Opening Statement
By visiting or using Your Guide To Savings, you agree to the following Terms of Service (“Terms”), which form a legally enforceable contract between you and Your Guide To Savings. These Terms may be updated at any time; continued use constitutes acceptance.
Last Updated: July 1, 2026
Privacy Practices and Applicable Laws
Your Guide To Savings’s data practices are described in the Privacy Policy found at /privacy-policy/, which is incorporated by reference. This website is directed to general audiences in the United States and is operated in compliance with COPPA and applicable state privacy laws, including the CCPA/CPRA, CPA, VCDPA, CTDPA, TDPSA, MODPA (effective October 2025), ICDPA, KCDPA, RIDTPPA, and additional state statutes as enacted.
Defined Terms
The following terms are used throughout this Agreement: “Personal Information” or “Personal Data” means data that directly or indirectly identifies or is linked to a specific individual under applicable state law. “Sensitive Personal Information” means categories of data including Social Security or government-issued identification numbers, financial account login credentials, precise geolocation, racial or ethnic origin, religious beliefs, labor union membership, health or medical information, biometric identifiers, sexual orientation or gender identity, immigration status, and the substance of private communications. “Sale” or “Sharing” has the meaning under applicable privacy law and may include transfer of data to third parties for valuable consideration or cross-context behavioral advertising.
Access to Our Content
The materials and content on this website are offered free of charge by Your Guide To Savings for personal, noncommercial enjoyment. Users are not permitted to use any content for commercial purposes; such use constitutes a violation of these Terms.
Why We Created This Site
The purpose of Your Guide To Savings is to offer free content to the public, with operating costs supported through advertising. This site is not designed or intended for commercial use by its visitors.
Advertising Relationships and Marketing
Advertising supports the operation of this website. Your Guide To Savings and its advertising partners may receive payment for ad impressions, clicks, or other user interactions. We disclose all material advertising relationships.
Email Marketing: Submitting your email or contact information through this website may result in you receiving marketing emails from Your Guide To Savings and its marketing partners. You may opt out at any time by using the unsubscribe mechanism included in each communication; opt-out requests are honored within 10 business days in accordance with CAN-SPAM.
SMS/Text Marketing: Where you have provided a mobile number and given explicit consent to receive SMS, you may receive text messages from Your Guide To Savings or affiliated partners. Message and data rates may apply. To opt out, reply STOP; to get help, reply HELP. Providing SMS consent is entirely voluntary and not required for any purchase or access to this website.
Third-Party Sites and Content
Your Guide To Savings is operated under these Terms, which do not extend to third-party websites. This website may contain links to third-party sites that have their own terms of service and privacy policies. No control is exercised over, and no responsibility is assumed for, the content or data practices of third-party websites. Users are advised to carefully review the terms and privacy practices of any third party before submitting personal information.
Data Collection and Sharing Practices
Your Guide To Savings’s data collection and use practices are governed by our Privacy Policy, incorporated herein by reference. We may collect personal information such as your name, email and postal address, phone number, IP address, device identifiers, and browsing and behavioral data. Such data may be shared with advertising partners, data brokers, and other third parties for targeted advertising, lead generation, analytics, and related purposes. Sensitive Personal Information is not sold. Consumers in California and other privacy-law states have rights including the right to know, access, correct, delete, and opt out of sales, sharing, and targeted advertising. To exercise these rights, visit our Privacy Choices page or use the contact information below; we will respond within applicable legal timelines.
Financial Information Notice
Users do not need to share financial account information to use Your Guide To Savings. If at any time you believe your financial account data has been improperly collected or disclosed through this website, we urge you to contact Your Guide To Savings without delay using the contact information provided below.
Ownership of Content
Copyright © 2026 Your Guide To Savings. All rights reserved. All intellectual property on this website, including content, trademarks, and other proprietary materials, is owned by Your Guide To Savings and protected by applicable copyright and trademark law. Reproduction or use without prior written consent is prohibited and may result in legal proceedings.
To report an infringement of your copyright, direct a written notice to [email protected] specifying: (1) the copyrighted work allegedly infringed; (2) the URL of the relevant content; (3) your contact details; and (4) your good-faith belief that the use is unauthorized.
Protection of Minors
This website is intended for general audiences and complies with the Children's Online Privacy Protection Act (COPPA). Your Guide To Savings does not knowingly collect personal information from children under 13. If we learn such information has been collected, we will promptly delete it. This website is intended for users who are 18 years of age or older. Parents or guardians who believe a minor has submitted personal information through this website should contact us immediately.
U.S.-Only Service
Your Guide To Savings is intended solely for users within the United States. Any person accessing this site from outside the United States does so at their own risk and acknowledges sole responsibility for compliance with applicable laws in their jurisdiction.
Prohibited Conduct
Use of this website for any of the following is strictly prohibited: unauthorized commercial data harvesting; e-commerce transactions; identity or affiliation misrepresentation; disruption of website operations or security systems; posting or transmitting unlawful or harmful content; automated scraping, crawling, or mass data extraction without prior written consent; or any activity that violates CAN-SPAM, TCPA, CCPA/CPRA, FTC regulations, or any other applicable federal or state law.
Updating These Terms
These Terms may be updated by Your Guide To Savings at any time. Material updates will be indicated by a change to the “Last Updated” date. Continued use of Your Guide To Savings following any update is treated as acceptance of the revised Terms. Your Guide To Savings reserves the right to suspend or terminate access for violations of these Terms and to pursue appropriate legal action.
Dispute Resolution
ANY DISPUTE RELATING TO THESE TERMS OR TO THIS WEBSITE SHALL FIRST BE SUBMITTED FOR GOOD-FAITH INFORMAL RESOLUTION. IF NOT RESOLVED INFORMALLY WITHIN 30 DAYS OF NOTICE, THE DISPUTE SHALL BE SUBMITTED TO BINDING ARBITRATION PURSUANT TO THE THEN-CURRENT RULES OF THE AMERICAN ARBITRATION ASSOCIATION, EXCEPT THAT EITHER PARTY MAY SEEK INJUNCTIVE RELIEF IN ANY COURT OF COMPETENT JURISDICTION.
CLASS ACTION WAIVER: BOTH PARTIES AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY LAW, ALL DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.
Choice of Law and Jurisdiction
These Terms are subject to and shall be construed in accordance with the laws of District of Columbia, to the exclusion of any conflict of law principles. Users retain all rights under applicable state and federal privacy laws, which are not restricted or waived by anything in these Terms.
Contact Information
For questions or concerns regarding these Terms, please email us at [email protected]. Written inquiries may be mailed to: 5185 MacArthur Blvd NW, (Box 459), Washington, DC 20016. To exercise privacy rights under CCPA/CPRA or other applicable state privacy laws by phone, please call: 833-467-072.