Terms & Conditions

These terms and conditions govern your use of investsmartlys.com. By using the site, you accept them.

Last updated: 16 August 2026

Table of Contents

What this site is

Invest Smartlys is an independent personal finance publication. We publish general information about investing, insurance, mortgages, credit and money management for readers in the United States, United Kingdom, Canada, Australia and Europe.

We are not a financial services firm, and nothing here is personalised advice. Our Disclaimer sets out those limits in full and forms part of these terms.

Using the site

You may read, print and share our articles for personal, non-commercial use. You may link to any page on the site without asking permission.

You may not:

Republish our articles in whole or substantial part on another site
Sell, rent or sub-license our content
Scrape the site systematically or use automated tools to copy content at scale
Present our content as your own
Use the site in any way that damages it or interferes with other users’ access

If you’d like to quote a passage with attribution and a link back, that’s fine. If you want to republish something in full, ask us first through the contact page.

Intellectual property

The written content on this site is ours unless stated otherwise. Images are licensed from stock providers or used under their respective licences.

Third-party names, trademarks and product names — banks, insurers, card issuers, airlines, investment platforms — belong to their owners. We reference them for identification and comment. We are not affiliated with, endorsed by, or partnered with any of them.

Comments

Comments are moderated before publication. We may remove anything that is abusive, defamatory, unlawful, spam, or promotional.

Comments reflect the views of whoever wrote them, not ours. By posting one, you confirm the content is yours to post and doesn’t infringe anyone else’s rights.

Accuracy and availability

We research carefully and cite primary sources, but we don’t guarantee that everything on the site is complete, current or error-free. Rates, rules and product terms change constantly.

We also don’t guarantee the site will always be available or uninterrupted.

If you find an error, tell us and we’ll correct it. Our Editorial Policy explains how.

External links

We link to regulators, government bodies, banks, insurers and other organisations so you can verify what we’ve written. We don’t control those sites and aren’t responsible for their content, which can change without notice.

A link is not an endorsement.

No affiliate relationships

We hold no affiliate or commission arrangements with the financial products, providers or platforms we write about. We are not paid when a reader opens an account, buys a policy or applies for a card.

The site does not currently display third-party advertising. If that changes, we will say so clearly.

Liability

The site and its content are provided free of charge. To the extent permitted by law, we accept no liability for loss or damage arising from your use of the site or reliance on anything published here.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded — including liability for death or personal injury caused by negligence, or for fraud.

Privacy

How we handle data is set out in our Privacy Policy, which forms part of these terms.

Changes to these terms and conditions

We may update these terms. Changes take effect when posted here, and the date at the top will reflect the most recent revision. Continuing to use the site after a change means you accept the updated terms.

Governing law

These terms are governed by the laws of the United Arab Emirates, and the courts of Dubai shall have jurisdiction over any dispute arising from them. This does not affect any consumer rights you have under the law of your own country of residence.

Contact

Questions about these terms go through our contact page.

See also our About page, Editorial Policy, Privacy Policy and Disclaimer.