Effective Date: February 15, 2026
Welcome to Shopaholics in the Know (“SitK,” “we,” “us,” or “our”). By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree, you must discontinue use immediately.
Your continued use of the website constitutes acceptance of these Terms.
1. Informational and Educational Purposes Only
All content published on Shopaholics in the Know is provided strictly for informational and educational purposes only.
Nothing on this website constitutes financial, investment, legal, tax, accounting, or other professional advice. SitK is not a registered investment advisor, broker-dealer, financial planner, attorney, or fiduciary.
No content should be interpreted as:
- A recommendation to buy, sell, or hold any security or investment
- An offer or solicitation
- Personalized financial advice
- A guarantee of results
You are solely responsible for evaluating the merits and risks associated with any information before making financial, business, or purchasing decisions.
2. No Professional or Fiduciary Relationship
Your use of this website does not create any advisory, fiduciary, agency, partnership, employment, or client relationship between you and SitK or its owners, contributors, affiliates, or representatives.
No communication through this website or via email creates a professional relationship.
3. Investment and Market Risk Disclosure
Any discussion of investments, markets, companies, or financial performance involves inherent risk. Past performance does not guarantee future results.
Financial markets are volatile. Company performance, valuations, pricing, and business conditions may change rapidly and unpredictably.
You acknowledge that any reliance on information provided on this website is done entirely at your own risk.
4. No Warranties
The website and all content are provided on an “as is” and “as available” basis.
To the fullest extent permitted by law, SitK disclaims all warranties, express or implied, including but not limited to:
- Accuracy
- Completeness
- Reliability
- Timeliness
- Merchantability
- Fitness for a particular purpose
- Non-infringement
We do not guarantee that the website will be uninterrupted, secure, or error-free.
5. Limitation of Liability
To the fullest extent permitted by applicable law, Shopaholics in the Know and its owners, contributors, affiliates, contractors, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to:
- Use of or inability to use the website
- Reliance on any information or analysis
- Financial or investment losses
- Business decisions or missed opportunities
- Errors or omissions
- Website interruptions or technical issues
This limitation applies regardless of the legal theory asserted.
Your sole remedy for dissatisfaction with the website is to discontinue use.
6. No Duty to Update
We strive to provide accurate information, but we make no representation that content is current or complete.
We are under no obligation to update, revise, or correct previously published material.
7. Forward-Looking Statements
Content may include projections, expectations, or forward-looking statements regarding markets, companies, products, or financial performance.
Such statements are inherently uncertain and subject to risk. Actual results may differ materially.
8. User Responsibility
You agree that you are solely responsible for your decisions, actions, and outcomes resulting from your use of this website.
You agree to conduct independent research and consult qualified professionals before making financial, investment, tax, legal, or business decisions.
9. Affiliate and Advertising Disclosure
SitK may participate in affiliate marketing programs and may receive compensation for products or services referenced on the website.
Compensation does not constitute endorsement, guarantee, or recommendation.
Purchasing decisions are made at your own discretion and risk.
10. Third-Party Links and Content
This website may contain links to third-party websites or references to third-party companies.
SitK does not control, endorse, or assume responsibility for third-party content, products, services, or practices.
Accessing third-party websites is done entirely at your own risk.
11. Indemnification
You agree to indemnify, defend, and hold harmless Shopaholics in the Know and its owners, contributors, affiliates, and representatives from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorney’s fees, arising from:
- Your use of the website
- Your reliance on website content
- Your violation of these Terms
- Any dispute between you and a third party
12. Dispute Resolution and Class Action Waiver
Any dispute arising out of or relating to these Terms or your use of the website shall be resolved through binding arbitration under applicable United States law.
You agree to resolve disputes on an individual basis and waive any right to participate in a class action lawsuit, class-wide arbitration, or jury trial.
13. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States of America, without regard to conflict of law principles.
14. Limitation Period
Any claim arising out of or relating to your use of the website must be filed within one year from the date the claim arose. Claims filed after this period are permanently barred.
15. Right to Refuse or Terminate Access
We reserve the right to restrict, suspend, or terminate access to the website at our sole discretion, without notice or liability.
16. Severability and Survival
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Provisions relating to limitation of liability, indemnification, dispute resolution, and governing law shall survive termination of use.