Last updated: December 30, 2025
1. About this website
Smart With Cents is an independent editorial website focused on thoughtful writing about money and everyday life.
The content on this site is provided for general informational and educational purposes only.
By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of the site.
2. No professional advice
The content published on SmartWithCents.com does not constitute financial, investment, legal, or tax advice.
No professional relationship is created by reading or interacting with the content on this website.
Any decisions you make based on information found here are made at your own discretion and risk.
We strongly encourage readers to consult qualified professionals before making financial or legal decisions.
3. Accuracy and availability of content
We aim to publish content that is thoughtful, accurate, and up to date. However, we make no guarantees regarding:
- the completeness or accuracy of information
- the suitability of content for your specific situation
- uninterrupted or error-free access to the website
Content may be updated, modified, or removed at any time without notice.
4. Intellectual property
All content on this website, including text, design, and graphics, is the intellectual property of Smart With Cents unless otherwise stated.
You may:
- quote short excerpts with clear attribution and a link back to the original page
You may not:
- copy or reproduce full articles
- republish content without written permission
- use content for commercial purposes without consent
Unauthorized use may result in legal action.
5. External links
This website may contain links to third-party websites for reference or convenience.
Smart With Cents:
- does not control external websites
- is not responsible for their content, policies, or practices
- does not endorse products or services unless explicitly stated
Visiting third-party sites is at your own risk.
6. Advertising and affiliate disclosure
Smart With Cents may display advertising or include affiliate links to support the operation of the website.
This means we may earn a commission if you click on or purchase through certain links, at no additional cost to you.
Advertising and affiliate relationships do not influence our editorial content or opinions.
7. User interactions
Smart With Cents does not currently offer user accounts or membership features.
If comments or interactive features are enabled in the future, we reserve the right to remove content that is spam, abusive, unlawful, or otherwise inappropriate.
8. Limitation of liability
To the fullest extent permitted by law, Smart With Cents shall not be liable for any direct or indirect damages arising from:
- the use or inability to use this website
- reliance on any information provided
- technical issues, errors, or interruptions
Use of this website is entirely at your own risk.
9. Privacy
Your use of this website is also governed by our Privacy Policy, which explains how personal data is handled.
10. Governing law
These Terms & Conditions are governed by and construed in accordance with the laws of the European Union and applicable local law.
Any disputes arising in connection with these terms shall be subject to the jurisdiction of the competent courts.
11. Changes to these terms
We reserve the right to update or modify these Terms & Conditions at any time.
Changes will be posted on this page and become effective immediately upon publication.
12. Contact
If you have questions about these Terms & Conditions, you can contact us at:
