Terms & Conditions

Effective date: June 18, 2026

Welcome to Smarter Daily Living. These Terms & Conditions (“Terms”) govern your use of smarterdailyliving.com (the “Site”). By using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

1. Informational purpose only

The Site provides general information, opinions, and comparisons for educational purposes. It is not medical, legal, financial, or insurance advice. Always consult a qualified professional before making decisions about your health, finances, or legal matters. Prices, offers, rules, and availability change and may differ from what is described here.

2. No professional or agency relationship

We are an independent publisher and marketing service. We are not an insurer, provider, contractor, or government agency, and we are not affiliated with or endorsed by any government entity. Where we connect you with a third-party provider or licensed agent, that party is independent and solely responsible for the products and services they provide.

3. Affiliate and advertising relationships

The Site contains affiliate links and advertising, and we may be compensated when you click links, request information, or connect with a partner. See our disclosure. Compensation does not control our editorial content.

4. Submissions and consent

If you submit a form, you represent that the information is accurate and that you are the authorized user of the contact details provided. Your consent to be contacted is governed by the disclosure shown at the point of submission and our Privacy Policy.

5. Acceptable use

You agree not to misuse the Site, including by attempting to disrupt it, scrape it at scale, infringe intellectual property, or use it for unlawful purposes. All Site content is owned by us or our licensors and may not be copied or reused without permission.

6. Third-party links

The Site links to third-party websites and services we do not control and are not responsible for. Your use of any third-party site is at your own risk and subject to that site's terms.

7. Disclaimers and limitation of liability

The Site is provided “as is” without warranties of any kind, to the fullest extent permitted by law. We are not liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on its content.

8. Indemnification

You agree to indemnify and hold harmless Smarter Daily Living and its affiliates from claims arising out of your use of the Site or violation of these Terms.

9. Governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws rules. Any dispute will be resolved in the state or federal courts located in Florida.

10. Changes & contact

We may update these Terms and will post the revised version here with a new effective date. Questions: legal@smarterdailyliving.com.