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These Terms of Use (“Terms”) govern your access to and use of TheSavvyAmericans.com (the “Site”), operated by TheSavvyAmericans.com (“we,” “us” or “our”). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.
1. Educational purpose only, not professional advice
All content on the Site is provided for general educational and informational purposes. It is not financial, investment, tax, legal, insurance or other professional advice, and it does not account for your individual circumstances, objectives or needs. You should consult a qualified professional before making financial decisions. Your reliance on any information is at your own risk.
2. No guarantees; accuracy of information
We strive to keep information accurate and current, but rates, fees, APYs, APRs, bonuses, terms, eligibility requirements and product availability change frequently and can vary by individual and location. We make no representation or warranty that any information on the Site is complete, accurate or up to date. Always verify details directly with the provider before applying or acting.
3. Affiliate relationships and advertising
We may earn compensation through advertising and affiliate links, meaning we may receive a fee when you click a link, apply for a product, or open an account. Compensation does not automatically determine our rankings or verdicts. See our Advertising Disclosure and Editorial Policy for details.
4. Third-party sites and products
The Site links to third-party websites, products and services that we do not control. We are not responsible for the content, offers, terms, or privacy and security practices of third parties. Any transaction you enter into with a third party is solely between you and that third party and is governed by their terms.
5. Acceptable use
You agree not to:
- Use the Site for any unlawful purpose or in violation of these Terms;
- Attempt to gain unauthorized access to the Site or its systems;
- Interfere with or disrupt the Site, its security, or its servers;
- Scrape, harvest or use automated means to collect data except as expressly permitted (see “AI and automated access”); or
- Reproduce, republish or resell Site content without permission.
6. Intellectual property
The Site and its original content, features, design and functionality are owned by us and protected by intellectual-property laws. Product names, logos and brands mentioned on the Site are the property of their respective owners and are used for identification and editorial purposes only; their use does not imply endorsement.
7. AI and automated access
We publish machine-readable resources (such as /llms.txt, /ai.json and /mcp.json) to support responsible use of our content by AI assistants and agents. The AI usage terms are published in /ai.json. Automated and AI access is also subject to our robots directives and these Terms. AI-generated summaries should preserve context and disclosures and should not misrepresent our content.
8. Disclaimer of warranties
The Site is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement, to the fullest extent permitted by law.
9. Limitation of liability
To the fullest extent permitted by law, TheSavvyAmericans.com and its operators, contributors and partners shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, data or goodwill, arising from your use of, or inability to use, the Site or your reliance on its content.
10. Indemnification
You agree to indemnify and hold harmless TheSavvyAmericans.com from any claims, damages, liabilities and expenses arising out of your use of the Site or your violation of these Terms.
11. Changes to these Terms
We may update these Terms from time to time. Changes are effective when posted, and the “last reviewed” date above will be updated. Your continued use of the Site after changes constitutes acceptance.
12. Governing law
These Terms are governed by the laws of the United States and the applicable state in which we operate, without regard to conflict-of-law principles. The specific governing jurisdiction will be finalized before public launch.
13. Contact
Questions about these Terms? Use our contact page.
These Terms are provided for general informational purposes and are not legal advice. We recommend having them reviewed and finalized by qualified legal counsel before public launch.