TheSavvyMoney.com
Privacy Policy and Terms of Use
Updated May 3, 2010
General
Purpose of this Privacy Policy and Terms of Use
This Privacy Policy and the Terms of Use describes the terms and conditions that you are agreeing to as a condition to access TheSavvyMoney.com ("Website") and how the site owner treats the personally identifiable information that is collected about you when you visit the Website.
What is Personally Identifiable Information
"Personally identifiable information" is information that we can use to identify you as an individual. Personally identifiable information includes your name, address, telephone number and any other information that is connected with your identity.
Information This Privacy Policy Does Not Apply to
This Privacy Policy and Terms of Use does not apply to information collected about you by anyone except TheSavvyMoney.com and only applies to the pages of the Website. Any information you provide when you visit web sites other than the Website or when you purchase any products or services that may be linked to or advertised on the Website by companies other than TheSavvyMoney.com is subject to the privacy policies of the third parties who run and/or own these web sites. Unless otherwise specified herein, this policy also does not apply to information you may provide to us offline.
Children
TheSavvyMoney.com website is not intended for use by children, especially those under age 13. No one under age 13 is allowed to provide any personal information or use our blog area to provide comments.
Information We Collect
All content and tools on TheSavvyMoney.com site, such as articles, widgets, delayed stock quotes and basic worksheets, are available to all users at no charge (free) without registration. TheSavvyMoney.com does not collect any personally identifiable information from you when you visit the Website.
Collection of Personally Identifiable Information
Personally identifiable information may sometimes be collected by third party service providers with whom TheSavvyMoney.com contracts to host the web site or to fulfill requests for services; in that event, TheSavvyMoney.com uses this information to provide you with the service you have requested.
Web Site Usage Information
TheSavvyMoney.com automatically collects IP addresses and web site usage information from you when you visit the Website. This information helps us evaluate how our users navigate and use our web site, including the number and frequency of visitors and views for each web page, and the length of their visits.
Website Submissions
Please be advised that any submissions on the Website (such as on the blog page) become the property of TheSavvyMoney.com and may be used by the site owner for any lawful purpose and you hereby grant TheSavvyMoney.com a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such submissions. TheSavvyMoney.com can edit, rewrite, use, and reuse the content, including your name and biographical information you provide, in any way and any media whether now known or invented in the future, with or without attribution.
Cookies
TheSavvyMoney.com (or third party service providers on our behalf) may set and access cookies on your computer. A cookie is a small amount of data (often including a unique identifier), that is sent to your browser from a web site's computers and stored on your computer's hard drive. To the extent that TheSavvyMoney.com utilizes third party service providers to set and access cookies on the computer of our web site users on behalf of the Website, TheSavvyMoney.com asks such service providers to agree to maintain the anonymity of the information collected and not to use such information for any reason except to carry out the purpose(s) for which we hired them.
We use reputable third parties to present or serve some or all of the advertisements on the Website. These third party network advertisers may set and access their own cookies on your computer. We do not have control over cookies placed by advertisers. The use of cookies by third parties is subject to such third party's own privacy policies.
Changes to Privacy Policy and Notice
TheSavvyMoney.com may change this policy from time to time without prior notice.
YOU HEREBY AGREE TO ACCEPT NOTICES OF ANY CHANGE MADE TO THIS PRIVACY POLICY AND ANY APPLICABLE PERIODIC NOTICES REGARDING THIS PRIVACY POLICY BY THE POSTING OF SUCH PRIVACY POLICY ON THESAVVYMONEY.COM WEBSITE.
OTHER TERMS OF USE
BY ACCESSING AND USING THESAVVYMONEY.COM WEBSITE, YOU ARE AGREEING TO BE LEGALLY BOUND BY THESE TERMS OF USE.
By accessing or using TheSavvyMoney.com website, you are representing to TheSavvyMoney.com that you are at least 18 years old (or the minimum legal age in the jurisdiction in which you are viewing the Website). You may not use the Website for any unlawful purpose. TheSavvyMoney.com may change any term in these Terms of Use at any time without notice. The changes will appear in these Terms of Use, and your use of the Website after any changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes. Therefore, you should read these Terms of Use each time you access the Website or before you begin using the Website. You may print a copy of these Terms of Use for your reference. You understand and agree that the site owner may discontinue or change the Website at any time, without notice. You also understand and agree that TheSavvyMoney.com may discontinue or restrict your use of the Website for any reason without notice.
Termination and Web Site Modification
TheSavvyMoney.com may change the Website, including eliminating or discontinuing any content on or feature of the Website, at any time and in its sole discretion. TheSavvyMoney.com may also terminate your access to and use of the Website or any portion thereof, immediately, in the event TheSavvyMoney.com determines, in its sole discretion, that you have breached any of the terms and conditions of this Agreement or any applicable laws, rules or regulations, or at any time for any reason without cause.
Copyright and Limitations on Use
The content displayed on the TheSavvyMoney.com website (the "Content") is the property of TheSavvyMoney.com or its licensors and is protected by copyright and other intellectual property laws. The Content includes for example articles, stories, worksheets, and other items displayed on the site. The Website and the Content may only be used for your personal and noncommercial use. You agree not to reproduce, sell, adapt, or modify the Content without the express prior written consent of TheSavvyMoney.com.
TheSavvyMoney.com website includes facts, views, opinions and recommendations deemed of interest to its readers. TheSavvyMoney.com and the site owner are not giving investment advice, tax advice, legal advice, or other professional advice. TheSavvyMoney.com and its Content licensors do not guarantee or warrant the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions and recommendations or advocate the purchase or sale of any security or investment. You should always seek the assistance of a professional for advice on investments, tax, the law, or other professional matters.
The Website provide general personal financial information designed to inform and educate broad segments of the public. They do not take into account all of the unique circumstances that may affect a user's financial decisions, and nothing contained herein should be considered personalized investment advice that is tailored to the individual needs of users. The information obtained from the Website should not serve as the sole or primary basis for making investment decisions. Users should consult their financial advisors to develop a personalized plan that takes into account their individual needs and circumstances.
Stock and fund quotes reported through the TheSavvyMoney.com may be delayed. Before purchasing or selling securities or other investments you should always consult with a qualified broker or other qualified financial advisor to verify pricing information.
Disclaimer or Warranties and Liability
THE CONTENT ON THESAVVYMONEY.COM SITE, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THE WEBSITE ARE PROVIDED "AS IS," "AS AVAILABLE" AND WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THESAVVYMONEY.COM AND THE SITE OWNER AND LICENSORS DO NOT WARRANT AND SPECIFICALLY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF THE ACCURACY, COMPLETENESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT AVAILABLE THROUGH THE WEBSITE. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEBSITE AND YOUR RELIANCE THEREON. IN NO EVENT WILL THESAVVYMONEY.COM BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON OR IN CONNECTION WITH SUCH CONTENT OR THE WEBSITE.
Because some states or jurisdictions do not allow the exclusion or limitation of liability for damages or the exclusion of certain types of warranties, parts or all of the above limitation may not apply to you. If any applicable authority holds any portion of this section to be unenforceable, then TheSavvyMoney.com's liability will be limited to the fullest possible extent permitted by applicable law.
Indemnification
You agree to indemnify and hold the TheSavvyMoney.com, and their respective officers and employees, harmless from any claim or demand, including reasonable attorneys' fees, due to your violation of the terms and conditions of this Agreement or your infringement of any intellectual property or other right of any person or entity.
User Generated Postings
If you elect to post comments to any blogs that may be offered on the Website, you will be solely responsible for all content or other materials (the "Postings"). You agree and warrant that any Postings you post to the sites will be true and accurate, will not defame any person or invade any person's privacy, and will not infringe the proprietary rights of any person.
You agree to be fully responsible for your own Postings and agree to access and use the Website blogs at your own risk on an as-is basis. TheSavvyMoney.com cannot and does not guarantee that it will post display or continue to display Posting you or other users submit. Also, TheSavvyMoney.com reserves the right to edit or abridge Postings for any reason and to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any Posting, in whole or in part, in TheSavvyMoney.com's' sole discretion.
You also acknowledge that visitors to the sites may post comments about your Postings which may be derogatory, and that TheSavvyMoney.com has no obligation to monitor or delete any such Postings.
By submitting a Posting, you are granting TheSavvyMoney.com a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such Postings. By furnishing Postings, and without limiting the foregoing, you give TheSavvyMoney.com the right to use such Postings in any manner whatsoever and in any media now known or hereafter invented, including, without limitation, the right to combine your Postings with Postings of third parties in varied combinations.
You agree to indemnify and hold TheSavvyMoney.com and the site owner harmless from any claims, damages, losses or costs (including reasonable attorney's fees) that arise out of any of your Postings and any material contained therein.
Links to Third Party Sites
TheSavvyMoney.com webite contain hyperlinks to web sites operated by persons other than TheSavvyMoney.com. Such hyperlinks are provided for your reference and convenience only. You agree not to hold TheSavvyMoney.com responsible for the content or operation of such web sites. A hyperlink from the Website to another web site does not imply or mean that TheSavvyMoney.com endorses the content on that web site or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other web sites to which you might link from TheSavvyMoney.com website.
If you wish to make purchases from an area of the TheSavvyMoney.com website or a web site operated by a person other than TheSavvyMoney.com ("Third-Party Site") that is linked to the Website, you may be asked by the Third Party Site or other person from whom you are making the purchase to supply certain information, including credit card, debit card, or other payment mechanism information. You agree not to hold TheSavvyMoney.com liable for any loss or damage of any sort incurred as a result of any such dealings with any Third Party Site or other person from whom you are making the purchase. You agree that all information you provide in connection with such purchase will be accurate, complete and current. You agree to pay all charges incurred by users of your credit card, debit card, or other payment mechanism at the prices in effect when such charges are incurred. You also will pay any applicable taxes, if any, relating to any purchases you make. Each Third Party Site will be governed by its own privacy policy and will contain a description of such privacy policy regarding any personal identifying information you may be required to disclose as part of the purchase.
International Users
TheSavvyMoney.com is solely directed to individuals residing in the United States. TheSavvyMoney.com makes no representation that materials in the Website are appropriate or available for use in other locations. Those who choose to access the Website from other locations do so at their own risk, and are responsible for compliance with all applicable local laws. If you are outside the United States, you understand and agree that should you provide TheSavvyMoney.com any information about yourself, you are consenting to the transfer of that information to the United States.
Miscellaneous Legal Terms
This Agreement contains the final and entire agreement between us regarding your access or use of the Services and supersedes all previous and contemporaneous oral or written agreements regarding your use of TheSavvyMoney.com website. We may discontinue or change the Website, or their availability to you, at any time. This Agreement is personal to you, which means that you may not assign your rights or obligations under this Agreement to anyone. No third party is a beneficiary of this Agreement. If any provision of this Agreement or its application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of the Agreement, or the application of such provision in other circumstances, shall not be affected thereby, and each provision shall be valid and enforced to the fullest extent permitted by law. You agree that this Agreement, as well as any and all claims arising from this Agreement will be governed by and construed in accordance with the laws of the State of California, United States of America applicable to contracts made entirely within California and wholly performed in California, without regard to any conflict or choice of law principles. All disputes under this Agreement shall be resolved by litigation in the courts of San Mateo County in the State of California including the federal courts therein and the parties all consent to the exclusive jurisdiction of such courts, agree to accept service of process by mail, and hereby waive any jurisdictional or venue defenses otherwise available to it. This Agreement will not be governed by the United Nations Convention on Contracts for the International Sale of Goods.
Privacy Policy and Terms of Use
Updated May 3, 2010
General
Purpose of this Privacy Policy and Terms of Use
This Privacy Policy and the Terms of Use describes the terms and conditions that you are agreeing to as a condition to access TheSavvyMoney.com ("Website") and how the site owner treats the personally identifiable information that is collected about you when you visit the Website.
What is Personally Identifiable Information
"Personally identifiable information" is information that we can use to identify you as an individual. Personally identifiable information includes your name, address, telephone number and any other information that is connected with your identity.
Information This Privacy Policy Does Not Apply to
This Privacy Policy and Terms of Use does not apply to information collected about you by anyone except TheSavvyMoney.com and only applies to the pages of the Website. Any information you provide when you visit web sites other than the Website or when you purchase any products or services that may be linked to or advertised on the Website by companies other than TheSavvyMoney.com is subject to the privacy policies of the third parties who run and/or own these web sites. Unless otherwise specified herein, this policy also does not apply to information you may provide to us offline.
Children
TheSavvyMoney.com website is not intended for use by children, especially those under age 13. No one under age 13 is allowed to provide any personal information or use our blog area to provide comments.
Information We Collect
All content and tools on TheSavvyMoney.com site, such as articles, widgets, delayed stock quotes and basic worksheets, are available to all users at no charge (free) without registration. TheSavvyMoney.com does not collect any personally identifiable information from you when you visit the Website.
Collection of Personally Identifiable Information
Personally identifiable information may sometimes be collected by third party service providers with whom TheSavvyMoney.com contracts to host the web site or to fulfill requests for services; in that event, TheSavvyMoney.com uses this information to provide you with the service you have requested.
Web Site Usage Information
TheSavvyMoney.com automatically collects IP addresses and web site usage information from you when you visit the Website. This information helps us evaluate how our users navigate and use our web site, including the number and frequency of visitors and views for each web page, and the length of their visits.
Website Submissions
Please be advised that any submissions on the Website (such as on the blog page) become the property of TheSavvyMoney.com and may be used by the site owner for any lawful purpose and you hereby grant TheSavvyMoney.com a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such submissions. TheSavvyMoney.com can edit, rewrite, use, and reuse the content, including your name and biographical information you provide, in any way and any media whether now known or invented in the future, with or without attribution.
Cookies
TheSavvyMoney.com (or third party service providers on our behalf) may set and access cookies on your computer. A cookie is a small amount of data (often including a unique identifier), that is sent to your browser from a web site's computers and stored on your computer's hard drive. To the extent that TheSavvyMoney.com utilizes third party service providers to set and access cookies on the computer of our web site users on behalf of the Website, TheSavvyMoney.com asks such service providers to agree to maintain the anonymity of the information collected and not to use such information for any reason except to carry out the purpose(s) for which we hired them.
We use reputable third parties to present or serve some or all of the advertisements on the Website. These third party network advertisers may set and access their own cookies on your computer. We do not have control over cookies placed by advertisers. The use of cookies by third parties is subject to such third party's own privacy policies.
Changes to Privacy Policy and Notice
TheSavvyMoney.com may change this policy from time to time without prior notice.
YOU HEREBY AGREE TO ACCEPT NOTICES OF ANY CHANGE MADE TO THIS PRIVACY POLICY AND ANY APPLICABLE PERIODIC NOTICES REGARDING THIS PRIVACY POLICY BY THE POSTING OF SUCH PRIVACY POLICY ON THESAVVYMONEY.COM WEBSITE.
OTHER TERMS OF USE
BY ACCESSING AND USING THESAVVYMONEY.COM WEBSITE, YOU ARE AGREEING TO BE LEGALLY BOUND BY THESE TERMS OF USE.
By accessing or using TheSavvyMoney.com website, you are representing to TheSavvyMoney.com that you are at least 18 years old (or the minimum legal age in the jurisdiction in which you are viewing the Website). You may not use the Website for any unlawful purpose. TheSavvyMoney.com may change any term in these Terms of Use at any time without notice. The changes will appear in these Terms of Use, and your use of the Website after any changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes. Therefore, you should read these Terms of Use each time you access the Website or before you begin using the Website. You may print a copy of these Terms of Use for your reference. You understand and agree that the site owner may discontinue or change the Website at any time, without notice. You also understand and agree that TheSavvyMoney.com may discontinue or restrict your use of the Website for any reason without notice.
Termination and Web Site Modification
TheSavvyMoney.com may change the Website, including eliminating or discontinuing any content on or feature of the Website, at any time and in its sole discretion. TheSavvyMoney.com may also terminate your access to and use of the Website or any portion thereof, immediately, in the event TheSavvyMoney.com determines, in its sole discretion, that you have breached any of the terms and conditions of this Agreement or any applicable laws, rules or regulations, or at any time for any reason without cause.
Copyright and Limitations on Use
The content displayed on the TheSavvyMoney.com website (the "Content") is the property of TheSavvyMoney.com or its licensors and is protected by copyright and other intellectual property laws. The Content includes for example articles, stories, worksheets, and other items displayed on the site. The Website and the Content may only be used for your personal and noncommercial use. You agree not to reproduce, sell, adapt, or modify the Content without the express prior written consent of TheSavvyMoney.com.
TheSavvyMoney.com website includes facts, views, opinions and recommendations deemed of interest to its readers. TheSavvyMoney.com and the site owner are not giving investment advice, tax advice, legal advice, or other professional advice. TheSavvyMoney.com and its Content licensors do not guarantee or warrant the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions and recommendations or advocate the purchase or sale of any security or investment. You should always seek the assistance of a professional for advice on investments, tax, the law, or other professional matters.
The Website provide general personal financial information designed to inform and educate broad segments of the public. They do not take into account all of the unique circumstances that may affect a user's financial decisions, and nothing contained herein should be considered personalized investment advice that is tailored to the individual needs of users. The information obtained from the Website should not serve as the sole or primary basis for making investment decisions. Users should consult their financial advisors to develop a personalized plan that takes into account their individual needs and circumstances.
Stock and fund quotes reported through the TheSavvyMoney.com may be delayed. Before purchasing or selling securities or other investments you should always consult with a qualified broker or other qualified financial advisor to verify pricing information.
Disclaimer or Warranties and Liability
THE CONTENT ON THESAVVYMONEY.COM SITE, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THE WEBSITE ARE PROVIDED "AS IS," "AS AVAILABLE" AND WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THESAVVYMONEY.COM AND THE SITE OWNER AND LICENSORS DO NOT WARRANT AND SPECIFICALLY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF THE ACCURACY, COMPLETENESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT AVAILABLE THROUGH THE WEBSITE. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEBSITE AND YOUR RELIANCE THEREON. IN NO EVENT WILL THESAVVYMONEY.COM BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON OR IN CONNECTION WITH SUCH CONTENT OR THE WEBSITE.
Because some states or jurisdictions do not allow the exclusion or limitation of liability for damages or the exclusion of certain types of warranties, parts or all of the above limitation may not apply to you. If any applicable authority holds any portion of this section to be unenforceable, then TheSavvyMoney.com's liability will be limited to the fullest possible extent permitted by applicable law.
Indemnification
You agree to indemnify and hold the TheSavvyMoney.com, and their respective officers and employees, harmless from any claim or demand, including reasonable attorneys' fees, due to your violation of the terms and conditions of this Agreement or your infringement of any intellectual property or other right of any person or entity.
User Generated Postings
If you elect to post comments to any blogs that may be offered on the Website, you will be solely responsible for all content or other materials (the "Postings"). You agree and warrant that any Postings you post to the sites will be true and accurate, will not defame any person or invade any person's privacy, and will not infringe the proprietary rights of any person.
You agree to be fully responsible for your own Postings and agree to access and use the Website blogs at your own risk on an as-is basis. TheSavvyMoney.com cannot and does not guarantee that it will post display or continue to display Posting you or other users submit. Also, TheSavvyMoney.com reserves the right to edit or abridge Postings for any reason and to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any Posting, in whole or in part, in TheSavvyMoney.com's' sole discretion.
You also acknowledge that visitors to the sites may post comments about your Postings which may be derogatory, and that TheSavvyMoney.com has no obligation to monitor or delete any such Postings.
By submitting a Posting, you are granting TheSavvyMoney.com a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such Postings. By furnishing Postings, and without limiting the foregoing, you give TheSavvyMoney.com the right to use such Postings in any manner whatsoever and in any media now known or hereafter invented, including, without limitation, the right to combine your Postings with Postings of third parties in varied combinations.
You agree to indemnify and hold TheSavvyMoney.com and the site owner harmless from any claims, damages, losses or costs (including reasonable attorney's fees) that arise out of any of your Postings and any material contained therein.
Links to Third Party Sites
TheSavvyMoney.com webite contain hyperlinks to web sites operated by persons other than TheSavvyMoney.com. Such hyperlinks are provided for your reference and convenience only. You agree not to hold TheSavvyMoney.com responsible for the content or operation of such web sites. A hyperlink from the Website to another web site does not imply or mean that TheSavvyMoney.com endorses the content on that web site or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other web sites to which you might link from TheSavvyMoney.com website.
If you wish to make purchases from an area of the TheSavvyMoney.com website or a web site operated by a person other than TheSavvyMoney.com ("Third-Party Site") that is linked to the Website, you may be asked by the Third Party Site or other person from whom you are making the purchase to supply certain information, including credit card, debit card, or other payment mechanism information. You agree not to hold TheSavvyMoney.com liable for any loss or damage of any sort incurred as a result of any such dealings with any Third Party Site or other person from whom you are making the purchase. You agree that all information you provide in connection with such purchase will be accurate, complete and current. You agree to pay all charges incurred by users of your credit card, debit card, or other payment mechanism at the prices in effect when such charges are incurred. You also will pay any applicable taxes, if any, relating to any purchases you make. Each Third Party Site will be governed by its own privacy policy and will contain a description of such privacy policy regarding any personal identifying information you may be required to disclose as part of the purchase.
International Users
TheSavvyMoney.com is solely directed to individuals residing in the United States. TheSavvyMoney.com makes no representation that materials in the Website are appropriate or available for use in other locations. Those who choose to access the Website from other locations do so at their own risk, and are responsible for compliance with all applicable local laws. If you are outside the United States, you understand and agree that should you provide TheSavvyMoney.com any information about yourself, you are consenting to the transfer of that information to the United States.
Miscellaneous Legal Terms
This Agreement contains the final and entire agreement between us regarding your access or use of the Services and supersedes all previous and contemporaneous oral or written agreements regarding your use of TheSavvyMoney.com website. We may discontinue or change the Website, or their availability to you, at any time. This Agreement is personal to you, which means that you may not assign your rights or obligations under this Agreement to anyone. No third party is a beneficiary of this Agreement. If any provision of this Agreement or its application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of the Agreement, or the application of such provision in other circumstances, shall not be affected thereby, and each provision shall be valid and enforced to the fullest extent permitted by law. You agree that this Agreement, as well as any and all claims arising from this Agreement will be governed by and construed in accordance with the laws of the State of California, United States of America applicable to contracts made entirely within California and wholly performed in California, without regard to any conflict or choice of law principles. All disputes under this Agreement shall be resolved by litigation in the courts of San Mateo County in the State of California including the federal courts therein and the parties all consent to the exclusive jurisdiction of such courts, agree to accept service of process by mail, and hereby waive any jurisdictional or venue defenses otherwise available to it. This Agreement will not be governed by the United Nations Convention on Contracts for the International Sale of Goods.