Terms & Conditions

TopSavingsTips.com | Effective Date: May 13, 2026

These Terms and Conditions ("Terms") govern your access to and use of TopSavingsTips.com (the "Site"), owned and operated by BlueKeel LLC ("Company," "we," "our," or "us"). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please discontinue use of the Site immediately.

1. Eligibility

By using the Site, you represent and warrant that:

2. Nature of the Site

TopSavingsTips.com is a content and informational website that publishes articles, tips, and resources related to saving money, personal finance, and consumer topics. The Site generates revenue primarily through display advertising, including Google AdSense.

We are not a lender, financial institution, insurance carrier, financial advisor, credit repair organization, or legal services provider. We do not offer financial products, issue credit, or guarantee any financial outcomes.

3. Informational Content Only

All content published on the Site is for general informational and educational purposes only. Nothing on the Site constitutes:

You should always consult a qualified professional before making financial, legal, or tax decisions. We make no representations or warranties regarding the accuracy, completeness, or suitability of any content for your specific situation.

4. Advertising Disclosure

The Site displays third-party advertisements served by Google AdSense and potentially other advertising networks. These advertisements help support the free content we provide.

Some articles may contain affiliate links, meaning we may earn a small commission if you click a link and make a purchase. This comes at no additional cost to you. We only recommend products or services we believe may be of value to our readers.

Sponsored content, if any, will be clearly labeled as such. The presence of advertising or affiliate relationships does not influence our editorial content.

5. User Responsibilities

By using the Site, you agree not to:

We reserve the right to suspend or terminate access to the Site for any user who violates these Terms.

6. Intellectual Property

All content on the Site, including text, graphics, logos, images, article content, software, and design elements, is owned by or licensed to BlueKeel LLC and is protected under applicable copyright, trademark, and intellectual property laws.

You may not copy, reproduce, distribute, republish, transmit, sell, or otherwise exploit any Site content without our prior written consent. You may share links to our content and quote brief excerpts with proper attribution.

7. Third-Party Links

The Site may contain links to third-party websites, products, or services. These links are provided for convenience and informational purposes only. We do not endorse or control third-party content and are not responsible for:

Your use of third-party websites is at your own risk and subject to their respective terms and privacy policies.

8. Disclaimers

The Site and all content are provided "as is" and "as available" without warranties of any kind, either express or implied. To the maximum extent permitted by law, we disclaim all warranties including those of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not guarantee the accuracy, completeness, or timeliness of any content published on the Site.

9. Limitation of Liability

To the maximum extent permitted by law, BlueKeel LLC, its owners, officers, employees, affiliates, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or business interruption, arising from your use of or inability to use the Site or its content.

This limitation applies regardless of the legal theory under which the claim is brought. Our total liability to you for any claim shall not exceed one hundred U.S. dollars ($100).

10. Indemnification

You agree to indemnify, defend, and hold harmless BlueKeel LLC and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the Site, your violation of these Terms, or your violation of any applicable law.

11. Dispute Resolution and Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association (AAA) under its applicable rules.

You waive the right to a jury trial and the right to participate in any class action, consolidated action, or representative proceeding. Arbitration shall take place in Northbrook, Illinois. This provision survives termination of these Terms.

If arbitration is found unenforceable, disputes shall be resolved exclusively in the courts located in Northbrook, Illinois, and you consent to personal jurisdiction in those courts.

12. California Residents

California residents may have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). Please review our Privacy Policy for details on your rights and how to exercise them.

13. Electronic Communications

By using the Site or communicating with us electronically, you consent to receive communications from us electronically, including by email. Electronic communications satisfy any legal requirement that such communications be in writing.

14. DMCA Copyright Policy

If you believe any content on the Site infringes your copyright, please submit a written notice to us at info@bluekeel.com. Your notice must comply with the requirements of the Digital Millennium Copyright Act (DMCA) and include: identification of the copyrighted work, identification of the infringing material and its location on the Site, your contact information, a statement of good faith belief, and your signature.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles. Any disputes not subject to arbitration shall be resolved exclusively in the courts located in Northbrook, Illinois.

16. Force Majeure

We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including natural disasters, internet outages, cyberattacks, government actions, or utility failures.

17. Modifications to These Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised Effective Date. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and BlueKeel LLC with respect to your use of the Site and supersede all prior agreements and understandings.

20. Contact Us

If you have any questions about these Terms, please contact us at:

BlueKeel LLC

899 Skokie Blvd, Ste 340

Northbrook, IL 60062

info@bluekeel.com

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About Us
TopSavingsTips is an Internet property of BlueKeel LLC, an independent third party marketing company that connects consumers with third party companies. TopSavingsTips does not itself provide credit lending services. TopSavingsTips is not affiliated with, and this website has not been approved by, any agency of the Federal Government.
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