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Financial Disclaimer & Terms of Use

Financial Disclaimer & Terms of Use

**PLEASE READ CAREFULLY.** By accessing or using the tools, calculators, and content provided on this website (smartlivingfinds.blogspot.com), you acknowledge and agree to be bound by the terms and conditions outlined below.

1. Professional Financial Disclaimer

The content on Smart Living Finds, including all tools, calculators, blog posts, articles, and financial formulas, is **for informational and educational purposes only**.

  • **Not Financial Advice:** The information and simulations provided on this website **do not constitute financial, investment, tax, legal, or professional advice**. We are not licensed financial advisors, brokers, or regulatory experts.
  • **Use at Your Own Risk:** All results generated by the dynamic tools (such as the DAO Treasury Forecaster, ROI calculators, etc.) are **hypothetical** and are provided as rough estimates of potential future performance based on user-supplied inputs and publicly known mathematical formulas. They may not reflect actual investment results.
  • **No Endorsement:** We do not recommend or endorse any specific investment, strategy, or financial product. You should **consult a licensed financial professional** before making any investment decisions.

2. High-Risk Warning (Crypto/DeFi Assets)

Cryptocurrencies, DeFi protocols, yield farming, stablecoin management, and Web3 assets are **highly volatile and speculative**.

  • **Risk of Loss:** You should be prepared to lose all the money you invest in these markets.
  • **Regulatory Uncertainty:** Digital assets are largely unregulated and subject to rapidly evolving regulatory conditions across jurisdictions.
  • **Tool Limitation:** The tools cannot account for "black swan" events, smart contract failures, protocol hacks, or sudden market illiquidity (**slippage**), all of which carry significant risk.

3. Privacy, Cookies, and Third-Party Ads

This website is monetized through the Google AdSense program.

  • **AdSense/Third Parties:** Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to your website or other websites.
  • **Cookie Disclosure:** By using this site, you consent that third parties may be placing and reading cookies on your users' browsers, or using web beacons to collect information as a result of ad serving on this website.
  • **Privacy Policy Link:** For full details on data collection, please review our separate Privacy Policy page.

4. Limitation of Liability

Smart Living Finds and its author, Azhar Naseem, shall not be held liable for any loss, damage, or adverse outcome resulting from the use of, or reliance on, any information, tool, or calculation provided on this website. You assume all responsibility and risk for your use of the Available Information.

5. Affiliate Disclosure (FTC Compliance)

Some links on this website may be affiliate links. If you click on one of these links and make a purchase or sign up for a service, we may receive a small commission at no extra cost to you. This commission helps support the maintenance of this website and the development of new tools.

**Last Updated:** [Insert Today's Date] | **Author:** Azhar Naseem

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