Effective Date: 1st of May 2025
Welcome to the official website of Monsenge Katemo, author of Smart Money Moves – Mastering Saving & Investment in 2025. These Terms and Conditions (“Terms”) govern your use of this website (the “Site”) and any content, services, products, or tools provided on or through this Site.
Please read these Terms carefully. By using this website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use this website.
1. Use of Website
This website is intended to provide information about personal finance, promote the author’s books, offer downloadable tools, and facilitate newsletter sign-ups. You may use this Site only for lawful purposes and in accordance with these Terms.
You agree not to:
- Use the site for any fraudulent or unlawful purpose
- Interfere with or disrupt the operation of the site
- Attempt to gain unauthorized access to the Site or its related systems
2. Intellectual Property
All content on this Site, including but not limited to text, graphics, images, video, downloads, and the design of the site, is the intellectual property of Monsenge Katemo or its licensors. You may not reproduce, distribute, or otherwise use any content without express written permission, except for personal, non-commercial use.
3. User Contributions
By submitting comments, feedback, or testimonials to the site, you grant us the right to use and display such content for promotional purposes, unless otherwise requested in writing.
You agree that your submissions:
- Do not violate any third-party rights
- Are not defamatory, abusive, or offensive
- Are truthful and accurate to the best of your knowledge
4. Disclaimer of Advice
The content provided on this website is for educational and informational purposes only. It does not constitute financial, legal, tax, or investment advice. Always consult a licensed financial professional before making major financial decisions.
Monsenge Katemo disclaims any liability for actions taken based on information provided on this site.
5. External Links
This Site may contain links to third-party websites (such as Amazon or financial tools). We are not responsible for the content, accuracy, or privacy practices of these external sites. Inclusion of a link does not imply endorsement.
6. Affiliate Disclosure
Some of the links on this Site may be affiliate links. This means we may earn a small commission if you purchase through these links—at no additional cost to you. We only recommend products or services we believe will benefit our audience.
7. Email Newsletter & Communications
By subscribing to our newsletter, you agree to receive periodic updates, promotions, and educational content. You may unsubscribe at any time using the link at the bottom of each email.
We respect your privacy. View our Privacy Policy for more details on how your data is handled.
8. Digital Products & Downloads
From time to time, the Site may offer free or paid digital downloads such as budgeting templates or eBooks. These are for personal use only and may not be redistributed or sold without written permission.
9. Limitation of Liability
To the fullest extent permitted by law, Monsenge Katemo shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of the Site.
10. Modifications
We reserve the right to modify or update these Terms at any time. All changes will be posted on this page with an updated effective date. Continued use of the site after such changes constitutes your acceptance of the revised Terms.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of laws principles.
12. Contact Us
If you have questions or concerns regarding these Terms, please contact us at:
Monsenge Katemo
Email: mon.kat@smartmoneymoves.co.uk
Website: smartmoneymoves.co.uk
Phone: +44 7308 226227