Effective date: 3-13-24


The information provided by Living Savvy (“We,” “Us” or “Our”) on www.living-savvy.com (the “Website”) is for general informational purposes only. Living Savvy provides general educational information on various topics on this website as a public service, which should not be construed as professional, financial, real-estate, medical, tax or legal advice. These are personal opinions only. All information on the website is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the website.

The term “you” refers to anyone who uses, visits and/or views the website.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the website or reliance on any information provided on the Website. Your use of the Website and your reliance on any information on the Website is solely at your own risk.

General Disclaimer

All content and information on this website is for informational and educational purposes only and does not constitute professional advice of any kind nor does it establish any kind of professional-client relationship. Although we strive to provide accurate information, the information presented here is not a substitute for any kind of professional advice, and you should not rely solely on this information. Always consult a professional in the area for your needs and circumstances prior to making any professional, legal, financial, medical or tax related decisions.


By using the Website, you hereby consent to this Disclaimer and agree to its terms.  You also agree to be bound by the terms of our Terms and Conditions and Privacy Policy.  Your continued use of our website, programs, products and/or services constitutes your acceptance of future changes and updates to this Disclaimer.

We will not be liable for any damages experienced in connection with the use of our website.

If you do not agree with this Disclaimer, you must not access or use this website.

Content Disclaimer

We are not responsible or liable in any manner for any content posted on our website or in connection with our website, whether posted or caused by users of the website or by us. Although we provide rules for user conduct and postings, we do not control and are not responsible for what the users post, transmit or share on the website, and are not responsible for any offensive, inappropriate, obscene, unlawful, or otherwise objectionable content you may encounter on the website. We are not responsible for the conduct, whether online or offline, of any user of our website.

External Links Disclaimer

The website may contain (or you may be sent through the website links to other sites or content belonging to or originating from third parties or links to sites and features in banners or other advertising. We do not investigate, monitor, or check such external links for accuracy, adequacy, validity, reliability, availability, or completeness.

We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the website or any site or feature linked in any banner or other advertising. We will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers of products or services.

Affiliate and Third-Party Links Disclosure and Disclaimer

We may partner with third-party businesses or participate in affiliate marketing programs whose products or services we may promote or advertise on the website in exchange for commissions and/or financial rewards when you click and/or purchase those products or services through our affiliate links. We will receive a commission if you make a purchase through our affiliate link at no extra cost to you.

We may also recommend products or services, but these recommendations do not constitute any kind of endorsement or affirm that such information provided is accurate. Recommendations are provided soley based on personal experience and preferences.  You are responsible for obtaining and researching to obtain your own information regarding any products or services. 

We are a participant in the Amazon Services LLC Associates Program, which is an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

These affiliate programs are selected based on personal preference and you are under no obligation to click on these affiliate links to purchase those products or services being offered. 

Although we provide these affiliate links on the website for your convenience, we have no control over these external websites and they are solely responsible for their own content and information presented.  Therefore, Living Savvy and all employees and partners, cannot be held liable or responsible for any content presented on these external websites and for any damages resulting from them.

This disclosure policy applies to all affiliate links that we provide throughout this website, and on social media, and any other form of communication.

Fair Use Disclaimer

This website provides product information and/or product reviews. As such, this website may contain product images from other websites, and/or other company logos. On this website no copyright is claimed for this content and to the extent that such material may appear to be infringed, we assert that such alleged infringement is permissible under the fair use principles of U.S. copyright laws.

Reviews and Sponsored Posts

At various times, we may provide reviews of products, services, or other resources. This may include reviews of books, products, services, and/or software applications. Any such reviews will represent the good-faith opinions of the author of such review. The products and services reviewed may be provided to us for free or at a reduced price as an incentive to provide a review. Regardless of any such discounts, we will provide honest reviews of these products and/or services.  You recognize that you should conduct your own due diligence and should not rely solely upon any reviews provided on this website. If you would like more information about any such discounts and incentives, send an email to liveitsavvy@gmail.com that includes the title of the reviewed product as the subject line. We will respond via email and disclose any incentives or discounts we received in association with any such review.

No Professional Relationship Disclaimer

The website cannot and does not contain professional advice. We do not provide any kind of professional advice (legal, financial, medical, tax, or any other professional). The information is provided for general informational and educational purposes only and is not a substitute for professional advice.

Accordingly, before taking any action based upon such information, we encourage you to consult with the appropriate professionals. The use or reliance of any information contained on this website is solely at your own risk.

Personal Responsibility

You acknowledge you are using our website voluntarily and that any choices, actions and results now and in the future are solely your responsibility.

We will not be liable to you or any other party for any decision made or action taken in reliance on the information given in the website.

No Warranties

All content, information, products and/or services on the website are “as is” and “as available” basis without any representations or warranties of any kind including the warranties of merchantability or fitness for any purpose, express or implied to the full extent permissible by law. Company makes no representations or warranties as to the content, information, materials, products and/or services provided on this website. Company makes no warranties that the website will perform or operate to meet your requirements or that the information presented here will be complete, current or error-free. Company disclaims all warranties, implied and express for any purpose to the full extent permitted by law.

Limitation of Liability

You agree that under no circumstances, we or anyone else working with us shall be liable for any direct, indirect, incidental, consequential, equitable, special, punitive, exemplary or any other damages resulting from your use of this website including but not limited to all the content, information, products, services and graphics presented here.

You expressly agree that your use of the website is at your sole risk and that you are solely responsible for the accuracy of the personal and any information you provide, outcome of your actions, personal and business results, and for all other use in connection with the website.

You also expressly agree that we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall not be liable to you for any damages resulting from 1) any errors or omissions on the website, delay or denial of any products or services, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures; 2) any loss of income, use, data, revenue, profits, business or any goodwill related to the website; 3) any theft or unauthorized access by third party of your information from the website regardless of our negligence; and 4) any use or misuse of the information, products and/or services offered here.

This limitation of liability shall apply whether such liability arises from negligence, breach of contract, tort or any other legal theory of liability. You agree that we provide no express or implied guarantees to you for the content presented here, and you accept that no particular results are being promised to you here.


Except where prohibited by law, by using this Site you indemnify and hold harmless Living Savvy and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site or your violation of our Terms and Conditions.

Contact Us

If you require any more information or have any questions about our website’s disclaimer, please feel free to contact us by our contact page or by email at liveitsavvy@gmail.com.

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