Legal Terms
These Terms of Service (“Terms”) apply to all use of Your Guide To Savings and constitute a legal contract with each visitor. These Terms may be revised at any time by posting updated Terms on this page.
Last Updated: July 1, 2026
Privacy Policy and State Law Compliance
For more information about the Privacy Policy for Your Guide To Savings, please visit Privacy Policy.
This website is intended for general audiences within the United States and will comply with applicable laws, including the Federal Children's Online Privacy Protection Act of 1998 (COPPA). This website also operates in compliance with applicable U.S. state privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), the Colorado Privacy Act (CPA), the Virginia Consumer Data Protection Act (VCDPA), the Connecticut Data Privacy Act (CTDPA), the Texas Data Privacy and Security Act (TDPSA), the Maryland Online Data Privacy Act (MODPA) (effective October 2025), the Indiana Consumer Data Protection Act (ICDPA), the Kentucky Consumer Data Privacy Act (KCDPA), the Rhode Island Data Transparency and Privacy Protection Act (RIDTPPA), and other applicable state privacy statutes as may come into effect.
Definitions
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.
No Charge for Content
The content provided by Your Guide To Savings on this website is free for any consideration and can be used free of charge for personal, noncommercial use. Commercial use of the content is prohibited and would be a violation of these Terms.
Website Mission and Purpose
Your Guide To Savings created Your Guide To Savings to provide free content supported by advertising. This website is not intended for commercial use by visitors beyond personal, noncommercial browsing.
Marketing and Advertising Practices
Advertising is this website’s primary source of revenue. Your Guide To Savings and its partners may receive compensation when users view, engage with, or respond to advertisements on this site. All material advertising relationships are disclosed.
Email Marketing: If you voluntarily submit your contact information, you may receive marketing emails from Your Guide To Savings and its advertising partners. Each email includes an unsubscribe link; opt-out requests will be processed within 10 business days consistent with CAN-SPAM requirements.
Text Marketing: If you have provided a mobile number and consented to receive SMS communications, you may receive text messages from Your Guide To Savings or its partners. Message and data rates may apply. To opt out, reply STOP; to get assistance, reply HELP. Your consent to receive SMS messages is not required for any purchase or to use this website.
Third-Party Links and Content
The scope of these Terms is limited to Your Guide To Savings, operated by Your Guide To Savings. Links or references to third-party websites appearing on this website do not constitute endorsement, and Your Guide To Savings is not responsible for the content, privacy practices, or data security of any third-party site. Users are strongly encouraged to review third-party terms and privacy policies before sharing any personal information.
Personal Data Practices
Your Guide To Savings collects personal information as described in the Privacy Policy, which is part of this Agreement. We may collect data including your name, email, postal address, phone number, IP address, device identifiers, and browsing behavior. Personal information may be shared with advertising partners, data brokers, and third parties for targeted advertising, lead generation, and analytics. We do not sell Sensitive Personal Information. If you are a resident of California or another state with applicable privacy law, you have rights to know, access, correct, delete, and opt out of the sale or sharing of personal information and targeted advertising. To exercise your rights, see our Privacy Choices page or contact us. We process verified requests within legally required timeframes.
No Financial Account Data Required
Your Guide To Savings does not collect or require financial account credentials from users. If you believe that any financial account information has been improperly gathered or shared via this website, please notify Your Guide To Savings at once using the contact information provided below.
Ownership of Content
© 2026 Your Guide To Savings. All rights reserved. Your Guide To Savings’s intellectual property, including but not limited to trademarks, service marks, and website content, may not be used, reproduced, or distributed without Your Guide To Savings’s express prior written consent. Unauthorized use may result in legal liability.
If you believe your copyrighted work is displayed without authorization on this website, please forward a written notice to [email protected] including: (1) identification of the copyrighted work; (2) the URL of the content in question; (3) your contact information; and (4) a statement confirming your good-faith belief that the use is unauthorized.
Protecting Children Online
Your Guide To Savings is a general-audience site and is operated in compliance with the Children's Online Privacy Protection Act (COPPA). We do not knowingly collect personal information from anyone under age 13. Upon becoming aware of any such inadvertent collection, we will act promptly to delete the information. This website is intended for users who are 18 or older. Parents or guardians with concerns about a minor's submission of personal information through this website should contact us immediately.
Audience and Jurisdiction
This website is maintained for U.S.-based audiences. Visitors who access this website from outside the United States assume all risk and responsibility for compliance with applicable laws of their respective jurisdictions. Your Guide To Savings does not warrant compliance with any non-U.S. legal requirements.
Restrictions on Use
This website prohibits the following conduct without limitation: unauthorized commercial data harvesting; e-commerce activities; identity misrepresentation; interference with website security; posting unlawful or harmful material; use of automated bots or scraping tools without written consent; and any action that contravenes CAN-SPAM, TCPA, CCPA/CPRA, FTC standards, or any other applicable law or regulation.
Updating These Terms
Your Guide To Savings reserves the right to update these Terms at any time. Updates that materially affect user rights will be reflected by an updated “Last Updated” date. Continued use of this website following any update constitutes acceptance of the revised Terms. Access may be suspended or terminated for violations of these Terms, and legal action may be pursued where appropriate.
Resolving Disagreements
CLAIMS ARISING FROM THESE TERMS OR USE OF THIS WEBSITE MUST FIRST GO THROUGH A 30-DAY GOOD-FAITH INFORMAL RESOLUTION PERIOD. DISPUTES NOT RESOLVED INFORMALLY WILL BE SUBMITTED TO FINAL AND BINDING ARBITRATION BEFORE THE AMERICAN ARBITRATION ASSOCIATION, EXCEPT THAT INJUNCTIVE RELIEF MAY BE SOUGHT FROM ANY COURT WITH APPROPRIATE JURISDICTION.
CLASS ACTION WAIVER: TO THE EXTENT PERMITTED BY LAW, ALL DISPUTES BETWEEN THE PARTIES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT THROUGH CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDINGS.
Choice of Law
These Terms are governed by the laws of the State of District of Columbia. Conflict of law principles that would otherwise apply are expressly excluded. These Terms do not limit any privacy rights you may have under applicable state or federal law, which remain in full force and effect.
Our Contact Details
Questions regarding these Terms may be directed to [email protected]. You may also contact us in writing at: 5185 MacArthur Blvd NW, (Box 459), Washington, DC 20016. To make a privacy rights request under CCPA/CPRA or other applicable state privacy law by phone, dial: 833-467-072.