Terms of Use

---

Welcome to SmartGuy.com, a division of Cristal Solutions, Inc., a California Corporation, having its principal place of business at 9663 Santa Monica Blvd., Suite 120, Beverly Hills, CA 90210 (collectively "SmartGuy.com"). SmartGuy is a platform dedicated to fostering personal growth through self-discovery tools, educational resources, and community engagement. By accessing or using our website ("Site") and services ("Services"), you agree to abide by the following Terms of Service ("Terms"). If you do not agree to these Terms, please refrain from using our Services.

By using SmartGuy.com, you agree to these Terms, our Privacy Policy, and any other policies referenced herein. We reserve the right to modify these Terms at any time, and your continued use of the Services constitutes acceptance of the updated Terms. We may notify you of changes via email or by posting a notice on our Site, but it remains your responsibility to review the Terms periodically.

These Terms also apply to our affiliated websites:

• Catholic Rising
• Mind Balance
• Total Catholic
• Catholic Holidays
• Reconnect With God
• Promise of Eternal Life
• Join Catholic
• Live Like a Saint
• Free CatholicVideos
• Promised Messiah
• Attend Mass
• Angels and Demons
• Power of Confession
• Smart Guy
• Catholic Blog
• Catholic Authority
• and others we create from time to time.

By using any of these affiliated websites, you agree to be bound by the same Terms and Conditions outlined herein.

SmartGuy.com offers:

• Personality assessments for self-improvement.
• A library of self-growth resources, including videos, articles, and interactive content.
• Tools for tracking personal progress.
• The "Hero" program for aligning personality traits with historical figures.
• An affiliate program for healthcare professionals.

All Services are provided "as is" for informational and educational purposes only and do not constitute professional advice. We do not guarantee any specific results from the use of our Services. Users should consult with licensed professionals for any medical, psychological, or legal concerns.

You must be at least 18 years old to use our Services. By creating an account, you represent and warrant that all information provided is accurate and that you have the legal capacity to agree to these Terms. We reserve the right to refuse service to anyone for any reason at our discretion.

• Users must create an account to access certain features.
• You are responsible for maintaining the confidentiality of your login credentials.
• SmartGuy.com is not liable for any unauthorized use of your account.
• You agree to notify us immediately of any suspected unauthorized access or security breach.
• We reserve the right to terminate accounts deemed to be in violation of these Terms.

By using SmartGuy.com, you agree not to:

• Violate any applicable laws or regulations.
• Post false, misleading, or offensive content.
• Attempt to disrupt or interfere with our Services.
• Copy, modify, or distribute our content without authorization.
• Use our Services for fraudulent or unlawful purposes.
• Engage in harassment, hate speech, or any form of abusive behavior.

We reserve the right to remove any content that violates these Terms and to suspend or terminate accounts engaging in prohibited conduct.

All content, including text, images, videos, and software, is the property of SmartGuy.com or its licensors. Unauthorized use of our intellectual property is strictly prohibited. You may not reproduce, distribute, modify, or create derivative works based on our content without express written permission.

• SmartGuy.com does not guarantee the accuracy or effectiveness of the information provided.
• Your use of our Services is at your own risk.
• We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site.
• We do not warrant that our Services will be uninterrupted, error-free, or free of harmful components.
• Users assume full responsibility for any actions taken based on information obtained from our Site.
• In no event shall our total liability exceed the amount you paid for the Services in the six months preceding any claim.

Some jurisdictions do not allow certain disclaimers or limitations of liability, so these provisions may not fully apply to you.

Our Site may contain links to third-party websites. SmartGuy.com is not responsible for the content, accuracy, or privacy practices of these external sites. Users access third-party services at their own risk and should review the terms and policies of any third-party websites they visit.

We reserve the right to suspend or terminate your account at any time if you violate these Terms. You may also delete your account at any time. Upon termination, you must cease all use of our Services. Any provisions of these Terms that by their nature should survive termination shall remain in effect, including intellectual property rights, disclaimers, and limitations of liability.

You agree to indemnify and hold harmless SmartGuy.com, its affiliates, employees, officers, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our Services.
• Your violation of these Terms.
• Any content you submit, post, or transmit through our Services.
• Any disputes between you and other users or third parties.

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Los Angeles County, California. Users outside the United States must comply with their local laws when using our Services.

SmartGuy.com is not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to natural disasters, power failures, cyberattacks, labor disputes, or governmental actions.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms constitute the entire agreement between you and MindBalance.net regarding your use of our Services and supersede any prior agreements or understandings.

If you have any questions about these Terms, please contact us at info@SmartGuy.com.

Last Updated: May 24, 2024