Terms of Use Policy, Privacy Policy, and Disclaimers
Click here to read our Privacy Policy
Click here to read our Disclaimer
Terms of Use Policy
Last Updated: 18 August 2021
The following Terms of Use are entered into as an agreement ("Agreement") between you and Smart Money Works (“Smart Money Works”, “we”, or “us”).
The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, “Terms of Use”), govern your access to and use of SmartMoney.Works, including any content, functionality and services (collectively, "Services") offered on or through SmartMoney.Works (“Website”), whether as a visitor of our Website (“User”), as well as a User or Users who create an account with us (“Customer” or “Customers”).
Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use, our Privacy Policy, and our Disclaimer.
If you do not want to agree to these Terms of Use, our Privacy Policy, or our Disclaimer, you must not access or use this Website.
This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company. If you do not meet this requirement, you must not access or use the Website.
Privacy
Your use of the Website is also subject to our Privacy Policy. Please review our Privacy Policy, which informs users of our data collection practices. Your agreement to the Privacy Policy is hereby incorporated into these Terms of Use.
Disclaimer
Your use of the Website is also subject to our Disclaimer, which informs users of limitations regarding the information provided on the Website. Your agreement to the Disclaimer is hereby incorporated into these Terms of Use.
Accessing Our Website
We reserve the right to withdraw or amend this Website and any service or material we provide on the Website at our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to User and/or Customers.
To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website and any resources downloaded from the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information, in a manner that is consistent with our Privacy Policy.
Account Security
Your Responsibilities
If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information.
You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security.
You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
Our Rights
We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time at our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
Intellectual Property
No Unlawful Or Prohibited Use
You are granted a non-exclusive, non-transferable, revocable license to access and use the Website and the resources available for download from the Website strictly in accordance with these Terms of Use.
As a condition of your use of the Website, you warrant to the Company that you will not use the Website or any of the resources available for download from the Website for any purpose that is unlawful or prohibited by these Terms. Such unlawful or prohibited uses include:
- You may not use the Website or any of the resources available for download from the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment of the Website.
- You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Website.
- All content included as part of the Services (such as text, graphics, logos, images) as well as the compilation thereof; and any software used on our Website; is the property of Smart Money Works or its suppliers, and is protected by laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
- You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on this Website or any of the resources available for download from the Website.
- All content on this Website is the property of Smart Money Works and is not for resale. Your use of this Website or any of the resources available for download from the Website does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content.
- You will use protected content solely for your individual use, and will make no other use of the content without the express written permission of Smart Money Works and the copyright owner.
- You agree that you do not acquire any ownership rights in any protected content.
- We do not grant you any licenses, express or implied, to the intellectual property of Smart Money Works or our licensors except as expressly authorized by these Terms.
- The Smart Money Works' name, logo, slogan, and all related names, logos, product and service names, designs, and slogans are trademarks of Smart Money Works or its affiliates or licensors. You must not use such marks without the prior written permission of Smart Money Works. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.
Personal Responsibility
As set forth more fully in the Disclaimer, by using this Website, you accept personal responsibility for the results of your actions.
Email And Electronic Communications
Visiting the Website or sending emails to the Company constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the Website, satisfy any legal requirement that such communications be in writing.
We would be pleased to communicate with you by e-mail, and there are various places on this Website that provide you the ability to send an electronic communication to Smart Money Works.
However, any such email or other electronic communication, does not create a business relationship or any contractual relationship. As set forth more fully in our Privacy Policy, we will take reasonable steps to ensure that any communications remain confidential, but we cannot guarantee the security of such communications and cannot guarantee that we would not be required to disclose such communications as a result of a court order.
Use Of Communication Services
The Website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, blog comment sections and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.
By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
- Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;
- Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information;
- Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents;
- Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer
- Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages
- Conduct or forward surveys, contests, pyramid schemes or chain letters
- Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner
- Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded;
- Restrict or inhibit any other user from using and enjoying the Communication Services
- Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service
- Harvest or otherwise collect information about others, including e-mail addresses, without their consent; and
- Violate any applicable laws or regulations.
Smart Money Works has no obligation to monitor the Communication Services. However, Smart Money Works reserves the right to review materials posted to a Communication Service and to remove any materials at its sole discretion. Smart Money Works reserves the right to terminate a User's or Customer's access to any or all of the Communication Services at any time, without notice, for any reason whatsoever.
Smart Money Works reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request; or to edit, refuse to post or to remove any information or materials, in whole or in part, at Smart Money Works's sole discretion.
Your Responsibilities
Always use caution when giving out any personally identifying information about yourself in any Communication Service. Smart Money Works does not control or endorse the content, messages or information found in any Communication Service and, therefore, Smart Money Works specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Smart Money Works' spokespersons, and their views do not necessarily reflect those of Smart Money Works.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.
Materials Provided To The Website
Smart Money Works does not claim ownership of the materials you provide to the Website (such as feedback and suggestions) (collectively "Submissions"), nor do we post, upload, input or submit those materials to any unrelated Website or third-party service.
However, by posting, uploading, inputting, providing, or submitting your Submission you are granting Smart Money Works, our affiliated companies, and necessary sub-licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. Smart Money Works is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at Smart Money Works’s sole discretion.
By posting, uploading, inputting, providing, or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
Links To Third Party Websites And Services
The Website may contain links to other Websites. Such websites are not under the control of Smart Money Works, and Smart Money Works is not responsible for the contents of any such website, including without limitation any link contained in such a website, nor any changes or updates to such a website. Smart Money Works is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Smart Money Works of such websites, nor any association with its operators.
Certain services made available via this Website are delivered by third-party websites and organizations. By using any product, service, or functionality originating from this Website, you hereby acknowledge and consent that Smart Money Works may share such information and data with any third party with whom Smart Money Works has a contractual relationship to provide the requested product, service or functionality on behalf of the Website’s users and customers.
Use of Materials
Use of Paid Courses, Programs, and Associated Material
Smart Money Works provides various courses, programs, and associated material for sale on this Website. Smart Money Works grants you a limited, personal, non-exclusive, non-transferable license to use our courses, programs, and associated material (collectively “Courses”) for your own personal or internal business use.
Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any Courses in any manner.
By ordering or participating in Courses, you agree that the Courses you purchase or download may only be used by you for your personal or business use and may not be sold or redistributed without the express written consent of Smart Money Works.
By ordering or participating in Courses, you further agree that you shall not create any derivative work based upon the Courses and you shall not offer any competing products or services based upon any information contained in the Courses.
Use Of Free Downloadable Content
Smart Money Works provides various resources on this Website, which users may access by providing an e-mail address. Smart Money Works grants you a limited, personal, non-exclusive, non-transferable license to use our resources provided in exchange for an email address (“Freemium Content”) for your own personal or internal business use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any Freemium Content in any manner.
By downloading Freemium Content, you agree that the Freemium Content you download may only be used by you for your personal or business use and may not be sold or redistributed without the express written consent of the Company.
By downloading Freemium Content, you further agree that you shall not create any derivative work based upon the Freemium Content and you shall not offer any competing products or services based upon any information contained in the Freemium Content.
Use Of Templates And Forms
Smart Money Works provides various templates and/or forms for download and/or sale on this Website. Smart Money Works grants you a limited, personal, non-exclusive, non-transferable license to use our templates and/or forms for your own personal or internal business use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the templates and/or forms in any manner, except that you may fill out the templates and/or forms for your authorized use.
By ordering or downloading forms, you agree that the forms you purchase or download may only be used by you for your personal or business use and may not be sold or redistributed without the express written consent of Smart Money Works.
Guests
Smart Money Works may provide information from a third party in the form of a podcast guest interview, interview on other platform, guest blog post, or other medium. Smart Money Works does not control the information provided by such third-party guests, is not responsible for investigating the truth of any information provided, and cannot guarantee the veracity of any statements made by such guests.
Individuals who agree to appear as guests on any medium offered by Smart Money Works agree to transfer all intellectual property rights they may have in any such interviews to Smart Money Works and further provide a license to any rights they are unable to assign.
Cancellations & Refunds
We want you to be satisfied with your purchase!
Before we consider a cancellation or refund of your purchase, however, we want you to give your best effort in applying the strategies provided in our Courses. In other words, you must demonstrate that you have attempted to implement the program without success.
To meet this requirement, you must submit a written record of the work you have attempted, for the Course you are requesting a cancellation or refund for.
Upon determining that you are entitled to a cancellation or refund pursuant to this policy, Smart Money Works will promptly issue an instruction to its payment processor to issue the refund. Smart Money Works does not control its payment processor and will not be able to expedite any refunds.
If you receive a refund of any purchase through the terms and conditions, that shall immediately terminate any and all licenses granted you to use the material provided to you under these Terms of Use or any other agreement. You shall immediately cease using the material and shall destroy all copies of the information provided to you, including without limitation: video recordings, audio recordings, forms, worksheets, bonus materials, templates, slide shows, membership areas, social media groups limited to paying members, and other resources.
No Warranties
Smart Money Works makes no warranties regarding the performance or operation of this Website. Smart Money Works further makes no representations or warranties of any kind, express or implied, as to the information, contents, materials, documents, programs, products, books, or services included on or through this Website. To the fullest extent permissible under the law, Smart Money Works disclaims all warranties, express or implied, including implied warranties of merchantability and fitness for a particular purpose.
Limitation of Liability
You agree to absolve the Company of any and all liability or loss that you or any person or entity associated with you may suffer or incur as a result of use of the information contained on this Website and/or the resources you may download from this Website.
You agree that the company shall not be liable to you for any type of damages, including direct, indirect, special, incidental, equitable, or consequential loss or damages for use of this website.
Modification to This Website
The information, software, products, and services included in or available through the Website may include inaccuracies or typographical errors. Changes are periodically made to the information herein; and material of any kind may be periodically added. Smart Money Works and/or its suppliers may make improvements and/or changes to the Website at any time.
Smart Money Works and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services and related graphics contained on the website for any purpose.
To the maximum extent permitted by applicable law, all such information, software, products, services and related graphics are provided “as is” without warranty or condition of any kind. Smart Money Works and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software products, services and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.
To the maximum extent permitted by applicable law, in no event shall Smart Money Works and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the website, with the delay or inability to use the website or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the website, or otherwise arising out of the use of the website, whether based on contract, tort, negligence, strict liability or otherwise, even if Smart Money Works or any of its suppliers has been advised of the possibility of damages.
Because some states/jurisdictions do not allow the exclusion or limitation of the liability for consequential or incidental damages, the above limitation may not apply to you.
If you are dissatisfied with any portion of the Website, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Website.
Arbitration
You hereby expressly waive any and all claims you may have, now or in the future, arising out of or relating to this Website, Smart Money Works LLC, any and all contracts you enter into with Smart Money Works, and any and all of Smart Money Works’s products and services.
To the extent that you attempt to assert any such claim, you hereby expressly agree to present such claim only through binding arbitration to occur in the city of Westminster, Adams County, Colorado.
You further agree to and do hereby waive any right to class arbitration and agree, instead, to conduct an arbitration related solely to any individual claims you and/or any entity related to you asserts against Smart Money Works. To the fullest extent permissible by law, you further agree that you shall be responsible for all of your costs associated with initiating the arbitration and for the administration of the arbitration.
International Users
This Website and its associated Services is controlled, operated and administered by Smart Money Works from our offices within the USA. If you access our Website or Services from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the content accessed through this Website in any country or in any manner prohibited by any applicable local laws, restrictions or regulations.
Indemnification
You agree to indemnify, defend, and hold harmless Smart Money Works, its officers, directors, employees, agents and third parties; for any losses, costs, liabilities and expenses relating to or arising out of your use of or inability to use the Website or its Services; your use of any user postings made by you; your violation of any terms of this Agreement; your violation of any rights of a third party; or your violation of any applicable laws, rules or regulations.
Smart Money Works reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Smart Money Works in asserting any available defenses.
Termination And Access Restriction
Smart Money Works reserves the right, at its sole discretion, to terminate your access to the Website and its related Services, or any portion thereof, at any time without notice.
To the maximum extent permitted by law, you hereby consent to resolve any and all disputes arising under or related to this Website or the Terms of Use pursuant to the Arbitration Clause above.
Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
No Joint Venture Or Other Relationship
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Smart Money Works as a result of this Agreement or use of the Website.
Smart Money Works’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Smart Money Works’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by Smart Money Works with respect to such use.
If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, all warranty disclaimers and liability limitations set forth in this document, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Entire Agreement
Unless otherwise specified herein, this agreement, along with the Privacy Policy and Disclaimer, constitutes the entire agreement between the User/Customer and Smart Money Works with respect to the Website; and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User/Customer and Smart Money Works with respect to this Website.
A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
To the maximum extent permitted by law, this Agreement and all related documents shall be written in English.
Modification of Terms of Use Policy
Smart Money Works may modify this Terms of Use Policy from time to time. The “Last Updated” section at the top of this page indicates when this Terms of Use Policy was last revised. Any changes to this Terms of Use Policy are effective as of the “Last Updated” date. Your use of our Services following these changes means that you accept the revised Terms of Use Policy.
Contact Us
If you have questions about our Privacy Policy, please contact us at [email protected] or at our mailing address:
Smart Money Works
10093 Irving Street
Westminster CO 80031
Privacy Policy
Last Updated: 18 August 2021
Smart Money Works, LLC (“Smart Money Works”, “we”, or “us”) respects your privacy and is committed to protecting it through this Privacy Policy.
This Privacy Policy governs access to and use of SmartMoney.Works ("Website") including any content, functionality and services (collectively, “Services”) offered on or through this Website.
This Privacy Policy applies to visitors of our Website (“Users”), as well as a User or Users who create an account with us (“Customer” or “Customers”).
When accessing the Website, the Company will learn certain information about you during your visit, both automatically and through voluntary actions you may take. This policy applies to information we collect on the Website and in email, text, or other electronic messages between you and the Website.
Please read the Privacy Policy carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by the Privacy Policy. If you do not want to agree to the Privacy Policy, you must not access or use the Website.
Information We Collect From You Directly and Why
We collect the following information directly from you, and we use that information to provide, improve, promote, and protect our Services:
- When you take any/all of the following actions:
- Express interest in obtaining information about our Services;
- Download content;
- Sign up for our Services;
- Purchase our Services;
then we will ask you for personally identifiable information ("Personal Data”), like your name and email address.
- If you complete a survey as a User or a Customer, we will collect information from you that may include Personal Data and/or other general information that may or may not be associated with your Personal Data.
- If you purchase our Services, we will request your billing information in order to process your payment.
How Do We Use This Information?
We use your Personal Data, general information, and billing information to:
- Provide Services to you as a User or Customer;
- Respond to inquiries from you as a User or Customer;
- Promote our Services to you with Smart Money Works newsletters, marketing, or promotional materials and other information that may be of interest to you; and
- Improve our Services to better serve our Users and Customers.
Information We Collect From Your Devices and Why
We use typical tools (such as server logs, cookies, and pixels) and commonly used services (such as Google Analytics) to automatically collect information from your devices, while you navigate our Services or interact with electronic communications we sent to you.
When you interact with our Services, we may collect information about the devices you use to access those Services, including IP address, browser or device type, operating system, the website you visited before the Services, and identifiers of your devices. We use this information to provide, improve, and protect our Services.
We also collect information about how you use our Services, including tracking Users’ and Customers’ activity in our Services. We use this information to provide, improve, and protect our Services.
Our Use of Cookies and Pixels
Similar to other commercial websites, our website utilizes a standard technology called “cookies” and server logs to collect information about how our site is used. Information gathered through cookies and server logs may include the date and time of visits, the pages viewed, time spent at our site, and the websites visited just before and just after our own, as well as your IP address.
A pixel is a unique identifier embedded in a website, online advertisement, or email. We use pixels to understand how you interact with our Website and other electronic communications, which helps us and our advertising service providers better promote our Services.
How Do We Use This Information?
The information we collect automatically is used for statistical data and does not include Personal Data. We use this data to improve our Website and our Services. To the extent that you voluntarily provide personal information to us, our systems will associate the automatically collected information with your personal information.
Information Sharing, Retention, and Disclosure
- We never sell your Personal Data to advertisers or other third parties.
- We use your Personal Data to provide, improve, promote, and protect our Services in the following ways:
- Smart Money Works uses certain trusted third-party service providers (such as Google) to help us provide, improve, protect, and promote our Services. These third parties may have access to your information to perform services on our behalf and in compliance with this Privacy Policy. We are responsible for the third parties we use to perform such necessary services on our behalf.
- We may disclose your information to third parties if we determine such disclosure is reasonably necessary to: (a) comply with applicable law, regulation, legal process, or government request, (b) protect any person from death or serious bodily injury, (c) prevent fraud, abuse, or security issue of Smart Money Works or other Users, and (d) to protect Smart Money Works or its licensors’ rights, property, safety, or interest.
- We may also disclose or share your Personal Data with your consent.
- We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.
- We may disclose your personal information to a third party, including a lawyer or collection agency, when necessary to enforce our terms of service or any other agreement between you and Smart Money Works.
Your Rights
As stated above, we never sell your Personal Data to advertisers or other third parties.
- You have the right to access, review, correct, amend, restrict, delete, opt-out of, or object to our use of the Personal Data provided to Smart Money Works by contacting us at [email protected].
- Our Website responds to Do Not Track signals.
- You may opt out of email communications by following the Unsubscribe link located at the bottom of all of our emails.
- If you would not like to share certain information with us, you also have the following choices with respect to technologies we use to automatically collect information:
- You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you do not accept cookies, however, you may not be able to use our Services.
For more information about cookies and how to disable them, please visit www.allaboutcookies.org. - You can find more information about how to opt out of receiving tailored advertising from the Network Advertising Initiative’s Consumer Opt-Out or the Digital Advertising Alliance’s Consumer Opt-Out. You are responsible for choices you make regarding these mechanisms.
- To find out more about how Google uses information when you visit a website that uses Google Analytics, please visit: https://policies.google.com/technologies/partner-sites.
- To learn how to manage privacy and storage settings for Flash Cookies, please visit the Macromedia site.
- You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you do not accept cookies, however, you may not be able to use our Services.
GDPR Compliance
Smart Money Works is committed to safeguarding your privacy. If you are within the European Union, you are entitled to certain information and have certain rights under the General Data Protection Regulation. Those rights include:
- We will retain the any information you choose to provide to us until the earlier of: (a) you asking us to delete the information, (b) our decision to cease using our existing data providers, or (c) the Company decides that the value in retaining the data is outweighed by the costs of retaining it.
- You have the right to request access to your data that the Company stores and the rights to either rectify or erase your personal data.
- You have the right to seek restrictions on the processing of your data.
- You have the right to object to the processing of your data and the right to the portability of your data.
- To the extent that you provided consent to the Company’s processing of your personal data, you have the right to withdraw that consent at any time, without affecting the lawfulness of processing based upon consent that occurred prior to your withdrawal of consent.
- You have the right to lodge a complaint with a supervisory authority that has jurisdiction over issues related to the General Data Protection Regulation.
- We require only the information that is reasonably required to enter into a contract with you. We will not ask you to provide consent for any unnecessary processing as a condition of entering into a contract with us.
Security
Smart Money Works is also committed to safeguarding your information. We employ reasonable physical, technological, and administrative security measures. However, no method of Internet transmission, or method of electronic storage, is 100% secure; while we use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
Email is not a secure method of communication, so we request that you do not send private information to us via email. Doing so is not prohibited, but understand that you do so at your own risk.
We transmit some information that you enter on our website (such as billing information) via a secure medium known as Secure Sockets Layer, or SSL. Credit card information and other sensitive information is never transmitted via an insecure format, such as email.
Links to Other Websites
Our Website contains links to other websites or third-party services. When you click on such a link and leave our website, our Privacy Policy no longer applies to you or your information; the use of your information will be governed by that party’s Privacy Policy. We have no control over, and cannot be responsible for, such third-party websites or services.
We encourage you to read the privacy policy of every website you visit and every third-party service you use.
Our Policy Regarding Children Under 13
Our Website and Services are not intended for children under 13 years of age. We do not knowingly collect any information from children under 13.
If we learn we have collected or received personal information from a child under 13, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at [email protected].
Modification of Privacy Policy
Smart Money Works may modify this Privacy Policy from time to time. The “Last Updated” section at the top of this page indicates when this Privacy Policy was last revised. Any changes to this Privacy Policy are effective as of the “Last Updated” date. Your use of our Services following these changes means that you accept the revised Privacy Policy.
Contact Us
If you have questions about our Privacy Policy, please contact us at [email protected] or at our mailing address:
Smart Money Works
10093 Irving Street
Westminster CO 80031
Disclaimer
Last Updated: 18 August 2021
This website is owned and operated by Smart Money Works LLC. (“Smart Money Works,” “we,” or “us”).
This Disclaimer, along with the Terms of Use and Privacy Policy, governs your access to and use of SmartMoney.Works, including any content, functionality and services (collectively, "Services") offered on or through SmartMoney.Works (“Website”), whether as a visitor of our Website (“User”), as well as a User or Users who create an account with us (“Customer” or “Customers”).
Please read the Disclaimer carefully before you start to use the Website. By using this Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by the Disclaimer. If you do not want to agree to the Disclaimer, you must not access or use the Website.
For Educational And Informational Purposes Only
The information contained on this Website and the resources available for download through this Website are for educational and informational purposes only.
Not Professional Advice
The information contained on this Website and the resources available for download through this Website are not intended as, and shall not be understood or construed as, professional advice.
While the employees and/or owners of Smart Money Works are professionals and the information provided on this Website relates to issues within Smart Money Works’s area of professionalism, the information contained on this Website is not a substitute for advice from a professional who is aware of the facts and circumstances of your individual situation.
We have done our best to ensure that the information provided on this Website and the resources available for download are accurate and provide valuable information. Regardless of anything to the contrary, nothing available on or through this Website should be understood as a recommendation that you should not consult with a professional to address your particular information.
In addition, Smart Money Works expressly recommends that you seek advice from a professional.
Neither Smart Money Works, nor any of its employees or owners, shall be held liable or responsible for any errors or omissions on this Website or for any damage you may suffer as a result of failing to seek competent advice from a professional who is familiar with your situation.
No Professional-Client Relationship
Your use of this Website – including implementation of any suggestions set out in this Website and/or use of any resources available on this Website – does not create a professional-client relationship between you and Smart Money Works or any of its professionals.
Smart Money Works cannot accept you as a client unless and until we determine that there is a fit and until various requirements, such as fee arrangements, are resolved.
Thus, you recognize and agree that Smart Money Works has not created any professional-client relationship by the use of this Website.
User's/Customer's Personal Responsibility
By using this Website, you accept personal responsibility for the results of your actions.
This means that you agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website or the resources available for download from this Website.
You further agree to use good judgment and conduct your own due diligence before taking any action or implementing any plan or policy suggested or recommended on this Website.
Smart Money Works provides educational and informational resources that are intended to help users of this Website succeed in managing their personal finances, reaching their financial goals, and otherwise. You nevertheless recognize that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond the control and knowledge of Smart Money Works.
No Guarantees
You agree that Smart Money Works has not made any guarantees about the results of taking any action, whether recommended on this Website or not.
You also recognize that prior results do not guarantee a similar outcome. Thus, the results obtained by others – whether clients or customers of Smart Money Works; Users or Customers of this Website; or others – are no guarantee that you or any other person or entity will obtain similar results.
Errors And Omissions
This Website is a public resource of general information that is intended- but not promised or guaranteed- to be correct, complete, and up-to-date.
We have taken reasonable steps to ensure that the information contained in this Website is accurate, but we cannot represent that this Website is free of errors. You accept that the information contained on this Website may be erroneous and agree to conduct due diligence to verify any information obtained from this Website and/or resources available on it prior to taking any action. You expressly agree not to rely upon any information contained in this Website.
Reviews & Recommendations
At various times, we may provide reviews or recommendations of products, services, or other resources that are not owned by or affiliated with Smart Money Works. This may include reviews of books, services, and/or software applications.
Any such reviews will represent the good-faith opinions of the author of such reviews. The products and services reviewed may be provided to Smart Money Works for free or at a reduced price as an incentive to provide a review.
Regardless of any such discounts, we will provide honest reviews of these products and/or services. You recognize that you should conduct your own due diligence before purchasing or using such products and services, and should not rely solely upon any reviews or recommendations provided on this Website.
We will disclose the existence of any discounts or incentives received in exchange for providing a review or recommendation of a product or service. If you would like more information about any such discounts and incentives, send an email to [email protected] that includes the title of the reviewed product or service as the subject line. We will respond via email and disclose any incentives or discounts we received in association with any such review.
Affiliate Links
From time to time, Smart Money Works participates in affiliate marketing and may allow affiliate links to be included on some of our pages. This means that we may earn a commission if and/or when you click on or make purchases via affiliate links.
As a policy, Smart Money Works will only affiliate with products, services, coaches, consultants, and other experts that we believe will provide value to our Users, Customers, and social media followers.
Smart Money Works will inform you when a link is an affiliate link.
You recognize that it remains your personal responsibility to investigate whether any affiliate offers will benefit you. You will not rely on any recommendation, reference, or information provided by Smart Money Works but will instead conduct your own investigation and will rely upon your investigation to decide whether to purchase the affiliate product or service.
No Endorsements
From time to time, Smart Money Works will refer to other products, services, coaches, consultants, and/or experts. Any such reference is not intended as an endorsement or statement that the information provided by the third party is accurate. Smart Money Works provides this information as a reference for our Users, Customers, and social media followers. It is your responsibility to conduct your own investigation and make your own determination about the value of any such product, service, coach, consultant, and/or expert.
Testimonials
We may publish testimonials from clients and customers of the Services offered on this Website or by Smart Money Works. All testimonials are actual statements made by clients and/or Customers and have been truthfully conveyed on this Website.
Although these testimonials are truthful statements about results obtained by these clients and/or Customers, the results obtained by these clients and/or Customers are not necessarily typical.
You specifically recognize and agree that the testimonials are not a guarantee of results that you or anyone else will obtain by using any Services offered on this Website or by Smart Money Works.
Modification of Disclaimer
Smart Money Works may modify this Disclaimer from time to time. The “Last Updated” section at the top of this page indicates when this Disclaimer was last revised. Any changes to this Disclaimer are effective as of the “Last Updated” date. Your use of our Services following these changes means that you accept the revised Disclaimer.
Contact Us
If you have questions about our Disclaimer, please contact us at [email protected] or at our mailing address:
Smart Money Works
10093 Irving Street
Westminster CO 80031
