These Terms of Use (“Terms”) govern your use of Phroogal.com and all related services operated by Javitusa Media, LLC (“Phroogal,” “we,” “us,” or “our”), including but not limited to the Smile Money Academy, Marketplace, AI assistant (“pAI”), downloadable content, blogs, community forums, and other products and services (collectively, the “Sites” or “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must immediately discontinue use.
1. Changes to the Terms
We may revise and update these Terms at any time. Updates are effective when posted. Your continued use of the Services constitutes acceptance of the updated Terms.
2. Privacy Policy
Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
3. Access & Account Security
You are responsible for:
Providing accurate and complete registration information.
Maintaining the confidentiality of your account credentials.
All activity occurring under your account.
We reserve the right to suspend or terminate access if you violate these Terms.
4. AI Assistant (pAI)
pAI is an AI-powered assistant provided for general educational and informational purposes only.
pAI does not provide personalized financial, legal, tax, investment, or medical advice.
Responses are generated automatically and may not always be accurate, current, or complete.
Do not submit sensitive information (e.g., account numbers, SSNs, passwords).
Use of pAI is at your own risk. Phroogal disclaims liability for reliance on responses.
The Marketplace provides listings of financial products, services, and tools, which may include affiliate or sponsored links and third-party vendor products.
Phroogal’s Role: Unless expressly stated, Phroogal acts as a facilitator. We are not the merchant of record for third-party products or services.
Third-Party Sellers: Sellers are solely responsible for the accuracy, legality, quality, and delivery of their products or services. Any disputes between buyers and sellers must be resolved directly.
Affiliate Disclosure: Phroogal may earn compensation if you engage with or purchase through affiliate links. Such relationships do not influence our editorial independence.
No Guarantee: Phroogal does not endorse, guarantee, or assume responsibility for third-party products, services, or sites. Accessing third-party services is at your own risk.
User Responsibility: You agree that Phroogal is not liable for any damages or losses incurred as a result of interactions with third-party sellers or affiliates.
7. Downloadable Content
Downloadable resources (ebooks, worksheets, guides, templates, etc.) are licensed for personal, non-commercial use only.
Redistribution, resale, or modification is prohibited without prior written consent.
Unless otherwise specified, all sales are final once content has been delivered or accessed.
8. Intellectual Property Rights
All content, logos, trademarks, guides, tools, courses, blog posts, and downloads are the property of Phroogal or its licensors. Unauthorized use, reproduction, or distribution is prohibited. Users retain ownership of their contributions but grant Phroogal a license to display, use, and distribute User Contributions submitted to the Sites (e.g., reviews, comments).
9. User Conduct
You agree not to:
Violate laws or regulations.
Upload viruses, spam, or harmful code.
Harass, defame, or harm other users.
Misuse Services for commercial exploitation without permission.
Attempt unauthorized access to our systems.
10. Community Standards & User Contributions
Where applicable (e.g., reviews, forums, or comments):
User Contributions must be lawful, accurate, and respectful.
By posting, you grant Phroogal a non-exclusive license to use and display your contributions.
We reserve the right to remove any User Contributions at our discretion.
11. Third-Party Content & Links
The Services may include third-party materials, content, or links.
Phroogal is not responsible for third-party information, accuracy, or policies.
Accessing third-party content is at your own risk.
12. Disclaimer of Warranties
Services are provided on an “as is” and “as available” basis. Phroogal disclaims all warranties, express or implied, including merchantability, non-infringement, and fitness for purpose. We do not guarantee uninterrupted or error-free Services.
13. Limitation of Liability
To the maximum extent permitted by law: Phroogal shall not be liable for any direct, indirect, incidental, or consequential damages arising from use of the Services. This includes reliance on pAI, use of the Academy, Marketplace, downloads, or third-party sites.
14. Indemnification
You agree to indemnify and hold harmless Phroogal, its affiliates, officers, employees, and agents from claims arising out of your violation of these Terms or misuse of the Services.
15. Copyright & IP Infringement
If you believe your work has been copied or used in violation of intellectual property rights, notify us at info@phroogal.com with proper details.
16. Geographic Restrictions
The Services are intended for users in the United States. Users accessing the Services from other locations are responsible for compliance with local laws.
17. Arbitration & Dispute Resolution
Any disputes shall be resolved by binding arbitration administered by the American Arbitration Association in New Jersey. Class actions and representative claims are prohibited. Arbitration shall be confidential and binding.
18. Governing Law
These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles.
19. Severability
If any provision is found unenforceable, the remaining provisions remain in effect.
20. Entire Agreement
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Phroogal regarding the Services.
