Be Smart With Your Money® logoBe Smart With Your Money®

Terms of Use

Last Updated: September 20, 2026

DEMO DRAFT: Pending legal review

Acceptance of Terms

These Terms of Use govern access to and use of BeSmartWithYourMoney.com. By using the website, you agree to these Terms, the Privacy Policy, and the Legal, Licensing, and Product Disclosures posted on the website.

Educational and Informational Purpose

Website content is provided for general educational and informational purposes and is not individualized legal, tax, accounting, investment, medical, or financial advice. Product descriptions are summaries and do not replace the governing policy, contract, plan document, membership guidelines, provider terms, or other controlling documents.

No Coverage, Enrollment, or Professional Relationship Created

Viewing the website, submitting a Contact Form, sending an email, leaving a telephone message, or receiving general information does not bind insurance coverage, enroll a person in an insurance plan or health-sharing program, create a healthcare provider-patient relationship, guarantee eligibility, or create any other contract unless expressly completed under the applicable carrier or provider process.

Licensing and Availability

Insurance and other regulated services are offered only through appropriately licensed, certified, appointed, or authorized professionals. Products and services vary by jurisdiction, provider, and professional. Availability throughout the United States and U.S. territories is subject to applicable law, licensing, carrier/provider authorization, and service availability.

Contact Form and Lead Routing

The Contact Form is intended to request information or contact. By submitting it, you understand that Be Smart With Your Money® may review the inquiry and either respond directly or, subject to your authorization and applicable law, route the inquiry to an appropriately qualified independent professional. Additional consent may be required before certain Medicare, Marketplace, insurance, health, or other regulated information can be used or shared.

Permitted Use

You may use the website for lawful informational purposes. You may not interfere with website security, attempt unauthorized access, introduce malicious code, impersonate another person, submit false information, misuse website content, or use the website in violation of applicable law.

Intellectual Property

Original website content, branding, graphics, and other materials are owned by or licensed to Be Smart With Your Money LLC unless otherwise indicated. Be Smart With Your Money® is a protected brand. Third-party trademarks and logos remain the property of their respective owners.

Third-Party Products, Services, and Links

Third-party carriers, providers, platforms, and independent professionals control their own products, services, eligibility, pricing, contracts, privacy practices, and performance. Links are provided for convenience and do not make Be Smart With Your Money LLC responsible for a third party's website or performance.

No Guarantee of Results

No website statement guarantees insurance approval, underwriting classification, savings, policy performance, health outcomes, debt reduction, retirement income, business savings, commissions, recruiting results, or any other particular outcome. Actual results depend on individual circumstances and the governing terms of the applicable product or service.

Website Accuracy and Availability

We seek to keep website information useful and current, but laws, regulations, products, carrier/provider requirements, prices, benefits, networks, service areas, and other information may change. We do not guarantee that every item of website information will always be complete, current, or error-free.

Limitation of Liability

To the fullest extent permitted by applicable law, Be Smart With Your Money LLC will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from use of or inability to use this website. Nothing in these Terms limits liability that cannot lawfully be limited.

Governing Law

These Terms are intended to be governed by applicable federal law and the laws of the State of New Jersey, except where another jurisdiction's law must apply.

Changes

We may revise these Terms from time to time. The revised version will be posted with an updated date.

Contact

Be Smart With Your Money LLC

2227 US Highway 1 South, Ste 222

North Brunswick, NJ 08902-4402

Business Office: 877-847-7731

Fax: 908-679-5261

Legal, Licensing, and Product Disclosures

Be Smart With Your Money® is a multi-service business providing access to insurance, healthcare-related, retirement and legacy solutions, essential services, and small-business solutions. Insurance and other regulated products are offered only through appropriately licensed, certified, appointed, or otherwise authorized professionals. Be Smart With Your Money® may work with independent licensed professionals whose carrier appointments and product authorizations differ. Services may be available throughout the United States and U.S. territories where permitted by applicable law, licensing requirements, carrier/provider authorization, and service availability. Information regarding applicable insurance licensing is available upon request.

1. General Information & Scope: All information, descriptions, examples, and illustrations on this website are for general educational and informational purposes only. They do not constitute individualized legal, tax, investment, medical, or financial advice and do not, by themselves, create a binding contract for insurance, healthcare products, essential services, or other services.

2. Jurisdictional & Product Availability: Coverage, terms, benefit structures, eligibility, underwriting, carrier appointments, and service availability vary by state or territory, provider, product, and individual circumstances. Not all products or services listed on this website are available in every jurisdiction or through every professional affiliated with or referred by Be Smart With Your Money®. Insurance coverage is subject to the underwriting guidelines, policy terms, limitations, approval, licensing, and appointment requirements of the applicable issuing carrier.

3. No Binding Authority: Coverage cannot be bound, initiated, altered, renewed, or cancelled through this website, its general electronic Contact Form, text message, or ordinary email. No insurance policy becomes effective until approved and issued by the applicable insurance carrier in accordance with its requirements. Non-insurance services are subject to the applicable provider's enrollment, eligibility, contract, and service terms.

4. Health Sharing Ministries / Non-Insurance Products: Health-sharing programs, health care sharing ministries (HCSMs), and other alternative health-sharing programs are NOT health insurance policies. They are not regulated in the same manner as traditional health insurance, and payment or sharing of medical bills is not guaranteed. Eligibility for sharing and the sharing of eligible medical expenses are governed by the applicable program's membership guidelines, limitations, exclusions, and terms.

5. Essential Services & Business Solutions: Commercial services, residential and business essential services, utilities, and operational solutions showcased on this website may be provided by independent third-party vendors. Be Smart With Your Money LLC may act as an authorized independent representative, referral source, broker, or agent, as applicable to the particular service, and is not responsible for the direct fulfillment, performance, billing, pricing, or service delivery of independent third-party providers.

6. Medicare / CMS Disclosure: Be Smart With Your Money® works with licensed Medicare professionals whose Medicare carrier contracts and plan appointments may differ by agent and service area. When Medicare plan information is provided, the licensed professional assisting the beneficiary will identify the Medicare organizations and plans that professional is authorized to represent and will provide the then-current CMS-required Third-Party Marketing Organization (TPMO) disclaimer applicable to that Medicare interaction. Be Smart With Your Money LLC is not Medicare, Medicare.gov, or an agency of the federal government. Consumers may contact Medicare.gov, 1-800-MEDICARE, or their local State Health Insurance Assistance Program (SHIP) for information about all available Medicare options.