Terms and Conditions

These terms and conditions outline the rules and regulations for the use of SFM Guru's Website, By accessing this website, you agree to abide by these terms and conditions. If you do not agree with these terms, please refrain from using the SFM Guru website.

Terminology

The following terminology applies to these Terms and Conditions, Privacy Statement, Disclaimer Notice, and all Agreements:

"Client", "You", and "Your" refer to you, the individual accessing this website and accepting these terms and conditions.
"The Company", "Ourselves", "We", "Our", and "Us" refer to SFM Guru.
"Party", "Parties", or "Us" refers to both the Client and ourselves.

All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client's needs concerning the provision of the Company's stated services, in accordance with and subject to prevailing law. Any use of the above terminology or other words in the singular, plural, capitalization, and/or he/she or they are interchangeable and therefore as referring to the same.

Cookies

We use cookies to enhance your experience on our website. By using SFM Guru, you consent to the use of cookies in accordance with our Privacy Policy.

Most interactive websites use cookies to enable us to retrieve the user's details for each visit. Cookies help us provide a better user experience by enabling certain functionalities and areas of our website. Some of our affiliates or advertising partners may also use cookies.

License

Unless otherwise stated, SFM Guru and/or its licensors own the intellectual property rights for all material on SFM Guru. All intellectual property rights are reserved. You may access this from SFM Guru for your own personal use, subject to restrictions set in these terms and conditions.

You must not:

Republish material from SFM Guru
Sell, rent, or sub-license material from SFM Guru
Reproduce, duplicate, or copy material from SFM Guru
Redistribute content from SFM Guru

Comments

Parts of this website offer users the opportunity to post and exchange opinions and information in certain areas. SFM Guru does not filter, edit, publish, or review Comments before their presence on the website. Comments do not reflect the views and opinions of SFM Guru, its agents, or affiliates. Comments reflect the views and opinions of the person posting them.

To the extent permitted by applicable laws, SFM Guru shall not be liable for the Comments or for any liability, damages, or expenses caused and/or suffered as a result of any use or posting of Comments on this website. We reserve the right to monitor all Comments and to remove any Comments deemed inappropriate, offensive, or in breach of these Terms and Conditions.

You warrant and represent that:

You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
The Comments do not infringe on any intellectual property rights, including copyright, patent, or trademark of any third party;
The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material which invades privacy;
The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You grant SFM Guru a non-exclusive license to use, reproduce, edit, and authorize others to use, reproduce, and edit any of your Comments in any and all forms, formats, or media.

Hyperlinking to Our Content

The following organizations may link to our Website without prior written approval:

Government agencies;
Search engines;
News organizations;
Online directory distributors that link to our Website in the same manner as they hyperlink to the Websites of other listed businesses;
System-wide Accredited Businesses, except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups.

These organizations may link to our home page, publications, or other Website information as long as the link:
(a) is not deceptive;
(b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and
(c) fits within the context of the linking party's site.

We may consider and approve other link requests from:

Commonly-known consumer and/or business information sources;
Dot-com community sites;
Associations or groups representing charities;
Online directory distributors;
Internet portals;
Accounting, law, and consulting firms; and
Educational institutions and trade associations.

Approval will be based on:
(a) The link would not make us look unfavorably to ourselves or our accredited businesses;
(b) The organization does not have any negative records with us;
(c) The benefit to us from the visibility of the hyperlink compensates the absence of SFM Guru;
(d) The link is in the context of general resource information.

Approved organizations may hyperlink to our Website using:

Our corporate name;
The uniform resource locator (URL) being linked to; or
Any other description of our Website that makes sense within the context and format of content on the linking party's site.

No use of SFM Guru's logo or other artwork will be allowed for linking absent a trademark license agreement.

iFrames

Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

Content Liability

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims arising from your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes or violates any third-party rights.

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You agree to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and our linking policy at any time. By continuously linking to our Website, you agree to be bound by and follow these linking terms and conditions.

Removal of Links

If you find any link on our Website that is offensive for any reason, please contact us at any time. We will consider requests to remove links but are not obligated to respond directly.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

Limit or exclude our or your liability for death or personal injury;
Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
Limit any of our or your liabilities in any way that is not permitted under applicable law; or
Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer:
(a) are subject to the preceding paragraph; and
(b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.