Terms of Service
Terms and conditions for using HeySavings website and services
*Last updated: January 24, 2024*
## Agreement to Terms
These Terms of Service ("Terms") govern your use of the HeySavings website located at heysavings.com (the "Service") operated by HeySavings ("we," "us," or "our").
By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.
## Use of Our Service
### Eligibility
You must be at least 18 years old to use our Service. By using our Service, you represent and warrant that you are at least 18 years of age.
### Acceptable Use
You agree not to use the Service:
- For any unlawful purpose or to solicit others to perform unlawful acts
- To violate any international, federal, provincial, or state regulations, laws, or local ordinances
- To infringe upon or violate our intellectual property rights or the intellectual property rights of others
- To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
- To submit false or misleading information
- To upload or transmit viruses or any other type of malicious code
- To interfere with or circumvent the security features of the Service
## Intellectual Property Rights
The Service and its original content, features, and functionality are and will remain the exclusive property of HeySavings and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.
## User Content
Our Service does not allow users to post content. However, if you provide feedback, suggestions, or other communications to us, you grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free license to use such content in any manner.
## Privacy
Your use of our Service is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.
## Disclaimers
### Information Disclaimer
The information on this website is provided for general informational and educational purposes only. It is not intended as, and should not be construed as, financial, legal, tax, insurance, or investment advice.
### No Professional Relationship
Use of this website does not create a professional-client relationship. You should consult with qualified professionals for advice specific to your situation.
### Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.
### Calculator Disclaimer
Our calculators are provided as tools for general guidance and illustration purposes only. Results are estimates based on the information you provide and should not be relied upon for financial decisions. Actual results may vary.
## Third-Party Links
Our Service may contain links to third-party websites or services that are not owned or controlled by HeySavings. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
## Lead Generation Services
When you submit a request for quotes or information about financial products through our Service, you understand and agree that:
- We will share your information with our network of partners who may contact you with quotes and offers
- You may receive communications from multiple providers
- We may receive compensation from our partners when you submit your information
- You are under no obligation to purchase any products or services from our partners
## Affiliate Disclosure
We participate in various affiliate advertising programs. We may receive compensation when you click on links to products and services from our affiliate partners. This compensation does not influence our recommendations, which are based on our research and experience.
## Limitation of Liability
In no event shall HeySavings, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your use or inability to use the Service
- Any unauthorized access to or use of our servers
- Any interruption or cessation of transmission to or from our Service
- Any bugs, viruses, trojan horses, or the like that may be transmitted through the Service
- Any errors or omissions in any content
## Indemnification
You agree to defend, indemnify, and hold harmless HeySavings and its licensees and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).
## Termination
We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
## Governing Law
These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
## Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.
## Contact Information
If you have any questions about these Terms, please contact us at:
**HeySavings**
Email: legal@heysavings.com
Address: United States
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*By using HeySavings, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.*