Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the website located at www.asmarterchoice.org (the "Site"), operated by asmarterchoice.org ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

2. Eligibility

The Site is intended for general audiences. If you are under the age of 13 (or the age of digital consent in your jurisdiction), you may only use the Site with the involvement and consent of a parent or legal guardian.

3. Use of the Site

The Site and its content are provided for general informational and educational purposes only. Nothing on the Site constitutes financial, legal, tax, or investment advice, and you should not rely on it as a substitute for professional advice tailored to your specific circumstances. You are responsible for your own decisions and actions taken based on information found on the Site.

4. Content and Intellectual Property

All text, graphics, logos, images, and other materials on the Site, unless otherwise noted, are the property of asmarterchoice.org or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may view, download, and print content from the Site for your own personal, non-commercial use, provided you do not modify or remove any copyright or proprietary notices. Any other use — including reproduction, distribution, or creation of derivative works — requires our prior written permission.

5. Prohibited Conduct

When using the Site, you agree not to:

• Violate any applicable local, state, national, or international law or regulation;
• Attempt to gain unauthorized access to the Site, its servers, or any connected systems;
• Interfere with or disrupt the operation of the Site or its security features;
• Use any automated means (bots, scrapers, crawlers) to access the Site without our permission;
• Upload or transmit viruses, malware, or other harmful code;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• Use the Site for any unlawful, fraudulent, or harmful purpose.

6. Third-Party Links

The Site may contain links to third-party websites or resources that are not owned or controlled by us. We are not responsible for the content, accuracy, or practices of any third-party sites. Inclusion of any link does not imply endorsement by us. You access third-party sites at your own risk.

7. Disclaimer of Warranties

The Site and all content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, asmarterchoice.org and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of, or inability to use, the Site, even if advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless asmarterchoice.org and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Site or your violation of these Terms.

10. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. By using the Site, you consent to the practices described in the Privacy Policy.

11. Termination

We reserve the right to suspend or terminate your access to the Site, without notice, for any reason, including violation of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict-of-law principles. Any disputes arising out of or related to these Terms or the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in New York, NY.

13. Changes to These Terms

We may revise these Terms from time to time. The updated version will be indicated by a revised "Effective date" at the top of this page. Continued use of the Site after changes take effect constitutes your acceptance of the revised Terms.

14. Contact Us

If you have questions about these Terms, please contact us: