Effective Date: February 20, 2025

Welcome to Beyond Savings! By accessing or using our website (the "Site"), you agree to comply with and be bound by these Terms of Use (the "Terms"). If you do not agree with these Terms, please do not use our Site.

1. Acceptance of Terms By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. We reserve the right to update or modify these Terms at any time, and your continued use of the Site constitutes acceptance of any changes.

2. Use of the Site You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of or restrict the use and enjoyment of the Site by any third party. You may not engage in any conduct that is unlawful, harmful, fraudulent, or otherwise objectionable.

3. Intellectual Property All content on the Site, including text, graphics, logos, images, and software, is the property of Beat the Banks or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

4. Disclaimers and Limitation of Liability The Site is provided "as is" without warranties of any kind, either express or implied. We do not guarantee the accuracy, reliability, or completeness of any information on the Site. To the fullest extent permitted by law, Beat the Banks disclaims all liability for any loss or damage arising from your use of the Site.

5. Third-Party Links The Site may contain links to third-party websites. These links are provided for your convenience only, and we do not endorse or assume any responsibility for the content or practices of any third-party sites.

6. User Accounts If you create an account on our Site, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these Terms.

7. Termination We may terminate or suspend your access to the Site at any time, without notice, for conduct that we believe violates these Terms or is otherwise harmful to us or other users.

8. Governing Law These Terms are governed by and construed in accordance with the laws of the United States. Any disputes arising under these Terms shall be resolved in the courts of [Insert Jurisdiction].

9. Contact Information If you have any questions about these Terms, please contact us at [email protected].

By using Beyond Savings, you acknowledge that you have read and understood these Terms and agree to be bound by them.