These terms and conditions (“Terms”, “Agreement”) are an agreement between Alviral d.o.o., the operator of Moneywise Moms (“Moneywise Moms”, “us”, “we” or “our”), and you (“User”, “you” or “your”). This Agreement sets forth the general terms and conditions of your use of the https://moneywisemoms.com/ website and any of its content, features, products or services (collectively, the “Website” or “Services”).
By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy, which is incorporated into this Agreement by reference. If you do not agree with these Terms, please do not use the Website.
Age requirement
You must be at least 13 years of age to use this Website. By using this Website and agreeing to this Agreement, you represent and warrant that you are at least 13 years of age.
General information and content
The content published on Moneywise Moms, including articles, money-saving tips, budgeting ideas, shopping recommendations, product information, recipes, meal planning suggestions, and lifestyle content, is provided for general informational and educational purposes only.
Our content is intended to offer practical ideas and inspiration for everyday living. While we make reasonable efforts to provide useful and accurate information, we do not guarantee that all information is complete, current, or free from errors.
Financial information, budgeting suggestions, savings strategies, and shopping recommendations published on this Website should not be considered professional financial, investment, tax, or legal advice. Every household and financial situation is different, and you should consult a qualified professional before making important financial decisions.
Prices, discounts, product availability, and promotional offers mentioned on the Website may change without notice. We encourage readers to verify current information directly with the relevant retailer, manufacturer, or service provider before making a purchase.
Recipes, ingredient suggestions, and meal planning information are provided for general informational purposes. Nutritional information, when included, is approximate and may vary depending on ingredients, brands, and portion sizes. Readers are responsible for checking ingredients, allergens, and food safety requirements.
Your use of any information published on this Website is entirely at your own discretion and risk.
User content
You may have the opportunity to submit comments, messages, suggestions, or other materials (“User Content”) through the Website or its communication channels.
You retain ownership of any original content you submit. By submitting User Content, you grant us a non-exclusive, royalty-free license to use, reproduce, display, distribute, and store that content as reasonably necessary to operate, maintain, and improve the Website and its Services.
You are solely responsible for the accuracy, legality, originality, and appropriateness of any User Content you submit. You must not submit content that infringes upon the rights of others, contains unlawful material, or is misleading, abusive, or harmful.
We reserve the right, but are not obligated, to review, edit, restrict, or remove User Content that we consider inappropriate, unlawful, or in violation of these Terms.
Links to other websites
The Website may contain links to third-party websites, products, services, retailers, and other external resources.
These links are provided for convenience and informational purposes. Unless expressly stated otherwise, their inclusion does not imply that Moneywise Moms endorses, sponsors, or is affiliated with those websites or businesses.
We have no control over the content, policies, products, services, or practices of third-party websites and accept no responsibility for them.
You should review the terms of use and privacy policies of any third-party website you visit. Accessing external websites through links on Moneywise Moms is at your own risk.
Advertisements and affiliate relationships
The Website may display advertisements from third-party advertising partners. These advertisements may be selected based on various factors, including your browsing activity, interests, or the content of the Website, subject to applicable privacy settings and laws.
We may also participate in affiliate marketing programs. This means that some links on the Website may be affiliate links, and we may earn a commission if you make a purchase through those links, at no additional cost to you.
Any purchase, transaction, or interaction you have with an advertiser, retailer, or other third party is solely between you and that third party.
We are not responsible for the products, services, claims, offers, or business practices of third-party advertisers or merchants.
Prohibited uses
In addition to other restrictions set forth in this Agreement, you are prohibited from using the Website or its Content:
(a) For any unlawful purpose or in violation of applicable laws and regulations;
(b) To solicit others to perform or participate in unlawful activities;
(c) To infringe upon or violate our intellectual property rights or the intellectual property rights of others;
(d) To harass, abuse, threaten, insult, defame, discriminate against, or harm others;
(e) To submit false, misleading, fraudulent, or deceptive information;
(f) To upload or transmit viruses, malware, or any other malicious code that could affect the functionality or security of the Website;
(g) To collect or track the personal information of other users without authorization;
(h) To send spam, phishing messages, or other unsolicited communications;
(i) To reproduce, copy, scrape, or redistribute Website content for commercial purposes without our prior written permission;
(j) To interfere with, disable, or circumvent the security features of the Website or any related services; or
(k) To use the Website in any manner that could damage, disrupt, or impair its operation.
We reserve the right to restrict or terminate access to the Website for users who violate these Terms.
Intellectual property rights
All original content published on Moneywise Moms, including articles, text, graphics, logos, images, website design, and other materials, is owned by or licensed to Alviral d.o.o. and is protected by applicable intellectual property and copyright laws.
All trademarks, service marks, graphics, and logos used in connection with the Website are the property of their respective owners.
You may access, read, print, or save Website content for your personal, non-commercial use, provided that you do not remove copyright notices or other ownership information.
You may not reproduce, republish, modify, distribute, sell, or commercially exploit any Website content without our prior written consent.
Unauthorized use of our content may violate copyright and other applicable laws.
Disclaimer of warranty
Your use of the Website and its Services is entirely at your own risk. The Website and all content and services are provided on an “as is” and “as available” basis.
To the fullest extent permitted by applicable law, we disclaim all warranties, whether express or implied, including warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, and non-infringement.
We do not guarantee that the Website will always be available, uninterrupted, secure, or free from errors, viruses, or other harmful components.
We make no warranty regarding the accuracy or reliability of information obtained through the Website or the results that may be achieved by using such information.
Any reliance you place on information published on Moneywise Moms is at your own discretion and risk.
Limitation of liability
To the fullest extent permitted by applicable law, Alviral d.o.o., Moneywise Moms, and their affiliates, directors, officers, employees, agents, partners, and service providers shall not be liable for any indirect, incidental, special, punitive, or consequential damages arising from or related to your use of, or inability to use, the Website or its Services.
This includes, without limitation, any loss of profits, revenue, data, savings, business opportunities, or other financial or personal losses resulting from reliance on Website content, third-party products, services, advertisements, or external links.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
Indemnification
You agree to indemnify and hold harmless Alviral d.o.o., Moneywise Moms, and their affiliates, directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and reasonable legal expenses arising out of or related to your violation of these Terms, your misuse of the Website, your User Content, or your infringement of any third-party rights.
Severability
If any provision of this Agreement is found to be invalid, unlawful, or unenforceable under applicable law, that provision shall be limited or removed to the minimum extent necessary.
The remaining provisions of this Agreement shall continue in full force and effect.
Dispute resolution
The formation, interpretation, and performance of this Agreement, and any disputes arising out of or relating to it, shall be governed by the laws of the Federation of Bosnia and Herzegovina and, to the extent applicable, the laws of Bosnia and Herzegovina, without regard to conflict of law principles.
The competent courts at the registered seat of Alviral d.o.o. in the Federation of Bosnia and Herzegovina shall have jurisdiction over disputes arising out of or relating to this Agreement.
Nothing in this section limits any mandatory consumer protection rights you may have under the laws of the country in which you reside.
Assignment
You may not assign, transfer, resell, or sublicense any of your rights or obligations under this Agreement without our prior written consent.
We may assign or transfer our rights and obligations under this Agreement to a third party in connection with a merger, acquisition, restructuring, or transfer of all or substantially all of our business assets, subject to applicable law.
Changes and amendments
We reserve the right to update, modify, or replace these Terms at any time.
Any changes will become effective when the updated version is published on the Website. We will revise the “Last Updated” date to reflect such changes.
Your continued use of the Website after updated Terms have been published constitutes your acceptance of the revised Terms, to the extent permitted by applicable law.
Acceptance of these Terms
By accessing or using Moneywise Moms, you acknowledge that you have read, understood, and agreed to these Terms of Use and our Privacy Policy.
If you do not agree with any part of this Agreement, you should discontinue using the Website.
Contacting us
If you have any questions, concerns, or requests regarding these Terms of Use, please contact us:
Email: [email protected]
Moneywise Moms
Website: https://moneywisemoms.com/
Alviral d.o.o.
Address: Bisce polje bb, Mostar, 88000, BiH