Terms Of Use

Welcome to Savvy Broke (savvybroke.com). By accessing, browsing, or using this Website, you agree to be bound by these Terms of Use (“Terms”) and our Privacy Policy, which is incorporated herein by reference. If you do not agree with these Terms, please do not use the Website.

These Terms constitute a legally binding agreement between you (“you,” “user,” or “your”) and Savvy Broke, operated by Tehseen Riaz (“we,” “us,” “our,” or “the Website”). We may update these Terms from time to time, and your continued use of the Website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Savvy Broke is a personal finance blog and educational website that provides articles, guides, and resources about money management, budgeting, saving, investing, debt, credit, and related topics. The Website is operated by Tehseen Riaz, who holds a degree in Commerce and has over fourteen years of experience managing business accounts and a marketplace with one hundred and fifty shops.

The Website offers content for general informational and educational purposes only. In particular, please note what the Website is not:

• ✕ Not a financial advisory service
• ✕ Not an investment advisory service
• ✕ Not a tax preparation service
• ✕ Not a credit counseling service
• ✕ Not a legal service
• ✕ Not a mental health service

The content on this Website does not constitute personalized financial, investment, tax, legal, or mental health advice. Please see Section 5 (Disclaimers) below for important limitations on the information provided.

3.1 Our Content

All content published on the Website, including but not limited to articles, blog posts, guides, FAQs, images, graphics, logos, page headers, button icons, scripts, and software (collectively, “Content”), is the property of Savvy Broke or its content creators and is protected by United States and international copyright laws. Copyright protection arises automatically upon the creation of the work, as confirmed by applicable copyright law.

The name “Savvy Broke,” the logo, and all related marks are trademarks of Savvy Broke. Unauthorized use of any trademark is prohibited.

All rights not expressly granted to you in these Terms are reserved by Savvy Broke.

3.4 User-Generated Content (Comments)

If the Website allows users to leave comments or submit other content (“User Content”), you retain ownership of your User Content, but you grant Savvy Broke a non-exclusive, royalty-free, worldwide, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, distribute, modify, adapt, publish, translate, and display your User Content in connection with the operation of the Website.

You represent and warrant that your User Content:

• Does not violate the intellectual property rights, privacy rights, or any other rights of any third party.
• Does not contain defamatory, obscene, threatening, harassing, or otherwise unlawful material.
• Does not contain unsolicited advertising, promotional material, or spam.
• Does not contain personal information about another person without their consent.
• Does not impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity.

Savvy Broke reserves the right, but has no obligation, to monitor, edit, or remove User Content that we believe, in our sole discretion, violates these Terms or is otherwise objectionable. We also reserve the right to suspend or terminate access for users who repeatedly violate these Terms.

In accordance with the Federal Trade Commission (“FTC”) endorsement guides (16 CFR Part 255) and the FTC Act, we disclose the following:

We only recommend products, services, and resources that we believe may be genuinely helpful to our readers. However, any recommendations are based on our own assessment and are not guarantees of performance or suitability for your specific situation.

The inclusion of affiliate links does not influence the editorial content of our articles. Our content is created independently of any affiliate relationship, and our reviews and recommendations are based on our own research and experience, not on the commission we may receive.

If you have questions about our affiliate relationships, please contact us at the email address listed in Section 14 (Contact Us).

5.1 Not Professional Financial Advice

The Content on this Website is provided for general informational and educational purposes only. It is not, and should not be interpreted as, personalized financial advice, investment advice, tax advice, legal advice, accounting advice, or credit counseling advice.

Tehseen Riaz, the founder and writer of Savvy Broke, holds a degree in Commerce and has over fourteen years of experience managing business accounts and a marketplace. However, he is not a certified financial planner (CFP), a chartered financial analyst (CFA), a registered investment advisor (RIA), a certified public accountant (CPA), a tax professional, a credit counselor, a bankruptcy attorney, or a licensed professional of any kind in the fields of finance, law, or mental health.

Nothing on this Website constitutes a recommendation to buy, sell, or hold any security, or to take any specific financial action. Any investment, financial, or tax decisions you make are your sole responsibility.

5.2 Not Mental Health Advice

Some content on this Website addresses the emotional and psychological aspects of money, including financial stress, financial anxiety, and the relationship between money and mental health. This content is provided for general informational and educational purposes only. It is not, and should not be interpreted as, mental health advice, psychological counseling, therapy, or a substitute for professional mental health care.

5.3 No Warranty of Accuracy

While we make every effort to ensure that the information on this Website is accurate, complete, and up-to-date at the time of publication, we make no warranties or representations of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Website.

Financial information, statistics, laws, and regulations change frequently. Information that was accurate at the time of publication may become outdated. You should independently verify any information before relying on it for decision-making purposes.

Any reliance you place on the information on this Website is strictly at your own risk.

5.4 No Guarantee of Results

The strategies, tips, and methods described on this Website are based on research, the author’s experience, and the experiences of others. However, individual results vary, and there is no guarantee that any strategy will produce a specific outcome. Your financial situation, circumstances, and goals are unique to you, and what works for one person may not work for another.

To the fullest extent permitted by applicable law, in no event shall Savvy Broke, its owner, author, affiliates, partners, service providers, or contributors be liable for any direct, indirect, incidental, consequential, special, or exemplary damages, including but not limited to:

• Loss of profits, revenue, or savings.
• Loss of data or business opportunity.
• Financial loss or investment losses.
• Emotional distress or mental suffering.
• Any other tangible or intangible losses.

arising out of or in connection with your use of, or inability to use, the Website or its Content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been advised of the possibility of such damages.

You acknowledge that you are responsible for your own financial decisions and that Savvy Broke is not liable for any actions you take, or fail to take, based on the Content of this Website.

You agree not to use the Website to:

• Violate any applicable local, state, national, or international law or regulation.
• Infringe upon the intellectual property rights, privacy rights, or any other rights of any person or entity.
• Upload, post, transmit, or otherwise make available any content that is defamatory, obscene, pornographic, threatening, harassing, hateful, or otherwise objectionable.
• Upload or transmit any viruses, malware, trojan horses, or other malicious code.
• Interfere with, disrupt, or impair the security or operation of the Website, its servers, or its networks.
• Attempt to gain unauthorized access to the Website, its server, or any portion of the Website that is not intended for public access.
• Use the Website to send unsolicited advertising, promotional material, or spam.
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity.
• Collect or store personal data about other users without their express consent.
• Use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment of the Website.

The Website may contain links to third-party websites, services, and resources that are not owned or controlled by Savvy Broke. These links are provided for your convenience and reference only.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not endorse, and are not responsible for, the accuracy, reliability, or quality of any information, products, or services offered on or through third-party websites.

Your use of third-party websites and services is at your own risk, and you should review the terms of use and privacy policies of any third-party site before using it. Savvy Broke is not liable for any damages or losses arising from your use of third-party websites or services.

Savvy Broke respects the intellectual property rights of others and expects users to do the same. If you believe that any Content on the Website infringes your copyright, you may submit a notification under the Digital Millennium Copyright Act (“DMCA”), 17 U.S.C. § 512(c)(3).

To file a DMCA takedown notice, please send a written communication to the email address listed in Section 14 (Contact Us) that includes the following:

1. ① A physical or electronic signature of the copyright owner or a person authorized to act on their behalf.
2. ② Identification of the copyrighted work that you claim has been infringed.
3. ③ Identification of the material on the Website that you claim is infringing, including the URL or other specific location of the material.
4. ④ Your contact information, including your name, address, telephone number, and email address.
5. ⑤ A statement that you have a good-faith belief that the use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
6. ⑥ A statement, made under penalty of perjury, that the information in your notification is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

We will process and respond to valid DMCA notices in accordance with applicable law. We reserve the right to remove or disable access to allegedly infringing material upon receipt of a valid notice.

You agree to indemnify, defend, and hold harmless Savvy Broke, its owner, author, affiliates, partners, service providers, and contributors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with:

• Your use of the Website or your violation of these Terms.
• Your violation of any applicable law or the rights of any third party.
• Any User Content you submit to the Website.

Savvy Broke reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with us in asserting any available defenses. You may not settle any matter without our prior written consent.

We reserve the right to modify or update these Terms at any time, at our sole discretion. When we make material changes, we will update the “Last Updated” date at the top of this page and, where appropriate, notify users by posting a prominent notice on the Website.

Your continued use of the Website after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you should stop using the Website.

We encourage you to review these Terms periodically to stay informed of any changes.

12.1 Governing Law

These Terms and any dispute arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan, without regard to its conflict of law provisions. The parties agree that the courts of Karachi, Pakistan, shall have exclusive jurisdiction over any dispute arising under these Terms. If you are accessing the Website from outside Pakistan, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

12.2 Informal Dispute Resolution

Before initiating formal legal proceedings, both parties agree to attempt to resolve any dispute through good-faith informal negotiation. If you have a dispute, you agree to first contact us at the email address listed in Section 14 (Contact Us) and provide a detailed description of the issue. We will attempt to respond within 30 days.

12.3 Binding Arbitration

If the dispute cannot be resolved through informal negotiation, both parties agree to submit the dispute to final and binding arbitration, rather than proceeding in court. The arbitration shall be conducted by a single arbitrator in accordance with the Arbitration Act, 1940 of Pakistan. The arbitration shall take place in Karachi, Pakistan. The arbitrator’s decision shall be final and binding, and judgment may be entered on it in any court of competent jurisdiction in Karachi.

Each party shall bear its own costs and attorneys’ fees, unless the arbitrator determines otherwise. This arbitration provision survives termination of these Terms.

12.4 Class Action Waiver

We reserve the right to suspend or terminate your access to the Website at any time, without notice, for any reason, including but not limited to your violation of these Terms or any applicable law.

Upon termination, all licenses and rights granted to you under these Terms shall immediately cease. The following sections shall survive termination:

• §3 Intellectual Property Rights
• §5 Disclaimers
• §6 Limitation of Liability
• §10 Indemnification
• §12 Governing Law and Dispute Resolution
• §13 Termination

If you wish to terminate your account (if applicable) or unsubscribe from our email newsletter, you may do so by contacting us at the email address listed in Section 14 (Contact Us) or by using the unsubscribe link in any email we send you.