Written by Kaloian Parchev
Last Updated: March 2026
Effective Date: 21 August 2022
These are the Terms of Use for this website. Please read them carefully before accessing or using the Site.
By accessing or using https://growsmartincome.life/ (the “Site”), you agree to be bound by these Terms of Use. These Terms of Use, together with our Privacy Policy and Disclaimer and Disclosure Policy, constitute the entire agreement between you and us regarding your use of the Site.
The Site is owned and operated by Grow Smart Income / Kaloian Parchev (“us”, “we”, or “our”). By using the Site, you explicitly accept these Terms of Use in their entirety. If you do not agree with any part of these Terms, please do not access or use this Site.
Use of the Site
You may use this Site for lawful, personal, non-commercial purposes only, unless otherwise agreed in writing. You agree not to use the Site in any way that violates applicable local, national, or international laws or regulations, or in any manner that could damage, disable, overburden, or impair the Site.
Informational Content Only
All content published on this Site, including articles, newsletters, opinions, analyses, charts, and commentary, is provided for informational and educational purposes only. Nothing on this Site constitutes professional financial, investment, tax, legal, or any other form of professional advice.
You are fully responsible for your own financial decisions. The content on this Site reflects the author’s personal opinions and experiences and should not be relied upon as a substitute for independent professional advice. We strongly recommend that you consult with qualified professionals before taking any action based on information found on this Site.
We do not guarantee that any information on this Site is accurate, complete, current, or error-free. Content is provided on an “as is” and “as available” basis without warranties of any kind.
Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, images, data compilations, software, and the design and layout of the Site, is the property of Grow Smart Income / Kaloian Parchev or its content suppliers and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from this Site without our prior written consent, except for personal, non-commercial use such as reading, sharing links, or quoting brief excerpts with proper attribution.
User Conduct
When interacting with the Site (e.g., submitting comments, contact form messages, or other user-generated content), you agree not to:
- post content that is unlawful, defamatory, obscene, threatening, harassing, or otherwise objectionable;
- impersonate any person or entity or misrepresent your affiliation with any person or entity;
- transmit spam, chain letters, or unsolicited promotional material;
- upload or transmit viruses, malware, or any code of a destructive nature;
- attempt to gain unauthorized access to any portion of the Site or its related systems.
We reserve the right to remove any user-generated content and to restrict or terminate access to the Site at our sole discretion, without prior notice.
Affiliate Marketing and Advertising
This Site contains links to products, services, and websites from which we may receive financial compensation. We may earn a commission if you click on an affiliate link and subsequently complete a qualifying action, such as making a purchase or opening an account. This comes at no additional cost to you.
While we maintain editorial standards of honesty and objectivity, affiliate relationships may influence which products and services we cover and the placement of links on the Site. This disclosure is provided in accordance with the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising.
This Site is also a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
You are not required to click on any link or purchase any product advertised on this Site. Any references to third-party products, services, or websites are subject to change without notice. We encourage you to conduct your own research before participating in any third-party offers.
How Grow Smart Income Generates Revenue
We partner with advertisers and companies that share our vision of helping readers achieve financial literacy and independence. When you read our content, click on a partner’s link, and complete a qualifying action — such as a purchase or account registration — we may earn a commission from that partner, at no extra cost to you. In some cases, our readers may receive exclusive promotions or offers through these partnerships.
Third-Party Links and Services
The Site may contain links to third-party websites, products, or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of or reliance on any third-party content, products, or services.
Limitation of Liability
To the fullest extent permitted by applicable law, Grow Smart Income, Kaloian Parchev, and any affiliates, partners, contributors, or agents shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your access to, use of, or inability to use this Site or any content, products, or services obtained through this Site, even if we have been advised of the possibility of such damages.
This includes, without limitation, damages for loss of profits, data, goodwill, or other intangible losses resulting from your use of or reliance on the Site.
Indemnification
You agree to indemnify, defend, and hold harmless Grow Smart Income, Kaloian Parchev, and any affiliates, partners, contributors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the Site, your violation of these Terms of Use, or your violation of any rights of a third party.
Disclaimer of Warranties
The Site and all content, features, and services provided through it are offered on an “as is” and “as available” basis. We expressly disclaim all warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.
Governing Law and Jurisdiction
These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of Bulgaria, without regard to its conflict of law provisions. Any disputes arising from or related to these Terms of Use or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Sofia, Bulgaria.
Severability
If any provision of these Terms of Use is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.
Changes to These Terms of Use
We reserve the right to modify or update these Terms of Use at any time without prior notice. The most recent version will always be posted on this page with the “Last Updated” date at the top. If we make material changes, we will make reasonable efforts to notify you. Your continued use of the Site after any modifications constitutes your acceptance of the updated Terms of Use.
Contact Information
If you have any questions about these Terms of Use, please contact us:
Grow Smart Income / Kaloian Parchev
Email: hello @ growsmartincome . life