Terms and conditions of use

By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website. If you [register with our website, submit any material to our website or use any of our website services], we will ask you to expressly agree to these terms and conditions.

You must be at least [18] years of age to use our website; by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least [18] years of age.

Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our [privacy and cookies policy].

Licence to use website

You may: (a) view pages from our website in a web browser; (b) download pages from our website for caching in a web browser;(c)  print pages from our website; (d) [stream audio and video files from our website]; and (e) [use [our website services] by means of a web browser], subject to the other provisions of these terms and conditions.

We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.

Acceptable use

You must not: (a)  use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability or accessibility of the website; (b) use our website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity; (c)  use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software; (d)  [conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent]; (e) [access or otherwise interact with our website using any robot, spider or other automated means[, except for the purpose of [search engine indexing]]]; (f) [violate the directives set out in the robots.txt file for our website]; or (g)  [use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing)].


  • Change the terms and conditions of this Agreement
  • Change the Site, including removing or discontinuing any content on or feature of the Site
  • Change any fees or charges for using the Service

Any changes that are made will be effective immediately. Be sure to review this Agreement periodically to ensure familiarity with the most current version.

We do not warrant or represent:  (a) the completeness or accuracy of the information published on our website; (b) that the material on the website is up to date; or (c)  that the website or any service on the website will remain available.

We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.

To the maximum extent permitted by applicable law and subject to Section 12.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.

Breaches of these terms and conditions

Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may: (a) send you one or more formal warnings; (b) temporarily suspend your access to our website;  (c) permanently prohibit you from accessing our website; (d) [block computers using your IP address from accessing our website]; (e) [contact any or all of your internet service providers and request that they block your access to our website]; (f)  commence legal action against you, whether for breach of contract or otherwise; and/or (g)  [suspend or delete your account on our website].

Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking[ (including without limitation [creating and/or using a different account])].

Disclaimer Of Warranty



Not withstanding any other agreement or other communications between Be Money Smart and end user can use any material provided by Be Money Smart, at any time and through any means, whether directly or indirectly, represents acknowledgement by such person of this disclaimer and agreement with its terms and conditions.


Be Money Smart is the copyright owner of all information contained in this service, except as otherwise indicated by attributed sources. Other parties’ trademarks and service marks that may be referred to herein are the property of their respective owners. You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the information to others or substantially copy the information on your own server, or link to Be Money Smart’ website, without prior written permission of Be Money Smart.


Links from this website and in our Be Money Smart free newsletter are provided for your convenience. Should you leave this site, or the Be Money Smart newsletter issue, via a link contained therein, the content that you view on the target site is not provided by our company. We are not responsible for, nor have developed or reviewed, the content at those sites. We make no guarantees, representations, or warranties as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality, or timeliness of any electronic content.


From time to time, Be Money Smart or its authors, contributors, writers or guest bloggers will, endorse, promote or suggest services and/or products for sale. Our recommendations, reviews, and rankings are ALWAYS based on our belief that the product and its creator will provide excellent and valuable information or service based on a review of that product, Be Money Smart’s relationship with that person or company, and or previous positive experience with the person or company who’s product we recommend. In some cases, we will be compensated if you decide to purchase some products, services or access based on our recommendation. In some cases, we have received the product/trial services for free for review purposes. We commit to you that we will always do our best to provide unbiased product reviews.  If a product/service fails our expectations or seems unsafe we will let you know. Remember these are all recommendations based on our experience and opinion, please always do your OWN due-diligence before making any purchase.