Terms & Conditions

Effective Date: April 4 2025

Welcome to Smart Finances Way ("Company", "we", "our", or "us"). By accessing or using our website, purchasing our digital products, or engaging with our services, you agree to comply with and be bound by these Terms & Conditions.

1. Acceptance of Terms

By using this website and our services, you agree to these Terms & Conditions. If you do not agree, please do not use our services.

2. Intellectual Property Rights

All content on this website, including text, graphics, logos, videos, and digital products, is the property of Smart Finances Way and is protected under intellectual property laws. You may not reproduce, distribute, modify, or resell any content without our prior written permission.

3. Use of Our Services

You agree to use our services only for lawful purposes. You may not:

  • Use our content for unauthorized commercial purposes.

  • Share, copy, or resell our digital products.

  • Engage in any activity that disrupts or harms the functionality of our website or services.

4. Digital Product Purchases & Refund Policy

a) Digital Products

Smart Finances Way offers digital products such as budgeting tools, courses, and financial planners. These products are for personal use only and cannot be resold or shared.

b) Refund Policy

Due to the digital nature of our products, all sales are final unless otherwise stated. If you experience technical issues accessing a purchased product, please contact support at [Insert Email] within 7 days of purchase.

5. Payment & Subscription Terms

  • Payments for digital products and memberships must be made in full at the time of purchase unless a payment plan is offered.

  • For recurring subscriptions (e.g., Smart Wealth Builders Club), you will be billed automatically unless you cancel before the next billing cycle.

  • Failure to make payments may result in suspension or termination of access.

6. Earnings Disclaimer

Smart Finances Way provides financial education but does not guarantee specific financial outcomes. Any testimonials or case studies are individual results and do not guarantee the same success for every user. You are responsible for your own financial decisions.

7. Limitation of Liability

To the fullest extent permitted by law, Smart Finances Way is not liable for any direct, indirect, or incidental damages resulting from the use of our website, products, or services. Your use of our materials is at your own risk.

8. Third-Party Links & Services

Our website may contain links to third-party services. We are not responsible for the content, policies, or practices of third-party websites and encourage you to review their terms before engaging with them.

9. Modification of Terms

We reserve the right to update these Terms & Conditions at any time. Changes will be effective immediately upon posting. It is your responsibility to review this page periodically.

10. Governing Law

These Terms & Conditions shall be governed and interpreted according to the laws of [Insert Jurisdiction].

11. Contact Information

For any questions regarding these Terms & Conditions, please contact us at:

📩 Email: [Insert Email]

🌍 Website: [Insert Website]