Terms & Conditions

1. Agreement to Terms

These Terms and Conditions govern your access to and use of Smarty Cents, including our website, applications, and related services. By accessing or using the service, you agree to be bound by these terms.

2. Eligibility and Account

You must be legally able to enter into a binding agreement to use the service. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate information and keep it up to date.

3. Free Tier and Credits

New users may receive a Free Tier allocation, including 5,000 credits to explore Smarty Cents features. Credits are provided for use within the platform, have no monetary value, and are not transferable or redeemable for cash. Credit allocations and feature availability may change.

4. Acceptable Use

You agree not to misuse the service. Prohibited behavior includes:

• Attempting unauthorized access to systems or accounts.
• Using the service for unlawful, fraudulent, or abusive activity.
• Interfering with the normal operation, security, or performance of the service.

5. Intellectual Property

Smarty Cents and its software, content, branding, and related materials are owned by us or our licensors and are protected by applicable intellectual property laws. These terms give you a limited, non-exclusive, non-transferable right to use the service for its intended purpose.

6. Financial Information Disclaimer

Smarty Cents provides informational insights only and does not provide legal, tax, accounting, or investment advice. You are responsible for verifying information and for your financial decisions. Consult a qualified professional where appropriate.

7. Third-Party Services

The service may connect to or rely on third-party services. Their own terms and privacy policies govern your use of those services, and we are not responsible for their availability, accuracy, or conduct.

8. Availability, Changes, and Termination

We may modify, suspend, or discontinue the service or any feature at any time. We may suspend or terminate access if you violate these terms or create risk for the service or others. You may stop using the service at any time. We may also update these terms, and continued use after an update takes effect means you accept the revised terms.

9. Disclaimer of Warranties

The service is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the service will be uninterrupted, secure, or error-free.

10. Limitation of Liability

To the fullest extent permitted by law, Smarty Cents and its affiliates are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the service. Nothing in these terms excludes liability that cannot be excluded under applicable law.

11. General Terms

If any part of these terms is unenforceable, the remaining terms will continue in effect. Our failure to enforce a term is not a waiver of that term. These terms are governed by applicable law, without overriding any consumer protections that apply to you.

12. Contact

If you have questions about these Terms and Conditions, contact us at support@smartycents.xyz.