Disclaimer, Terms of Service & No-Refund Policy

SMART MONEY BROKE MINDS

By purchasing any product, service, consultation, membership, or participating in any Smart MoneyBroke Minds ("SMBM") program, you acknowledge and agree to the following terms and conditions.

1. Educational and Informational Purposes Only.

All information, content, products, services, consultations, courses, community discussions, materials, and resources provided by Smart Money Broke Minds are intended solely for educational and informational purposes. Smart Money Broke Minds does not provide legal, tax, accounting, financial, investment, medical, or other professional advice. Any decisions you make based on information obtained through SMBM are solely your responsibility. You should consult qualified professionals regarding your specific circumstances before making any financial, legal, business, investment, tax, or personal decisions.

2. No Refund Policy:

Products. All sales are final. No refunds, exchanges, credits, or returns will be provided for any physical or digital products, including but not limited to: Books, E-books, Planners, Journals, Worksheets, Templates, Merchandise, T-Shirts, Courses, Downloads, or Digital Resources. Once a product has been purchased, access has been granted, or the item has been shipped, the sale is considered final.

Services All services provided by Smart Money Broke Minds are non-refundable, including but not limited to: Consultations, Coaching Sessions, Educational Sessions, Strategy Sessions, and Community Access Membership Fees. Digital Programs: No refunds will be issued for completed, partially completed, missed, canceled, or terminated services.

3. Community Membership Terms

Smart Money Broke Minds offers a recurring monthly membership community. By joining the community, you agree that: Membership fees are billed on a recurring monthly basis. Membership fees are non-refundable. You may cancel your membership at any time. Cancellation will stop future billing for the next membership period. No prorated refunds or partial refunds will be issued for unused time remaining in the current billing cycle. Your access will remain active through the end of the paid membership period.

4. Consultation Call Policy

Consultation calls are generally between 15 and 30 minutes in length. By scheduling and participating in a consultation, you acknowledge and agree that: Calls are intended for educational and informational purposes only. Consultations do not create any professional-client relationship. No legal, financial, investment, tax, accounting, medical, or professional advice is being provided. Results are not guaranteed. Your success depends on numerous factors outside of SMBM's control.

5. Call Recording Consent. All consultation calls may be recorded for Legal compliance, quality assurance, Training purposes, Documentation purposes, and protection of all parties involved. By participating in a consultation call, you consent to the recording of the session. If you do not consent to recording, you should not participate in the consultation.

6. Right to Terminate Calls

Smart Money Broke Minds reserves the right to terminate, end, reschedule, or refuse any consultation call at any time and for any reason. Reasons may include, but are not limited to: Inappropriate behavior, Harassment, Threatening conduct, Violation of these terms, Technical issues, Scheduling conflicts, and any other reason deemed necessary by SMBM. No refund will be issued for calls that are terminated, canceled, or ended by SMBM.

7. Right to Refuse Service

Smart Money Broke Minds reserves the right to refuse service, deny access, remove members, suspend accounts, or terminate participation in any product, service, consultation, event, or community at its sole discretion. No refund will be issued in connection with such actions.

8. Limitation of Liability

To the fullest extent permitted by law, Smart Money Broke Minds, its owners, affiliates, employees, contractors, representatives, and agents shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from: Use of SMBM products or services Participation in consultations Community participation Reliance on educational content Financial or business decisions Investment decisions Personal outcomes Your use of SMBM products and services is entirely at your own risk.

9. Contact Information

Smart Money Broke Minds Email: brandonbarbour@smartmoneybrokeminds.com

Acknowledgment

By purchasing, accessing, participating in, or using any Smart Money Broke Minds product, service, consultation, membership, content, or resource, you acknowledge that you have read, understood, and agreed to these terms and conditions.