential Basis
YOU ACKNOWLEDGE THAT THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN US.
### 9.4 Jurisdictional Limitations
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.
## 10. Indemnification
You agree to indemnify, defend, and hold harmless Mann Media LLC and its officers, directors, employees, agents, licensors, and suppliers 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
– Your use of the Services
– Your User Content
– Your violation of any rights of another party
– Your violation of any applicable laws or regulations
– Any claims that your User Content caused damage to a third party
This indemnification obligation will survive the termination of these Terms and your use of the Services.
## 11. Dispute Resolution and Arbitration
### 11.1 Mandatory Arbitration
ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL BE RESOLVED THROUGH BINDING ARBITRATION, EXCEPT THAT EACH PARTY RETAINS THE RIGHT TO SEEK INJUNCTIVE OR OTHER EQUITABLE RELIEF IN A COURT OF COMPETENT JURISDICTION.
### 11.2 Arbitration Rules
The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with its Consumer Arbitration Rules. The arbitration will be conducted in Wyoming, unless we agree otherwise.
### 11.3 Arbitration Costs
Each party will be responsible for its own attorneys' fees, except where prohibited by law. We will pay all AAA filing, administration, and arbitrator fees for claims totaling less than $10,000.
### 11.4 Small Claims Court
Notwithstanding the above, either party may bring an individual action in small claims court if the claim is within the court's jurisdiction.
### 11.5 Class Action Waiver
YOU AND MANN MEDIA LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION.
### 11.6 Opt-Out Right
You have the right to opt out of this arbitration agreement by sending written notice of your decision to opt out to baruch.s@infoforinvestors.com within 30 days of first using the Services.
## 12. Governing Law and Jurisdiction
These Terms and any dispute arising out of or related to the Services shall be governed by the laws of the State of Wyoming, without regard to its conflict of law provisions. Subject to the arbitration provisions above, the exclusive jurisdiction for any dispute shall be the state and federal courts located in Wyoming.
## 13. Privacy
Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.
## 14. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the updated Terms on our website. Your continued use of the Services after any changes constitutes acceptance of the new Terms.
We encourage you to review these Terms periodically. The “Last Updated” date at the top indicates when these Terms were last revised.
## 15. DMCA Copyright Policy
### 15.1 Copyright Infringement Claims
We respect intellectual property rights. If you believe content on our Services infringes your copyright, please send a DMCA notice to baruch.s@infoforinvestors.com with:
– Identification of the copyrighted work
– Identification of the allegedly infringing material
– Your contact information
– A statement of good faith belief
– A statement of accuracy under penalty of perjury
– Your physical or electronic signature
### 15.2 Counter-Notice
If you believe your content was wrongly removed, you may send a counter-notice with similar information.
## 16. General Provisions
### 16.1 Entire Agreement
These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and Mann Media LLC regarding the Services.
### 16.2 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
### 16.3 No Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
### 16.4 Assignment
We may assign or transfer these Terms, in whole or in part, without restriction. You may not assign or transfer any rights or obligations under these Terms without our prior written consent.
### 16.5 Survival
Provisions that by their nature should survive termination of these Terms shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
### 16.6 Force Majeure
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemic, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
### 16.7 Electronic Communications
By using the Services, you consent to receiving electronic communications from us. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.
### 16.8 Interpretation
The headings in these Terms are for convenience only and have no legal or contractual effect. The words “include,” “including,” and “such as” are illustrative and not limiting.
## 17. No Professional Relationship
Your use of the Services does not create any fiduciary, professional, agency, or client relationship between you and The Smart Investor. We are not acting as your financial advisor, attorney, accountant, or any other professional service provider.
## 18. Refunds
As we do not currently charge fees for our Services, no refund policy is applicable. If we introduce paid features in the future, we will update these Terms with appropriate refund provisions.
## 19. Cookies
We employ the use of cookies and similar tracking technologies. By using The Smart Investor's Services, you consent to the use of cookies in accordance with our Privacy Policy and Cookie Policy. Cookies are used to:
– Enable functionality and ease of use
– Retrieve user details for each visit
– Track analytics and improve our Services
– Remember your preferences
Some of our affiliate/advertising partners may also use cookies. You can manage cookie preferences through your browser settings.
## 20. Linking and Framing
### 20.1 iFrames
Without prior approval and express written permission, you may not create frames around our web pages or use other techniques that alter in any way the visual presentation or appearance of our Services.
### 20.2 Links to Our Services
We reserve the right at any time to request that you remove all links or any particular link to our Services. You agree to immediately remove all links upon such request.
### 20.3 Links from Our Services
If you find any link on our Services objectionable for any reason, you may contact us. We will consider requests to remove links but have no obligation to do so or to respond directly to you.
## 21. Contact Information
For questions about these Terms of Service, please contact us at:
**Mann Media LLC**
d/b/a The Smart Investor
30 N Gould St, Ste R
Sheridan, WY 82801
Email: baruch.s@infoforinvestors.com
## 22. Acknowledgment
BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE THE SERVICES.
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**© 2025 Mann Media LLC. All rights reserved.**