Terms of Service

Terms of Service Last Updated: [March 30, 2025] Welcome to [Savvy Living Solutions] (the "Newsletter"), operated by [Savvy Living Solutions] ("we," "us," or "our"). By subscribing to, accessing, or using our newsletter, website, or any related services (collectively, the "Services"), you agree to these Terms of Service ("Terms"). If you do not agree, please do not use the Services. 1. Eligibility & Subscription o You must be at least 18 years old, or a parent/legal guardian must subscribe on your behalf. o You confirm that the information you provide is accurate and complete. o You may unsubscribe at any time via the opt-out link in our emails. 2. Modifications to the Terms o We may update these Terms at any time. Changes will be effective immediately upon posting. o We will notify subscribers of significant changes, but it is your responsibility to review these Terms periodically. o Continued use of the Services after updates means you accept the revised Terms. 3. Changes to Content or Service o We may modify, suspend, or discontinue the content or services at any time. In the event of significant changes that may impact your experience, we will notify you in advance to ensure you are aware of any adjustments (such as changes to the platform or content format). 4. Description of Service o Savvy Living Solutions provides home improvement tips, home technology insights, grocery tips, and homeownership/lifestyle-related content via email. o Our content is for informational purposes only and should not be considered professional advice. We are not liable for any actions taken based on the content or as a result of reading or interpreting the content in our newsletter. o We reserve the right to modify, suspend, or discontinue the Services at any time without notice. 5. Third-Party Services & Beehiiv o Our newsletter and website are hosted through Beehiiv, a third-party platform that handles email distribution, data storage, and analytics. o Beehiiv’s processing of your data is governed by their Privacy Policy and Terms of Service. By using our services, you consent to Beehiiv’s data handling practices. 6. Content & Intellectual Property o All content in the newsletter, website, and related services is owned by us or licensed to us. o You may not copy, distribute, or republish our content without permission. o By submitting content to us, you grant us a worldwide, non-exclusive, royalty-free license to use, modify, and distribute the content. o You may have the opportunity to submit content (such as comments, feedback, or contributions) to our website or newsletter. By submitting content, you represent that you have the necessary rights to do so. o We are not responsible for user-generated content and do not endorse or verify it and are not liable for any damages arising from such content. o We reserve the right, but are not obligated, to monitor, edit, or remove any content that violates these Terms or is harmful, illegal, or objectionable. 7. User Conduct o You agree not to use the Services for fraudulent, unlawful, or abusive purposes. o You agree not to interfere with or disrupt the functionality of the Services. o You agree not to collect or store personal data of other users. 8. Third-Party Links & Content o Our newsletter may contain links to third-party websites. We do not endorse or control their content and are not responsible for damages arising from those sites. o You are responsible for evaluating any third-party links or services. o We are not responsible for the accuracy, content, or security of third-party websites or services linked in our newsletter. We do not endorse or take liability for any damages arising from visiting or using those third-party sites. o Some links in our newsletters may be affiliate links, meaning we may receive a commission if you make a purchase through them. These links are included for your convenience, but do not affect our editorial content. 9. Disclaimer & Limitation of Liability o The Services are provided “as is” without warranties of any kind. o We are not liable for errors, omissions, or reliance on our content. We are also not liable for any injuries, damages, or losses resulting from following our home improvement tips or content. o We are not responsible for any service interruptions or data breaches caused by Beehiiv. 10. Social Media Content and Interaction By engaging with our content on any of our social media platforms (including, but not limited to, Instagram, X, Facebook, TikTok, etc.), you acknowledge that: o The content shared on our social media accounts is for informational purposes only and does not constitute professional advice. o Any advice, tips, or content shared on our social media platforms should not be used as a substitute for professional consultation in areas such as home improvement, health, safety, or finance. o By interacting with our posts, you agree to follow the respective platform’s community guidelines and policies. o Savvy Living Solutions, its owners, directors, employees, affiliates, partners, sponsors, and agents make no representations or warranties regarding the accuracy, completeness, or suitability of the content provided on social media platforms. o Content Ownership and Rights: 1. All content shared on our social media accounts is owned by Savvy Living Solutions or licensed to us. You are not permitted to copy, redistribute, or republish our content without express permission. 2. If you share our content on any platform, you must credit us appropriately. o Disclaimer for Social Media Users 1. The information shared on our social media platforms is provided "as is" and we make no representations or warranties regarding its accuracy, completeness, or suitability for your needs. 2. Savvy Living Solutions, its owners, directors, employees, affiliates, partners, sponsors, and agents are not liable for any damages, losses, or claims arising from the use of the content shared on social media. 3. By engaging with our social media accounts, you acknowledge that you have reviewed our Terms of Service and Privacy Policy and agree to be bound by the terms specified therein. o Forwarding Content 1. If you forward or share our social media posts with others, you understand that the recipients are not bound by our Terms of Service and Privacy Policy unless they directly subscribe to our newsletter or interact with our official services. Savvy Living Solutions, its owners, directors, employees, affiliates, partners, sponsors, and agents are not responsible for any consequences arising from such forwarding. Interactions on our social media pages (including but not limited to Instagram and other platforms we may use in the future) are subject to the respective platform’s Terms of Service and Privacy Policy. We do not control how these platforms collect, store, or use data. Please refer to their policies for details. 11. Forwarded Emails o If you receive this newsletter as a forwarded email, you acknowledge that you have not entered into any agreement with Savvy Living Solutions and are not bound by its Terms of Service or Privacy Policy. o Savvy Living Solutions, its owners, employees, partners, affiliates, and any other associated parties make no representations or warranties regarding the accuracy, completeness, or reliability of forwarded content and disclaim all liability for any actions taken based on it. o Receipt of a forwarded email does not establish any contractual relationship, and any use or reliance on the content is at your own risk. o The original subscriber is solely responsible for ensuring that forwarding the newsletter does not violate any applicable laws, regulations, or our Terms of Service. Savvy Living Solutions disclaims all liability for unauthorized distribution, alterations, or misrepresentations of its content. o If you believe you have received this newsletter in error or wish to access our official policies, please visit www.savvylivingsolutions.com 12. Health and Safety Content o We are not responsible for any injury, damage, or property loss arising from the execution of home improvement or lifestyle tips provided in our newsletters. Always seek professional advice before undertaking tasks that could affect your health, safety, or property. o The content in our newsletter is not reviewed or created by certified professionals. It should not be considered professional advice in areas such as home improvement, finance, or health. 13. Termination & Suspension o We may suspend or terminate your access to the Services if you violate these Terms. o You may unsubscribe at any time. 14. Indemnification You agree to indemnify, defend, and hold harmless Savvy Living Solutions, its owners, employees, affiliates, partners, licensors, service providers, and any associated parties from and against any and all claims, liabilities, damages, losses, costs, expenses, or legal fees (including reasonable attorney’s fees) arising out of or related to: o Your use or misuse of the Services, including any reliance on the content provided. o Any violations of these Terms of Service, Privacy Policy, or applicable laws. o Any unauthorized sharing, forwarding, or distribution of the newsletter or its content. o Any claims or disputes brought by third parties due to your actions related to our Services. o Any modifications, misinterpretations, or misuse of the content by you or any party to whom you forward the newsletter. 15. Governing Law & Dispute Resolution o These Terms are governed by the laws of Ontario, Canada. o Any disputes must first go through mediation or arbitration before being brought to Ontario’s courts. 16. Contact Information o For questions, contact us at: [[email protected]] Privacy Policy Last Updated: [March 30, 2025] This Privacy Policy explains how we collect, use, and disclose your information when you use our services. By using the Service, you consent to the collection and use of information as described below. 1. Collection and Use of Personal Data o We collect personal information such as your email address, name, phone number, address, and usage data (e.g., device information and browsing data). o We use this data to provide and improve the Services, communicate with you, and send marketing updates (unless you opt-out). o We may use your data to send targeted content and advertisements based on your interactions with the Newsletter, such as open rates, click rates, and engagement data, in order to enhance your experience and personalize the content we provide. 2. Social Media and Data Collection: o If you interact with Savvy Living Solutions through social media platforms (such as Instagram), we may collect information such as your social media handle, interaction data (e.g., comments, likes), and engagement metrics. This data will be used in accordance with our Privacy Policy to improve user experience and offer tailored content. o Third-Party Links – We may share affiliate links or promotional content through Instagram. Any data collected via these third-party links is subject to the privacy policies of those third parties. o While we do not collect personal data directly from interactions on our social media pages, these platforms may track and store data about your engagement. We do not control or have access to this data. Please review the platform’s Privacy Policy for more details on how your information is handled. 3. Beehiiv as a Third-Party Service Provider o Our newsletter and website are hosted through Beehiiv, which processes your personal data in accordance with their Privacy Policy. o Beehiiv may collect data such as email open rates, click rates, and device information to improve the platform and provide analytics. o By subscribing, you consent to the processing of your data by Beehiiv, including the transfer of data across borders. 4. Cross-Border Data Transfers o Beehiiv may store and process data outside Canada, including in the U.S. or other jurisdictions. By subscribing, you consent to this transfer, but we do not control Beehiiv’s data security measures. 5. Cookies & Tracking Technologies o Beehiiv may use cookies and tracking technologies to monitor user engagement. You can opt out by adjusting your browser settings or contacting us directly. o We may also use cookies for functionality and analytics on our website. 6. Data Retention & User Rights o We do not directly store subscriber data; this is managed by Beehiiv. You may request data deletion or access by contacting us or Beehiiv directly. o You have the right to access, correct, or delete your personal information under Canadian law. 7. Disclosure of Personal Data o We may share your data with third parties for marketing purposes only with your explicit consent. o If we undergo a merger, acquisition, or asset sale, your data may be transferred to the new entity. 8. Limitation of Liability o We are not responsible for any data breaches or unauthorized access to data handled by Beehiiv. For concerns about your data, refer to Beehiiv’s Privacy Policy. 9. Changes to Privacy Policy o We may update this Privacy Policy from time to time. Continued use of the Service means you accept the revised Privacy Policy. 10. Contact Us o For questions about this Privacy Policy, contact us at: [[email protected]] o Website: www.savvylivingsolutions.com