The following Terms of Use ("Terms") govern your access to and use of the SavingsGenius.net website, which includes news, blogs, services, and advertising or "Sponsored Content" (collectively "Website"). These Terms outline your relationship with us, including restrictions on your use of the Website and our liability in case something goes wrong. Additionally, these Terms include our agreement on how disputes will be handled through binding arbitration, and you waive your right to participate in class action litigation.

BY ACCESSING OR USING OUR WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, PLEASE DO NOT USE OR ACCESS OUR WEBSITE.

We reserve the right to modify these Terms at any time without prior notice to you. We recommend that you review these Terms each time you access our Website. Any changes to these Terms will be effective immediately upon posting. By continuing to use our Website after any revisions, you agree to be bound by the updated provisions.

1. Privacy Policy Incorporated

We have posted a Privacy Policy on our Website that governs our data collection and use practices. This policy is incorporated into these Terms, and both parties agree to adhere to it. We encourage you to read and review the Privacy Policy.

2. Changes to Our Website

We reserve the right to modify or discontinue the Website, including all content and sponsored content, at any time and without prior notice. Any such changes are subject to these Terms.

3. Ownership of Intellectual Property

All text, graphics, interfaces, photographs, trademarks, logos, sounds, music, artwork, computer code, and content (collectively "Content") on the Website are protected by intellectual property laws and are owned or licensed by SavingsGenius.net or its licensors. You may not modify, create derivative works from, display, distribute, or exploit any Content or software on the Website without our prior written consent. You are also prohibited from using automated methods or manual devices to copy, monitor, index, or data mine the Website. SavingsGenius.net’s logos, trade dress, and other visual elements are the registered and unregistered trademarks and service marks of SavingsGenius.net and cannot be copied or used without permission. All other trademarks or product names mentioned on the Website are the property of their respective owners. Nothing in these Terms grants you any license or rights in our intellectual property related to products sold through the Website.

4. License to Use and Copy

We grant you a limited license to make personal, non-commercial use of the content on our Website. This license does not extend to: (a) resale or commercial use of any content; (b) collection or use of product listings or descriptions; or (c) use of automated methods such as data mining or robots on our Website.

5. Restrictions on the Use of Our Website

By accessing and using our Website, you agree not to:

• Copy, reproduce, distribute, republish, download, display, post, or transmit any part of the Website without our prior written consent, except as expressly permitted in these Terms.
• Use the Website for unlawful purposes or in any way that could harm, damage, or disparage any other party.
• Attempt unauthorized modifications, reverse-engineering, hacking, or manipulation of the Website or its services.
• Upload or transmit any harmful software, such as viruses, Trojans, or spyware.
• Use the Website in a manner that could overload or impair our servers or disrupt other users’ access.
• Remove or alter any copyright or trademark notices on the Website.
• Use automated methods such as bots, crawlers, or scrapers to access the Website without our express written permission.

Violating these restrictions may result in the termination of your access to the Website and could expose you to legal penalties. We reserve the right to enforce these restrictions at our discretion.

6. DMCA Notice

If you believe any content on our Website infringes your copyright, please send a written notice to our designated copyright agent. Your notice must meet the requirements under the Digital Millennium Copyright Act (17 U.S.C. §512), and include:

• A description of the copyrighted work you believe has been infringed;
• A description of where the alleged infringement is located on our Website;
• Your contact details including name, address, and phone number;
• A statement that you have a good-faith belief that the disputed use is unauthorized;
• A declaration under penalty of perjury that the information in your notice is accurate and you own the copyright or are authorized to act on behalf of the copyright holder;
• Your signature or the signature of someone authorized to act on your behalf.

Our copyright agent can be contacted by emailing support@SavingsGenius.net.

7. Disclaimer

By using our Website, you acknowledge that all content, services, products, and information on the Website are provided "as is" and at your own risk. We make no warranties or representations regarding the operation of our Website, including the accuracy, completeness, or currentness of any information provided. We disclaim all warranties, including implied warranties of merchantability or fitness for a particular purpose. We do not guarantee that our Website will be uninterrupted, error-free, or free from harmful components like viruses. No advice or information obtained from us creates any warranty not expressly stated in these Terms.

8. Limitation on Liability

In no event shall we, our affiliates, officers, employees, or agents be liable for any damages arising out of your use of the Website, including but not limited to direct, indirect, special, or consequential damages, even if we were advised of the possibility of such damages. Our total liability is limited to $100.00. This limitation applies regardless of the failure of any remedy’s essential purpose.

9. Indemnification

You agree to indemnify and hold harmless SavingsGenius.net and its affiliates from any claims, losses, damages, liabilities, and expenses (including attorney fees) arising from your use or misuse of the Website, or your breach of these Terms.

10. Governing Law

These Terms will be governed by and construed according to the laws of the state where SavingsGenius.net is registered. Any disputes will be handled in accordance with these laws, without regard to conflict of law principles.