Thesmilemoney.com is owned and operated by Javitusa Media, LLC. As such, “Smile Money”, “The Smile Money”, “thesmilemoney.com”,  and “Javitusa.” are interchangeable within the context of these disclaimers and policies.

General Disclaimer

The content of thesmilemoney.com is for general information purposes only and does not constitute professional advice. Smile Money tries to provide content that is true and accurate as of the date of writing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. Visitors to thesmilemoney.com should not act upon the content or information without first seeking appropriate professional advice.

The Smile Money is not intended to be a source for professional advice. Visitors to thesmilemoney.com should always seek the advice of an appropriately qualified professional. Smile Money assumes no responsibility for information contained on this website and disclaims all liability in respect of such information. In addition, none of its content will form any part of any contract between us or constitute any type of offer by thesmilemoney.com. Specific disclaimers may apply in addition to certain content or parts of the site.

The Smile Money accepts no responsibility for and excludes all liability in connection with browsing this web site, use of information or downloading any materials from it, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements. The information at this web site might include opinions or views which, unless expressly stated otherwise, are not necessarily those of thesmilemoney.com or any associated company or any person in relation to whom they would have any liability or responsibility.

All content and information at thesmilemoney.com might be changed or updated without notice. Smile Money might also make changes or improvements at any time without notice.

This website is provided “as is” and thesmilemoney.com expressly disclaims any and all warranties, express or implied, to the extent permitted by law, including but not limited to warranties of satisfactory quality, merchantability, or fitness for a particular purpose, with respect to the service or any materials.

Phroogal.com hereby excludes liability for any claims, losses, demands, or damages of any kind whatsoever with regard to any information, content, or services provided at our web site, including but not limited to direct, indirect, incidental, or consequential loss or damages, compensatory damages, loss of profits, or data, or otherwise.

Disclaimer of Endorsement

Reference within this site to any specific commercial or non-commercial product, process, or service by trade name, trademark, manufacturer or otherwise does not constitute or imply an endorsement, recommendation, or favoring by Smile Money.

The views and opinions of the authors of content published at thesmilemoney.com do not necessarily state or reflect the opinion of Smile Money or its owners, and cannot be used for advertising or product endorsement purposes.

References to books, software, websites, or products as “Recommended by Smile Money” are specific suggestions only and do not necessarily constitute or imply an endorsement.

FTC Disclaimer

In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site. For product or service reviews, we will have received the product or access to the service for free. For product and service giveaways, we will have received the product or access to the service for free. Any rates or third party offers listed on this site change without notice and may be out of date. For the latest rate or offer information please consult with the institution or organization. We endeavor to keep all information up to date but that’s not always possible given how quickly things change.

Credit Card Advertisement Disclosure

The credit card offers that appear on the website are from credit card companies from which Smile Money receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.

Links to external, or third-party web sites, are provided solely for visitors’ convenience. Links taken to other sites are done so at your own risk and Smile Money accepts no liability for any linked sites or their content. When you access an external website, keep in mind that thesmilemoney.com has no control over its content.

Any link from thesmilemoney.com to an external website does not imply or mean that thesmilemoney.com endorses or accepts any responsibility for the content or the use of such web site. Smile Money does not give any representation regarding the quality, safety, suitability, or reliability of any external websites or any of the content or materials contained in them. It is important for users to take necessary precautions, especially to ensure appropriate safety from viruses, worms, Trojan horses and other potentially destructive items.

When visiting external web sites, users should review those web sites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Last Updated: April 1, 2024