Terms & Conditions

1. Acceptance of Terms

By using this website, you confirm that you are at least 18 years of age, have the legal capacity to enter into these Terms, and agree to comply with all applicable laws and regulations. These Terms apply to all visitors, users, and anyone who accesses this site.

2. Informational Purposes Only

The content on this website is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. Nothing on this site should be construed as a recommendation to buy, sell, or hold any financial product or security, or as an offer to provide financial planning services.

Any financial projections, calculators, or estimates available on this site are illustrative only and are not guarantees of future performance. All financial decisions should be made in consultation with a qualified professional who understands your individual circumstances.

Use of this website or submission of an inquiry form does not create a client relationship, contract, or obligation of any kind.

3. Intellectual Property

All content on this website — including text, graphics, logos, icons, images, videos, and written materials — is the property of Smart Life Financial LLC or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You may not copy, reproduce, modify, distribute, publicly display, or create derivative works from any content on this site without our prior written consent. Our trademarks, service marks, logos, and brand names may not be used without explicit authorization.

4. Acceptable Use

You agree not to use this website to:

• Violate any applicable local, state, federal, or international law or regulation
• Transmit any harmful, offensive, defamatory, obscene, or fraudulent content
• Upload or transmit viruses, malware, or any other malicious code
• Attempt to gain unauthorized access to any part of this website or its systems
• Impersonate any person, entity, or organization
• Harvest or collect personal data about other users
• Use automated tools (bots, scrapers, crawlers) without our express written permission
• Interfere with or disrupt the integrity or performance of the website
• Solicit, advertise, or promote goods, services, or commercial ventures

We reserve the right to suspend or terminate access to this website for anyone who violates these Terms, without notice.

5. SMS Terms & Conditions

By opting in to receive SMS messages from Smart Life Financial, you agree to the following:

• Program: We use SMS to send service updates, appointment confirmations, follow-ups, and responses to your inquiries.
• Consent: Consent to receive SMS messages is never required as a condition of receiving our services.
• Frequency: Message frequency varies based on your interactions with our team.
• Rates: Message and data rates may apply depending on your mobile carrier plan.
• Opt-Out: Reply STOP at any time to unsubscribe. You will receive one final confirmation message and no further texts will be sent.
• Help: Reply HELP or contact us at info@smartlifefinancial.com for assistance.
• Privacy: Your phone number will never be shared with or sold to third parties for marketing purposes.
• Carrier Liability: Mobile carriers are not responsible for delayed or undelivered messages.

6. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any third-party sites. We encourage you to review the terms and privacy policies of any external sites you visit.

7. Disclaimers & Limitation of Liability

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

To the fullest extent permitted by applicable law, Smart Life Financial LLC, its officers, employees, agents, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, lost data, or business interruption — arising from your use of or inability to use this website or its content, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising from your use of this website shall not exceed $100. Some jurisdictions do not allow certain limitations, so these may not apply to you in full.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this site, you consent to our data practices as described in the Privacy Policy.

9. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of this website shall be resolved exclusively in the state or federal courts located in Minnesota, and you consent to personal jurisdiction in those courts.

Before initiating any formal legal action, both parties agree to attempt to resolve disputes informally by contacting us at info@smartlifefinancial.com. We will make good-faith efforts to resolve any concern within 30 days.

10. Modifications to This Site or These Terms

We reserve the right to modify, suspend, or discontinue any part of this website at any time without notice. We may also update these Terms at any time by posting a revised version with an updated effective date. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

12. Contact Us

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