By accessing or using our website, www.brilliantspendingguide.com, and services, you agree to be bound by these Terms of Use and our Privacy Policy.

1. Intellectual Property: Our website and its entire contents, features, and functionality are owned by Brilliant Spending Guide and are protected by intellectual property rights laws. You may not reproduce, distribute, modify, or create derivative works from our website or any of its content without our prior written consent.
2. User Conduct: You agree to use our website and services only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict or inhibit their use and enjoyment of our website and services. You are responsible for ensuring that your use of our website and services complies with all applicable laws and regulations.
3. User Content: Our website may allow you to post, upload, or submit content (collectively, “User Content”). By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free, and perpetual license to use, reproduce, modify, adapt, publish, translate, and distribute your User Content in any existing or future media.
4. Third-Party Links: Our website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.
5. Disclaimer of Warranties: Your use of our website and services is at your sole risk. Our website and services are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied.
6. Limitation of Liability: In no event shall Brilliant Spending Guide, our affiliates, or our respective directors, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services.
7. Indemnification: You agree to indemnify, defend, and hold harmless Brilliant Spending Guide, our affiliates, and our respective directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses arising out of or relating to your use of our website or services, your violation of these Terms of Use, or your infringement of any third-party rights.
8. Governing Law and Jurisdiction: These Terms of Use and any disputes arising out of or relating to your use of our website or services shall be governed by and construed in accordance with the laws. Any legal actions or proceedings relating to these Terms of Use or your use of our website or services shall be brought exclusively to the courts.
9. Changes to These Terms of Use: We reserve the right to modify or update these Terms of Use at any time without prior notice. Your continued use of our website and services after any modifications constitutes your acceptance of the updated Terms of Use.

By using this website, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, please do not use our website or services.