Our Terms of Use

Last updated: February 26, 2025

The following Terms of Use ("Terms") govern your use of the SavingsHero.org website, which includes news content, blogs, services and advertising or "Sponsored Content" (Collectively "Website"). These Terms set forth important details about your relationship with us including restrictions on how you can use our Website and our liability in the event something goes wrong. These Terms of Use also sets out our agreement as to how we will resolve disputes through the use of a binding arbitration and you waive the right to participate in class action litigation.

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

We reserve the right to modify the Terms at any time without prior notice to you. We ask that you read these Terms carefully each time you use our Website. All changes to these Terms will be effective from the date posted forward. By using our Website after any change, you accept all new or revised provisions in any revised posted Terms.

1. Privacy Policy Incorporated.

We have prepared and posted a Privacy Policy on our Website which governs and informs you of our data collection and use practices. We are incorporating this Policy into these Terms and we are both bound by this policy, which we encourage you to review.

2. Changes to Our Website.

You agree and understand that our Website including, all content and sponsored content, may be modified or discontinued at any time, in our sole discretion, without prior notice. All 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") published on the Website is protected by applicable intellectual property laws and is owned or licensed by SavingsHero.org or its licensors. You may not modify, create a derivative work, display, distribute, or exploit, in whole or in part, any of the Content or software contained on, or comprising, our Website without seeking prior written permission from us. You are restricted from using any automated or manual device or process to copy, monitor, index or data mine the Website. SavingsHero.org, its respective logos, trade dress, and the graphics and layout of the Website are the registered and/or unregistered service marks, trademarks, and/or trade dress of SavingsHero.org and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, product names, and company names or logos mentioned on the Website are the property of their respective owners. Nothing in these Terms shall be deemed to grant to you any license or right in or to any other proprietary right of ours pertaining to the products sold on and through our Website.

4. License to Use and Copy.

We grant you a limited license to make personal use of content on our Website. This license does not include: (a) any resale or commercial use of content on our Website; (b) the collection and use of any product listing or description on our Website; or (c) use of any data mining, robots, or similar data gathering and extraction methods on our Website.

5. Restrictions on The Use of our Website.

By accessing and using our website, you agree to abide by the following restrictions. You shall not:

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 of Use.
Use the website for any unlawful purpose or in any way that might harm, damage, or disparage any other party.
Make unauthorized attempts to modify, reverse-engineer, hack, or manipulate any part of the website or any service it offers.
Upload or transmit to the website any virus, Trojan, worm, spyware, or other malicious software.
Use the website in a way that could overburden, impair, or harm our servers or networks, or interfere with any other user's use and enjoyment of the website.
Remove, obscure, or alter any copyright, trademark, or other proprietary rights notices appearing on our website.
Use any robot, spider, crawler, scraper, or other automated means to access our website for any purpose without our express written permission.

Violations of these restrictions may result in restrictions on or termination of your access to the website, and may also expose you to legal penalties. We reserve the right to enforce these restrictions at our sole discretion.

6. DMCA Notice.

If you believe that any item or content on our Website infringes your copyright, you should send written notice of copyright infringement to our designated copyright agent at the address given below. Your notice must meet the requirements of the Digital Millennium Copyright Act (as required under 17 U.S.C. §512) by providing the following information:

A description of the copyrighted work that you claim has been infringed;
A description of where the alleged copyrighted work is located on our Website;
Your name, address, telephone number and email address;
A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent or the law;
A statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the owner of the copyright at issue or are authorized to act on the copyright owner's behalf; and
An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright at issue.

Our designated copyright agent may be reached by emailing brendan@SavingsHero.org.

7. Disclaimer.

You expressly agree that your use of our website, and the content, information, advice, services, products, and other materials contained on or described on our website is entirely at your own risk, and that all such information and materials are provided on an "as is" and "as available" basis. To the full extent permissible by applicable law, we make no, and hereby disclaim all, representations or warranties of any kind, express or implied, as to the availability, operation and/or use of our website, including but not limited to all content, services, products, and other information and materials contained in or described on our website. We further disclaim any warranty express or implied of merchantability, fitness for a particular purpose, non-infringement, and implied warranties arising from course of dealing or course of performance. In addition, we do not represent or warrant that the information and content accessible through our website is accurate, complete or current, and we are not responsible for any errors or omissions therein or for any adverse consequences resulting from the use or inability to use, or reliance on any aspect of our website its content, services, products, and other information and materials contained in or described on our website. Further, we make no representations and warranties that our website will be uninterrupted, secure, or free of errors, viruses, or other harmful components. No advice or information, whether oral or written, obtained by you from us or our customer service shall create any warranty not expressly stated in these terms.

8. Limitation on Liability.

In no event shall we, our affiliates, shareholders, directors, officers, members, managers, employees, agents or representatives of any of the foregoing, be liable to you or any third party for damages of any kind (including, but not limited to, any direct, indirect, special, punitive, incidental or consequential damages or damages for loss of profits, goodwill or revenue, business interruption, or loss of data) arising out of the use of, access to, reliance on, unavailability of, inability to use, or improper use of our website, including but not limited to any user content, reviews, advice, services, products, and other information and materials contained in or described on our website. This limitation includes any damages of any nature for the disclosure or misuse of any your personal information, even if we have been advised of the possibility of such damages, and regardless of the form of legal action, whether in contract, tort, or otherwise. In all events, our total maximum liability shall be limited to one hundred U.S. dollars ($100.00). This limitation shall apply notwithstanding any failure of the essential purpose of any limited remedy provided herein. This is a bargained and agreed to provision.

9. Indemnification. You agree to defend, indemnify, and hold us and our affiliates, shareholders, directors, officers, members, managers, employees, agents, and representatives harmless from and against any and all claims, losses, damages, liabilities, and costs (including, but not limited to, direct, incidental, consequential, exemplary, and indirect damages), and reasonable attorneys' fees, resulting from or arising out of (i) your use, misuse, or inability to use the Website, or (ii) your breach or violation of these Terms.

10. Governing Law. These Terms shall be governed by and construed in accordance with the laws of the state in which SavingsHero.org is registered, without giving effect to its conflict of laws. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts of the state in which SavingsHero.org is registered.

11. Severability. If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, the parties agree that the other provisions of these Terms will remain in full force and effect, and the provision affected will be construed so as to be enforceable to the maximum extent permissible by law.

12. Contact. For any questions or comments regarding these Terms or the Website, you may contact us at: support@savingshero.org.

13. Entire Agreement. These Terms, together with any other agreements or terms referenced herein, constitutes the entire agreement between you and SavingsHero.org regarding the Website, and supersedes all prior and contemporaneous negotiations, discussions, or agreements, if any, between the parties regarding the subject matter contained herein.

By using this site, you agree to our privacy policy.