Last Updated: August 13, 2019
GW Finances, owns and operates the website located at gwfinances.com(the “Site”). GWFinances.com provides and maintains this Site for your information, conditioned on your acceptance, without modification, of the terms, conditions, and notices contained in these Terms of Use and in our Privacy Policy. By accessing and using the Site, you accept and agree without limitation to the following:
Products and Services
GWFinances.com provides information and news in the following categories: Finances, savings, income, travel, wellness, and others.
Esign Consent
You agree that clicking “Subscribe” acts as your electronic signature.
Mobile Terms & Conditions
By clicking “Subscribe” on the web form or sending the keyword CLEVER, I agree to receive recurring informational SMS or MMS messages from the Clever People Alert Program. The program is operated by GW Finances. The associated brand is gwfinances.com. The program provides daily news about smart savings, traveling on a budget, and financial health. The program is a standard rate subscription service available on most carriers including US Cellular, AT&T Mobility, T-Mobile®, Sprint, Boost, MetroPCS, Verizon Wireless, and Virgin Mobile. Msg&DataRatesMayApply. Requires text-enabled handset. Carriers are not liable for delayed or undelivered messages. You may cancel your subscription by texting STOP, END, QUIT, CANCEL, UNSUBSCRIBE. You can also get info directly on your phone by texting HELP, sending an email to [email protected]. Service will continue until the customer cancels.
Compliance with Laws
You agree to comply with all applicable laws, statutes, ordinances, and regulations regarding your use of this Site and your acceptance or purchase of products or services through any of this Site’s third-party vendors. GWFinances.com may, in its sole discretion, report actual or perceived violations of law to law enforcement or other authorities. If we become aware of any potential or suspected violation of these Terms of Use or our Privacy Policy, we may (but are not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action to be taken. During such investigation, we may suspend services to any customer being investigated and may delete data from our servers in order to prevent or minimize further violations. You agree to cooperate fully with any such investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject you to criminal or civil penalties.
Intellectual Property
The trademarks, titles, characters, trade names, graphics, designs, and other properties, including all software, text, and images appearing on this Site are the intellectual property of gwfinances.com, its licensees, or other third parties who have authorized use of such properties on the Site. GWFinances.com reserves all other rights to this Site and its contents. You may not distribute, display, transmit or disseminate any documents, pages, images, materials, or content without our prior written consent. Nothing contained on this Site should be construed as conferring any right or license to any trademark, copyright, or other intellectual property rights.
Limitation of Liability and Disclaimer of Warranties
GWFinances.com uses commercially reasonable efforts to ensure that the information on this Site is accurate, but accuracy is not guaranteed. GWFinances.com makes no representations regarding your use of this Site or results that you may or may not obtain through such use.
NEITHER GWFinances.com NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THESE EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.
Third Party Content
This Site may contain links to websites maintained by third parties. GWFinances.com is not responsible for the content or privacy policies of third-party websites, and the existence of such links should not be considered an endorsement or recommendation of those websites, the product or service offered, or any third parties associated with those websites.
Privacy
GWFinances.com’s Privacy Policy is applicable to any data supplied through this Site. The Privacy Policy sets out your rights and our responsibilities regarding your personal information. GWFinances.com will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. GWFinances.com reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice to you. Modifications to the Privacy Policy are effective when posted and your continued use of this Site signifies your acceptance of such modifications.
Security
GWFinances.com uses industry-recognized technology to protect your personal information. Although gwfinances.com takes commercially reasonable measures to secure your personal information submitted through this Site, gwfinances.com cannot guarantee that your information will not be intercepted or decrypted by others. So long as gwfinances.com uses commercially reasonable security measures, it accepts no responsibility for such interception or decryption except as required by law.
Site Use
GWFinances.com does not charge you any fees for your use of this Site. GWFinances.com may receive compensation from advertising platforms.
Law and Venue
GWFinances.com is owned and operated by GW Finances, a Cheyenne, Wyoming 82001 limited liability company. By using this Site or engaging with Smartpeoplenews.com in any way, you consent to the laws and jurisdiction of the Cheyenne, Wyoming 82001. These Terms of Use and the Privacy Policy also will be governed by and construed in accordance with the laws of Cheyenne, Wyoming 82001, without regard to conflict of law provisions. Any legal action brought against Smartpeoplenews.com (which must be via binding arbitration as set forth below) will be governed by the laws of Cheyenne, Wyoming 82001 and you agree that the sole jurisdiction and venue for disputes resolution will be in Cheyenne, Wyoming 82001.
Binding Arbitration
Should any dispute arise as to the interpretation of any term or provision of these Terms of Use or with regard to any of your dealings gwfinances.com as a result of gwfinances.com’s service, those issues shall be decided by binding arbitration. The arbitration proceeding shall be conducted under the applicable rules in Clark County, Nevada. The decision of the arbitrator shall be final and binding on both parties. The prevailing party shall be entitled to recover the cost of arbitration, travel expenses, expert testimony, travel expenses of experts, and all other expenses reasonably incurred in bringing or defending an arbitration claim, from the other party unless otherwise prohibited by law.
Modification
GWFinances.com reserves the right to modify these Terms of Use from time to time and without notice to you. Your use of this Site after such modification constitutes your acceptance of and agreement to any new or amended terms.
Indemnification
By using this Site, you agree to indemnify, defend and hold harmless gwfinances.com, its subsidiaries, officers, agents, and employees, from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site.
Violation of the Terms of Use
By using the Site, you understand and agree that gwfinances.com in its sole discretion and without prior notice may terminate your access to this Site and to any services offered, and may remove any content you have provided if gwfinances.com believes that such content violates or is inconsistent with these Terms of Use or the Privacy Policy or their intent, or that such content may be disruptive, offensive or in violation of applicable laws.
Class Action Waiver
ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR gwfinances.com WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IS INTENDED TO BE ENFORCED TO THE FULL EXTENT ALLOWED BY LAW.
Miscellaneous
Any reference to gwfinances.com includes GW Finances. All rights not expressly granted to you are reserved to gwfinances.com. The headings used in these Terms of Use are intended for convenience only, and shall not affect the construction and interpretation thereof. GWFinances.com’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.
SMS Terms Of Service
Description of Services
The program is operated by GW Finances. Associated brand is gwfinances.com. The program provides daily news about smart saving, traveling on a budget, and financial health.
Use of our text message-based services is subject to the following.
The Wireless Carriers are not liable for delayed or undelivered messages.
Please note Message & Data Rates May Apply.
Help
To obtain the help you may:
- Text HELP to obtain help on your mobile phone.
- Email us at: [email protected]
- Call us at: 1-855-537-3311 M-F 9am-5pm PST
Terminating the Service
You may terminate any of the Services or subscriptions at any time by texting STOP.
Frequency of Messaging
Text alerts are delivered 1 message per day.
Privacy
Our collection of information from you, such as your mobile phone number, is subject to our Privacy Policy. You understand that through your use of the Service you consent to the collection and use (as set forth in the Privacy Policy) of this information.
Contact Information:
Company name: GW Finances
Address: 1712 Pioneer Ave Suite 1022 Cheyenne, Wyoming 82001
Email Address: [email protected]
INFORMATION FOR ISPs:
Website: www.Smartpeoplenews.com
Company name: GW Finances
Email Address: [email protected]
Notice and Take Down Procedures
If you believe any materials accessible on or from the Site infringe your copyright or other intellectual property, you may request removal of those materials (or access thereto) from the Site by contacting our copyright agent (identified below) and providing the following information:
- Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the
location (for example, the URL) of an authorized version of the work. - Identification of the material that you believe to be infringing and its location. Please describe the material, and provide a URL or any other pertinent information that will allow location of the material.
- Your name, address, telephone number and email address.
- A statement that in good faith you believe the complained of use of the materials is not allowed by the copyright owner, its agent, or the law.
- A statement that your submission is accurate and that “under penalty of perjury” you are the copyright owner or the owner’s authorized agent.
- A signature or the electronic equivalent from the copyright holder or authorized agent.
Send the above information to:
Legal Department
GW Finances
1712 Pioneer Ave Suite 1022 Cheyenne, Wyoming 82001
Email Address: [email protected]
For all email submissions, please include the subject line: DMCA Takedown Request.
