Terms & Conditions

1. Acceptance of Terms

By accessing, browsing, or using www.thesmugsaver.com (the "Website"), you confirm that you have read, understood, and agree to be bound by these Terms & Conditions ("Terms") and our Privacy Policy and Cookie Policy, which are incorporated herein by reference.

If you do not agree to these Terms, you must cease using the Website immediately. We reserve the right to amend these Terms at any time. The "Last Updated" date above will reflect any changes. Your continued use of the Website after changes are posted constitutes your acceptance of those changes.

2. About The Smug Saver

The Smug Saver is an independent UK money-saving and personal finance information website. We produce editorial content including articles, guides, tips, and commentary on financial topics for general informational purposes only. We are not a regulated financial services firm.

3. No Financial Advice Disclaimer

Nothing on this Website constitutes financial advice. All content is provided for general information and educational purposes only. The Smug Saver is not authorised or regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body.

Before making any financial decision — including but not limited to investments, mortgages, insurance, credit, pensions, or savings — you should seek independent advice from a qualified financial adviser authorised by the FCA. You can find a regulated adviser at register.fca.org.uk.

Whilst we take reasonable care to ensure the accuracy and currency of information published, financial products, interest rates, tax rules, and regulations change frequently. You should independently verify all information before relying on it.

4. Intellectual Property

All content on this Website — including but not limited to articles, guides, text, graphics, logos, images, and software — is the property of The Smug Saver or its content suppliers and is protected by UK and international copyright, trademark, and other intellectual property laws.

You may access and read Website content for personal, non-commercial use only. You must not:

• Copy, reproduce, republish, upload, post, transmit, or distribute any content without our prior written permission.
• Use any content for commercial purposes without an explicit licence from us.
• Modify, adapt, or create derivative works from our content.
• Scrape, data-mine, or systematically extract content from the Website.

Requests for republication or licensing should be directed to hello@thesmugsaver.com.

5. User Conduct

When using the Website, you agree not to:

• Use the Website for any unlawful purpose or in any way that violates applicable law.
• Attempt to gain unauthorised access to any part of the Website, its servers, or any connected systems.
• Transmit any harmful, offensive, defamatory, or disruptive material.
• Use automated tools (bots, scrapers, crawlers) to extract data from the Website without our consent.
• Interfere with or disrupt the Website's operation or the servers or networks connected to it.

6. External Links and Third-Party Content

The Website may contain links to external third-party websites, products, or services. These links are provided for your convenience and information only. We have no control over, and accept no responsibility for, the content, privacy practices, or availability of any linked external sites.

A link to a third-party website does not constitute endorsement of that website or any products or services it offers. We encourage you to read the terms and privacy policies of any external websites you visit.

Some links on this Website may be affiliate links. This means we may earn a commission if you click through and make a purchase. This does not affect the price you pay and does not influence our editorial recommendations. We only link to products and services we believe may be of genuine interest or value to our readers.

7. Limitation of Liability

To the fullest extent permitted by applicable law, The Smug Saver and its owners, editors, contributors, and affiliates shall not be liable for any:

• Direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Website or its content.
• Financial losses or decisions made on the basis of content published on this Website.
• Errors, omissions, interruptions, or inaccuracies in the content.
• Loss of data, profits, goodwill, or other intangible losses.

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be excluded under applicable law.

8. Accuracy and Currency of Information

We strive to ensure all content is accurate, up to date, and well-researched. However, the personal finance landscape changes rapidly and we cannot guarantee that all information is current or error-free at the time you access it. We reserve the right to update, correct, or remove content at any time without notice.

9. Email Communications

If you subscribe to our email list, you agree to receive periodic money-saving content from us. You may unsubscribe at any time by clicking the unsubscribe link in any email we send, or by contacting us at hello@thesmugsaver.com. Please see our Privacy Policy for how we handle your email address.

10. Availability of the Website

We aim to keep the Website available at all times but do not guarantee uninterrupted or error-free access. We reserve the right to suspend, withdraw, or restrict access to all or part of the Website for business, operational, or maintenance reasons, without notice.

11. Governing Law and Jurisdiction

These Terms and any disputes arising from or related to them shall be governed by and construed in accordance with the laws of England and Wales. You and we both agree to submit to the exclusive jurisdiction of the courts of England and Wales, unless you are a consumer resident in Scotland or Northern Ireland, in which case you may also bring proceedings in your local courts.

12. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

13. Contact Us

For questions or concerns relating to these Terms, please contact us:

Email: hello@thesmugsaver.com
Website: www.thesmugsaver.com