TERMS OF SERVICE AGREEMENT

PLEASE READ THE FOLLOWING TERMS OF SERVICE AGREEMENT CAREFULLY. BY

ACCESSING OR USING OUR SITES AND OUR SERVICES, YOU HEREBY AGREE TO BE

BOUND BY THE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IT IS

THE RESPONSIBILITY OF YOU, THE USER, CUSTOMER, OR PROSPECTIVE CUSTOMER

TO READ THE TERMS AND CONDITIONS BEFORE PROCEEDING TO USE THIS SITE. IF

YOU DO NOT EXPRESSLY AGREE TO ALL OF THE TERMS AND CONDITIONS, THEN

PLEASE DO NOT ACCESS OR USE OUR SITES OR OUR SERVICES. THIS TERMS OF

SERVICE AGREEMENT IS EFFECTIVE AS OF 01/17/2019.

ACCEPTANCE OF TERMS

The following Terms of Service Agreement (the “TOS”) is a legally binding agreement that shall

govern the relationship with our users and others which may interact or interface with Smart On

Budget, also known as , located at 1160 5th Ave, New York, New York 10029 and our

subsidiaries and affiliates, in association with the use of the website, which includes

https://smartonbudget.com, (the “Site”) and its Services, which shall be defined below.

DESCRIPTION OF WEBSITE SERVICES OFFERED

The Site is an e-commerce website which has the following description:

Provide you the products with the best price and service.

Any and all visitors to our site, despite whether they are registered or not, shall be deemed as

“users” of the herein contained Services provided for the purpose of this TOS. Once an individual

register’s for our Services, through the process of creating an account, the user shall then be

considered a “member.”

The user and/or member acknowledges and agrees that the Services provided and made

available through our website and applications, which may include some mobile applications and

that those applications may be made available on various social media networking sites and

numerous other platforms and downloadable programs, are the sole property of Smart On

Budget. At its discretion, Smart On Budget may offer additional website Services and/or products,

or update, modify or revise any current content and Services, and this Agreement shall apply to

any and all additional Services and/or products and any and all updated, modified or revised

Services unless otherwise stipulated. Smart On Budget does hereby reserve the right to cancel

and cease offering any of the aforementioned Services and/or products. You, as the end user

and/or member, acknowledge, accept and agree that Smart On Budget shall not be held liable for

any such updates, modifications, revisions, suspensions or discontinuance of any of our Services

and/or products. Your continued use of the Services provided, after such posting of any updates,

changes, and/or modifications shall constitute your acceptance of such updates, changes and/or

modifications, and as such, frequent review of this Agreement and any and all applicable terms

and policies should be made by you to ensure you are aware of all terms and policies currently in

effect. Should you not agree to the updated, revised or modified terms, you must stop using the

provided Services forthwith.

Furthermore, the user and/or member understands, acknowledges and agrees that the Services

offered shall be provided “AS IS” and as such Smart On Budget shall not assume any

responsibility or obligation for the timeliness, missed delivery, deletion and/or any failure to store

user content, communication or personalization settings.

REGISTRATION

To register and become a “member” of the Site, you must be at least 18 years of age to enter into

and form a legally binding contract. In addition, you must be in good standing and not an

individual that has been previously barred from receiving ‘s Services under the laws and statutes

of the United States or other applicable jurisdiction.

When you register, may collect information such as your name, e-mail address, birth date,

gender, mailing address, occupation, industry and personal interests. You can edit your account

information at any time. Once you register with and sign in to our Services, you are no longer

anonymous to us.

Furthermore, the registering party hereby acknowledges, understands and agrees to:

a) furnish factual, correct, current and complete information with regards to yourself as may

be requested by the data registration process, and

b) maintain and promptly update your registration and profile information in an effort to

maintain accuracy and completeness at all times.

If anyone knowingly provides any information of a false, untrue, inaccurate or incomplete nature,

Smart On Budget will have sufficient grounds and rights to suspend or terminate the member in

violation of this aspect of the Agreement, and as such refuse any and all current or future use of

Smart On Budget Services, or any portion thereof.

It is Smart On Budget’s priority to ensure the safety and privacy of all its visitors, users and

members, especially that of children. Therefore, it is for this reason that the parents of any child

under the age of 13 that permit their child or children access to the website platform Services

must create a “family” account, which will certify that the individual creating the “family” account is

of 18 years of age and as such, the parent or legal guardian of any child or children registered

under the “family” account. As the creator of the “family” account, s/he is thereby granting

permission for his/her child or children to access the various Services provided, including, but not

limited to, message boards, email, and/or instant messaging. It is the parent’s and/or legal

guardian’s responsibility to determine whether any of the Services and/or content provided are

age-appropriate for his/her child.

PRIVACY POLICY

Every member’s registration data and various other personal information are strictly protected by

t h e Smart On Budget Online Privacy Policy (see the full Privacy Policy at

https://smartonbudget.com/privacy-policy/). As a member, you herein consent to the collection

and use of the information provided, including the transfer of information within the United States

and/or other countries for storage, processing or use by Smart On Budget and/or our subsidiaries

and affiliates.

MEMBER ACCOUNT, USERNAME, PASSWORD AND SECURITY

When you set up an account, you are the sole authorized user of your account. You shall be

responsible for maintaining the secrecy and confidentiality of your password and for all activities

that transpire on or within your account. It is your responsibility for any act or omission of any

user(s) that access your account information that, if undertaken by you, would be deemed a

violation of the TOS. It shall be your responsibility to notify Smart On Budget immediately if you

notice any unauthorized access or use of your account or password or any other breach of

security. Smart On Budget shall not be held liable for any loss and/or damage arising from any

failure to comply with this term and/or condition of the TOS.

CONDUCT

As a user or member of the Site, you herein acknowledge, understand and agree that all

information, text, software, data, photographs, music, video, messages, tags or any other

content, whether it is publicly or privately posted and/or transmitted, is the expressed sole

responsibility of the individual from whom the content originated. In short, this means that you are

solely responsible for any and all content posted, uploaded, emailed, transmitted or otherwise

made available by way of the Services, and as such, we do not guarantee the accuracy, integrity

or quality of such content. It is expressly understood that by use of our Services, you may be

exposed to content including, but not limited to, any errors or omissions in any content posted,

and/or any loss or damage of any kind incurred as a result of the use of any content posted,

emailed, transmitted or otherwise made available by .

Furthermore, you herein agree not to make use of Smart On Budget’s Services for the purpose

of:

a) uploading, posting, emailing, transmitting, or otherwise making available any content that

shall be deemed unlawful, harmful, threatening, abusive, harassing, tortious, defamatory,

vulgar, obscene, libelous, or invasive of another’s privacy or which is hateful, and/or

racially, ethnically, or otherwise objectionable;

b) causing harm to minors in any manner whatsoever;

c) impersonating any individual or entity, including, but not limited to, any officials, forum

leaders, guides or hosts or falsely stating or otherwise misrepresenting any affiliation with

an individual or entity;

d) forging captions, headings or titles or otherwise offering any content that you personally

have no right to pursuant to any law nor having any contractual or fiduciary relationship

with;

e) uploading, posting, emailing, transmitting or otherwise offering any such content that may

infringe upon any patent, copyright, trademark, or any other proprietary or intellectual

rights of any other party;

f) uploading, posting, emailing, transmitting or otherwise offering any content that you do not

personally have any right to offer pursuant to any law or in accordance with any

contractual or fiduciary relationship;

g) uploading, posting, emailing, transmitting, or otherwise offering any unsolicited or

unauthorized advertising, promotional flyers, “junk mail,” “spam,” or any other form of

solicitation, except in any such areas that may have been designated for such purpose;

h) uploading, posting, emailing, transmitting, or otherwise offering any source that may

contain a software virus or other computer code, any files and/or programs which have

been designed to interfere, destroy and/or limit the operation of any computer software,

hardware, or telecommunication equipment;

i) disrupting the normal flow of communication, or otherwise acting in any manner that would

negatively affect other users’ ability to participate in any real time interactions;

j) interfering with or disrupting any Smart On Budget Services, servers and/or networks that

may be connected or related to our website, including, but not limited to, the use of any

device software and/or routine to bypass the robot exclusion headers;

k) intentionally or unintentionally violating any local, state, federal, national or international

law, including, but not limited to, rules, guidelines, and/or regulations decreed by the U.S.

Securities and Exchange Commission, in addition to any rules of any nation or other

securities exchange, that would include without limitation, the New York Stock Exchange,

the American Stock Exchange, or the NASDAQ, and any regulations having the force of

law;

l) providing informational support or resources, concealing and/or disguising the character,

location, and or source to any organization delegated by the United States government as

a “foreign terrorist organization” in accordance to Section 219 of the Immigration

Nationality Act;

m) “stalking” or with the intent to otherwise harass another individual; and/or

n) collecting or storing of any personal data relating to any other member or user in

connection with the prohibited conduct and/or activities which have been set forth in the

aforementioned paragraphs.

Smart On Budget herein reserves the right to pre-screen, refuse and/or delete any content

currently available through our Services. In addition, we reserve the right to remove and/or delete

any such content that would violate the TOS or which would otherwise be considered offensive to

other visitors, users and/or members.

Smart On Budget herein reserves the right to access, preserve and/or disclose member account

information and/or content if it is requested to do so by law or in good faith belief that any such

action is deemed reasonably necessary for:

a) compliance with any legal process;

b) enforcement of the TOS;

c) responding to any claim that therein contained content is in violation of the rights of any

third party;

d) responding to requests for customer service; or

e) protecting the rights, property or the personal safety of Smart On Budget, its visitors, users

and members, including the general public.

Smart On Budget herein reserves the right to include the use of security components that may

permit digital information or material to be protected, and that such use of information and/or

material is subject to usage guidelines and regulations established by Smart On Budget or any

other content providers supplying content services to Smart On Budget. You are hereby

prohibited from making any attempt to override or circumvent any of the embedded usage rules in

our Services. Furthermore, unauthorized reproduction, publication, distribution, or exhibition of

any information or materials supplied by our Services, despite whether done so in whole or in

part, is expressly prohibited.

INTERSTATE COMMUNICATION

Upon registration, you hereby acknowledge that by using https://smartonbudget.com to send

electronic communications, which would include, but are not limited to, email, searches, instant

messages, uploading of files, photos and/or videos, you will be causing communications to be

sent through our computer network. Therefore, through your use, and thus your agreement with

this TOS, you are acknowledging that the use of this Service shall result in interstate

transmissions.

CAUTIONS FOR GLOBAL USE AND EXPORT AND IMPORT COMPLIANCE

Due to the global nature of the internet, through the use of our network you hereby agree to

comply with all local rules relating to online conduct and that which is considered acceptable

Content. Uploading, posting and/or transferring of software, technology and other technical data

may be subject to the export and import laws of the United States and possibly other countries.

Through the use of our network, you thus agree to comply with all applicable export and import

laws, statutes and regulations, including, but not limited to, the Export Administration Regulations

(http://www.access.gpo.gov/bis/ear/ear_data.html), as well as the sanctions control program of

the United States (http://www.treasury.gov/resourcecenter/

sanctions/Programs/Pages/Programs.aspx). Furthermore, you state and pledge that you:

a) are not on the list of prohibited individuals which may be identified on any government

export exclusion report (http://www.bis.doc.gov/complianceandenforcement/liststocheck.htm)

nor a member of any other government which may be part of an export-prohibited country

identified in applicable export and import laws and regulations;

b) agree not to transfer any software, technology or any other technical data through the use

of our network Services to any export-prohibited country;

c) agree not to use our website network Services for any military, nuclear, missile, chemical

or biological weaponry end uses that would be a violation of the U.S. export laws; and

d) agree not to post, transfer nor upload any software, technology or any other technical data

which would be in violation of the U.S. or other applicable export and/or import laws.

CONTENT PLACED OR MADE AVAILABLE FOR COMPANY SERVICES

Smart On Budget shall not lay claim to ownership of any content submitted by any visito,r

member, or user, nor make such content available for inclusion on our website Services.

Therefore, you hereby grant and allow for Smart On Budget the below listed worldwide, royaltyfree

and non-exclusive licenses, as applicable:

a) The content submitted or made available for inclusion on the publicly accessible areas of

Smart On Budget’s sites, the license provided to permit to use, distribute, reproduce,

modify, adapt, publicly perform and/or publicly display said Content on our network

Services is for the sole purpose of providing and promoting the specific area to which this

content was placed and/or made available for viewing. This license shall be available so

long as you are a member of Smart On Budget’s sites, and shall terminate at such time

when you elect to discontinue your membership.

b) Photos, audio, video and/or graphics submitted or made available for inclusion on the

publicly accessible areas of Smart On Budget’s sites, the license provided to permit to use,

distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content

on our network Services are for the sole purpose of providing and promoting the specific

area in which this content was placed and/or made available for viewing. This license shall

be available so long as you are a member of Smart On Budget’s sites and shall terminate

at such time when you elect to discontinue your membership.

c) For any other content submitted or made available for inclusion on the publicly accessible

areas of Smart On Budget’s sites, the continuous, binding and completely sub-licensable

license which is meant to permit to use, distribute, reproduce, modify, adapt, publish,

translate, publicly perform and/or publicly display said content, whether in whole or in part,

and the incorporation of any such Content into other works in any arrangement or medium

current used or later developed.

Those areas which may be deemed “publicly accessible” areas of Smart On Budget’s sites are

those such areas of our network properties which are meant to be available to the general public,

and which would include message boards and groups that are openly available to both users and

members. However, those areas which are not open to the public, and thus available to members

only, would include our mail system and instant messaging.

CONTRIBUTIONS TO COMPANY WEBSITE

Smart On Budget provides an area for our users and members to contribute feedback to our

website. When you submit ideas, documents, suggestions and/or proposals (“Contributions”) to

our site, you acknowledge and agree that:

a) your contributions do not contain any type of confidential or proprietary information;

b) shall not be liable or under any obligation to ensure or maintain confidentiality, expressed

or implied, related to any Contributions;

c) shall be entitled to make use of and/or disclose any such Contributions in any such

manner as they may see fit;

d) the contributor’s Contributions shall automatically become the sole property of ; and

e) is under no obligation to either compensate or provide any form of reimbursement in any

manner or nature.

INDEMNITY

All users and/or members herein agree to insure and hold Smart On Budget, our subsidiaries,

affiliates, agents, employees, officers, partners and/or licensors blameless or not liable for any

claim or demand, which may include, but is not limited to, reasonable attorney fees made by any

third party which may arise from any content a member or user of our site may submit, post,

modify, transmit or otherwise make available through our Services, the use of Services or your

connection with these Services, your violations of the Terms of Service and/or your violation of

any such rights of another person.

COMMERCIAL REUSE OF SERVICES

The member or user herein agrees not to replicate, duplicate, copy, trade, sell, resell nor exploit

for any commercial reason any part, use of, or access to ‘s sites.

USE AND STORAGE GENERAL PRACTICES

You herein acknowledge that Smart On Budget may set up any such practices and/or limits

regarding the use of our Services, without limitation of the maximum number of days that any

email, message posting or any other uploaded content shall be retained by Smart On Budget, nor

the maximum number of email messages that may be sent and/or received by any member, the

maximum volume or size of any email message that may be sent from or may be received by an

account on our Service, the maximum disk space allowable that shall be allocated on Smart On

Budget’s servers on the member’s behalf, and/or the maximum number of times and/or duration

that any member may access our Services in a given period of time. In addition, you also agree

that Smart On Budget has absolutely no responsibility or liability for the removal or failure to

maintain storage of any messages and/or other communications or content maintained or

transmitted by our Services. You also herein acknowledge that we reserve the right to delete or

remove any account that is no longer active for an extended period of time. Furthermore, Smart

On Budget shall reserve the right to modify, alter and/or update these general practices and limits

at our discretion.

Any messenger service, which may include any web-based versions, shall allow you and the

individuals with whom you communicate with the ability to save your conversations in your

account located on Smart On Budget’s servers. In this manner, you will be able to access and

search your message history from any computer with internet access. You also acknowledge that

others have the option to use and save conversations with you in their own personal account on

https://smartonbudget.com. It is your agreement to this TOS which establishes your consent to

allow Smart On Budget to store any and all communications on its servers.

MODIFICATIONS

Smart On Budget shall reserve the right at any time it may deem fit, to modify, alter and or

discontinue, whether temporarily or permanently, our service, or any part thereof, with or without

prior notice. In addition, we shall not be held liable to you or to any third party for any such

alteration, modification, suspension and/or discontinuance of our Services, or any part thereof.

TERMINATION

As a member of https://smartonbudget.com, you may cancel or terminate your account,

associated email address and/or access to our Services by submitting a cancellation or

termination request to info@smartonbudget.com.

As a member, you agree that Smart On Budget may, without any prior written notice, immediately

suspend, terminate, discontinue and/or limit your account, any email associated with your

account, and access to any of our Services. The cause for such termination, discontinuance,

suspension and/or limitation of access shall include, but is not limited to:

a) any breach or violation of our TOS or any other incorporated agreement, regulation and/or

guideline;

b) by way of requests from law enforcement or any other governmental agencies;

c) the discontinuance, alteration and/or material modification to our Services, or any part

thereof;

d) unexpected technical or security issues and/or problems;

e) any extended periods of inactivity;

f) any engagement by you in any fraudulent or illegal activities; and/or

g) the nonpayment of any associated fees that may be owed by you in connection with your

https://smartonbudget.com account Services.

Furthermore, you herein agree that any and all terminations, suspensions, discontinuances, and

or limitations of access for cause shall be made at our sole discretion and that we shall not be

liable to you or any other third party with regards to the termination of your account, associated

email address and/or access to any of our Services.

The termination of your account with https://smartonbudget.com shall include any and/or all of the

following:

a) the removal of any access to all or part of the Services offered within

https://smartonbudget.com;

b) the deletion of your password and any and all related information, files, and any such

content that may be associated with or inside your account, or any part thereof; and

c) the barring of any further use of all or part of our Services.

ADVERTISERS

Any correspondence or business dealings with, or the participation in any promotions of,

advertisers located on or through our Services, which may include the payment and/or delivery of

such related goods and/or Services, and any such other term, condition, warranty and/or

representation associated with such dealings, are and shall be solely between you and any such

advertiser. Moreover, you herein agree that Smart On Budget shall not be held responsible or

liable for any loss or damage of any nature or manner incurred as a direct result of any such

dealings or as a result of the presence of such advertisers on our website.

LINKS

Either Smart On Budget or any third parties may provide links to other websites and/or resources.

Thus, you acknowledge and agree that we are not responsible for the availability of any such

external sites or resources, and as such, we do not endorse nor are we responsible or liable for

any content, products, advertising or any other materials, on or available from such third party

sites or resources. Furthermore, you acknowledge and agree that Smart On Budget shall not be

responsible or liable, directly or indirectly, for any such damage or loss which may be a result of,

caused or allegedly to be caused by or in connection with the use of or the reliance on any such

content, goods or Services made available on or through any such site or resource.

PROPRIETARY RIGHTS

You do hereby acknowledge and agree that Smart On Budget’s Services and any essential

software that may be used in connection with our Services (“Software”) shall contain proprietary

and confidential material that is protected by applicable intellectual property rights and other laws.

Furthermore, you herein acknowledge and agree that any Content which may be contained in any

advertisements or information presented by and through our Services or by advertisers is

protected by copyrights, trademarks, patents or other proprietary rights and laws. Therefore,

except for that which is expressly permitted by applicable law or as authorized by Smart On

Budget or such applicable licensor, you agree not to alter, modify, lease, rent, loan, sell,

distribute, transmit, broadcast, publicly perform and/or created any plagiaristic works which are

based on Smart On Budget Services (e.g. Content or Software), in whole or part.

Smart On Budget herein has granted you personal, non-transferable and non-exclusive rights

and/or license to make use of the object code or our Software on a single computer, as long as

you do not, and shall not, allow any third party to duplicate, alter, modify, create or plagiarize work

from, reverse engineer, reverse assemble or otherwise make an attempt to locate or discern any

source code, sell, assign, sublicense, grant a security interest in and/or otherwise transfer any

such right in the Software. Furthermore, you do herein agree not to alter or change the Software

in any manner, nature or form, and as such, not to use any modified versions of the Software,

including and without limitation, for the purpose of obtaining unauthorized access to our Services.

Lastly, you also agree not to access or attempt to access our Services through any means other

than through the interface which is provided by Smart On Budget for use in accessing our

Services.

WARRANTY DISCLAIMERS

YOU HEREIN EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

a) THE USE OF SMART ON BUDGET SERVICES AND SOFTWARE ARE AT THE SOLE

RISK BY YOU. OUR SERVICES AND SOFTWARE SHALL BE PROVIDED ON AN “AS

IS” AND/OR “AS AVAILABLE” BASIS. SMART ON BUDGET AND OUR SUBSIDIARIES,

AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS

EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND WHETHER

EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED

WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR

PURPOSE AND NON-INFRINGEMENT.

b) SMART ON BUDGET AND OUR SUBSIDIARIES, OFFICERS, EMPLOYEES, AGENTS,

PARTNERS AND LICENSORS MAKE NO SUCH WARRANTIES THAT (i) SMART ON

BUDGET SERVICES OR SOFTWARE WILL MEET YOUR REQUIREMENTS; (ii) SMART

ON BUDGET SERVICES OR SOFTWARE SHALL BE UNINTERRUPTED, TIMELY,

SECURE OR ERROR-FREE; (iii) THAT SUCH RESULTS WHICH MAY BE OBTAINED

FROM THE USE OF THE SMART ON BUDGET SERVICES OR SOFTWARE WILL BE

ACCURATE OR RELIABLE; (iv) QUALITY OF ANY PRODUCTS, SERVICES, ANY

INFORMATION OR OTHER MATERIAL WHICH MAY BE PURCHASED OR OBTAINED

BY YOU THROUGH OUR SERVICES OR SOFTWARE WILL MEET YOUR

EXPECTATIONS; AND (v) THAT ANY SUCH ERRORS CONTAINED IN THE

SOFTWARE SHALL BE CORRECTED.

c) ANY INFORMATION OR MATERIAL DOWNLOADED OR OTHERWISE OBTAINED BY

WAY OF SMART ON BUDGET SERVICES OR SOFTWARE SHALL BE ACCESSED BY

YOUR SOLE DISCRETION AND SOLE RISK, AND AS SUCH YOU SHALL BE SOLELY

RESPONSIBLE FOR AND HEREBY WAIVE ANY AND ALL CLAIMS AND CAUSES OF

ACTION WITH RESPECT TO ANY DAMAGE TO YOUR COMPUTER AND/OR

INTERNET ACCESS, DOWNLOADING AND/OR DISPLAYING, OR FOR ANY LOSS OF

DATA THAT COULD RESULT FROM THE DOWNLOAD OF ANY SUCH INFORMATION

OR MATERIAL.

d) NO ADVICE AND/OR INFORMATION, DESPITE WHETHER WRITTEN OR ORAL, THAT

MAY BE OBTAINED BY YOU FROM SMART ON BUDGET OR BY WAY OF OR FROM

OUR SERVICES OR SOFTWARE SHALL CREATE ANY WARRANTY NOT EXPRESSLY

STATED IN THE TOS.

e) A SMALL PERCENTAGE OF SOME USERS MAY EXPERIENCE SOME DEGREE OF

EPILEPTIC SEIZURE WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR

BACKGROUNDS THAT MAY BE CONTAINED ON A COMPUTER SCREEN OR WHILE

USING OUR SERVICES. CERTAIN CONDITIONS MAY INDUCE A PREVIOUSLY

UNKNOWN CONDITION OR UNDETECTED EPILEPTIC SYMPTOM IN USERS WHO

HAVE SHOWN NO HISTORY OF ANY PRIOR SEIZURE OR EPILEPSY. SHOULD YOU,

ANYONE YOU KNOW OR ANYONE IN YOUR FAMILY HAVE AN EPILEPTIC

CONDITION, PLEASE CONSULT A PHYSICIAN IF YOU EXPERIENCE ANY OF THE

FOLLOWING SYMPTOMS WHILE USING OUR SERVICES: DIZZINESS, ALTERED

VISION, EYE OR MUSCLE TWITCHES, LOSS OF AWARENESS, DISORIENTATION,

ANY INVOLUNTARY MOVEMENT, OR CONVULSIONS.

LIMITATION OF LIABILITY

YOU EXPLICITLY ACKNOWLEDGE, UNDERSTAND AND AGREE THAT SMART ON BUDGET

AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS

AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY PUNITIVE, INDIRECT,

INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT

NOT LIMITED TO, DAMAGES WHICH MAY BE RELATED TO THE LOSS OF ANY PROFITS,

GOODWILL, USE, DATA AND/OR OTHER INTANGIBLE LOSSES, EVEN THOUGH WE MAY

HAVE BEEN ADVISED OF SUCH POSSIBILITY THAT SAID DAMAGES MAY OCCUR, AND

RESULT FROM:

a) THE USE OR INABILITY TO USE OUR SERVICE;

b) THE COST OF PROCURING SUBSTITUTE GOODS AND SERVICES;

c) UNAUTHORIZED ACCESS TO OR THE ALTERATION OF YOUR TRANSMISSIONS

AND/OR DATA;

d) STATEMENTS OR CONDUCT OF ANY SUCH THIRD PARTY ON OUR SERVICE;

e) AND ANY OTHER MATTER WHICH MAY BE RELATED TO OUR SERVICE.

RELEASE

In the event you have a dispute, you agree to release Smart On Budget (and its officers, directors,

employees, agents, parent subsidiaries, affiliates, co-branders, partners and any other third

parties) from claims, demands and damages (actual and consequential) of every kind and nature,

known and unknown, suspected or unsuspected, disclosed and undisclosed, arising out of or in

any way connected to such dispute.

SPECIAL ADMONITION RELATED TO FINANCIAL MATTERS

Should you intend to create or to join any service, receive or request any such news, messages,

alerts or other information from our Services concerning companies, stock quotes, investments or

securities, please review the above Sections Warranty Disclaimers and Limitations of Liability

again. In addition, for this particular type of information, the phrase “Let the investor beware” is

appropriate. Smart On Budget’s content is provided primarily for informational purposes, and no

content that shall be provided or included in our Services is intended for trading or investing

purposes. Smart On Budget and our licensors shall not be responsible or liable for the accuracy,

usefulness or availability of any information transmitted and/or made available by way of our

Services, and shall not be responsible or liable for any trading and/or investment decisions based

on any such information.

EXCLUSION AND LIMITATIONS

THERE ARE SOME JURISDICTIONS WHICH DO NOT ALLOW THE EXCLUSION OF CERTAIN

WARRANTIES OR THE LIMITATION OF EXCLUSION OF LIABILITY FOR INCIDENTAL OR

CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE ABOVE LIMITATIONS OF

SECTIONS WARRANTY DISCLAIMERS AND LIMITATION OF LIABILITY MAY NOT APPLY TO

YOU.

THIRD PARTY BENEFICIARIES

You herein acknowledge, understand and agree, unless otherwise expressly provided in this

TOS, that there shall be no third-party beneficiaries to this agreement.

NOTICE

Smart On Budget may furnish you with notices, including those with regards to any changes to

the TOS, including but not limited to email, regular mail, MMS or SMS, text messaging, postings

on our website Services, or other reasonable means currently known or any which may be herein

after developed. Any such notices may not be received if you violate any aspects of the TOS by

accessing our Services in an unauthorized manner. Your acceptance of this TOS constitutes your

agreement that you are deemed to have received any and all notices that would have been

delivered had you accessed our Services in an authorized manner.

TRADEMARK INFORMATION

You herein acknowledge, understand and agree that all of the Smart On Budget trademarks,

copyright, trade name, service marks, and other Smart On Budget logos and any brand features,

and/or product and service names are trademarks and as such, are and shall remain the property

o f Smart On Budget. You herein agree not to display and/or use in any manner theS mart On

Budget logo or marks without obtaining Smart On Budget’s prior written consent.

COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT CLAIMS NOTICE

& PROCEDURES

Smart On Budget will always respect the intellectual property of others, and we ask that all of our

users do the same. With regards to appropriate circumstances and at its sole discretion, Smart

On Budget may disable and/or terminate the accounts of any user who violates our TOS and/or

infringes the rights of others. If you feel that your work has been duplicated in such a way that

would constitute copyright infringement, or if you believe your intellectual property rights have

been otherwise violated, you should provide to us the following information:

a) The electronic or the physical signature of the individual that is authorized on behalf of the

owner of the copyright or other intellectual property interest;

b) A description of the copyrighted work or other intellectual property that you believe has

been infringed upon;

c) A description of the location of the site which you allege has been infringing upon your

work;

d) Your physical address, telephone number, and email address;

e) A statement, in which you state that the alleged and disputed use of your work is not

authorized by the copyright owner, its agents or the law;

f) And finally, a statement, made under penalty of perjury, that the aforementioned

information in your notice is truthful and accurate, and that you are the copyright or

intellectual property owner, representative or agent authorized to act on the copyright or

intellectual property owner’s behalf.

T h e Smart On Budget Agent for notice of claims of copyright or other intellectual property

infringement can be contacted as follows:

Mailing Address:

Smart On Budget

Attn: Copyright Agent

1160 5th Ave

New York, New York 10029

Telephone:

Email: info@smartonbudget.com

CLOSED CAPTIONING

BE IT KNOWN, that Smart On Budget complies with all applicable Federal Communications

Commission rules and regulations regarding the closed captioning of video content. For more

information, please visit our website at https://smartonbudget.com.

GENERAL INFORMATION

ENTIRE AGREEMENT

This TOS constitutes the entire agreement between you and Smart On Budget and shall govern

the use of our Services, superseding any prior version of this TOS between you and us with

respect to Smart On Budget Services. You may also be subject to additional terms and conditions

that may apply when you use or purchase certain other Smart On Budget Services, affiliate

Services, third-party content or third-party software.

CHOICE OF LAW AND FORUM

It is at the mutual agreement of both you and Smart On Budget with regard to the TOS that the

relationship between the parties shall be governed by the laws of the state of New York without

regard to its conflict of law provisions and that any and all claims, causes of action and/or

disputes, arising out of or relating to the TOS, or the relationship between you and Smart On

Budget, shall be filed within the courts having jurisdiction within the County of , or the U.S. District

Court located in said state. You and Smart On Budget agree to submit to the jurisdiction of the

courts as previously mentioned, and agree to waive any and all objections to the exercise of

jurisdiction over the parties by such courts and to venue in such courts.

WAIVER AND SEVERABILITY OF TERMS

At any time, should Smart On Budget fail to exercise or enforce any right or provision of the TOS,

such failure shall not constitute a waiver of such right or provision. If any provision of this TOS is

found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the

court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the

other provisions of the TOS remain in full force and effect.

NO RIGHT OF SURVIVORSHIP NON-TRANSFERABILITY

You acknowledge, understand and agree that your account is non-transferable and any rights to

your ID and/or contents within your account shall terminate upon your death. Upon receipt of a

copy of a death certificate, your account may be terminated and all contents therein permanently

deleted.

STATUTE OF LIMITATIONS

You acknowledge, understand and agree that regardless of any statute or law to the contrary, any

claim or action arising out of or related to the use of our Services or the TOS must be filed within

year(s) after said claim or cause of action arose or shall be forever barred.

VIOLATIONS

Please report any and all violations of this TOS to Smart On Budget as follows:

Mailing Address:

Smart On Budget

1160 5th Ave

New York, New York 10029

Email: info@smartonbudget.com