Terms of Service

1. Acceptance of Terms

By accessing or using SmartWealth AI, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, you may not use this website.

If you are using SmartWealth AI on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Service Description

SmartWealth AI provides:

• Free financial planning tools (Budget Planner, Debt Payoff Planner)
• Free financial calculators (Compound Interest Calculator, Retirement Calculator, and others)
• An AI Financial Coach powered by pattern-matching responses for educational purposes
• Educational articles, guides, and resources on personal finance topics
• An email newsletter with financial content

All tools and calculators on SmartWealth AI process your inputs locally in your browser. We do not store your financial data on our servers.

The AI Financial Coach is an educational tool that provides general information based on pattern-matching. It is not a licensed financial advisor, does not have access to your actual financial accounts, and cannot provide personalized financial advice.

3. Not Financial Advice

The content, tools, calculators, articles, and AI Coach responses on SmartWealth AI are provided for educational and informational purposes only and do not constitute:

• Financial advice
• Investment advice
• Tax advice
• Legal advice
• Accounting advice
• Insurance advice

No content on this site creates a financial advisor-client relationship between you and SmartWealth AI or Claudio Galleguillos. Always consult a qualified, licensed financial professional before making financial decisions. For the full financial disclaimer, see our Financial Disclaimer.

4. Acceptable Use

You agree to use SmartWealth AI only for lawful purposes and in a manner consistent with these Terms. You agree not to:

• Use the site in any way that violates applicable local, national, or international laws or regulations
• Attempt to gain unauthorized access to any part of the site or its related systems
• Transmit any unsolicited or unauthorized advertising or promotional material (spam)
• Use automated tools (bots, crawlers, scrapers) to extract data from the site without our prior written permission
• Reproduce, distribute, or create derivative works of our content without explicit written permission
• Impersonate any person or entity, or falsely claim affiliation with SmartWealth AI or Claudio Galleguillos
• Engage in any conduct that restricts or inhibits others' use of the site
• Attempt to reverse engineer, decompile, or extract source code from the site

5. Intellectual Property

All content on SmartWealth AI — including but not limited to articles, guides, tools, calculators, source code, design, graphics, logos, and branding — is owned by Claudio Galleguillos or licensed to us and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use SmartWealth AI for personal, non-commercial purposes. This license does not include:

• Reproduction of content for commercial purposes without written permission
• Resale or redistribution of the tools or calculators
• Collection and use of content for machine learning, AI training, or data mining without permission

The CoreForge Systems name, logo, and branding are trademarks of CoreForge Systems and may not be used without permission.

6. Disclaimers

SmartWealth AI and all content, tools, and services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the site will be uninterrupted, error-free, or free of viruses
• Warranties regarding the accuracy, reliability, or completeness of any information
• Warranties that calculator results are accurate or suitable for financial decision-making

Calculator and tool outputs are mathematical estimates based on the inputs you provide. They are not financial projections, guarantees, or predictions of actual results. Past performance is not indicative of future results. Market conditions, taxes, fees, and individual circumstances can materially affect actual outcomes.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Claudio Galleguillos, CoreForge Systems, and SmartWealth AI shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or goodwill
• Financial losses arising from reliance on our content, tools, or AI Coach
• Damages resulting from unauthorized access to or alteration of your data
• Damages resulting from your use of or inability to use the site

This limitation applies regardless of the form of action (contract, tort, negligence, or otherwise) and even if we have been advised of the possibility of such damages. Our total liability for any claims related to these Terms shall not exceed $0 (zero US dollars), as the service is provided free of charge.

8. Third-Party Links and Services

SmartWealth AI contains links to third-party websites and services, including affiliate links. These links are provided for your convenience and information only. We do not control and are not responsible for the content, privacy practices, or terms of any third-party sites. Clicking affiliate links may result in us receiving a commission — see our Affiliate Disclosure for details.

Your use of any third-party site is at your own risk and subject to that site's terms and policies.

9. Indemnification

You agree to indemnify, defend, and hold harmless Claudio Galleguillos, CoreForge Systems, and SmartWealth AI from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your violation of these Terms
• Your use of or reliance on the site's content, tools, or AI Coach
• Your violation of any third party's rights
• Any content you submit or share through the site

10. Changes to These Terms

We reserve the right to modify these Terms at any time. We will indicate changes by updating the "Last updated" date at the top of this page. Your continued use of SmartWealth AI after changes are posted constitutes acceptance of the revised Terms. If changes are material, we may also notify newsletter subscribers by email.

11. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with applicable law. Any disputes arising from these Terms or your use of SmartWealth AI will be resolved through good-faith negotiation first. If negotiation fails, disputes will be submitted to binding arbitration or a competent court in the jurisdiction where Claudio Galleguillos operates.

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

12. Contact

If you have questions about these Terms of Service, please contact: